The cryptocurrency industry is quietly shifting. Projects that once focused on building underlying technology are now turning their attention to everyday users' wallets—they are no longer just creating "roads," but building "cars."

According to industry analysis, the core driving force behind this change is clear: users don't need to understand what blockchain is; they just need a user-friendly product. As a result, financial scenarios that are tangible and easy to grasp, such as payments, lending, and stablecoins, are becoming new focal points of competition. Leading projects like Polygon and ether.fi have already sensed this trend, integrating multi-chain asset management, instant payments, yield features, and fiat on/off ramps into a "one-stop" application that offers an experience close to traditional banking.

The key term here is: seamless integration. Imagine an interface that offers DeFi yields, NFT trading, social interactions, and operates as smoothly as Alipay—that's the industry's ultimate vision. However, it must be acknowledged that balancing the preservation of decentralization advantages with providing a seamless experience akin to traditional finance is indeed a challenge. The current market is flooded with crypto cards and payment products, leading to intense homogenized competition. Those who can create innovative and practical products will be the ones to stand firm in this reshuffle.