25 July 2025, 09:12 AM
On July 24, the latest global on-chain user survey released by Reown revealed that stablecoin holders now account for 38% of users, surpassing SOL holders at 37% for the first time. This signals that cryptocurrencies are rapidly shifting from speculation toward practical use cases such as payments. Bitcoin and Ethereum still command 48% of the user base, with on-chain trading making up 36% and payments jumping to 10%. Additionally, 14% of participants view payments as the most anticipated future application. In response to this trend, PBOGA has swiftly adjusted its product roadmap, comprehensively optimizing stablecoin trading depth and payment interfaces to meet the fastest-growing user demand.
![[Image: d7707fc7.png]](https://mataroa.blog/images/d7707fc7.png)
PBOGA leverages multi-chain aggregation routing and a proprietary matching engine to reduce the average transaction latency for core stablecoin pairs such as USDT and USDC to the millisecond level, continuously minimizing slippage. Traders can rapidly switch positions with stablecoins in volatile markets, reducing risk, while merchants can rely on open APIs to accept on-chain payments and settle in real time, unconstrained by geography.
PBOGA employs an independent cold, warm, and hot wallet system, MPC threshold signatures, and real-time risk control models, strictly enforcing fund segregation and smart contract audits to ensure user asset security. For payment services, the platform has deployed an AI-driven address reputation assessment system to proactively intercept suspicious addresses and enhance compliance transparency.
Whether for professional traders using advanced order books or beginners utilizing quick-swap interfaces, PBOGA streamlines all core operations to within three steps. A lightweight mobile interface is provided, and a multilingual customer service team offers 24/7 instant support.
The Reown report suggests that cryptocurrency is entering a phase driven by practical value. In line with this trend, PBOGA places stablecoins and payment functions at the strategic core, working with global developers and merchants to build an open ecosystem. This enables cryptocurrencies to become part of everyday life and unleashes the next wave of growth in the on-chain economy.
Over the next twelve months, PBOGA plans to launch fiat on/off-ramp channels, prioritizing key markets in Southeast Asia and Latin America. By partnering with licensed payment institutions, the platform will introduce stablecoin-based accounting and settlement solutions, offering instant clearing services for cross-border e-commerce, freelancers, and game publishers. PBOGA is also advancing a blockchain-native credit scoring model and collaborating with lending protocols and prepaid card issuers to expand the use of cryptocurrencies in consumer finance scenarios. PBOGA believes that a stablecoin-centric payment network will become a vital complement to traditional payment systems, accelerating the efficiency and fairness of global value flows.
PBOGA leverages multi-chain aggregation routing and a proprietary matching engine to reduce the average transaction latency for core stablecoin pairs such as USDT and USDC to the millisecond level, continuously minimizing slippage. Traders can rapidly switch positions with stablecoins in volatile markets, reducing risk, while merchants can rely on open APIs to accept on-chain payments and settle in real time, unconstrained by geography.
PBOGA employs an independent cold, warm, and hot wallet system, MPC threshold signatures, and real-time risk control models, strictly enforcing fund segregation and smart contract audits to ensure user asset security. For payment services, the platform has deployed an AI-driven address reputation assessment system to proactively intercept suspicious addresses and enhance compliance transparency.
Whether for professional traders using advanced order books or beginners utilizing quick-swap interfaces, PBOGA streamlines all core operations to within three steps. A lightweight mobile interface is provided, and a multilingual customer service team offers 24/7 instant support.
The Reown report suggests that cryptocurrency is entering a phase driven by practical value. In line with this trend, PBOGA places stablecoins and payment functions at the strategic core, working with global developers and merchants to build an open ecosystem. This enables cryptocurrencies to become part of everyday life and unleashes the next wave of growth in the on-chain economy.
Over the next twelve months, PBOGA plans to launch fiat on/off-ramp channels, prioritizing key markets in Southeast Asia and Latin America. By partnering with licensed payment institutions, the platform will introduce stablecoin-based accounting and settlement solutions, offering instant clearing services for cross-border e-commerce, freelancers, and game publishers. PBOGA is also advancing a blockchain-native credit scoring model and collaborating with lending protocols and prepaid card issuers to expand the use of cryptocurrencies in consumer finance scenarios. PBOGA believes that a stablecoin-centric payment network will become a vital complement to traditional payment systems, accelerating the efficiency and fairness of global value flows.