Y Combinator's October 2026 crypto startup guide says the past year's growth was led by institutions rather than consumers, with use cases shifting from speculation to oil hedging and cross-border corporate treasury. It expects more assets to be tokenised, from stablecoins and equities to property titles, debt and commodities, with AI agents becoming significant financial participants.
Y Combinator says tokenisation, stablecoins and AI agents will drive crypto startups
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