On November 14, Miya Lounge | Episode 4, hosted and sponsored by Nivex, was successfully held on X Space. Centered on the theme “A New Era of Payment: The Fusion of FinTech and Web3,” the session focused on one of the most discussed topics in today’s crypto industry: the rise of crypto payments and their deep integration with financial technology. Guests from exchanges, payment technology companies, media, and RWA institutions explored why this track has become a focal point of the industry in 2024, and the strategic role of payments in the new market cycle.

Throughout this year, from Southeast Asia to the Middle East, USDT and U-card payments have been rapidly adopted in real-world scenarios; many merchants have begun actively accepting—and even preferring—stablecoins. Meanwhile, narratives such as “sovereign individuals,” “on-chain settlement,” and “permissionless payments” have been gaining momentum, making payments one of the central topics in the Web3 discourse. This event took place precisely under this industry shift, giving it strong contemporary significance.

Nivex: From an AI-Driven Exchange to a Globalized Crypto Network

As a featured guest, Becky, Co-Founder and CMO of Nivex, shared in depth Nivex’s forward-looking layout in the Web3 payments direction. She recalled that since 2024, Nivex has entered the market as an exchange, rapidly building brand presence and user adoption through its extensive overseas community foundation, Meme community growth expertise, and broad access to global information channels. After this year’s brand upgrade, Nivex further clarified a dual-core development roadmap—AI-driven strategy trading and multi-ecosystem expansion in Web3—and enhanced its on-chain capabilities through PopChain.

Becky emphasized that payments are not a short-term initiative for Nivex, but a mid-to-long-term system that requires patience, time, and systematic construction. Therefore, Nivex’s current focus is not merely launching payment products, but building a global payment framework that is sustainable, compliant, supervisable, and adaptable to future application scenarios.

The Three-Layer Core of Nivex’s Payment Strategy: Compliance, Multi-Chain, and Scenario Adoption

Becky introduced Nivex’s “three-layer core architecture” for its future payment system.

1. A compliance-driven global payment network.She stressed that any crypto-financial infrastructure aiming for mainstream adoption must be compatible with regulatory environments across global jurisdictions. Nivex is therefore advancing licensing plans in multiple countries, enabling users to buy or sell digital assets freely with local fiat currencies and ensuring compliant global circulation. For an emerging exchange, this requires long-term investment—but it reflects Nivex’s commitment to future payment infrastructure.

2. Unified multi-chain value settlement.With PopChain’s EVM-compatible architecture as the foundation, Nivex aims to build a cross-chain, fast, low-cost, and stable payment mechanism. Regardless of which chain or country users are in, they will be able to exchange value with minimal friction. This is not only a technical challenge but also one of user experience and trust. Becky noted that Nivex has already launched PopChain cross-chain functionality and will continue strengthening its infrastructure in areas such as Swap and on-chain payments.

3. Prioritizing native Web3 scenario deployment.Rather than treating payments as an isolated product, Nivex embeds them into growing Web3 ecosystems. For example, within BETV’s on-chain livestreaming and short-video environments, tipping, creator incentives, and community education payments will use on-chain settlement, forming real usage loops. Nivex’s AI copy-trading business will also generate new payment needs—such as strategy revenue-sharing and flow of returns—further accelerating Web3 value circulation.

Overall, Becky emphasized that Nivex’s differentiation does not lie in any single product, but in the synergistic ecosystem of AI, trading, blockchain, content, and payments. Together, these form a sustainable value network—the true foundation of future payment systems.

Guest Insights: Completing the Payment Revolution—from Technology to User Emotion

Beyond Nivex’s presentation, other guests contributed key perspectives across identity infrastructure, enterprise payments, emotional flows, and merchant adoption.

Dr. Wei Huang from Blockiot highlighted that the core challenge of enterprise-level payments lies in the disconnect between on-chain identity systems and traditional financial identity structures. On-chain DID and banking IDs are fundamentally incompatible, especially with the absence of enterprise-grade DID, leading to massive compliance and risk-control costs in cross-border payments. Meanwhile, fragmented financial data and privacy risks make privacy-preserving computation the most critical FinTech infrastructure over the next 3–5 years. He emphasized that both enterprises and regulators will require this foundational layer.

In consumer-side scenarios, “emotional flow” became a standout keyword.

Crypto Queen Champion Xiaoqingyu noted that the advantages of Web3 payments go beyond transparency, disintermediation, and 24/7 settlement—they also create new economic models for livestream tipping, creator incentives, and Meme community gamification. She believes these will become the earliest breakout consumer scenarios for Web3 payments.

Xia He, founder of “Faces of Crypto,” added that the rise of U-cards this year comes from real-world demand in Southeast Asia and Singapore, and that new technical narratives such as the X402 protocol will spur a fresh wave of startups, making payments one of this year’s most promising blue-ocean tracks.

Regarding the practical challenge of merchant adoption, Katherine, Co-Founder of MatrixRWA, provided a grounded analysis. She pointed out that barriers preventing crypto payments from entering offline and cross-border merchant environments are not technical limitations but trust costs and adoption habits. Stablecoin volatility, incompatibility between merchant systems and on-chain ledgers, and differences in cross-border regulations and taxation all create friction. Therefore, real mainstream adoption requires balancing user experience, settlement, risk control, and compliance—not simply relying on “faster and cheaper” on-chain advantages.

Michael, sharing from an exchange’s perspective, noted that payments are a strategic battleground for all exchanges because they determine whether new users will enter the market and whether users trust a platform enough to complete the final step—withdrawing assets securely. Exchanges have advantages such as real-time conversion, FX hedging, custodial security, risk control, and settlement networks, placing them at the center of payment adoption. Once the “last mile” of payments is solved, exchanges will unlock significant new user growth.

Nivex’s Answer: Advancing Payments from “Usable” to “Trustworthy”

The discussions revealed that whether it's enterprise-side identity and privacy challenges, consumer-side emotional-driven scenarios, or merchant-side adoption and regulatory requirements—everything points to one truth: payments are a systemic infrastructure, not merely a feature.

On this front, Nivex’s strategic direction is exceptionally clear. Instead of rushing to launch a single payment product, Nivex operates under principles of sustainability, compliance, and scalability—first establishing core competitiveness through AI-driven trading, then building real usage scenarios via PopChain, blockchain ecosystems, and BETV content, and finally launching a mature global payment system once licensing, multi-chain settlement, and risk control capabilities are ready.

In closing, Becky stated:

“When code becomes trustable, and payments become verifiable, the true fusion of FinTech and Web3 is only just beginning.”

This sentence not only summarized the dialogue but also represented Nivex’s direction toward the future of payments.