Crypto cards are bullish crypto as they use blockchain blockspace as P2P payments do:You buy a banana via Ready card? That’s a tx on Starknet.The card finally gave Ready wallet (ex-Argent) a PMF but as Pavel points out they need to lock-in card users into their ecosystem.But most cards have no moat and will fade. No biggie: you can withdraw funds as many support self-custody.Etherfi is indeed unique and the one with the moat. Mantle’s UR is promising too.But also those that manage to build underlying networ ...

Core Insights - PayPal has launched a new peer-to-peer payment service called PayPal links, allowing users to send and receive funds via personalized, one-time links that can be shared in various communication channels [2][3][4] Company Developments - The new service enables users to create unique links after entering payment details in the PayPal app, which can be shared through texts, emails, or chat [3][4] - Each link is designed for one-time use and expires after 10 days if unclaimed, with funds being immediately accessible [4] - The service is currently available for PayPal users in the U.S., with plans for expansion into the U.K., Italy, and other markets [4] Industry Trends - Peer-to-peer payment platforms are increasingly popular, especially among younger consumers who favor quick and seamless transactions [5][6] - Research indicates that 53% of consumers aged 18-25 and 50% of those aged 26-41 use P2P apps more frequently due to economic pressures like inflation, contributing to a 27% growth in platforms like Zelle [6] - The rise of P2P payments has led to the emergence of the super app trend, with companies integrating these payment services into their offerings, as 70% of consumers, particularly higher-income individuals, show interest in using super apps [7]

P2P Payments & Remittances - Stablecoins are transforming peer-to-peer payments and remittances [1] - Stablecoins are significantly reducing fees for a $200 transfer [1] - Banks charge 12.66% for a $200 transfer, MTOs charge 5.35%, and mobile carriers charge 3.87%, while stablecoins fees are near zero [1]

Product Introduction - PistachioFi is introduced as an app designed to keep money safe and earning automatically [1] Key Features - Free, instant P2P payments are offered [2] - Optimized yield earning is available, stated at 10.5% [2] - Low-fee, cross-chain swaps are provided with a fee of only 25 bps (0.25%) [2] Marketing - A chance to win $100 is offered to users who drop their Pistachio username [2]

Market Position - Polygon leads in market share for small payments [1] - Polygon is gaining market share in medium payments [1] Usage & Adoption - Polygon is used for everyday, low-fee P2P payments [1] - Polygon is used for trusted, regular financial activity [1] Recommendation - The industry should look to Polygon for default payments rails [1]