Ripple’s chief legal officer says crypto is moving beyond speculation and into everyday finance, driven by quiet adoption, tokenisation and deeper ties with traditional institutions.
In an opinion piece for Fast Company, Stuart Alderoty argued that structural adoption is accelerating and that by 2026 crypto’s role in mainstream finance will feel normal rather than dramatic.
“Crypto is increasingly going mainstream, even when that story doesn’t show up in headlines,”
Alderoty wrote, pointing to growing use in payroll, retail payments and creative platforms instead of speculative trading.
He said the first major shift is quiet, everyday adoption, adding:
“The tipping point might not feel dramatic when it arrives. It’ll feel normal. And that’s the point.”
The second shift is the tokenisation of real-world assets, which Alderoty said is lowering barriers to entry by enabling fractional ownership of assets such as property, art and commodities.
“A lot of people have been locked out of owning certain assets because the entry cost is too high,”