What's Missing
Why Crypto Is Still Too Hard, Too Complex, and Too Far From Daily Life
January 14, 2026
Think about what's missing in this world. This is not a feature list, but an honest look at what's broken in the current crypto experience.
1. The Core Problem: Sovereignty Exists, But It's Not Usable
We believe the world is entering an era of individual sovereignty.
But today, that sovereignty is only accessible to a few:
Self-custody is too hard
Operations are too complex
The cost of mistakes is too high
It can't be used in daily life
The result? Sovereignty becomes "looks free, but actually impossible to use."
2. What's Missing: The Problems That Shouldn't Exist
Problem 1: Send to the wrong chain, lose everything
This happens every day:
"Don't send to Base chain, or your funds will be lost forever."
A user sends USDC to the wrong network. The money is gone. No way to recover it. No customer support. No undo button.
This should not exist.
In any reasonable system, sending money to a slightly wrong address shouldn't mean permanent loss. But in crypto today, it does.
Problem 2: One mistake, total loss
Forgot your seed phrase? Lost your hardware wallet? Clicked a phishing link?
Your entire net worth, gone.
There's no recovery. No second chance. No insurance.
This level of risk is not acceptable for mainstream adoption. People shouldn't need to be security experts just to hold their own money.
Problem 3: Too many chains, too many tokens, too much confusion
Which chain should I use?
What's gas?
Why do I need ETH to send USDC?
What's a bridge? Why did it take 20 minutes?
Why is my balance showing on one app but not another?
Users shouldn't need to understand infrastructure to use money.
Problem 4: Can't be used in real life
Even if you successfully hold crypto:
You can't pay rent with it
You can't buy coffee with it
You can't subscribe to Netflix with it
You can't split a dinner bill with it
Crypto exists on-chain. Life exists off-chain. The two worlds don't connect.
Sovereignty that can't be used in daily life is not real sovereignty.
Problem 5: Security means stress
"Write down these 24 words. Never lose them. Never show them to anyone. If you do, everything is gone."
This is the onboarding experience for self-custody.
Security shouldn't require constant anxiety.
Real security should be structural, built into the system, not dependent on users never making mistakes.
Problem 6: No privacy
All your transactions are on-chain, visible to anyone.
What you bought
Who you paid
How much you have
Where your money came from
Your financial life is an open book.
In traditional finance, at least your bank records are private. On-chain, every transaction is permanently public.
True sovereignty should include choosing who can see your financial information.
3. What Needs to Change
The correct approach is not to ask users to learn more.
It's to hide complexity while preserving control.
Users should only think about:
How much do I want to send?
Who do I want to send it to?
Do I confirm?
The system should handle:
Chain selection
Gas fees
Bridging
Error prevention
Recovery options
Mistakes should be recoverable:
Wrong address? Recoverable.
Wrong chain? Auto-corrected.
Suspicious transaction? Blocked and reviewed.
Daily life should just work:
Pay anywhere
Any token
No friction
No learning curve
4. The Standard We're Aiming For
Send to wrong chain = funds lost
System prevents or auto-corrects
Lose seed phrase = total loss
Multiple recovery options
Need to understand gas, bridges, chains
User just sees "send money"
Can't use in daily life
Works like Apple Pay
Security requires expertise
Security is structural
5. This Is Not a Technical Problem
All of these problems are solvable.
The technology exists. The solutions exist.
What's missing is someone building it the right way, putting user experience first, not blockchain ideology.
Sovereignty shouldn't require a PhD in cryptography. It should just work.
6. What We're Building: Intent-based Everything
We don't make users learn the system. We let users express intent.
What users really want usually comes down to three things:
I want to store my money well (not idle, preferably earning)
I want to spend money (payments should be as natural as breathing)
I want to make fewer mistakes (I don't want technical details to ruin everything)
Therefore, we adopt an Intent-based product approach:
Users only need to say "what I want." The system handles "how to do it best."
Intent-based Pay
Payment is how sovereignty enters daily life.
Imagine this: at a restaurant that accepts Bitcoin, you pull out your phone, scan with stablecoins, and pay in seconds.
You just state intent: "I want to pay X amount to Y"
The system handles everything else:
Routing and settlement
Network differences
Chain selection and bridging
Gas fees
Experience must be minimal: As natural as Apple Pay, but you still control your assets.
Intent-based Earn
In a world of continuous inflation, leaving money idle is itself a loss.
You just state intent: "I want to save this money and generate yield."
The system executes:
Automatically selects suitable strategies under current conditions
Keeps yield and risk within sustainable ranges
Asset ownership always belongs to you
And you can always choose not to deposit. That choice itself is sovereignty.
7. The Path Forward
We don't believe in getting there in one step. But our mission stays the same: reduce friction, not add system complexity.
Truly successful sovereignty migration must be gradual:
Easy to use, hard to fail Users can get started, use it daily, with structural security and recoverable failures
Daily behavior becomes the default Earn, Pay, Reward become part of everyday life
Gradually enhance sovereignty BTC payments, Lightning Network, more chains—assets flow freely, permissionlessly
Users don't need to be forced to upgrade. They can choose how far to go at their own pace.
Independence is not the starting point. Independence is the result.
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