PayFi Report (below): AI payment, small payment and innovation access gold solution

Author: Alice@ForeSightventures

In the previous article, we analyzed the overall ecological pattern of the Payfi track. This time, let's talk about several new application scenarios with potential: AI payment, small payment for consumers, and innovative entry and exit solutions.

(1) AI payment

We firmly believe that the track of AI and encrypted payment is hidden in huge market potential. AI payment is expected to subvert many industries other than traditional finance, such as data labeling, model training and content creation. As AI Agent gradually integrates into daily life, the application scope of encrypted payment will also be expanded to the mainstream industry. In the future, the AI ​​assistant can even help you take the initiative to order take -out, match the purchase of clothes and groceries, arrange a taxi for a meeting, etc.

Market opportunity

• Source of AI Payment Platform: Trading fees, subscription fees, or small payment systems for various AI services are the income channels for the AI ​​payment platform.
• Advantages of stable currency settlement: Stable currency transactions can realize the all -weather real -time settlement of cross -border remittances. Compared with the traditional banking system, it is not only faster and the rate is lower, which is very suitable for small transaction needs of AI drive.

Case: Skyfire

Skyfire technology is committed to creating a powerful and scalable payment infrastructure for AI agent and users, mainly including the following key parts:

1. Payment and wallet infrastructure:

• Skyfire wallet service: provides a channel for global transactions.

• Payment-As-Auth: Real-time real-time settlement of USDC.

• Small micro -payment support: help AI intelligence conducts transactions without permission, high frequency, and low value.

• Open Agreement (AI market): Integrate all products and services related to AI. AI Smart only needs to open the resources required to work through the Skyfire open agreement (market), and use the Skyfire API to pay for these services. For example, decentralized computing power market, decentralized data marking market, automated data set, AI model API, etc.

• Identity and verification layer: give identity (KYA) for each AI intelligent body, and provide identity identity for all smart parties, users and enterprises using Skyfire products. Through KYA, you can track the history of transactions, ensure compliance and accountability, and verify the intelligent identity of each transaction to ensure that it is safe.

• Integrated tools: Support more than 160 large language models (LLMS), and API access interfaces that provide data sets, high -quality content and web services, and also prepare tools for developers to facilitate Skyfire into their systems.

Key success factor

• AI payment layer network effect: Skyfire is a platform that integrates the AI ​​market and payment layer. On the one hand, by integrating various AI markets and service providers, it attracts more users and AI intelligence to use its products; on the other hand, it also creates revenue for more AI service providers of Web2 and Web3 (with the help of stable currency trading, Transfer efficiency and frequency can be significantly improved), thereby forming bilateral flywheel effects.

• Compliance and security: verified identity (KYA) and trading history ensure the security of transactions, effectively prevent fraud, and the authorization system further enhances transaction trust.

• Powerful communities: cooperation with LLM providers, data markets and enterprise AI companies to consolidate their ecosystems. More than 1,500 developers are currently using Skyfire tools and services.

(2) For small payment for consumers

Consumers based on encrypted consumers are paid for small amounts, combined with innovative models such as Moonshot (buying and selling MEME currency with cryptocurrencies) and Sidekick (providing Web3 payment gateways), which highlights the huge potential of global instant settlement and decentralized agreement. By reducing intermediate links and costs, this model may subvert cryptocurrency transactions, content creation, games and live broadcast industries, especially in emerging markets. Low -drawing rate, convenience of cross -border payment, and MOBILE high penetration rate make cryptocurrencies the ideal solution.

Market opportunity

• Target market: cover daily trading scenarios such as taxi, games, digital media, live broadcasts, content creators and online communities.

• Increase source: transaction fee, cooperation income with content platform, and integrated income of decentralized finance (DEFI).

Case: Moonshot

Moonshot is a trading platform that supports users to use Apple Pay and other methods to buy and sell MEME tokens. The main features are as follows:

• Self -hosted wallet: Users can create accounts through email and passwords (with Touch ID, FACE ID or Password). Moonshot uses its multi -computing (MPC) partner Turnkey.com to generate embedded wallets for the supported blockchain.

• Cost structure: Moonshot charges transactions to cover management costs to ensure a smooth experience. According to the transaction amount, the network cost is paid by the platform to handle orders priority. For example, a transaction of $ 1 to 250 charges 2.5%, with a minimum of about 0.40 US dollars; transactions with more than $ 250 will charge 1%.

• Recommended plan: Users recommend friends to use platforms to get rewards. When the recommender and the recommended person complete identity verification, both parties can get rewards. The plan is currently implemented among iOS users in some regions.

Critical success factor

1. User -friendly interactive design: The Moonshot interface is simple and intuitive, simplifying the buying and selling process of MEME cryptocurrencies. By supporting French currency payment methods such as Apple Pay, credit cards and PayPal, the entry threshold for new users has been reduced.

2. Tokenson online speed: The ability of the platform to quickly online popular MEME tokens is very important. For example, Moodeng's launch greatly enhances user participation and transaction volume, and reflects Moonshot's ability to grasp the market trend.

3. Efficient recommendation mechanism: Moonshot's recommendation system has promoted user growth through rewarding recommenders and new users, enhanced community interaction, and accelerated the popularization of platforms.

4. Compliance and security guarantee: The platform strictly abides by local regulations, and has adopted strong security measures such as cooperation with MoonPay for authentication and transaction processing. This compliance and security construction has enhanced the trust of users and laid the foundation for sustainable development.

Case: Sidekick

Sidekick is a web3 game accompanying platform and payment gateway. The anchor can receive small payment and reward through Crypto.

