From investment to everyday life
Today is 1 January 2026, and looking back, it is clear that 2025 was not just another year of fluctuations in the charts, but the moment when the crypto ecosystem finally “came of age”. While in previous years we talked about promise and potential, the balance sheet for 2025 that we have just closed is one of consolidation of a financial infrastructure that no longer asks permission to exist, but is integrating into the global system with unstoppable force.
2025: The year when ‘suits and ties’ arrived on the block
The year 2025 will be remembered as the period when institutional investment ceased to be a headline grabber and became the norm. We saw how the price of Bitcoin, after breaking through the mythical USD 100,000 barrier, found a new floor of stability driven by pension funds and corporate treasuries.
But beyond the price, the real success of 2025 was the cleansing of the market. Empty speculation gave way to projects with real utility, and the narrative of ‘digital gold’ expanded to that of a ‘global exchange network.’ It was the year that layer 2 networks and stablecoins reached transaction volumes that began to rival traditional giants such as Visa, setting the stage for what we are experiencing today, at the beginning of 2026.
MiCA: The end of the ‘Wild West’ in Europe
If there is one legislative player that has set the course, it is the MiCA (Markets in Crypto-Assets) regulation. As we enter 2026, we are in the final stages of its full implementation in Spain, with the key date being 1 July 2026.
This regulation is not just a set of technical rules; it is the shield that European investors have been waiting for for years. MiCA has forced service providers to be transparent, solvent and, above all, responsible for the custody of their clients’ assets. In 2025, we saw how many platforms operating in the shadows had to withdraw or adapt, leaving a much healthier ecosystem.
For us, as users, this means that the uncertainty of ‘is it legal?’ or ‘is my money safe?’ has disappeared. We now operate in an environment where the CNMV has clear supervisory tools and where stablecoin issuers must comply with audited reserves and strict sustainability criteria (ESG). MiCA has made Europe the first major economic bloc with complete legal certainty, attracting capital that previously feared the sector’s opacity.
2026: Crypto in your coffee, in your shopping and in your life
If 2025 was the year of investment, 2026 is undoubtedly the year of usability. We are no longer talking about buying crypto to wait for it to rise, but about using it to live. And this is where Spanish technology is leading the change with tangible solutions.
The maturity of the market is felt when you walk into a shop and see a EurocoinPay POS terminal. What once seemed like science fiction — paying for a set menu with fractions of Bitcoin or Ethereum — is now a fluid reality. EurocoinPay’s proposal has removed the two major barriers: volatility and complexity.
- For businesses: Receive payments instantly in the currency of your choice (euros or crypto), eliminating the waiting times and high fees of traditional banks.
- For users: The experience is as simple as tapping your EurocoinPay MasterCard or scanning a QR code from the app.
Thanks to the combination of technologies such as Tangle (from IOTA) and the Ethereum network, transactions in 2026 are virtually free and ultra-fast. You no longer have to worry about whether the miner will take ten minutes to confirm your payment; the purchase is validated in seconds, just like with a conventional credit card, but with the freedom of knowing that you own your money.
A future of invisible payments
By 2026, cryptocurrency will cease to be a topic of conversation and become the invisible engine of our economy. Thanks to tools such as the EurocoinPay card and ecosystem, the barrier between fiat money and digital assets has become transparent. We are facing a year in which the regulatory maturity of MiCA and the technical maturity of payments at physical points of sale go hand in hand so that, finally, the future has arrived in everyone’s pocket.
Disclaimer: The information set forth herein should not be taken as financial advice or investment recommendation. All investments and trading involve risk and it is the responsibility of each individual to do his or her due diligence before making a decision.
