A look into the future, part 1.

By 2030, the vast majority of countries have launched their digital currencies (CBDC). They are integrated directly into smartphones and wearable devices. The concept of a "bank account" has become outdated — every citizen has a government cryptocurrency wallet. This has sharply increased the financial inclusion of billions of people, but has also given governments an unprecedented tool for controlling cash flows and taxation.

Bitcoin has solidified its status as "digital gold" — a safe-haven asset for large institutional investors and corporations. Ethereum and its competitors (Solana, Avalanche) have become the foundation for a new internet infrastructure — Decentralized Finance (DeFi) and self-governing organizations (DAO) have become mainstream for startups and online communities.

Micropayments to delivery robots, autonomous taxis, and creators for content happen automatically. A new class of "digital nomads" has emerged — people working in DAOs and earning income in crypto, not tied to any jurisdiction.

CBDCs provided convenience but took away the anonymity of cash. DeFi, in turn, has become a space for financial freedom.

How do you envision 2030?