Think about it—a decade back, paying with your phone felt like sci-fi. Now? You'd be weird NOT to tap your screen at checkout. That same shift is happening with digital assets right now, according to Christian Rau, who heads up Digital Assets and Blockchain over at Mastercard. The guy's point hits different: next-gen users aren't just holding crypto—they're borrowing against it, spending it like actual money. It's not some distant future anymore. The infrastructure's being built as we speak, and legacy finance either adapts or gets left behind. Wild how fast the ground moves under our feet in this space.