Why hasn't blockchain payment become widespread? Simply put, it's three words: too inconvenient.

Gas fees are ridiculously high, transfers are painfully slow, and you have to hold various coins just to use it. The process is so complicated that no one wants to actually use it for buying groceries. But there's a project quietly solving this problem—Plasma chains treat Bitcoin directly as the settlement layer, with transfers on the upper layer arriving instantly, and importantly, without any fees.

Basically, it's like this: the underlying layer leverages Bitcoin's security, but transfers are as smooth as Alipay. Users don't feel the complexity of blockchain at all; they just want their money to arrive instantly, and that's what they get. By 2026, this solution will have been tested in real-world scenarios.

The XPL ecosystem token isn't just for show; it handles clearing, governance, and network maintenance all in one. This is the way blockchain should go—ditch the fancy stuff and make transfers as simple as sending a message. People are voting with their feet—what about you?