Crypto keeps talking about adoption, but everyday payments still feel unsolved.

We talk a lot about mass adoption, but when it comes to actually paying with crypto in daily life, the experience still feels fragmented.

Most solutions force trade-offs:

- decent UX but high conversion fees

- low fees but slow or unreliable transactions

- fast payments, but awkward onboarding or delayed deposits/withdrawals

For something as basic as paying for coffee or a subscription, none of that really works. In real-world situations, people expect payments to be instant, predictable, and not eat into the value just to convert. It feels like the space doesn’t need more features or tokens here, it needs a payment-focused app that treats speed, transparency, and reliability as non-negotiable, not optional.

What is limiting it: is this still a tech limitation, or just poor product design so far?