Imagine this: Sending money to your loved one or family member living abroad and he/she receives the money in sub-seconds and at zero cost from the sender. That's the future crypto promised, seamless cross-border payment, instant settlement, but traditional blockchain networks often impose barriers like gas fees and slow confirmation times, hindering mass adoption.
@Plasma , a Layer-1 blockchain optimized for stablecoins, is fixing these barriers and fueling a powerful flywheel of neobank innovation and merchant adoption.
Neobanks (digital first) banks like Revolut or Chime have already disrupted traditional finance by offering seamless apps for banking without branches. Plasma takes this a step further with crypto-native neobanks, exemplified by its own Plasma One app, launched in September 2025.
Plasma One is a global stablecoin neobank that bundles high-yield savings (10%+ on USDT balances), instant transfers, and spending tools into one app. Users can onboard easily, receive a virtual or physical card with 4% cashback, and pay directly from their stablecoin holdings.
Merchant Adoption Ongoing:
Merchants have long shied away from crypto adoption due to volatility, high fees, and slow settlements. Plasma flips the game by enabling scan to pay experiences that mirrors traditional card payments.
Imagine a customer at a book shop scanning a QR code, authorize a USDT transfer through their wallet or neobank app, the relayer submits it, and the merchant receives funds in sub-second. Settled irrevocably on-chain, no 2% fee cut, completely peer to merchant transfer. No transaction fee.
Plasma $XPL layer 1 blockchain is indeed building the future solution of stablecoin payment and many people ain't talking about this.
What's your experience like using stablecoins (USDT, USD1, USDC) for payment?
