VALR’s co-founder said the next phase of crypto adoption depends on building inclusive infrastructure that lowers barriers to entry while maintaining strong compliance and security. He highlighted the importance of simple user experiences, local payment integrations and education to bring underserved populations into digital finance. Beyond trading, he pointed to stablecoins, tokenised assets and on-chain financial services as key growth areas. The focus, he said, should shift from speculation to real-world utility, positioning crypto as foundational infrastructure for the future of global finance.