Lesson 3

Gate Pay Brings Crypto Payments into Everyday Life

Welcome to the third lesson in this series. In the first two lessons, we explored the evolution of crypto payments from concept to technology—from value storage to value circulation, from the bottlenecks of traditional systems to breakthroughs in on-chain payments. In this lesson, we will focus on a case that is turning theory into reality: Gate Pay.Gate Pay is more than just a payment tool; it is an experiment that truly brings on-chain assets into daily life. Through deep integration with official payment networks in various countries, Gate Pay is reshaping how cryptocurrencies are used: from investment assets to everyday payment mediums. From cafes in Vietnam to supermarkets in Brazil, more and more merchants and users are experiencing this payment revolution.

A Global Experiment in On-Chain Payments

For crypto payments to truly enter daily life, the key lies in connection—connecting on-chain assets with real-world merchants, connecting technology with regulation, and connecting users with experience.

Gate Pay’s National QR code feature is the core breakthrough in this connectivity.

Its innovations include:

Deep integration with local payment networks in various countries, rather than operating in isolation
Users can complete payments using familiar QR code interfaces
Stablecoins (USDT, USDC) serve as bridges, eliminating the need for currency exchange or bank processing delays
Already launched in Vietnam and Brazil, covering over 17 million merchants, building a truly global payment ecosystem

This initiative not only marks the transition of on-chain payments from the experimental phase to everyday use but also represents the first large-scale embedding of Web3 technology into mainstream payment networks.

Vietnam Case: On-Chain Payments Enter Daily Life

In Vietnam, Gate Pay has successfully integrated with the official payment system VietQR and partnered with the well-known department store brand AEON to create a showcase for crypto payments.

Highlights of the rollout:

Users pay directly with USDT or USDC by simply scanning a QR code
No need to exchange to Vietnamese Dong, no waiting for bank settlement
Crypto payments are supported from street-side cafes to large shopping malls
The entire transaction process is completed on-chain, with transparent and real-time verifiable settlement

This scan-to-pay experience makes cryptocurrency a truly spendable asset. It breaks the stereotype that crypto assets can only be held but not used, and injects new momentum into the digital economy development in Southeast Asia.

Brazil Case: Instant On-Chain Settlement

In the Latin American market, Gate Pay’s breakthrough comes from integration with Pix, Brazil’s central bank-led instant payment system.

Pix features:

170 million users and 15 million merchants
Brazil’s most widely adopted official digital payment network
Supports instant receipt and 24-hour settlement

Gate Pay’s integration advantages:

Users can pay directly with cryptocurrency via the familiar QR interface
Supports diverse scenarios such as tuition payments, bills, and shopping
On-chain settlement is completed in real time without manual confirmation or cross-border intermediaries
Realizes the everyday use of Web3 payments, truly bridging wallets and reality

This is not just a technological implementation but a symbol of the fusion between Web3 and traditional financial systems.

AI Smart Settlement: Combining Efficiency and Security

Gate Pay’s National QR code feature is not just a payment interface but an AI-driven intelligent payment engine. When users scan the QR code, the AI system automatically completes a series of intelligent judgments and optimizations within seconds.

AI performs three real-time tasks:

Country recognition and regulatory assessment: Automatically identifies the user’s region and matches local compliance requirements
Instant exchange rate conversion and optimal payment path selection: Ensures the lowest payment cost and fastest settlement speed
On-chain automated settlement: Smart contracts complete fund transfers in the background, fully transparent and traceable

Regarding security protection, Gate Pay provides:

End-to-end encrypted transmission: Ensures payment data cannot be intercepted
Real-time risk control system: Proactively detects suspicious transaction behaviors
On-chain verifiable records: Every transaction can be traced, audited, and verified

Users can complete secure and precise payments in the shortest time while enjoying protections comparable to traditional banking standards.

The Journey from On-Chain to Everyday Life

Gate Pay’s significance lies not only in making crypto payments usable but also in choosing integration over confrontation. It does not attempt to replace traditional finance but enables Web3 and local payment systems to develop collaboratively.

Gate Pay’s practice turns the concept of everyday crypto payments into reality. Whether at convenience stores in Vietnam or university campuses in Brazil, people are witnessing blockchain technology entering the daily economy through repeated scan-to-pay experiences. Gate Pay makes crypto payments no longer just a technological slogan but a financial revolution everyone can participate in. It bridges the last mile from on-chain to daily life and paves the way for Web3 to truly reach the masses.