Hedera now secures more than $5 billion in tokenized commercial real estate and is running live bank pilots for cross-border stablecoin payments, according to a year-end deep dive from research and trading outfit CryptoCharge.
On their âAfter Hoursâ show, co-hosts Gavin and Matt â known for a concentrated, fundamentalsâdriven approach and a fiveâcoin core portfolio â spent the entire episode on Hederaâs 2025 trajectory, calling HBAR a network âthat will stand the test of timeâ and one they both actively hold.
The most substantial developments the hosts highlighted sit in traditional finance.
On realâworld assets, they pointed to:
Matt lingered on Lloydâs of London as a signal: once those kinds of insurance policies are tokenized, he argued, they can be used as collateral in DeFi pools, effectively turning niche insurance contracts into onâchain, borrowable assets.
Banks are already experimenting. A stablecoin remittance pilot involving Shinhan Bank, Standard Bank & SCB TechX is using Hedera Token Service for realâtime settlement and FX integration, directly targeting crossâborder payments.
The episode also catalogued a cluster of decarbonization and dataâintegrity projects:
On the data side, the hosts cited:
CBDCs and DIDs were acknowledged as controversial. Both hosts framed them as âinevitable,â arguing the key question is which public networks governments and enterprises choose â and which assets benefit from that flow.
AI was another theme: Hedera is being used for immutable logging of AI agent decisions (Hedera Foundation and Equity Labs) and for verifiable compute tied into Nvidia Blackwell and Intel hardware, using hardwareârooted attestations to anchor AI operations onâchain for auditability.
From a market perspective, HBAR is down roughly 71% from its December 2024 high and trading between major technical levels the hosts have been watching for over a year.
Matt described a structural âvalue zoneâ around $0.08â0.10, referencing multiple historical rejections and support clusters there. A reclaim of roughly $0.12â0.13 would, in his view, signal a more clearly bullish structure.
Using cycleâwide Fibonacci projections, he mapped potential upside from those levels to:
Gavin disclosed he reactivated his HBAR DCA on November 22, explicitly aiming to make HBAR one of his top two holdings alongside XRP coin by 2026, despite not buying at absolute lows.
Both argued HBAR is now one of the few largeâcaps with:
They also framed Hederaâs DAGâbased, asynchronous BFT consensus as underâappreciated compared to conventional blockchains, grouping it alongside Avalanche, Kaspa, and Fantom, but âpushed to the highest use caseâ in terms of realâworld throughput and institutional interest.
For investors weighing 2026 allocations, the showâs implicit thesis was straightforward: in a cycle where âdecentralized asset treasuriesâ and tokenized collateral may become standard, Hedera has already done much of the unglamorous integration work.
Check out DailyCoinâs trending crypto scoops today:
As Gold Soars, Bitcoin Lags Ahead of Key PCE Data Report
XRP Doubt Peaks, 335% Options Surge Hints At Bounce
Is Hedera being used by real institutions or just in pilots? The hosts cited active tokenization with RedSwan (>$5B CRE), deployments like AUDD and USDC & bank pilots with Shinhan, Standard Bank, and SCB TechX. Some efforts are still framed as pilots or earlyâstage, but they are tied to named institutions.
Why do they see HBAR as âhere to stayâ? Because of the breadth of live use cases (finance, carbon, data, AI), topâtier partners, and its position as a topâ25 asset by market cap with spot ETFs now available, which they see as a proxy for regulatory and institutional comfort.
How do they view the risk from CBDCs and digital IDs on Hedera? They acknowledge the concerns but consider CBDCs and onâchain identity unavoidable. Their angle is that Hedera, as a public network, offers verifiability in an environment where trust in governments and institutions is falling.
Where do they rank HBAR versus smaller caps like Kaspa? They treat them as different plays: Kaspa for higher upside and risk, Hedera for institutional adoption and infrastructure. For Gavinâs personal portfolio, HBAR is targeted as a core, topâtwo holding.
DailyCoinâs Vibe Check: Which way are you leaning towards after reading this article?
Bullish Bearish Neutral
Market Sentiment
100% Bullish