As we journey along, continuously evolving products centered around users, Cwallet's evolution never stops.
Written by: Deep Tide TechFlow
"Our demand is not for packaging, but for more effective communication," this statement left a deep impression during the initial discussions with the wallet project Cwallet two years ago.
At that time, the project had just completed its transformation from 1.0 to 2.0: rebranding from CCTip to Cwallet, surpassing 100,000 daily active users, and beginning to stand out in the wallet sector.
The conversation two years ago lasted several hours, during which Cwallet meticulously introduced its 2.0 product logic: on one hand, it continued its community gene, providing tools such as community airdrops, batch transfers, and giveaways; on the other hand, it gradually expanded wallet functionalities, such as instant exchanges, top-ups, and gift card purchases, supporting users in utilizing crypto assets in richer and more realistic scenarios.
Regarding product design philosophy, Cwallet stated:
"We started from social media bots, so we pay more attention to the voices of the community and users. We believe that when real user needs are recognized and realized, it will attract a larger scale of users."
Today, two years later, Cwallet has grown into a platform supporting over 60 blockchains and thousands of crypto assets, attracting more than 37 million users, and with a complete upgrade of its brand visuals, it has entered the transformative "3.0 moment."
When discussing the new products and features of 3.0, the Cwallet team remains as talkative as ever:
"We have done a lot of work for the arrival of 3.0, including basic trading optimization, financial products, a meme market, XStocks trading, Cozy Card, and the upcoming contract trading, among others."
It is evident that from asset management, on-chain interactions, to investment and consumption payments, Cwallet 3.0 aims to create a Web3 financial platform that can be used anytime and anywhere, becoming a true one-stop crypto financial partner for users, satisfying the needs of both Web3 newcomers and seasoned players, while also providing enjoyment.
Looking back at Cwallet's ecological progress since the start of its 3.0 transformation, from focusing on user experience as a Web3 ecological traffic entry point to committing to serving the next billion-level users in the on-chain financial ecosystem, Cwallet has already achieved fruitful results.
7 Years, 0 Incidents: A Safe and User-Friendly Wallet Under the Web2.5 Product Philosophy
In the crypto world, wallets are the first step for users to enter Web3, and their user experience is crucial. In an environment where giants like MetaMask and Trust Wallet, as well as exchange wallets, are already very mature, how did Cwallet, starting from bots, develop to have tens of millions of users?
First is security. As an asset management tool, security is the lifeline. Cwallet has withstood market tests, achieving 0 incidents and stable operation over the past 7 years, which is remarkable in the perilous "dark forest" of crypto, providing reliable protection for millions of users.
The platform supports users in managing their private keys through a decentralized wallet, while also offering centralized wallet services secured by 2FA and MPC technology, allowing password recovery even if forgotten (with a 24-hour asset transfer limit to enhance security).
Second is usability. Cwallet positions itself as "Web2.5," aiming to eliminate the gap between Web2 and Web3 and lower the entry barrier for users. It supports convenient login methods such as email, phone, and Apple ID; integrates and seamlessly switches between custodial and non-custodial services; supports gasless transfers; and provides both mobile app and desktop web versions, all available in mainstream app stores. These measures aim to bring the next billion-level incremental users to Web3.
However, these seem to be standard features for wallets. Cwallet's ability to accumulate over 37 million users goes far beyond that.
Cwallet views the wallet as a bridge connecting Web2 and Web3, fully leveraging the vast user base of mainstream Web2 social media, including Telegram, Twitter, and Discord, each with user counts in the hundreds of millions, which is a significant characteristic that sets Cwallet apart from other wallets.
Cwallet's initial user growth stemmed from the viral spread and expansion of its TG Bot, providing a "foolproof" product experience that allowed novice users to easily own a wallet. Subsequently, Twitter Bot and Discord Bot were also launched, offering integrated services from asset management and community creation to batch distribution of rewards, greatly improving community management efficiency and subtly guiding Web2 users onto the blockchain. These three work together to build a vast influence network based on Web3.
As user aggregation brings more transaction interaction demands, Cwallet continuously innovates features and provides users with a more convenient experience through the combinability of different tools. For example, the giveaway tool focused on community growth automatically verifies tasks, conducts fair draws, and automatically distributes rewards; the batch payment feature allows users to send cryptocurrency to multiple people with one click; and the Airtime top-up service enables users to recharge their mobile phone bills with cryptocurrency anytime, anywhere. Additionally, Cwallet's toolkit includes tipping codes, airdrop arenas, payment buttons, gift cards, and more.
In summary, whatever wallet features you can think of, Cwallet has them; and for wallet innovations you might not expect, Cwallet also provides them.
From Basic Financial Management to Diverse Trading Modules: A One-Stop Crypto Financial Ecosystem Takes Shape
Creating products, features, and tools that users truly need has always been the conviction of the Cwallet product team.
From 1.0 to 2.0, Cwallet's initial user accumulation came from a long-ignored market. This strategy of entering from the margins allowed the team to find a unique position in the fiercely competitive wallet sector.
