One of Cardano’s key targets for 2030 is reaching 27M+ monthly transactions. That’s not going to come from trading activity alone. We need real, recurring, payments-driven volume flowing through the network which is what exactly the @wirexapp budget proposal delivers. Wirex is a licensed, Visa Principal Member payments company with 7M+ users, $20B+ in transaction volume, and operations in 130+ countries. They already power the existing @cardano_card that lets ADA holders spend at millions of merchants. This proposal takes that work much deeper. What’s being built is a full payments layer on Cardano: smart contract-based settlement, card issuance tied to onchain balances, fiat on/off-ramps, and banking rails. Every payment, every card tap, and every fiat conversion generates onchain transactions. For wallets, this is a big deal. The proposal includes public SDKs and APIs so any Cardano wallet can integrate payments, card issuance, and fiat access directly into their app. The target is 5+ wallet integrations, turning Cardano wallets from portfolio viewers into actual spending tools. Everything is open source: smart contracts, SDKs, APIs, and integration frameworks. Any builder, fintech, or stablecoin project on Cardano can use this infrastructure. One funded proposal becomes shared tooling for the whole ecosystem. Wirex has already deployed similar infrastructure natively on Base, Stellar, and Tron. They know how to do this. The proposal covers 9 months of work, broken into 5 phases, milestone-gated through @IntersectMBO, with an independent Halborn security audit before production launch. Funds will only be released on verified delivery. If you want 27M monthly transactions by 2030, you need proposals that bring sustained, real-world payment volume onchain. This is one of them.(EMURGO)