Author: Lukas Schor Source: cryptoslate Translation: Shan Oppa, Golden Finance

The following is the co-founder of Safe Guest article by Lukas Schor.

2024 is a key year for DeFi. The practical application of smart accounts has been put into use. Major infrastructure milestones such as chain abstraction, coupled with positive market sentiment and sustained growth, will bring back fundamentals to the coming year. This means that the product will bring real value to users and truly revolutionize the digital world. Here are some expected developments in 2025:

1. At least 20% of Ethereum users will rely on smart accounts that support EIP-7702

only first in 2024 In the quarter, private key leakage caused more than $239 million in losses to the industry. Smart accounts are expected to bring a safer and more customizable user experience, but widespread adoption requires a comprehensive reform of the existing DeFi infrastructure. Smart accounts have been relatively slow to adopt since the introduction of the ERC-4337 standard in March 2023. While smart accounts have increased in 2024, they are by no means ubiquitous.

Ethereum's upcoming Pectra upgrade in 2025 includes EIP-7702, a new standard that allows externally owned accounts (EOA) to be directly from its address Execute smart contract codes to provide EOA with some of the functions of smart accounts. Using this standard, private keys provide full control over the account, bringing security risks and limiting account recovery. Nevertheless, EIP-7702 will play a crucial role in the transition period as the industry continues to build smart account infrastructure.

Users' demand for higher accessibility, security and efficiency will drive adoption, which is why we expect at least 20% of Ethereum users by 2025 Will shift to smart accounts that support EIP-7702.

2. Half of DeFi users will browse multiple blockchains through a single unified interface

If we want to see mainstream adoption in the next five years, we need to use it from users Abstract blockchain technology in the experience. Smart accounts are the ideal foundation for chain abstraction. Thanks to its programmable nature, smart accounts can embed chain abstraction directly into users' accounts, thus freeing users from infrastructure overload. <<<

Safe is actively looking for solutions. Safenet will be launched this year. We envision an account where users can view all assets at the same time, regardless of which chain they come from, and easily complete multi-chain transactions. Currently, the Safe account is the backbone of DeFi, storing about 7.6% of all USDC, 9.4% of crypto-punk, and over about $100 billion in digital assets.

Security account supports Fileverse (a decentralized competitor of GSuite), oSnap (on-chain governance tool), and Bulla Banker (using invoices and payments in cryptocurrency) and other applications. Introducing chain abstractions into smart accounts (simplifying DeFi at the entrance) will unlock huge potential for the decentralized economy.

3. Artificial intelligence-driven agents will execute at least 20% of the on-chain DeFi transaction volume

2025 will be the year for the integration of artificial intelligence agents and smart accounts . Imagine a tireless smart entity working day and night to manage your cryptocurrency portfolio. Now imagine smart account enhancement AI agents, enabling users to set budget guardrails and include security measures such as restoring accounts. The revolution has begun – more than half of the security transactions are conducted every month on Olas’ Gnosis Chain, a decentralized network powered by autonomous agents.

The integration of AI agents and smart accounts will surpass autonomous transactions. Web3 games will change, with agents performing tasks such as resource collection, production and combat, providing players with a more engaging, dynamic and personalized experience. In the forecast market, AI agents will analyze large amounts of data, greatly reducing the entry threshold for ordinary users. In 2025, smart accounts will amplify the work of autonomous agents, reshape DeFi, and push the decentralized economy to the world.

4. The three major global financial institutions will integrate cross-border settlement based on stablecoins

Global traditional financial institutions are striving to catch up. In the second quarter of 2024, Visa processed $3.9 trillion in transactions, just half of the 1.1 billion transactions ($8.5 trillion) of stablecoins over the same period. For users looking for cheaper ways to remit money, cross-border payments and remittances using stablecoins are quickly becoming their top choice.

All of this shows that global financial institutions will join in. With killer use cases in the remittance and payments sectors and the good development of the regulatory environment in 2025, we will see blockchain truly integrate into the traditional financial system.

5. 10% of overall DeFi liquidity will flow seamlessly across three or more ecosystems through zero-knowledge-based interoperability Data and communications need to be transmitted smoothly. Zero Knowledge Proof (ZKP) solves the core issues of interoperability: privacy and security. Whether through ZK native protocol or integration, ZK breaks information silos, enabling users and protocols to be private Maximize the way to exchange data and verify transactions.

Chainlink established a strategic partnership with Safe last year and is currently exploring solutions based on zero-knowledge proof Solution DECO aims to improve the privacy and security of users, protocols and institutions seeking to leverage oracles. As many projects turn to ZK interoperability tools, we expect the solution to be generated for the industry by the end of 2025.

Looking forward

SafeFive years in its establishment, we are excited to be part of the campaign to unlock digital ownership and its related things. Next year , Chain abstraction will enable us to overcome the technological challenges of blockchain while still benefiting from decentralization.

Advances in autonomous AI Agents and Smart Accounts The combination of infrastructure will break transaction barriers and unlock new opportunities to create wealth. Guided by the mission of providing users with real products and value, the industry will usher in an unprecedented level of on-chain activity. The future is bright. p>