Critical success factor

• Solving the problem of creators' payment: Traditional streaming media platforms (such as YouTube, Twitch, and Tiktok) are drawn by 30%, and the payment cycle is long (usually weeks), and there are still regional restrictions. Sidekick provides instant and low -cost blockchain payment, which effectively solves these problems. For global content creators, especially those who are in insufficient traditional payment systems, have solved very big pain points.
• Low -cost transactions promote fair income: SIDEKICK allows mid -waist net reds to get higher income in transactions. Eliminating the WEB2 platform drawing, Sidekick ensures that the income distribution is more fair and reasonable. This is very attractive for the zero -industrial economy practitioners who seek better income sharing and faster payment.
• With the help of web3 infrastructure, expansion: Sidekick uses the web3 protocol to ensure that its payment gateway decentralization, scalability, and reliable. The transparency and security of the blockchain provides a trust foundation for creators and users, and also enables Sidekick to meet the needs of millions of transactions from a small amount to millions of transactions.
• The future trend of the creator economy: With the development of the creator's economy, platforms like Sidekick occupy a leading position in the field of decentralization and cryptocurrencies. With the increasing popularity of NFT, digital assets, and web3 applications, Sidekick can be used as a comprehensive payment solution. The anchors and creators can not only earn income through conventional live broadcast, but also use the tokenization content and Fans Token to realize their influence.

(3) Innovation in -and -out funds solutions

High -efficiency deposit solutions play a key role in the large -scale popularization of cryptocurrencies. These schemes build a bridge to encrypted assets or participating in decentralized finance (DEFI) for users and institutions.

Market opportunity

• The demand for stable currency is rising: stable currency (such as USDC, USDT, DAI) in remittance, DEFI, and cross -border trade has continued to increase, which has spawned the demand for the conversion of fiat currency and stable currency. After the US election, stable currency -related laws and regulations are expected to be more complete, and more room for development will be ushered in after compliance.
• Layer-2 and multi-chain expansion: The entry gold platform can be combined with the Layer-2 network (such as Optimism, Arbitrum) and cross-chain support (such as Solana, Avalanche) to reduce costs and increase transaction speed. Users can contact diversification of diversification Encrypted ecosystem.
• Enhancement can be available: Embedded payment solutions and access methods without wallets (via emails or mobile phones) simplify the entry process of cryptocurrencies, which can attract novice users and promote wider applications.
• Emerging market potential: In -entry and exit platforms usually use mobile phone products to penetrate the weak emerging markets with weak financial infrastructure, and provide enterprise -level tools, and collaborate with partners such as VISA and Stripe to enter institutions and traditional payment networks.

Case: FIAT24

FIAT24 is a new type of Web3 bank that provides users with seamless and zero -cost conversion experience of fiat currency and cryptocurrencies. Its main product characteristics include:

• Vigatization deposit: FIAT24 presented fiat currency (such as CHF, EUR, USD, GBP) ERC-20 tokens on the Ethereum blockchain. Each tokens correspond to the 1: 1 of the trustees to ensure stability and credibility. The system supports instant and transparent transactions and can be seamlessly connected to DEFI services.
• Account interview based on NFT: Users will get a unique irreplaceable tokens (NFT) as their digital identity to access the FIAT24 account. This method replaces the traditional user name and password, which enhances security and user control. NFT is stored in the user's Arbitrum (Ethereum) wallet and is used to obtain the FIAT24 service.
• VISA debit card integration: FIAT24 provides VISA debit cards bound to user accounts to support global consumption in more than 40 million merchants. Users can recharge the card through the decentralized application (DAPP) of FIAT24 and specify the balance of currency to display the balance.
• Compliance guarantee: FIAT24 is operated by SR SAPHIRSTEIN AG and is supervised by the Swiss Financial Market Supervision (Finma). The platform complies with the requirements of anti -money laundering (AML) and regularly accepts the financial and regulatory audit of Grant Thornton, Switzerland to ensure the compliance and capital security of users.

The key success factor of FIAT24

• Powerful network effects: The key to the success of FIAT24 is to establish its token deposit as a general standard. This basic role has promoted interoperability and constructs a self -enhancement ecosystem for connecting traditional finance (Tradfi) and decentralized finance.
• Supervision advantages and cost leadership: With the Swiss bank license, FIAT24 obtained the endorsement of the traditional financial system and access to the SWIFT/SEPA network. This regulatory status enables it to provide partners and users with competitive prices and become a trustworthy and efficient Web3 bank solution.
• French currency and cryptocurrency integration: through the deposit of tokens (such as USD24), instant fiat currency-cryptocurrency conversion, and synchronous chain/ chain liters, FIAT24 seamlessly connects traditional finance and decentralized finance, creating smoothly And user -friendly ecosystem.
• Extended partnership: FIAT24 provides integrated Web3 banking business solutions. It is easy to integrate with major wallets and exchanges. It expands the scope of application through the division mode to promote network growth and enhance the practicality of the platform.

Conclusion

We believe that blockchain has great potential in redefining the global payment system. From AI -driven small transactions, to consumers' small payment, to fiat currency to cryptocurrency conversion solutions, Payfi innovation solves the long -term inefficient problems of traditional financial existence, and has opened up vast market opportunities, cryptocurrencies, stability stability The integration of currency and decentralized finance has paved the way for scalable, safe and cost -effective solutions.

Payfi is like a bridge, leading us to a financial future with more inclusive, transparency and efficiency. Although it is still facing the challenges of supervision and infrastructure, the prospects are clear and the future is expected.