The following is a message invited by Lukas Schor, co-founder of On.
2024 was a pivotal year for Defi. Practical applications for smart accounts are already used. The main milestones of infrastructure such as the abstraction of the chain, as well as the positive feeling of the market and coherent growth, will allow a return to fundamental principles during the coming year. This means products that bring real value to users who really revolutionize the digital world. Here are some of the developments to wait in 2025:
1. At least 20% of Ethereum users will rely on EIP-7702 compatible intelligent accounts
In the first quarter of 2024, private key compromises cost industry $ 239 million in losses. Intelligent accounts promise to unlock a safe and more customizable user experience, but generalized adoption requires a complete overhaul of the existing DEFI infrastructure. After the launch of the ERC-4337 standard in March 2023, the adoption of intelligent account was relatively slow. Although it increased in 2024, intelligent accounts are in no way omnipresent.
The next Pectra d’Ethereum upgradeScheduled for 2025, includes EIP-7702, a new standard which will allow accounts belonging to the outside (EOAS) to execute an intelligent contract code directly from their addresses, giving the EOA the functionality of intelligent accounts. With this standard, the private key retains total account control, posing a security risk and limiting account recovery. However, EIP-7702 will play a vital role in the transition period while industry continues to create an intelligent account infrastructure.
Users’ demand for greater accessibility, security and efficiency will stimulate adoption, which is why we plan that at least 20% of Ethereum users will have passed the EIP-7702 compatible accounts in 2025.
2. Half of all users will sail several blockchains from a single unified interface
If we want to see Traditional adoption Over the next five years, we have to abstract from the technology of the user experience blockchain. Intelligent accounts are the ideal foundation for the abstraction of the chain. Due to their programmable nature, intelligent accounts can integrate the abstraction of the chain directly into user accounts, releasing them from the overload of infrastructure.
On Actively works on a solution to that. With Safenetwhich will be launched this year. We are considering an account where users can display all your assets, regardless of the chain from which they come, at the same time, easily ending multi -hole transactions. Already, On Accounts are a pillar of DEFI, storing approximately 7.6% of all USDCs, 9.4% of cypherpunks and more than $ 100 billion in digital assets.
On The accounts support applications such as FileA decentralized competitor of Gsuite, osnapan onchain governance tool, and Bulla BankerA web 3 -bank protocol for invoices and payments made in crypto. Bringing the abstraction of the intelligent account chain – simplifying the challenge at the point of entry – will unlock a serious potential for the decentralized economy.
3. AI agents will execute at least 20% of all the trading volumes in chain
2025 will be the year of integration of AI agents And intelligent accounts take off. Imagine an implacable and intelligent entity working 24 hours a day to manage your crypto wallet. Now imagine the intelligent accounts improving AI agents, allowing users to define budget railings and integrate security measures such as recovery accounts. The revolution is already underway – more than half monthly On Transactions are on the gnosis chain by OlasA decentralized network driven by autonomous agents.
The integration of AI agents and intelligent accounts will go beyond autonomous trading. The web3 game will be transformed, agents performing tasks such as resource collection, development and combat, offering players more attractive, dynamic and personalized experiences. In the prediction markets, AI agents will analyze large data strips, considerably reducing the barrier to the input for the average user. In 2025, the smart accounts will expand the work of autonomous agents, reshanging DEFI and pushing the decentralized economy to the world.
4. Three major global financial institutions will integrate cross -border establishments based on stablescoin
The global tradfi institutions rush to play catching up. In Q2 of 2024, Visa managed 3.9 billions of dollars In transactions, barely half the volume of transactions of $ 8.5 billion on $ 1.1 billion for stablescoins during the same period. The use of stablecoin for payments and sends in cross -border funds quickly becomes the first choice for users who are looking for cheaper options to send money.
All this to say: the global financial institutions will rise on board. With a case of use of killer in funds and payments, as well as promising regulatory environment in 2025We will see real integration into the traditional financial system.
5. 10% of the liquidity of global defi will flow transparently over three or more ecosystems via interoperability based on zero knowledge
Transversal interoperability requires the transfer of fluid of data and communication. Zero knowledge of knowledge (ZKPS) Solve two problems at the heart of interoperability: confidentiality and security. Either via ZK native protocols or integrations, ZK can decompose information silos, allowing users and protocols to exchange data and check the transactions in maximum maximum.
ChainLink, who trained a strategic partnership with On Last year, currently explores a solution based on zero knowledge evidence Decor In order to improve confidentiality and security for users, protocols and institutions seeking to take advantage of the oracles. With a number of projects going to ZK interoperability tools, we can expect to see a significant impact on the industry towards the end of 2025.
Ahead
Five years later On Journey, we are delighted to be part of the movement to unlock the digital property and everything that accompanies it. Next year, the abstraction of the chain will allow us to overcome the technical challenges of blockchain while benefiting from decentralization.
The progress of autonomous AI agents, associated with an intelligent account infrastructure, will decompose obstacles to negotiation and unlock new opportunities to create wealth. Guided by a mission to provide real products and value to users, industry will see unprecedented levels of onchain activity. The future is brilliant.
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