Optimisus

PWC telah menjadi dompet pembayaran kripto non-kustodian pertama yang secara resmi diakui oleh ASEAN Records dan Asia Records.

Ini bukan sekadar berita.
Ini adalah awal dari era baru.
Dan semua orang tahu itu—Ini bukan akhir.
Ini adalah momen ketika PayWithCrypto benar-benar tercatat dalam sejarah.
Karena pada malam ini, kami menyaksikan titik balik:
PWC sekarang adalah dompet pembayaran kripto non-kustodian pertama yang secara resmi tercatat dan diakui di ASEAN dan Asia.
PWC ONE bukan sekadar makan malam tahunan.

Enjin, pelopor dalam pengalaman metaverse dan token yang tidak dapat dipertukarkan (NFT), hari ini meluncurkan Essence of the Elements, sebuah inisiatif Multiverse yang dibangun di sekitar kepemilikan pemain sejati dengan item dalam game yang dapat digunakan, diproses, dan diperluas di berbagai game. Alih-alih menjadi suatu acara dalam game tunggal, Essence of the Elements membangun model di mana pemain benar-benar memiliki item mereka, membawanya antara dunia yang berbeda, dan meningkatkan nilainya melalui permainan lintas game.
Melalui Dashboard Multiverse Enjin, pemain menghubungkan dompet game mereka untuk mengakses sistem progresi bersama yang mencakup beberapa judul. Dengan menyelesaikan misi dan tantangan di berbagai game, pemain mendapatkan Essence dan membuka item baru yang berkembang melampaui satu game, menciptakan kumpulan koleksi Multiverse yang terus berkembang. Setiap musim—Api, Air, Angin, dan Bumi—menambahkan peluang baru untuk memperluas utilitas suatu item dan membuka item Multiverse tambahan melalui permainan di berbagai lingkungan game.

Check Point Research mengungkapkan bahwa kelompok ancaman berkelanjutan yang canggih asal Korea Utara (APT), KONNI, telah menargetkan pengembang blockchain di Jepang, Australia, dan India. Para peretas menggunakan backdoor PowerShell yang dihasilkan oleh AI.
Menurut laporan yang dirilis pada 21 Januari 2026, serangan dimulai ketika KONNI menggunakan Discord untuk menawarkan tautan yang mendorong pengembang untuk mengunduh file ZIP. Arsip ini berisi elemen yang memulai proses infeksi multi-tahap pada komputer korban.
File ZIP tersebut mencakup pintasan Windows dan file PDF yang tampaknya otentik. Pintasan Windows memulai skrip yang meluncurkan skrip PowerShell dalam memori, menghasilkan tugas terjadwal, dan membongkar file-file lain. Skrip ini kemudian terhubung ke server di bawah kendali para penyerang, menciptakan backdoor permanen pada sistem yang terkompromi.

Protokol Tezos telah berhasil ditingkatkan, mengikuti proses tata kelola on-chain dengan partisipasi luas dari bakers (validator) dan anggota komunitas.
Dikembangkan oleh Nomadic Labs, Trilitech, dan Functori, Tallinn adalah peningkatan protokol ke-20, menandai 20 evolusi blockchain Tezos, yang diusulkan, diadopsi, dan diaktifkan dengan mulus oleh protokol itu sendiri.
“Beradaptasi dengan permintaan pasar 20 kali dalam 7 tahun tanpa gangguan jaringan, dan dengan cara yang sepenuhnya terdesentralisasi, adalah bukti nyata dari keandalan Tezos dan desain yang tahan masa depan,” kata Yann Régis-Gianas, Kepala Teknik di 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, sistem stablecoin chain-abstraksi pertama yang dirancang untuk menghubungkan aset, likuiditas, dan hasil di seluruh ekosistem, hari ini mengumumkan investasi strategis sebesar $8 juta dari TRON DAO Ventures.
River akan menerapkan infrastruktur stablecoin chain-abstraksinya dan memperluas integrasinya di seluruh ekosistem TRON, memperkuat posisi TRON sebagai jaringan blockchain terkemuka untuk aktivitas stablecoin.

River akan memungkinkan aset dan likuiditas lintas ekosistem untuk memasuki ekosistem TRON melalui infrastruktur stablecoin chain-abstraksi. Integrasi ini akan lebih mempercepat aliran likuiditas lintas ekosistem ke dalam TRON, memperluas akses ke salah satu jaringan blockchain terbesar di dunia.