Traditional finance is too outdated! Coinbase CEO reveals "8 major upgrade areas for the future of finance": RWA and AI payments will become standard

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Traditional finance is falling behind the times! Coinbase CEO Brian Armstrong yesterday (the 24th) published a lengthy post, directly stating that the current financial system urgently needs a comprehensive overhaul, and naming the "8 major upgrade areas" of the future. From RWA tokenization, 24/7 round-the-clock trading, stablecoins and AI agent payments, to calling for the establishment of friendly regulation and inclusive capital formation mechanisms. He boldly declared that until these visions benefit every person around the globe, "our work is not yet done!" (Previous context: Coinbase: No need to fear Wall Street competition, "crypto voters" have become a global political norm) (Background supplement: Coinbase Bitcoin premium index drops to -0.1011%, hitting a new low since April! Traders warn: Bitcoin may plunge to $74,000) Brian Armstrong, the helmsman of Coinbase, the world's largest publicly listed cryptocurrency exchange, has set the latest strategic coordinates for the future blueprint of Web3 and global finance. Today (the 25th), Brian Armstrong published a resounding lengthy post on the social platform X, directly pointing out that the current financial system is showing signs of fatigue, and detailing the "8 core areas" that the future financial system must update as soon as possible. This list not only covers the most forward-looking technological trends, but also issues a strong appeal regarding the current regulatory environment. Major areas where the financial system still needs an update: 1. Tokenization of real-world assets – Real estate, stocks, bonds, funds, etc. onchain for instant settlement, fractional ownership & massive distribution. 2. 24/7 Global trading – Pooled global liquidity, every… — Brian Armstrong (@brian_armstrong) May 24, 2026 The first item Armstrong named is precisely the hottest topic in the capital markets right now: real-world asset (RWA) tokenization. He pointed out that real estate, stocks, bonds, and funds should all be brought on-chain, thereby achieving instant settlement, fractional ownership, and large-scale liquidity. Following this, he emphasized that financial markets must move toward 24/7 round-the-clock global trading. Future markets should pool global liquidity, allowing every asset and every person to participate at any time, with extremely high capital efficiency and leverage advantages, completely breaking through the constraints of traditional stock market closing hours and weekend shutdowns. At the payment and application level, Armstrong painted a future scenario composed of next-generation payments and AI-driven systems: - Stablecoins and AI agent (Agentic) payments: The future will rely on stablecoins for near-instant and low-cost global transfers, and even AI bots will be able to own wallets, automatically acting as agents for humans to conduct financial payments and settlements. - Inclusive AI financial advisors: AI will be widely applied in risk assessment, credit rating, and compliance review, thereby significantly reducing fraud. More importantly, AI can transform "excellent financial advisors"—previously exclusive to the wealthy—into a service that every ordinary person can readily access. Beyond technological innovation, Armstrong also aimed his criticism at the institutional problems hindering development. He called on governments worldwide to implement innovation-friendly regulation, abandoning the past "one-size-fits-all" rigid policies, and shifting toward flexible risk-based rules to encourage market competition rather than stifling innovation. To allow more people to benefit from the financial system, he proposed the following vision: - Expanded Access: Through open-source protocols, reduce exploitation by middlemen, and promote "self-custody wallets," so that anyone in the world with just a smartphone can seamlessly connect to global finance. - Capital Formation: Significantly lower fundraising thresholds, allowing any entrepreneur with a good idea to raise capital in a low-cost, simple manner, thereby fostering more startups. - Sound Money: In an era when fiat currencies of various countries are gradually losing fiscal discipline, Bitcoin and cryptocurrencies provide an ultimate safe haven from worsening inflation and asset depreciation. Armstrong firmly stated at the end of his post: "Until these systems work well for everyone, our work is not yet done." At the same time, he emphasized that this requires not only massive technological innovation, but also long-term policy efforts to be realized.

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