Why Crypto Platforms Want to Become Your Everyday Money App

At TOKEN2049 in Singapore, Martin Masser, ChangeNOW’s director of strategic partnerships, described in an interview crypto platforms’ efforts to become super apps that combine trading with payments and borrowing, as estimates put at least $401 billion in stablecoin payments in the first eight months of 2026. Masser said token swaps can be infrequent, so balance checks and past transactions can bring users back, much as banking apps do. Kaiko’s 2026 research describes exchanges expanding into broader financial platforms that connect trading balances with yield and spending services. Payment volume was estimated to be up 42% year over year, with businesses receiving 58% to 64% of it.