The most revealing aspect of the crypto market is right here. Retail investors flock to various concept coins that experience rapid surges, while ignoring projects that silently accumulate TVL behind the scenes and truly transform financial infrastructure. This phenomenon is actually easy to understand: most people in the trading market don't care about the underlying assets themselves; they focus on K-line trends. If there's no upward movement today, they assume the project has no future.



But rational observers will notice another layer of logic. The pain points in the cross-border payment sector are widely felt. Under traditional banking systems, international remittances are not only charged by multiple intermediary institutions but also take three to five days to settle. The SWIFT system now appears somewhat outdated, with various transit banks taking their cut. This inefficiency is starkly contrasted in the era of mobile internet.

Some projects are addressing this issue from a technological perspective. Through innovative cross-chain technology applications, they have reduced transaction fees by an order of magnitude, nearly eliminating remittance costs. When an industry’s efficiency is upgraded to this level, it’s no longer just an improvement—it's a complete paradigm shift.

The financial market has a characteristic: perception always lags behind true value. By the time most people realize it, the project has already quietly accumulated value.
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Rekt_Recoveryvip
· 7h ago
ngl this hits different after i got liquidated chasing pump coins lmao... the real builders are always the ones nobody talks about til it's too late 💀
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LiquidityNinjavip
· 7h ago
That's right, most people only follow the candlestick charts, while true value builders have already been quietly making money.
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MEVHuntervip
· 7h ago
Well said, the projects that optimize gas fees to the extreme are indeed quietly accumulating TVL, and on-chain data can't hide it at all. The problem is that most people haven't even looked at the arbitrage opportunities in the mempool... this is the real secret to wealth.
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BearHuggervip
· 7h ago
That's right, most retail investors are just gamblers with a mindset of chasing gains and cutting losses, like leeks being harvested. Cross-chain payments do have opportunities, but the problem is how to find projects that are actually doing the work; the information gap is too large. SWIFT indeed should retire, but completely replacing it? That's not easy, and regulation is a big hurdle. Wait, are you saying that those who are quietly accumulating now are the real winners? Then am I always chasing the wrong things... The statement about cognitive lag is quite harsh; it feels like I've been cut again.
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quiet_lurkervip
· 7h ago
There's nothing wrong with that, but how many retail investors can really hold onto these boring projects? Anyway, I haven't seen many. Cross-chain payments have indeed solved a major pain point, but unfortunately most people don't understand the true value of this technology. Will they realize it in time? By then, it's already too late—this is the fate of retail investors. No matter how high the TVL stacks up, without a K-line rally, it's all pointless; the market is just that realistic.
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ContractCollectorvip
· 7h ago
To be honest, most people are just gambling and don't understand what value investing really means. The real opportunities are already ambushed by those who know. SWIFT, this old relic, should indeed be phased out; it will be too late once everyone wakes up. Retail investors are always chasing highs, while institutions have already accumulated chips at low levels. Cross-chain payments are truly a blue ocean; it all depends on who can survive until the end. Differences in cognition are always the biggest arbitrage opportunities, but unfortunately most people can't see through it. TVL is the real thing; candlestick charts are illusions. Efficiency upgrades to this extent are a dimensionality reduction attack; traditional finance should be worried. By the time the wind rises, there are no cheap goods left.
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