2026 '16 trillion dollars' will be released... The structural inevitability of capital overflow

Source: BlockMedia Original Title: 2026: $16 Trillion Unleashed… Three Factors of the ‘Capital Great Escape’ Original Link: Famous analyst Jordi Visser(Jordi Visser) has predicted that 2026 will mark the era of the ‘Great Unlock(The Unlock)’, when $16 trillion of capital previously tied up in the global financial system will be liberated.

He foresees that technological advances will fundamentally shake the ‘debt-centric liquidity’ logic that has dominated financial systems over the past 200 years, moving beyond mere efficiency improvements.

1. “Fractional Reserve Banking Is a Product of Technological Shortfalls”

Former Morgan Stanley executive and Wyoming blockchain pioneer Caitlin Long(Caitlin Long) has provided a meaningful analysis. She explained, “The reason fractional reserve banking was invented was not because leverage was favorable, but because payment speeds were too slow.”

In systems where transactions take days, liquidity was artificially created by leveraging debt to maintain economic momentum. However, now that technology enables ‘instant payments’, an era is opening where capital can be accelerated without relying on debt.

2. The End of ‘Telephone Internet’ Financial Systems

The current global financial system, valued at around $300 trillion, still operates at the speed of ‘dial-up internet’. This refers to a financial system akin to the ‘telephone line connection’ used to access the internet from the 1990s to early 2000s, not modern high-speed internet.

Even after real estate transactions are completed with paperwork and inspections, several days of gaps occur before funds transfer and registration records are updated. Additionally, large reserves deposited in foreign banks for cross-border payments and collateral idle waiting for settlement are all examples of ‘Trapped Capital(Trapped Capital)’.

When the US stock market transitions from T+2 to T+1 settlement in 2024, just one day saw $3 billion in collateral requirements released from NSCC. Jordi Visser emphasizes that the economic ripple effects of transitioning all asset classes to T+0(real-time settlement) will be a ‘Phase Change(’, where the very nature of the system transforms—like ice turning into water.

3. Why the ‘Dam’ Breaks in 2026: Triple Convergence )Triple Convergence(

Jordi Visser points to 2026 as the ‘Year the Dam Breaks’, citing the convergence of three technological trends.

Tokenization of all physical and financial assets into digital assets. Widespread adoption of programmable money in stablecoins. The emergence of autonomous AI agents as independent executors.

Particularly, AI agents are the key link. In the era of real-time settlement)T+0(, manual payment processes become new bottlenecks. Monitoring ten time zones around the clock and executing transactions within 40 seconds can only be performed by AI, not humans.

“By 2026, we will see a transition to a ‘Human-on-the-Loop)Human-on-the-loop(’ system, where AI autonomously optimizes capital allocation while CFOs sleep.”

4. The Great Barrier: The Wall of ‘Interoperability’

Of course, this process will not be smooth. Currently, major financial institutions are building their own ‘closed networks’.

Jordi Visser notes, “If tokenized government bonds in private bank ledgers cannot immediately communicate with public protocol stablecoins, we haven’t solved friction but merely moved it into a digital silo)Silo(.” The biggest technical challenge in 2026 will be establishing a ‘Universal Messaging Standard’ to connect this fragmented liquidity into a single ocean.

5. GDP Dividends: Growth Without Inflation

These changes also carry significant economic implications.

Tokenization maximizes the velocity of money, directly boosting real economic productivity. The ‘liquidity trap’—where people hoard money out of fear—does not work on AI agents. AI is programmed to move capital relentlessly for efficiency. As a result, increasing the velocity of capital can upgrade the economic engine, enabling global GDP growth without printing more money)non-inflationary(.

Conclusion: Structural Necessity

The $16 trillion liberation is not merely a ‘digital asset speculation’. It is a ‘structural inevitability’ as the financial infrastructure shifts from paper documents to information velocity.

Jordi Visser warns, “In 2026, as technology resolves friction and ends the era of debt, will you ride the wave of liberation or remain a spectator of the old system?”