From Holding to Spending: Why PayFi Could Become the Next 100x Narrative — And Why XCP May Be One of the Strongest Contenders
Every crypto cycle has one major explosive narrative. DeFi created yield. NFTs created digital ownership. Meme coins created community speculation. RWA brought real-world assets on-chain. But the next major narrative may be even bigger: PayFi — the bridge between crypto and real-world spending. For years, crypto users have been holding, trading, staking, and speculating. But the next billion users may not enter crypto through trading charts. They may enter through