Ripple's Chief Legal Officer, Stuart Alderoty, has outlined three pivotal factors driving the mainstream adoption of cryptocurrencies by 2026. In an opinion piece for Fast Company, Alderoty emphasized the quiet integration of crypto into everyday finance, the tokenization of real-world assets, and the deeper incorporation of digital assets into traditional financial systems. Alderoty noted that crypto is increasingly being used in practical applications such as payroll services and retail payments, moving beyond speculative trading. He highlighted tokenization as a means to democratize asset ownership, allowing fractional ownership of property, art, and commodities. Additionally, he pointed out that traditional financial institutions are beginning to integrate crypto services, facilitating easier access and meeting growing demand. Alderoty predicts that by 2026, these developments will lead to the normalization of crypto, driven by practical and unglamorous changes in usage rather than hype.