What do I think is the most promising about Morph?
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I initially paid attention to Morph because I was optimistic about its payment system; Morph Pay. In simple terms, it’s like an on-chain Alipay and bank card, but it runs on the Morph public chain!
It is the direct entry point for users in the Morph ecosystem, while another core product, Morph Rails, is an on-chain Stripe for merchants and developers. Together, they form a complete on-chain payment ecosystem.
What can Morph Pay do?
※ Instant card issuance: Complete KYC in the APP, and you can get a crypto payment card in minutes, usable both online and offline.
※ Multi-currency integration: Stablecoins like USDC, xSGD, xEUR, and fiat currencies are combined into one balance for direct use.
※ Earn while you spend: The money deposited can run on on-chain yield strategies, with an annualized return of up to 30%, while your balance continues to grow as you spend.
※ Low-fee payments: Cross-currency and cross-border transfers with almost zero slippage, and FX fees as low as 0.05%.
※ Online experience: The interface is similar to mainstream financial apps like Revolut and Venmo, with points, cashback, and 24/7 customer service.
※ Black card benefits: Link your Morph Black Card to enjoy zero FX fees and various VIP privileges.
Is it safe and reliable?
※ Assets are custodied with licensed institutions.
※ KYC/AML is done by Sumsub + Chainalysis.
※ All transactions are traceable on-chain, ensuring transparent settlement.
My opinion?
The biggest highlight of Morph Pay is that it brings traditional financial experiences on-chain, with added yields and low fees, and the entire Morph ecosystem hasn’t even had its TGE yet! Positioning now is about getting ahead, as when the ecosystem expands, Morph Pay could be the first step for ordinary users to engage with the blockchain!
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