As cryptocurrencies continue to evolve from niche assets into mainstream financial tools, the question of their viability as everyday payment methods has become more urgent. While adoption has surged in recent years, challenges like stablecoin volatility, scalability limitations, and regulatory ambiguity still loom large. Yet for Lior Aizik, co-founder and chief operating officer (COO) of XBO.com, the path forward is clear: crypto can—and should—become part of daily life.

“Crypto can absolutely become part of everyday payments,” Aizik told Bitcoin.com News. “But it won’t happen overnight. People don’t just want innovation—they want convenience and trust.”

Aizik believes the key to widespread adoption lies in simplicity and familiarity. “If paying with crypto feels as simple as making a bank transfer, adoption will follow,” he said. But simplicity alone isn’t enough. Trust—especially in a volatile and often misunderstood space—is paramount.

“Regulation gives confidence to both users and businesses,” Aizik explained. “Stablecoins ensure predictable settlement, and education helps people see crypto as more than speculation.”

According to the COO, XBO.com’s strategy is to address these pain points head-on. By integrating compliance protocols, supporting stablecoin transactions, and building user-friendly interfaces, the company aims to demystify crypto for the average consumer.

For Aizik, the goal isn’t just to enable crypto payments—it’s to make them habitual. “Our role at XBO is to smooth those edges: making crypto familiar, secure, and rewarding to use,” he said. “That’s how it becomes a daily habit, not just an investment.”

This vision reflects a broader shift in the crypto industry, where utility is beginning to rival speculation as the primary driver of innovation. As platforms like XBO.com continue to build bridges between digital assets and real-world commerce, the dream of a truly decentralized and user-friendly financial ecosystem inches closer to reality.

While many leading voices are working to shift public focus away from speculative trading and toward real-world utility—such as payments and remittances—the reality is more nuanced. For most users, their first encounter with crypto is through trading and investing. The allure of rapid gains, volatile price movements, and accessible trading platforms continues to draw newcomers into the space.

This makes the trading side of crypto just as critical as the payments side, especially when it comes to user engagement and education. Aizik, like many fellow industry executives, recognizes this duality. Platforms like XBO.com are increasingly taking on the role of educator, helping users understand both the opportunities and the pitfalls of crypto participation.

Still, even with knowledge and support, users can feel powerless when the crypto market sees episodes of extreme volatility. The dramatic crypto flash crash on Oct. 10, for instance, resulted in the forced liquidation of nearly $20 billion in leveraged positions, showing that external and structural factors—not just organic investor behavior—often dictate the market’s direction.

While the crash is widely thought to have been precipitated by a specific geopolitical event, history shows that the actions of a few individuals or large entities can kickstart a liquidation cascade.

Under this environment, the odds are heavily stacked against less well-resourced investors, especially during extreme market conditions. Still, these investors are not entirely defenseless. By adhering to disciplined risk management, they can take proactive steps to avoid being the next victims of these large, man-made liquidations.

Aizik advised:

“Most losses come from behavior, not tools. Avoid FOMO [Fear of Missing Out]/FOLE [Fear of Losing Everything], over-leverage, and revenge trading. Have a plan: position sizing, predefined stop-loss/take-profit, and a journal to review decisions.”

In other words, users should avoid chasing green candles or buying tokens simply because they are trending on social media. Similarly, users already holding assets should not engage in panic selling when the value starts tumbling, other they risk selling at the bottom.

Users can also empower themselves by thoughtfully managing their crypto exposure. That starts with smart apportioning—allocating only what they can afford to risk. Begin with small, manageable amounts and automate where possible to reduce emotional decision-making.

Aizik added that they should focus on measuring progress through process metrics, not just profit and loss. Tracking consistency, learning curves, and decision quality can be just as valuable as financial outcomes in building long-term confidence and resilience.

“On XBO, we add safeguards (education, risk prompts, and clear margin indicators) to help traders stay disciplined,” Aizik stated.

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