Optimisus

PWC a devenit prima portofel de plată criptografic non-custodial recunoscut oficial de atât ASEAN Records cât și Asia Records.

Aceasta nu este doar o știre.
Aceasta este începutul unei noi ere.
Și toată lumea știe asta—Aceasta nu este sfârșitul.
Acesta este momentul în care PayWithCrypto a fost cu adevărat scris în istorie.
Pentru că în această noapte, am fost martorii unui moment de cotitură:
PWC este acum primul portofel de plată criptografic non-custodial oficial înregistrat și recunoscut atât în ASEAN cât și în Asia.
PWC ONE nu a fost pur și simplu o cină anuală.

Enjin, pionier în experiențele metaversului și tokenuri non-fungibile (NFT-uri), a dezvăluit astăzi Esența Elementelor, o inițiativă Multivers construită în jurul adevăratei proprietăți a jucătorilor cu obiecte în joc care pot fi utilizate, progresate și extinse în mai multe jocuri. În loc de un singur eveniment în joc, Esența Elementelor se bazează pe modelul în care jucătorii își dețin cu adevărat obiectele, le transportă între diferite lumi și își cresc valoarea prin jocul între jocuri.
Prin tabloul de bord al Multiversului Enjin, jucătorii își leagă portofelul de joc pentru a accesa un sistem de progresie comun care se întinde pe mai multe titluri. Prin completarea misiunilor și provocărilor din diferite jocuri, jucătorii câștigă Esență și deblochează noi obiecte care evoluează dincolo de un singur joc, creând un set în continuă creștere de obiecte de colecție din Multivers. Fiecare sezon - Foc, Apă, Vânt și Pământ - adaugă noi oportunități de a extinde utilitatea unui obiect și de a debloca obiecte suplimentare din Multivers prin joc în medii de joc diverse.

Check Point Research a dezvăluit că grupul nord-coreean de amenințări persistente avansate (APT), KONNI, a vizat dezvoltatorii de blockchain din Japonia, Australia și India. Hackerii folosesc backdoor-uri PowerShell generate de AI.
Conform rapoartelor publicate pe 21 ianuarie 2026, atacul începe când KONNI folosește Discord pentru a oferi un link care îi determină pe dezvoltatori să descarce un fișier ZIP. Această arhivă conține elemente care inițiază un proces de infecție în mai multe etape pe computerul victimei.
Fișierul ZIP include un shortcut Windows și un fișier PDF aparent autentic. Shortcut-ul Windows inițiază scripturi care lansează un script PowerShell în memorie, generează sarcini programate și dezarhivează alte fișiere. Acest script se conectează apoi la servere aflate sub controlul atacatorilor, creând un backdoor permanent pe sistemul compromis.

Protocolul Tezos a fost actualizat cu succes, urmând un proces de guvernare on-chain cu o participare largă din partea baker-ilor (validatori) și a membrilor comunității.
Dezvoltat de Nomadic Labs, Trilitech și Functori, Tallinn este a 20-a actualizare a protocolului, marcând 20 de evoluții ale blockchain-ului Tezos, propuse, adoptate și activate fără probleme de către protocolul însuși.
„Adaptarea la cererea pieței de 20 de ori în 7 ani fără întreruperi de rețea și într-un mod complet descentralizat este o dovadă indiscutabilă a fiabilității Tezos și a designului său pregătit pentru viitor”, a spus Yann Régis-Gianas, Șef de Inginerie la Nomadic Labs.

As payments, finance, and blockchain infrastructure continue to converge a new paradigm of value circulation is taking shape.

1. From DeFi to PayFi: The Inevitable Evolution of Blockchain Applications
In the early stages of blockchain development, industry focus was largely centered on asset transfers and financial derivatives.
DeFi (Decentralized Finance) proved that blockchain could build financial systems without intermediaries.
However, it did not solve a more fundamental problem: everyday payments and settlement.
No matter how advanced technology becomes, the real economy ultimately revolves around one core activity:
Payment.
PayFi (Payment Finance) emerged precisely in this context.
It is not a rejection of DeFi, but a natural extension toward the real economy.
2. What Is PayFi? It Solves Payment Problems, Not Speculative Finance
PayFi = Blockchain × Payments × Financial Infrastructure
Unlike DeFi, which focuses on how capital is lent, traded, or structured into derivatives, PayFi addresses far more fundamental and high-frequency use cases:
Digital Currency PaymentCrypto PaymentUSDT Payment / Stablecoin PaymentDigital Currency SettlementDigital Currency Online AcquiringCross-Border Payment
PayFi does not aim to create new speculative financial instruments.
Its purpose is to make digital currencies scalable tools for real-world payment and settlement.

3. The Real Foundation of PayFi in 2025: Data Is Driving the Shift
PayFi is widely discussed in 2025 not because of hype, but because of data.
Key Industry Indicators in 2025 (Aggregated Market Trends)
Global annual stablecoin settlement volume has reached multiple trillions of USD, with more than half used for payments, remittances, and settlement, not speculation.Emerging markets — Southeast Asia, the Middle East, Latin America, and Africa —are experiencing the fastest growth in stablecoin payments, with annual growth rates commonly exceeding 40%–60%.The cross-border payment market continues to expand, while traditional systems still charge 3%–6% average fees, compared to sub-1% total costs for stablecoin-based settlement.In multiple countries, USDT has effectively become a cross-border unit of account, especially in tourism, freelancing, international trade, and e-commerce settlement.
These data points make one thing clear:
The question is no longer whether PayFi will happen —but who will be able to absorb and scale this demand.
4. Why Stablecoins (USDT) Became the Core Carrier of PayFi
PayFi depends on one essential condition: stability.
Historically, cryptocurrencies struggled as payment tools due to price volatility.
The maturity of stablecoins fundamentally changed this assumption.
Stablecoins such as USDT and USDC offer:
Stable value anchoringNear-instant on-chain transfersGlobal accessibilityDeep liquidity and market depth
This allows USDT payments to gradually take on monetary characteristics in the real world,
forming the settlement foundation of the PayFi ecosystem.

