PolyFlow AMA PayFi Spotlight | 2025 PayFi Outlook with Bitget and Scroll
PayFi and DeFi: Shaping the Future of Global Finance
On January 2, PolyFlow hosted its first AMA of 2025 with industry experts Gracy, CEO of Bitget; Sandy, Co-founder of Scroll; and Raymond, Founder of Geoswift, Co-founder of PolyFlow. The discussion centered on the transformative role of Payment Finance (PayFi) and Decentralized Finance (DeFi) in modernizing global finance, bridging traditional systems, and navigating regulatory challenges.
From real-world applications to emerging opportunities, the panelists shared actionable insights into how these technologies are creating a more connected and efficient financial ecosystem.
What is PayFi, and Why Does It Matter?
PayFi represents a major step toward merging blockchain’s advantages with the accessibility of traditional financial systems. It offers faster transactions, lower costs, and a level of transparency that existing infrastructure struggles to match. But PayFi’s real value lies in its ability to integrate with the payment habits of everyday users while leveraging blockchain technology under the hood.
Gracy emphasized Bitget’s role in pushing PayFi adoption forward. She highlighted how their card solution combines the ease of traditional payment systems with the benefits of crypto settlements. For Gracy, this convergence isn’t just about technology — it’s about creating seamless experiences for users and showing them what crypto can do in practical terms.
Sandy brought a different perspective, pointing out how PayFi can unlock new efficiencies in industries like trade finance. She discussed how businesses can use blockchain for liquidity management and hedging, while also reducing the costs and delays associated with traditional cross-border payments. For Sandy, PayFi’s ability to merge decentralized technology with traditional systems could bring blockchain closer to mainstream adoption.
Raymond zoomed out a bit further, exploring how PayFi addresses inefficiencies baked into legacy banking. Traditional systems often require multiple intermediaries to process transactions, resulting in delays and higher costs. PayFi eliminates those bottlenecks by offering direct, transparent fund flows.
PayFi and DeFi’s Role in Financial Empowerment
PayFi and DeFi is flipping traditional finance on its head. By removing intermediaries, DeFi gives users direct access to financial tools like lending, borrowing, and trading. DeFi is more than just a disruption — it’s an invitation to participate in a financial system that prioritizes accessibility and user control.
Raymond shared insights into how crypto is solving some of the inefficiencies traditional systems can’t. By enabling direct peer-to-peer transactions, PayFi simplifies fund flows and reduces costs. He pointed to PolyFlow’s Payment Liquid Pool (PLP) as an example of how PayFi can offer scalable solutions for global financial challenges.
Gracy spoke about how DeFi empowers users to take ownership of their assets. Without the need for centralized intermediaries, users have greater autonomy. However, she also flagged the challenges. Smart contract vulnerabilities, user errors, and the steep learning curve for newcomers remain barriers to widespread adoption.
Sandy delved deeper into the smart contract risks within DeFi and addressed how to minimize such types of risk. Tools like AI are starting to reduce those barriers. For instance, platforms like Scroll have introduced AI-driven tools such as Tempest that simplify portfolio management. These tools automatically calibrate risk levels and optimize investments, removing the manual effort traditionally required in DeFi. She explained that such innovations are critical for making DeFi more inclusive and reducing barriers for users who lack technical expertise.
The Compliance Balancing Act
Compliance is an inevitable part of the financial world, and the blockchain space is no exception. The panelists discussed the complexities of meeting regulatory requirements while maintaining the core principles of decentralization and innovation.
Gracy emphasized that regulators are particularly focused on tracking the source and purpose of funds in transactions. She noted how Bitget works to align with these expectations by adhering to Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements. These measures not only build trust but also ensure the platform can operate smoothly in regulated environments.
Raymond provided additional perspective, describing how compliance is often a learning process for regulators themselves. He shared how PolyFlow leverages tools like Payment ID (PID) to address regulatory concerns without compromising user privacy. PID enables merchants and regulators to verify essential transaction details — such as whether a user is eligible to perform a specific action — without disclosing unnecessary personal data.
The panelists agreed that clear regulatory frameworks are essential for fostering innovation in blockchain. While compliance can sometimes feel restrictive, Gracy and Raymond highlighted the importance of building trust through proactive engagement with regulators. By providing transparency and ensuring security, projects like Bitget and PolyFlow aim to bridge the gap between innovation and compliance.
Looking Ahead: Driving Adoption and Building Connections
As the panelists closed the AMA, they shifted their focus to the practical steps needed to bring PayFi and DeFi to a broader audience. Beyond addressing technical and regulatory hurdles, they emphasized the importance of user engagement and strategic marketing in fostering adoption.
Sandy addressed audience questions regarding marketing strategies, focusing on education as a cornerstone of effective marketing. She emphasized that for PayFi and DeFi to succeed, users must understand the value these technologies bring to their daily lives. Whether through referral programs or content tailored to specific user groups, she argued that simplifying complex concepts is key. Sandy also noted that incentives, such as cashback programs or AI-driven tools for managing risk, can play a significant role in encouraging users to explore blockchain solutions.
Gracy offered insights into how Bitget approaches the evolving space. She stressed that marketing isn’t just about creating visibility; it’s about launching products that resonate with users. Gracy also highlighted the importance of partnerships with payment networks and local merchants to expand PayFi’s reach, ensuring that users can easily adopt and trust these new technologies.
Raymond rounded out the discussion by reflecting on the importance of collaboration and long-term planning. He highlighted PolyFlow’s strategy of building tools like Payment ID (PID) that address immediate market needs while laying the groundwork for a more integrated financial ecosystem. He emphasized the need for blockchain projects to remain adaptable as the industry evolves, balancing innovation with usability and compliance.
The panelists agreed that the future of PayFi and DeFi will depend on their ability to connect with users, build trust, and deliver meaningful value. By focusing on collaboration, education, and user-centric design, they see blockchain as a transformative force capable of reshaping global finance for the better.
Conclusion
The January AMA highlighted PayFi and DeFi’s transformative potential to create a more efficient, inclusive, and transparent financial ecosystem. While challenges like compliance and technical risk remain, the panelists showed how collaboration, innovation, and education can help overcome them. As blockchain matures, its ability to redefine global finance and democratize access to financial tools will only grow.
For PolyFlow, the mission is clear: build solutions that connect traditional systems with blockchain, making every transaction count. With leaders like Gracy, Sandy, and Raymond at the forefront, the future of finance isn’t just digital — it’s collaborative, inclusive, and unstoppable.
Stay tuned to PolyFlow for more updates as we continue shaping the future of PayFi and DeFi.
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