Crypto super apps may gain daily use via payments, TOKEN2049 speakers contend

Few people require daily cryptocurrency trading, yet everyone has to pay for purchases. This contrast might shape whether crypto fulfills its ambition as a daily financial service.

Four panel sessions at TOKEN2049 Singapore, arranged by ChangeNOW, featured leaders from MetaMask, Trezor, WalletConnect, and other firms discussing mainstream crypto adoption.

A recurring theme from the panels was the difficulty crypto firms face in achieving daily usage despite adding more features.

How Payments Might Fill Crypto's Adoption Gap

Aleksandra Korneva, co-founder of Rubic, noted during the super apps session that sporadic crypto traders see no reason to revisit an app daily.

But introducing payments might shift this pattern.

Alex Radu, CEO of Pulsar Money, viewed payments and trading as potential cornerstones for all-in-one financial apps.

“They just want to transact in a safe and secure and cheap way.”

Michelle Herman of CoinRoutes questioned the superiority of one-stop platforms, arguing that specialized providers may deliver stronger performance and data security.

This led to a fundamental query: what level of functionality truly enhances a financial app's utility?

Smarter Crypto Wallets and the Security Trade-off

The dialogue on wallets addressed another barrier: simplifying crypto transactions for non-experts.

Transferring assets across different blockchains often requires handling gas fees and multiple processes.

Yana of ChangeNOW insisted that such complexity should be eliminated.

“The user shouldn’t have to think about gas.”

A representative from MetaMask discussed the possibility of AI agents performing transactions on users' behalf in the future.

Denis, Trezor's software product lead, talked about hardware wallets authorizing agent-driven actions but cautioned that interface simplicity must not omit critical transaction details.

Financial Privacy as a Deciding Factor for Crypto Use

The session on infrastructure narrowed the focus toward real-world implementation.

Diana Alexandrova of WalletConnect argued that payment use should not require knowledge of blockchain mechanics.

“They don’t have to be cryptographers.”

Aztec Labs raised another issue: businesses cannot function effectively if confidential payments like wages are exposed publicly.

Banxa stressed the need for infrastructure providers to work together, while RocketX explored uniting liquidity sources under one interface.

User Adoption Remains Critical for Crypto Apps

The last panel explored a growing challenge: how AI evolution in internet search affects the discovery of crypto products.

Media representatives said they are moving toward interviews, podcasts, and direct audience connections as reliance on traditional search diminishes.

CoinEasy had a different experience: its solid Korean community and local search standing mitigated the disruption.

A wider view from all four panels: payments might provide users with a regular reason to engage with crypto.

Achieving this goal requires the industry to offer the convenience, reliability, and privacy that people currently anticipate from conventional financial systems.