5. PWC’s Role in the PayFi Framework:
The Real-World Payment Connectivity Layer within the PayFi ecosystem, not every participant directly faces users or merchants.
What truly determines real-world adoption is the intermediate layer connecting on-chain systems to real-world commerce.
PWC (PayWithCrypto) is one of the representative players in this layer.
What Is PWC?
Functionally, PWC is neither an exchange nor a simple wallet.
It is a payment network and settlement system connecting crypto payments with real-world merchants.
It solves a critical mismatch:
Users want to pay with digital currency while merchants want to receive local fiat currency.
How PWC Operates (PayFi in Practice)
User side:
Users complete crypto payments using USDT and other stablecoins
System layer:
On-chain settlement and clearing mechanisms handle digital currency settlement
Merchant side:
Merchants receive local fiat currency without bearing volatility risk. This structure allows Digital Currency Online Acquiring to scale in a manner similar to traditional online acquiring systems.
As of 2025, PWC has completed large-scale deployment across multiple Southeast Asian markets, covering tens of millions of merchants, making it one of the most tangible real-world PayFi implementations.
6. PayFi Is Changing More Than Just Payment Methods
From a long-term perspective, PayFi’s significance extends far beyond “faster and cheaper payments.”
As payments and settlement move fully on-chain, several structural shifts emerge:
Payment equals settlement, dramatically improving capital efficiencyTransparent, verifiable transaction data, enabling new credit systemsLower cross-border barriers, allowing SMEs to directly participate in global commerceFinancial services built around real transactions, rather than speculative activity
PayFi is becoming a core infrastructure layer connecting the real economy with blockchain-based systems.
7. Conclusion: PayFi Changes the World Through Adoption, Not Disruption
PayFi will not replace banks or traditional payment systems overnight.
It resembles the early TCP/IP protocols of the internet — initially a supplement, eventually one of the default standards.
When people become accustomed to paying with USDT, merchants routinely accept digital currency payments, and businesses settle cross-border transactions using stablecoins, PayFi will have fulfilled its most important mission.
PayFi is not a slogan.
It is a payment infrastructure already being adopted by the real world.

River, the first chain-abstraction stablecoin system designed to connect assets, liquidity, and yield across ecosystems, today announced $8 million in strategic investment from TRON DAO Ventures.
River will deploy its chain-abstraction stablecoin infrastructure and expand its integration across the TRON ecosystem, strengthening TRON’s position as a leading blockchain network for stablecoin activity.

River will enable cross-ecosystem assets and liquidity to enter the TRON ecosystem through its chain-abstraction stablecoin infrastructure. The integration will further accelerate the flow of cross-ecosystem liquidity into TRON, extending access to one of the world’s largest blockchain networks.
By abstracting underlying network complexity, users will be able to move assets across blockchain ecosystems without navigating individual chains, simplifying cross-chain participation and settlement.
The initiative aims to build a more unified and interoperable infrastructure to support activity across the TRON network.
As part of the initiative, satUSD will be introduced across several core protocols within the TRON ecosystem. It will be deployed in stablecoin liquidity pools alongside USDT and USDD on SUN, with price feeds provided by WinkLink, and will be made available on JustLend for lending and borrowing.
The integration will extend across a range of assets and dApps across the TRON ecosystem, including TRX, USDT, wBTC, BTT, JST, SUN, WIN, and select NFT use cases. River also plans to introduce a Smart Vault and an institutional-grade Prime Vault.
TRON is one of the most actively used public blockchain networks globally, processing approximately 56 percent of all retail-sized USDT transfers in the fourth quarter of 2025, the highest share among major blockchains.
According to Tether’s latest transparency report, the network currently hosts approximately $83.4 billion in USDT liquidity, reflecting its role as a primary blockchain infrastructure supporting stablecoin activity worldwide.
By combining River’s cross-ecosystem connectivity with TRON’s scalable blockchain infrastructure, the collaboration aims to support the development of a more integrated network for liquidity, yield, and asset deployment.
The initiative reflects a shared focus on strengthening blockchain infrastructure to support scalable settlement, cross-ecosystem liquidity, and institutional participation.
About River
River is building the first chain-abstraction stablecoin system that connects assets, liquidity, and yield across ecosystems.
Website: https://app.river.incX: https://x.com/RiverdotIncTelegram: https://t.me/river_incDiscord: https://discord.com/invite/river-inc

Disclaimer: Any information written in this press release does not constitute investment advice. Optimisus does not, and will not endorse any information about any company or individual on this page. Readers are encouraged to do their own research and base any actions on their own findings, not on any content written in this press release. Optimisus is and will not be responsible for any damage or loss caused directly or indirectly by the use of any content, product, or service mentioned in this press release.