PayFi Revolution: A New Era for the Time Value of Money

3/21/2025, 8:58:56 AM
PayFi (Payment Finance) is an innovative model that combines payment features with financial services using blockchain technology and smart contracts. PayFi uses blockchain as a settlement layer at its core, merging Web3 payments with decentralized finance (DeFi) to enable smooth, efficient value transfers. PayFi aims to fulfill the Bitcoin whitepaper's vision: creating a peer-to-peer electronic cash payment network that doesn't need trusted third parties while using DeFi's capabilities to build a new financial ecosystem.
Author: Sonia
Translator: Sonia
Reviewer(s): Edward、Piccolo
Translation Reviewer(s): Ashley、Joyce
* The information is not intended to be and does not constitute financial advice or any other recommendation of any sort offered or endorsed by Gate.
* This article may not be reproduced, transmitted or copied without referencing Gate. Contravention is an infringement of Copyright Act and may be subject to legal action.

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Cosmoverse in Split
Cosmos will host Cosmoverse 2025 in Split, Croatia, on October 30 – November 1, bringing together blockchain developers, ecosystem contributors, and policy experts for three days of panels, workshops, and networking.
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Ripple Swell 2025 in New York
Ripple announced that its flagship event, Ripple Swell, will return to New York on November 3rd-5th.
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Blockchain Futurist Conference in Miami
Bone ShibaSwap will participate in the Blockchain Futurist Conference in Miami on November 5 to 6.
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Cardano schedules Battle of the Builders for November 11, a live pitch event for projects building or planning to build on Cardano. The top three teams will win prizes, with applications open until October 3.
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2025-11-10
AMA on X
Sushi will host an AMA on X with Hemi Network on March 13th at 18:00 UTC to discuss their latest integration.
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