Entering the 3.0 phase, by building a complete Web3 financial ecosystem, the Cwallet team is implementing a "converging encirclement strategy." This ecosystem can comprehensively meet the diverse needs of both Web3 newcomers and seasoned players, allowing them to experience continuous surprises and upgrades.
After establishing a safe and user-friendly wallet as a communication bridge between Web2 and Web3, Cwallet continues to prioritize user demands, exploring multiple scenarios around interest-bearing financial management, asset trading, and consumption payments, gradually extending from a wallet to a Web3 financial entry point covering the entire lifecycle of assets, including trading, financial management, lending, and investment.
Cwallet Earn: Web3 Version of Yu'ebao with Up to 10% Annual Returns
In the crypto world, if money cannot generate more money, it is a waste.
Thus, Cwallet's on-chain financial product "Earn" was launched.
For Cwallet Earn, which addresses users' urgent financial needs, a Cwallet representative stated: "We hope that through this design, users can experience the convenience and security similar to Yu'ebao in the Web3 world, while also feeling the profit opportunities brought by crypto financial management."
Compared to personally operating complex DeFi protocols, Cwallet Earn offers a more worry-free, stable, and lower-threshold wallet financial management experience.
Cwallet Earn supports both flexible and fixed-term modes, allowing users to easily earn returns by locking assets on the function page, with a minimum investment starting from 1 U.
Flexible returns can reach 5%, while fixed-term returns can go up to 10%, with different lock-up periods corresponding to different yield rates, while maintaining stability. Interest starts accruing immediately after assets are deposited (with flexible returns viewable in the second hour and fixed-term returns in the second day), allowing users to keep track of their asset dynamics at all times. In case of emergencies, users can cancel orders at any time, providing flexibility and peace of mind.
Cwallet Lending: Fixed Rate Financing, Unlocking Flexibility of Crypto Assets
Excellent financial products should allow users to feel freedom, openness, and simplicity, and enable them to truly experience the joy of "wallets getting fuller." In addition to "Earn," Cwallet lending is also a good choice for users participating in on-chain financial management.
The original intention of designing Cwallet lending is to help users flexibly manage assets and respond to market changes, allowing every bit of capital to "move," truly experiencing the freedom and convenience of the Web3 world.
The operation is very simple: users only need to use BTC, ETH, or USDT as collateral to quickly borrow other cryptocurrencies, seizing trading opportunities they are optimistic about. The entire process is transparent and secure, with collateral returned or automatically processed within the specified period, making it convenient for users without worrying about cumbersome steps.
At the same time, Cwallet lending offers short-term fixed rates for 7 days, as well as long-term modes with indefinite fixed rates, allowing users to choose flexibly based on their own situations. The interest rate is calculated down to the hour, with an annual fixed rate of only 13%, helping users leverage more funds at a low cost.
Optimized Trading Experience: More Seamless, Simpler, and More Efficient
The core function of a wallet is asset circulation, Cwallet's built-in instant exchange function supports over 60 blockchains and 1000+ assets, aggregating mainstream CEX and DEX to provide optimal prices, instant experiences, and deep liquidity. Notably, the instant exchange incurs no service fees and has no minimum transaction limits, further reducing user trading costs and increasing freedom.
In the current scenario where "Web2 users want to enter, and Web3 users want to exit," Cwallet is dedicated to breaking down the barriers between Web2 assets and Web3 assets, allowing every user, regardless of their country, to manage crypto assets as conveniently as they would at a local bank.
The fiat currency deposit and withdrawal function is the key link that directly connects Web2 and Web3 for Cwallet. Through the Buy & Sell section, users can easily convert fiat currency into cryptocurrency or exchange crypto assets back into fiat, achieving seamless transactions. Today, this service covers over 150 countries and regions worldwide, supporting more than 100 mainstream fiat currencies (such as USD, HKD, THB) and over 50 payment channels (including PayPal, Google Pay, Visa, Mastercard, etc.), allowing users to directly purchase over 500 cryptocurrencies.
This comprehensive service makes Cwallet an efficient and secure bridge between the Web3 world and traditional finance, allowing global users to truly experience the convenience and freedom of transactions.
From Meme, XStocks to Gaming: Diversified Market Exploration and Fun Practices
After establishing basic trading that connects Web2 and Web3 assets, Cwallet also aims to make trading richer and more efficient. The recently launched Meme market and XStocks trading are two major attempts by the team in diversifying asset layouts.
The Meme market allows users to exchange or directly purchase popular Memecoins with a low threshold, and also enables one-click purchases with fiat currency, achieving a "see it, buy it" one-stop experience.
XStocks trading brings traditional financial assets into the crypto world, allowing users to easily trade cryptocurrencies and U.S. stocks on the same platform. For users accustomed to traditional finance, this intuitive operation enables them to quickly get started and accelerate their integration into the crypto market.
