Wallets Are Transforming into Financial Ecosystems
The first panel, “From Code to Cashflow: How Wallets Are Eating Finance,” convened leaders from Trust Wallet, Tangem, SwapSpace, and SimpleSwap to unpack monetization beyond fees, real yield, and the UX–security trade-off.
Building the case for yield’s real‑world impact, Nick DiSisto (Trust Wallet) observed: “Holding dollars through stablecoins can be a 20% gain on its own — add staking, and it’s life‑changing.” Picking up the thread on user behavior, Ana Jacobson (Tangem) added, “Users pick the better product, not necessarily the safest one.”
That pragmatism about UX and outcomes set up Alex Rem (SimpleSwap) to explain why infrastructure must disappear into the background: “Because wallets are quietly becoming the invisible layer where code turns into cashflow, giving users both Web3 speed and fintech reliability.”
Vasily S. (SwapSpace) brought the discussion back to the deeper cost of usability trade‑offs: “When you use social logins like Google or Apple, you exchange privacy for convenience — often without a second thought. In crypto, that same trade‑off can result in immediate financial loss. We will not achieve mainstream adoption until security is seamlessly integrated into the user experience.”
Together, the quotes traced a single arc — from yield as everyday value, to UX as the decisive lever, to invisible infrastructure as the industry’s endgame.
The Race to Onboard the Next Billion
The second session, “Who Wins the Battle for the Next Billion?”, featured Nicky (Pelagos Network), Janlo van den Heever (Xverse), and Bassam (Guardian). Speakers agreed the winners will make chains irrelevant to the user and keep logins familiar — mobile‑first, simple, and trustworthy. Cost pressure in high‑remittance corridors sharpened the point: as Janlo put it, “Western Union takes 30% — that won’t last long once stablecoins scale.” That perspective linked directly back to the first panel’s thesis: real yield and frictionless UX only matter if infrastructure is reliable enough to fade from view.
Key Takeaway: Wallets as the Invisible Infrastructure of Finance
Across both conversations, one message carried through the storm: wallets are no longer accessories — they’re becoming finance’s invisible infrastructure. From real‑yield mechanics to super‑app design and chain‑agnostic experiences, the path to onboarding the next billion hinges on making complexity vanish while outcomes — send, swap, earn — stay front and center. #MoonSwap
Boilerplate — About SimpleSwap
SimpleSwap is a global non‑custodial cryptocurrency exchange founded in 2018. Since then, it has grown to support 2,600+ digital assets, offer 3.2M + crypto trading pairs, and counts 100,000+ mobile app installations alongside a network of 6,000+ partners. Evolving from swap provider to end‑to‑end infrastructure partner for wallets, super apps, and fintech platforms, SimpleSwap powers compliant, reliable, and flexible rails so partners can deliver seamless user experiences.