Crypto’s future lies in utility that lets payments scale globally

Opinion by: Innokenty Isers, Founder and CEO of Paybis

The loudest signal in months was not a price chart — it was a checkout button. 

PayPal turned on crypto at the point of sale for US merchants, promising near-instant settlement and international fees up to 90% lower than the status quo. 

That kind of delta doesn’t just reduce costs, it rewrites the economics of cross-border commerce. 

It also suggests what the next phase of crypto adoption will look like: embedded in everyday payments and widely accessible, rather than speculative, flashy and…