Author: kajiQ

Heidegger discussed a small matter in "Being and Time":

When a hammer is being used effectively, the person using it does not "see" the hammer itself; they see the nail, the wooden board being nailed, the work that is about to be completed. Only when the hammer breaks, becomes awkward to use, or gets stuck do people suddenly realize the existence of the "hammer" as an independent object.

This observation can be applied in many areas, including payment.

When you swipe a card at a convenience store or scan a code on the street, you do not realize that you are using a vast financial infrastructure. The issuing bank, clearing networks, international remittances... they all operate behind you, but you do not need to see them.

Crypto payments are still in a different state.

A person buying coffee with USDT still stops to think before paying:

• Does this shop accept it?
• Can I make the payment successfully?

A traveler using a U card to pay for Uber may even post a tweet about it afterward.

It remains something that requires a "think twice" before use and is still worth a "remember this" afterward.

Just like credit cards in the 1950s and Alipay in 2013, it is in the middle of transforming from a "novelty" to an "everyday tool".

And today’s Bitget Wallet is making this journey faster on the streets of three continents.

This is an ongoing process, but in the real use of 100 million users, the transition from "being discussed" to "being used unnoticed" has already made significant progress.

To accelerate this process, Bitget Wallet has launched the "PayFi Odyssey" campaign in partnership with Stellar, offering a total reward of 300,000 USD equivalent in XLM, covering over 35 countries and regions in Asia, Africa, and Latin America, with the campaign continuing until the end of July 2026.

This is the largest cross-regional user incentive campaign that Bitget Wallet has launched around PayFi to date.

Details will be elaborated below.

Payment, a history of "gradual disappearance"

Looking back at the history of payments reveals an interesting phenomenon:

Every generation's mainstream payment medium reaches maturity when the unnecessary thoughts surrounding it disappear.

When credit cards first appeared, people were concerned:

• Will plastic money lead to a loss of self-control?
• Is a cashless society safe?

No one considers these questions today.

They have disappeared in the act of swiping a card.

Alipay and WeChat Pay are the same.

Between 2013 and 2015, people repeatedly discussed:

• Is it safe?
• Could there be problems with third-party fund custody?

Today, a person in Shanghai will simply open Alipay when ordering delivery without a second thought.

It has vanished in the act of scanning a code.

People certainly know what currency and payment method they are using.

What is truly forgotten is the extra thoughts attached to a new payment method:

• Is it safe?
• Do they accept it?
• Can it succeed?
• What if it fails?
• What is the underlying mechanism?

When these thoughts disappear one by one, and only the clean choice of "what to pay with" remains, a payment method has truly entered the daily routine.

And what Bitget Wallet is doing is removing these thoughts one by one.

"Subtraction": The philosophy of Bitget Wallet

This change comes directly from within the team.

A colleague from Bitget Wallet told me:

In the past, when he went to Hong Kong, he would subconsciously do a few things:

• Exchange for Hong Kong dollars
• Buy an Octopus card

This year he no longer does that.

He gets directly into a taxi to the hotel after getting off the plane.

For meals and shopping at 7-Eleven, he uses WeChat, Alipay, or Uber throughout.

When he first did this, he instinctively paused for a few seconds after showing the payment code at a Cha Chaan Teng in Central:

Was it successful?

Now, that hesitation has disappeared.

He said:

Bitget Wallet U card is basically sufficient for daily consumption in the domestic market. Eating out, taxi rides, ordering takeout, various AI subscriptions. I don’t feel that it is any different from other cards.

The change happens where he cannot see it.

In the background, stablecoins are flowing.

Not letting users learn new things

This reveals something deeper than "crypto payments becoming convenient".

The transition of crypto payments into the daily routine is not about users learning something new.

Instead, it is about this new thing dissolving into everything the users are already using.

Including:

• Apple Pay
• Visa
• Mastercard
• PromptPay
• VietQR

Bitget Wallet does not require users to:

• Change their habits
• Remember new brands
• Learn new QR codes

It simply allows stablecoins to flow through existing pipelines like water.

Backtracking technology from user pain points

This line of thinking is very clear to CEO Karry.

He mentioned:

The Web3 industry has long been like a person holding a hammer looking for nails. I have a certain technology, so I need to find a scenario to use it.

Bitget Wallet's logic is exactly the opposite.

Starting from the user, then choosing the technology.

