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Cryptocurrency could profoundly transform everyday spending over the next 10 years in several ways. Here are the key developments to expect:

1. Direct Crypto Payments

More and more merchants could directly accept crypto payments (Bitcoin, Ethereum, stablecoins, etc.) via digital wallets and crypto cards. This would reduce the need for banking intermediaries, resulting in:

Lower transaction fees,

Instant payments, including international ones,

Greater accessibility for the unbanked.

2. Stablecoins for Daily Life

Stablecoins (USDT, USDC, EURC, etc.) could become an alternative to fiat currencies for:

Shopping for groceries,

Paying for subscriptions (Netflix, Spotify, etc.),

Sending money abroad, while maintaining a stable value unlike volatile cryptocurrencies.

3. Cashback and Web3 Rewards

Loyalty programs could shift to decentralized systems:

Earn tokens by spending,

Use them in other partner services or exchange them,

Strengthen loyalty without intermediaries.

4. Decentralized Financial Identity

Thanks to blockchain, spending and credit history could be integrated into a Web3 profile:

Decentralized credit scoring,

Faster access to microcredit or insurance,

More control over personal data.

5. Automation via smart contracts

Regular expenses (rent, subscriptions, bills) could be automated:

Scheduled payments without intervention,

Customizable conditions (e.g., pay only upon delivery or validation).

6. Integration into connected devices

E.g., a self-driving car could automatically pay for gas or tolls via an embedded wallet.
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