People prefer digital banks over crypto wallets: Can a 9% return on holdings change reality? 완벽가이드
People prefer digital banks over crypto wallets: Can a 9% return on holdings change reality?
암호화폐/블록체인 전문 정보
Digital wallets won the payments war. By mid-2025, around 65% of US adults used them, accounting for 39% of e-commerce and 16% of in-store transactions. Apple Pay and PayPal are boring infrastructure now, the default way millions move money without thinking about it. Web3 wallets are not. A Septembe
핵심 특징
고품질
검증된 정보만 제공
빠른 업데이트
실시간 최신 정보
상세 분석
전문가 수준 리뷰
상세 정보
핵심 내용
Digital wallets won the payments war. By mid-2025, around 65% of US adults used them, accounting for 39% of e-commerce and 16% of in-store transactions. Apple Pay and PayPal are boring infrastructure now, the default way millions move money without thinking about it. Web3 wallets are not. A September Mercuryo and Protocol Theory study of 3,428 US adults found that only 13% consider crypto wallets intuitive, and just 12% say they fit naturally into how they manage money. For comparison, 75% and 64% say the same about traditional digital wallets. The gap is not marginal, but is structural.
상세 분석
Most Americans have never seen a Web3 wallet in real life, and this week saw two direct attempts to close that gap. Aave launched a savings app offering up to 9% APY with balance protection, with a $1 million limit. Meanwhile, Mastercard expanded its Crypto Credential system to self-custody wallets on Polygon, replacing hex addresses with verified usernames. Both borrow heavily from mainstream finance UX, high-yield savings accounts, KYC-verified aliases, and both bet that making DeFi feel less foreign will pull in the wallet-curious majority still sitting on the sidelines. The question is whether better UX alone can move a 13% intuitiveness score, or whether the problem runs deeper than interface polish and headline yields. The perception problem The Mercuryo data shows wallets stratified by income and familiarity. More than half of Americans earning over $100,000 now own crypto, compared with roughly one in four earning under $40,000.
정리
Higher earners are nearly three times more likely to use self-custody wallets. Lower-income users cluster in transactional corridors, such as remittance corridors and Bitcoin ATMs, where fees can reach 15% to 20%. The researchers frame this as crypto quietly entrenching inequality rather than solving it. That skew matters because it reveals Web3 wallets as specialized tools for the affluent and technically confident, not mass-market infrastructure. Meanwhile, digital wallets crossed into the mainstream by doing the opposite: they abstracted away complexity, required no new mental model, and plugged directly into existing bank accounts and cards. PayPal does not ask users to manage seed phrases or understand gas. Apple Pay does not expose public-key cryptography.
자주 묻는 질문
Q. 어떤 정보를 제공하나요?
A. 암호화폐/블록체인 관련 최신 정보를 제공합니다.
Q. 신뢰할 수 있나요?
A. 검증된 출처만 선별합니다.
Q. 더 궁금한 점은?
A. 댓글로 문의하세요.
원문 출처
이 글은 원본 기사를 참고하여 작성되었습니다.