For example:

If the user does not want to remember a mnemonic

→ Use TEE + Social Login

If the user does not want to perceive Gas Fees

→ Use EIP-7702, achieving stablecoin payment for Gas

If the user does not want to copy long addresses

→ Link transfers

If the user does not want to care whether the merchant accepts crypto payments

→ Bitget Wallet Card

Not inventing new tracks, letting stablecoins flow through old tracks

This logic is particularly evident in the Latin American market.

Brazil has a mature Pix payment network.

Bitget Wallet has not tried to reinvent the payment system.

Instead, it has directly integrated with Pix.

The user:

• Still scans Pix
• Still uses Pix

Changes only occur in the background.

The settlement flows through stablecoins.

This is also the core statement of Bitget Wallet’s overall payment strategy:

Do not invent new tracks; let stablecoins flow through the existing tracks.

Invisible coordination layer

Supporting all of this is Bitget Wallet's:

Onchain Payments Matrix

This is a set connecting:

• Blockchains
• Stablecoin issuers
• Card organizations
• Clearing banks
• Local payment networks
• Merchant systems

As a payment coordination layer.

It:

• Does not issue tokens
• Does not redo settlement
• Does not replace financial infrastructure

It only does one thing:

Let originally isolated participants operate in coordination.

Growth happening in emerging markets

This year:

The daily number of payment users using Bitget Wallet's scan-to-pay has increased nearly tenfold year-on-year.

And the most significant growth areas are not New York or London.

They are emerging markets.

For example:

Argentina

The local currency has long depreciated.

Stablecoins have become savings tools for residents.

Venezuela

Dollar stablecoins have already become a means of value storage in real life.

Latin American remote workers

New York companies hire Argentine employees.

Wages through SWIFT:

• Slow
• Expensive

Wages through stablecoins:

• Fast
• Lower cost

Thus, stablecoins naturally become the default choice.

People here are not drawn to Web3 out of love.

On the contrary.

They simply need:

• To hold the dollar value steadily
• To spend money smoothly

That’s all.

PayFi Odyssey: One summer, three continents

Tools move from being discussed to being used through the repeated use of real people.

PayFi Odyssey is doing just that.

Total prize pool:

300,000 USD equivalent XLM

Covering:

35 countries and regions in Asia, Africa, and Latin America

First main line: U card

Prize pool:

200,000 USD equivalent XLM

Dates:

May 26 - July 7

Users can accumulate points through:

• Opening a card
• Card transactions
• Stellar on-chain tasks

And finally share rewards based on points proportionally.

Second main line: Scan to pay

Prize pool:

100,000 USD equivalent XLM

Coverage:

• Singapore
• Vietnam
• Brazil
• Argentina

And 11 other markets.

These regions already have a mature local QR code system.

Stablecoins just need seamless integration.

Third main line: Crypto Survival Plan

Prize pool:

100,000 USD equivalent XLM

Targeting:

• Asia
• Africa
• Latin America

Recruiting KOLs.

Through videos and interviews document:

How crypto payments fulfill real-life consumption.

Unified topic:

#StellarPayFiOdyssey

An afternoon that no longer needs to be remembered

Electricity has not disappeared from the conversation.

But when people turn on the lights, they no longer worry about electric shocks.

The internet has not disappeared from the conversation either.

But when people open their phones, they no longer worry about whether the internet connection is functional.

They still exist.

It’s just that the thoughts surrounding them have dissipated.

Crypto payments are on the same path.

A year ago, that Bitget Wallet associate would still check if the payment was successful.

Now they don’t.

A year ago, they would convert to Thai Baht when going to Thailand.

Now they don’t.

A year ago, they did not know that the Bitget Wallet Card could be linked to Apple Pay.

Now it has merged into the daily action of tapping through the subway.

These are all processes of "thoughts disappearing".

And what PayFi Odyssey aims to do is to make this process happen in more places:

• Cafés in Bangkok
• Homes in Manila
• Markets in Lagos
• Ride-hailing in Buenos Aires

Every repetition will make crypto payments:

Less of a topic.

More of an everyday experience.

The 300,000 USD that Bitget Wallet has spread aims ultimately to achieve something simpler:

One day, a user swipes a card to buy a cup of coffee.

In their mind, there is just one thought left:

Let’s use Bitget Wallet.

And no longer think:

Is this reliable?

At that moment, crypto payments are truly "forgotten".

Just like that Bitget Wallet associate swiping Apple Pay when going downstairs for a meal.

They may not even think of Bitget Wallet.

And this is exactly the simplest and most precious achievement this company has made in the past two years.