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AI, stablecoins to drive major shift in digital payments market in 2026 outlook

The global digital payments market is entering a structural transition, with payments evolving into a core operating layer shaped by regulation, infrastructure and industrial strategy. In 2026, the sector is likely to focus on regulated stablecoins, AI agent-led automated payments and practical on-chain settlement. Visa and Mastercard are expanding pilots and frameworks. Stablecoin volumes are rising and U.S. rules are being finalised. In South Korea, legislative delays over a won stablecoin persist amid inter-agency differences.