by Coinstrooper Crypto Articles
Quick Take
  • Most people don’t need to trade cryptocurrencies every day.
  • That simple difference could determine whether crypto’s ambition to become an everyday financial service succeeds.
  • The discussions exposed a common challenge: crypto companies keep adding features, yet everyday adoption remains difficult.
  • During the super apps panel, Rubic co-founder Aleksandra Korneva raised a basic problem.

What Happened

At TOKEN2049 Singapore, four panel discussions hosted by ChangeNOW brought together executives from MetaMask, Trezor, WalletConnect and other industry players to debate how crypto can reach mainstream users.

The discussions exposed a common challenge: crypto companies keep adding features, yet everyday adoption remains difficult.

During the super apps panel, Rubic co-founder Aleksandra Korneva raised a basic problem. People who exchange cryptocurrencies occasionally have little reason to return to an app every day.

Market Context

Pulsar Money CEO Alex Radu identified payments and trading as possible foundations for apps combining multiple financial services.

Meanwhile, Banxa emphasized cooperation between infrastructure providers, while RocketX discussed combining liquidity sources into a single interface.

Why It Matters

Most people don’t need to trade cryptocurrencies every day. But they do need to pay for things. That simple difference could determine whether crypto’s ambition to become an everyday financial service succeeds.

Why Payments Could Be Crypto’s Missing Piece

Payments, however, could change that behavior.

Still, CoinRoutes’ Michelle Herman questioned whether combining everything into one platform is necessarily better. Specialized services could offer stronger execution and better protection of customer information.

MetaMask’s representative explored how AI agents could eventually execute transactions for users.

Financial Privacy Could Decide Who Actually Uses Crypto

Details

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

The debate raised an important question: how much functionality actually makes a financial app useful?

Crypto Wallets Want to Become Smarter. But What About Security?

The wallet discussion examined another obstacle: making crypto transactions simple enough for ordinary users.

Moving funds between blockchain networks can involve managing gas fees and navigating several steps.

ChangeNOW’s Yana argued that much of this complexity should disappear.

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

Trezor software product lead Denis discussed hardware wallets approving agent-initiated actions, while warning that simplifying interfaces should not mean removing important transaction information.

The infrastructure panel brought the conversation closer to practical adoption.

WalletConnect’s Diana Alexandrova argued that consumers should be able to make payments without understanding blockchain technology.

“They don’t have to be cryptographers.”

Aztec Labs highlighted a different concern. Businesses cannot reasonably operate if sensitive payments, including employee salaries, are publicly visible.

Even Better Crypto Apps Still Need Users