While continuously expanding the trading experience across diverse asset categories, Cwallet is also actively introducing more engaging and fun interactive mechanisms. The recently launched guessing feature in August, "Trend Trade" and "Market Battle," serves as an important spice, cleverly transforming the originally dull price fluctuations into lightweight, instant, competitive, and immersive interactive experiences, allowing users to explore the crypto world in a more entertaining way with a lower threshold.
Trend Trade is a fast and low-threshold game: users can participate with a minimum of 1 U, predicting the future price fluctuations of over 20 cryptocurrencies, including $BTC, $ETH, $DOGE, and $SOL. The results are based on real-time market data, and users who correctly predict can receive rewards.
If Trend Trade is an individual's judgment, then Market Battle is a contest of two forces: two users make judgments on the short-term price trends of the same asset and place bets, with the winning side receiving the entire prize pool.
The two features, "Trend Trade" and "Market Battle," are important measures by Cwallet to lower the entry barrier to crypto through gamification, attracting more new users to explore the crypto ecosystem.
These two features not only enrich the trading dimensions within users' risk tolerance but also represent the platform's proactive attempt to lower the participation threshold in the crypto world through gamification, attracting more new-generation users to enter and understand the blockchain ecosystem.
Cozy Card: From a Niche Crypto Circle to a Consumer-Level Payment World
When it comes to landing consumer-level scenarios, the Cwallet team has a more straightforward understanding:
"We believe that a truly good product should be easy for ordinary people to use, even in countries with imperfect financial systems. Simply put, we want Indonesian users to be able to buy fried chicken with Crypto."
For wallets, trading and financial management are fundamental skills, but how to truly integrate crypto assets into daily life is the ultimate test. The crypto payment card Cozy Card is Cwallet's core initiative to lay out consumer-level payment scenarios and realize the vision of "allowing Indonesian users to buy fried chicken with Crypto."
As a virtual debit card launched by Cwallet, Cozy Card supports direct consumption of various cryptocurrencies such as USDT, USDC, BTC, ETH, XRP, SOL, TRX, BNB, DOGE, ADA, LTC, and DAI, while also supporting mainstream payment channels like Google Pay, Alipay, WeChat Pay, PayPal, and Apple Pay. Users only need to load assets onto the card to make purchases at merchants that support Visa/MasterCard, without needing to convert to fiat currency in advance, making cross-border or instant transactions hassle-free.
Cwallet has endowed Cozy Card with a wide range of consumer payment scenarios, allowing cardholders to easily use crypto assets for payments whether at home, traveling, shopping at supermarkets, or buying coffee (specific situations may vary slightly across different versions, which can be confirmed when opening the card).
At the same time, compared to the potential risks of frozen cards in C2C withdrawals, Cozy Card offers a more direct and flexible payment experience.
Cozy Card maintains a clear advantage in rates: the loading fee is only 1.6%, the cross-border transaction fee is 1.5%, the regular transaction fee is 0%, and there is no monthly fee, further providing cardholders with a low-cost, low-friction global payment experience.
To meet different needs, Cwallet offers multiple versions of Cozy Card, including online virtual card versions such as USD Master, USD Pro, and Cozy Infinity, as well as a physical card version, USD Premium. Consumers can apply based on their needs, experiencing the charm of crypto payments and becoming "innovative pioneers" on the road to popularizing crypto payments.
Traffic Entry + Financial Ecosystem: Cwallet's Continuous Evolution
From the 1.0 version TG Bot, which accumulated initial traffic and reputation as a "social payment newbie";
To the 2.0 version, upgraded to a wallet platform, actively responding to community demands, continuously accumulating users, and lowering barriers through improved functional tools;
Now, through the C2C market, Earn, lending, Cozy Card, and increasingly rich trading modules, Cwallet is accelerating its transformation into a one-stop financial hub. The leap path of Cwallet 3.0 version is clearly emerging: from wallet traffic entry to a one-stop financial ecosystem.
All along, Cwallet's evolution has never stopped, centered around creating products for users.
Looking ahead to Q4 2025, we also see a clear plan for Cwallet in the future roadmap:
Launching a perpetual contract (Perp Trading) engine first, allowing every user to become a "professional crypto hunter."
Continuously expanding spot trading functions to create a comprehensive, high-performance "trading hub."
Deeply optimizing on-chain earning strategies to truly realize "wealth generation" for user assets.
Fully building instant messaging (IM) to promote platform socialization, enabling users to achieve a new experience of "earning money while chatting" as soon as possible.
All plans aim to achieve more usable, practical, and rich product goals, in line with Cwallet's "user-centric" positioning.
The massive scale of 37 million users strongly validates Cwallet's success in adhering to the "user-first" principle and implementing strategies for "deep market penetration" and "one-stop financial ecosystem."
As various roadmaps are successively implemented, where will Cwallet's next round of evolution take place?
"Our entire team adheres to a deeply ingrained product research and development gene. From engineers to operations, every piece of feedback drives Cwallet's self-renewal. Evolution has no endpoint; the best is always at the next stop, and we will strive for continuous iteration."
Facing the future of infinite evolution, the Cwallet team has provided the answer.
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