Cardano founder Charles Hoskinson responded to criticism about the network's low DeFi TVL, acknowledging its gap with leaders like Ethereum but emphasizing broader governance strength with 1.3 million users holding over $15 billion in ADA. He dismissed the idea that major stablecoins like USDT would solve structural issues, noting native options like USDA exist, and attributed low TVL to passive user behavior. Hoskinson outlined a multi-year plan focusing on Bitcoin interoperability through initiatives like Midnight and RealFi to unlock billions in liquidity, while stressing that coordination, not technology, is the core challenge for 2026.