This is 2025, and many places do not yet support onchain payments. After the passage of the Genius Act ✅, I believe that in addition to setting off a #RWA craze, it will also derive a #Payfi craze! In the midst of #Payfi enthusiasm, we are very optimistic about the #Solayer of the support project of the #SOL ecosystem! Its logic is simple: "Pay on-chain, do off-chain work", and the user experience is as smooth as using a credit card. To put it bluntly, what it does is a UX revolution for on-chain payments. It is not about changing user habits, but about integrating the user's familiar experience (card swiping, code scanning, account sharing, subsidiary cards, etc.) into a payment system on a chain. 1️⃣ On-chain payments are finally like "real payments", not transfers + screenshots • We probably know the traditional on-chain payment path: Send an address -> copy to wallet -> etc. Confirm -> Look up the block -> Screenshot -> "Are you sure you transferred?" #Solayer uses a contract-level payment confirmation mechanism that is not only fast but also embeds rules (e.g., limits, additional cards, spending records). Like what: • My main card is in use, and my family uses the supplementary card to confirm → onchain in real time • My daily consumption → is as smooth as swiping Apple Pay Isn't this the Web3 version of "Alipay"? 2️⃣Onchain First = Truly transparent, composable, auditable Here are the points that #Solayer make me most optimistic: • All transactions are recorded on-chain •Don't worry about centralised payment providers changing their accounts, freezing assets, or hiding fees • It can also be called by other dApps to embed consumption rewards, DeFi, membership systems, etc For example, future scenarios: •I spend → with my card to get automatic cashback of $SOL or $USDC •Corporate meetings to treat guests to dinner → Automatic ledger and accounting, access to DAO reimbursement process. This is an automated process that cannot be achieved under the traditional payment system. I believe that after the stablecoin bill, more financial innovation cases and ways to play will be born, and I look forward to the potential for explosion in the #Payfi field in the future! 🧐