Can you actually use that crypto in your daily life?

A discussion on the "exits" and "connection options" that will become important from now on

At the beginning of this year, I wrote a note titled "The Changing Premise."

I felt that something was beginning to shift little by little regarding society, money, technology, and values.

About half a year has passed since then.

I don't want to rush to a conclusion even now.
Rather, I am still in the middle of questioning.

However, there is something I have been feeling more strongly over these past six months.

What will become important from now on is not just "what you hold" in crypto assets, but

where you can return it to in the end.

Can you return it to a bank?
Can you use it for payments?
Does it connect to food, medical care, transportation, and housing?
Can it reach family members who live far away?

This time, I will organize things from the perspective of that "exit."

Note: This article touches on several crypto assets, stablecoins, and infrastructure projects such as XMD, Pi, XLM, XRP, XPR, DOVU, JPYC, and KAIA.

If there is anything you are learning about for the first time, please try looking it up on X or their official websites.

However, in the crypto asset space, there are many inflammatory and assertive posts.

Please refrain from buying immediately without doing any research when you see information like:
"This will definitely go up"
"It's over if you don't have this"

"This is the only correct answer"

The purpose of this article is not to recommend specific tokens, but to organize the future financial infrastructure from the perspectives of "entry, identity, stable, and exit."

What will become important from now on is not just "what you hold" but "where you can return it to"

When talking about crypto assets and stablecoins, eyes inevitably turn to price.

Which currency will go up?
Which token is the real deal?
Who will be rewarded for holding which one early?

Of course, that is also important.

But watching recent movements, I think there is a perspective that is even more important than that.

That is,the exit.

The exit I am talking about here does not simply mean "a place to sell and cash out."

Can you return it to a bank?
Can you use it with cards or payment apps?
Can you use it for food, medical care, transportation, and housing?
Can you deliver it to family or relatives?
Can you pass identity verification?
Can you connect it to taxes and living expenses?

Including all of this is what I mean by the exit.

No matter how many assets you have, it is meaningless if you cannot return them to your daily life.

Even if you can send it, it is meaningless if the person who receives it cannot use it.

Even if you have stablecoins, can you return them to a bank, use them for payments, cash them out if necessary, and use them for daily life?

If you don't look at it this far, you will just have numbers on a screen.

That is why from now on,

not just what you hold,
but where you can connect to,
where you can return it to,
I believe these will become important.

Stablecoins will stop being "investment products"

Recently, there has been a lot of talk about stablecoins.

USDC, PYUSD, RLUSD, JPYC, EURAU, XMD.
Various names are coming up.

But the essence of a stablecoin is
not just "a token with a stable price."

It has the potential to become a next-generation payment infrastructure for moving things like remittances, payments, settlements, salaries, benefits, B2B payments, and RWA transactions.

In other words, the problem is

not just "which stablecoin will win."

What is truly important is

which bank you can return it to.

which payment app you can use it with.

which wallet you can receive it in.
which country or regional system it is connected to.
who issues it, who audits it, and who guarantees the redemption.
This is it.
The more stablecoins increase, the next thing that will be needed is



a "connecting mechanism."If each company issues its own digital dollar or digital yen, it will become quite complicated from the user's perspective.USDC is usable, but in another place, it's PYUSD.In Japan, it's JPYC.

In Europe, it's a Euro stablecoin.

Different stables for different financial institutions.
Different liquidity for different chains.
When this happens,

what is needed is a "common transfer station."

Instead of continuing to choose each stablecoin individually, an intermediate layer that aggregates multiple regulated stables and allows you to move between them as needed.
This is where a mechanism like XMD comes in.

A layer that aggregates regulated stables like XMD seems to be aiming exactly for that.

Connecting stablecoins to each other.
Aggregating multiple digital dollars into a single liquidity layer.
Returning to payments, remittances, DeFi, and real-world finance.

This is not just a story about tokens, but a story about exits.

Wallets will become the entry point for new finance

In future finance, wallets will also become important.

When people hear "wallet," many think of it as "a purse to keep crypto assets in."

But the essence is a little different.

A wallet is not a box to store money, but an entry point that shows who you are on the network.

You sign yourself.
You approve yourself.
You connect to the network yourself.

And future wallets may not just be purses that can be used freely, but will be linked to identity verification, systems, taxes, benefits, banks, and payments.

In other words, a wallet is

an entry point for finance,
an entry point for identity,
a point of contact with systems,
and something that connects to an exit for daily life.

I believe it will become like this.

Pi Network's Pi Sign-in and PiVerify also overlap with this trend.

The view of Pi as just a "coin you mine with your smartphone" is no longer sufficient.

Gathering people.
Having a KYC-verified human network.
Logging into external services.
Providing real human verification.
Connecting to local AI and distributed computing.

In other words, it is leaning toward human proof and external service connection in the AI era.

Here too, what is important is not just the price.

Who uses it?
What does it prove?
Which service does it connect to?
What kind of exit is there beyond that?

This is it.

