Crypto Market State 2026

🗒️ Description

Overview of the cryptocurrency market in 2026 — what has changed since the 2022 bear market.

🧩 Key changes since 2022:

• Bitcoin ETF — approved in the US (January 2024), traded on major exchanges. BlackRock, Fidelity, and other traditional players entered the market.
• Bitcoin halving — April 2024, block reward dropped to 3.125 BTC
• Regulation — MiCA in Europe, growing regulatory clarity in the US
• DeFi maturation — less speculation, more real-world use cases
• AI + Crypto — growing intersection (AI agents managing wallets, on-chain AI)
• NFT hype is over — the NFT market has shrunk significantly, only utility-focused projects remain
• Luna/FTX aftermath — tightened regulation, centralised exchanges under greater scrutiny

🔗 My approach

I invest passively, mainly in Bitcoin. No day-trading, no altcoins. Focus on AI and SaaS, not on crypto.

Lessons from the past: What mistakes I made on the crypto market in 2021-2022

📖 Further reading

CEX Crypto Exchanges Bear Markets — 100 Years of History — bear-market mechanics, phases, and psychology across all markets

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