Not so long ago, a wallet was a worn piece of leather in your pocket. Then it moved to your phone. Now, it’s evolving again - becoming smarter, more useful and more closely tuned to everyday life.
Over the coming decade your wallet will likely change significantly and probably won’t just store payment cards and loyalty points. It could help you decide how to use them – on your terms. With tokenised assets, AI assistance, and programmable money, you will have more control over how you pay, save and move value.
More than a single technology, the most important shift will be choice. Less “one-size-fits-all” finance and more “fit-for-you” finance.
Smarter, faster, more personal
Think of AI as your personal financial concierge. In the next few years, many people may have some form of intelligent digital assistant that suggests the most sensible way to pay and helps them manage finances with minimal effort.
You decide the rules – how much you’re comfortable spending, which accounts and cards to prioritise, what to block entirely. The technology does the heavy lifting in the background; within the boundaries you set.
Day-to-day, that might mean your AI assistant recommends your debit account for groceries, a rewards card for travel, or a stablecoin for a cross-border payment. Most of the complexity stays hidden, but you have a clear view of what is happening and the ability to override it.
And because these wallets are connected to trusted verification networks, every transaction can be checked in real time. That helps reduce fraud, protects you from fraudulent tokens and makes it easier to trust the services you use.
Instant payments, everywhere
Across Europe, instant payments have already moved from ‘nice to have’ to ‘expected’ in many situations. Over the next decade, that will spread across more banks, more markets and more everyday use cases, until waiting days for a transfer feels as old-fashioned as sending a cheque in the post.
Alongside this, stablecoins - digital currencies backed by traditional money – are emerging as another way to move value quickly – especially across borders. When combined with existing rails and clear rules, they can remove some hidden charges and delays that frustrate both consumers and businesses today.
For a designer in Milan working for a client in New York, or a small business in Krakow selling to customers in São Paulo, being paid almost instantly and using that money the same day will increasingly become the norm. The technology to deliver this exists today – the next step is to scale it, safely and consistently.
The rise of tokenised value
Tokenisation sounds technical, but the idea is simple: representing different types of value in digital form, so they are easier and more secure to move and manage.
Across the next decade, a typical wallet could hold much more than money. It could include small shares of property, digital bonds, cultural assets or carbon and energy-related credits. With a few taps, people could shift between these, or between currencies and rewards, depending on their needs at that moment.
Identity will likely move in this direction. Instead of repeatedly sharing the same documents, you could be able to carry tokenised credentials in your wallet – to prove you are over 18, a subscriber, or otherwise eligible for a service – without revealing everything about yourself each time.
Ownership models could change as well. Instead of buying a car or house outright, people in a neighbourhood might co-own tokenised shares in a vehicle fleet or a local development – giving more people a practical way to participate and invest.
Borderless by design
Europe is built on movement: of people, goods, services and ideas. Payments are catching up with that reality.
As instant payments, stablecoins and tokenised assets mature, day-to-day commerce will feel more naturally cross-border. Small businesses will find it easier to sell outside their home market and get paid quickly, without needing a complex patchwork of local arrangements. At the same time, they’ll still be able to rely on established networks to help with regulation, compliance and fraud risk.
Card networks, account-to-account payments, wallets and other new forms of money – all of this will converge. When that happens, consumers gain more options in how they pay and manage their money, and small businesses gain more options in how they grow.
A better home-buying experience
Buying a home is one of the most stressful life stages. Not just because of cost, but because the process from offer to completion often drags on for months. By the next decade, much of that friction will be removed.
Imagine asking your agentic assistant to scan the market and, instead of generic comparison tables, it comes back in minutes with mortgage offers that lenders can act on immediately, using your tokenised, verified profile to tailor rates and terms to you. That reduces the usual back-and-forth after an agreement in principle and helps get you to an accepted offer sooner.
But the real magic is after the offer is accepted. Property and identity records could be embedded in secure digital tokens covering title, ownership history and planning permissions, so solicitors, lenders and agents can access the same up-to-date information without chasing PDFs and signatures.
Smart contracts, backed by AI checks, could then automate key steps such as deposit transfers, fee payments and the release of mortgage funds once conditions are met. Instant settlement enabled by stablecoins could remove bank delays and reduce fees, meaning that what often takes many months today could, in many straightforward cases, be shortened to a matter of weeks.
The wallet of the future is already taking shape
Rather than a super-app that does everything, the wallet of the future will likely be a network of services and agents that work well together: secure, intelligent and tailored to the person using them.
In that landscape, Visa’s role is not to pick winners among technologies. It is to help make sure that, as new forms of money and value emerge, people and businesses can access them safely, across borders and across platforms. That means delivering access, security and interoperability - no matter how the world pays.
By the next decade, wallets will be faster, safer and more flexible, built around people and giving them real choice in how they earn, spend and move value in their daily lives. And the biggest shift won’t be the interface, but the idea itself: from a static app in the palm of your hand to an always‑on, trusted assistant that manages your financial life in a distinctly personal way.