Being able to send is not enough

XLM, XRP, XPR, XMD, METAL, LOAN, Canton, Pi, DOVU, TRUST, HBAR, JPYC, KAIA, and others,

each has a different role.

XLM is a rail that reaches people.
Remittances, aid, stables, salaries, benefits, small payments.

XRP is a rail that carries large liquidity.
International remittances, institutional payments, bridges between fiat currencies, connection with stables.

XPR / WebAuth is an entry point that sees who passes through.
Identity, wallets, KYC, connection to financial apps.

XMD is a transfer station that connects stables.
A common layer that aggregates the increasing number of regulated stables.

METAL / TDBN is a foundation for financial institutions to enter.
A base for banks, credit unions, and fintechs to connect to blockchain finance.

LOAN is a market that creates lending and borrowing.
A layer that moves collateral, loans, borrowing, interest rates, and liquidity.

Canton / CC is a settlement layer for institutional finance.
RWA, financial institutions, transactions with privacy, a place for settlement and clearing between authorized parties.

Pi is an entry point that gathers people and proves they are human.
KYC-verified users, PiVerify, Pi Sign-in, local AI, distributed computing, external service connection.

DOVU is a layer that sees what was executed.
Environmental value, carbon, sustainability, data verification.

TRUST is a layer that sees who had the authority to approve.
Authentication, approval, cancellation, authority history, location of responsibility.

HBAR is a foundation for records and consensus.
Supporting companies, systems, proofs, tracking, and auditable history.

JPYC is a stable that moves in Japanese Yen.
Internal payments, small payments, daily payments, potential for connection with LINE and payment apps.

KAIA is an entry point from daily apps.
A flow to enter stable payments from everyday apps like LINE and KakaoTalk.

Looking at it this way, the role of each currency is different.

It is necessary to look not only at which one wins or loses, but at which place it is responsible for.

I don't think future finance will be completed with just one currency.
And these roles are not fixed either.

Their positioning will change according to the demands of the market, regulations, technology, stablecoins, RWA, and AI.

What is important is not to be fixated on old job descriptions, but to see what demands they are being reconfigured for now.
Here, I have organized them as the main roles visible at this point in time.

A place to gather people.
A place to verify identity.
A place to send money.
A place to move with stables.
A place to record approvals and responsibilities.
A place to return to banks and payment apps.

Multiple layers will overlap.

Among them, what will become truly important is connection options.

If there is no exit, it will not return to aid or daily life.

Disaster relief, war relief, benefits, BI (Basic Income), salaries, benefits.

There is a possibility that these will be distributed using blockchain or stablecoins in the future.

But it is meaningless if you cannot use it after it is distributed.

It was sent.
It arrived in the wallet.

But,

you cannot buy food locally.
You cannot use it for medical expenses.
You cannot use it for rent.
You cannot return it to a bank.
You cannot send it to family.
You cannot use it for taxes.

This does not become aid in the true sense.

In other words, the problem is
not just whether you can send it.

Can you eat?
Can you get examined?
Can you move?
Can you continue to live?

Including all of this is what I mean by the exit.

Therefore, when looking at benefits and aid, I think we must look this far:

What is it distributed in?
Which wallet does it arrive in?
What happens to identity verification?
Are the uses restricted?
Is there a deadline?
Can you send it to others or family?
Can you return it to a bank or cash?
Can you really use it for daily life?

Will it become free money?

Will it become a conditional living voucher?
That is determined not just by the currency itself, but by the exit and rule design.

Banks will not disappear, but will be reconfigured as exits

In the world of crypto assets, it has long been said that "banks will become unnecessary."

But I think it is highly likely that banks will remain with changed roles rather than disappearing completely.

Banks, cards, payment apps, authorized stables, deposit tokens, KYC-verified wallets.

These will become exits to return to daily life.

From crypto assets to stables.
From stables to banks, cards, and payment apps.
From there to food, medical care, transportation, and housing.

I think this flow will become a realistic exit.

In other words, the future may take the form of

not "banks or crypto assets,"

but "entering with a wallet,

moving with stables,
and returning to daily life with banks and payment apps."

What to look at from now on

What we should look at from now on is not just the price.

Which wallet do you have?
Which identity can you pass with?
Which stable can you connect to?
Which bank or payment app can you return to?
Which country or system does it support?
Can you deliver it to family or relatives?
Is there an alternative route if it becomes unusable?

This is it.

I think of this as connection options.

Future freedom will not be determined by the amount held alone.

Rather than how much you hold,

where you can connect to,
where you can return it to,
which exit you have,

I think this will become important.

From an era of looking at crypto assets to an era of looking at financial infrastructure.

And from an era of looking at financial infrastructure to an era of looking at exits that can return to daily life.

We might be at the entry point of that now.

The projects and currencies mentioned in this article are not intended to hype purchases, but rather serve as examples for considering the trends in financial infrastructure.
If any of them interest you, please take a moment to look them up on X or through official sources.
However, since there are many posts that hype or make definitive claims, please refrain from buying anything immediately without doing your own research.