A joint capital move from Silicon Valley and China targeted a long-overlooked segment of the global payments landscape. The startup AllScale announced the completion of a $5 million seed round led by YZi Labs and GSR Ventures. Its mission is clear and ambitious: to build a self-custodied digital bank for the “super individuals” born from the global AI wave. In a world where on-chain stablecoin transaction volume has surged to $46 trillion—surpassing Visa—this funding round represents more than capital; it is a strategic declaration against the arrogance of traditional finance.

Spotting the Gap: Globalized Productivity vs. Localized Payments
The story begins with a sharp global contradiction. AI is atomizing productivity at unprecedented speed: a developer in Nairobi can code for a Silicon Valley company, a designer in Southeast Asia can serve a European brand. These individuals form the active “capillaries” of the new globalization, growing at over 60% annually. Yet the payment systems that should carry this value remain cumbersome, costly, and biased. When value creation knows no borders but compensation faces obstacles, a massive commercial gap emerges.

AllScale’s Solution: A Self-Custodied Global Payment Network
AllScale proposes a “self-custodied stablecoin digital bank.” Its business logic addresses four key scenarios: enabling global payroll for distributed Web3 projects; providing more autonomous, lower-friction payment channels for overseas merchants than giants like Stripe; connecting unbanked freelancers in emerging markets to the “last mile” of earning; and offering seamless payment tools for individuals participating in the Biolink economy on social platforms like Telegram. Stablecoins serve as the lifeblood connecting islands cut off by traditional financial walls.

Product Philosophy: Balancing Maximum Security and Seamless Experience
AllScale’s challenge is to reconcile a core paradox in crypto: self-custody offers security and autonomy but often poor user experience (e.g., seed phrases). To address this, it implements a critical “subtraction”: replacing seed phrases with Passkeys (fingerprint/face recognition) to make private key management as natural as logging into a social app. It also applies precise “addition”: a dual-layer structure of on-chain funds + off-chain services ensures transparent, tamper-proof transactions while providing invoicing, client management, and SaaS tools, along with innovative Gas fee sponsorship so users are unaware of the underlying blockchain mechanics.

Three Converging Waves of the Era
AllScale’s emergence is no accident, but the intersection of three historical trends: the mainstreaming of stablecoins, with on-chain volumes challenging Visa and adopted by PayPal and Stripe; the rise of “PayFi,” where payments are not just endpoints but programmable financial services; and most fundamentally, the explosion of AI-driven “super individuals,” requiring financial infrastructure that matches their globalized, fragmented work. AllScale positions itself precisely at this intersection.

Team and Capital: A Precise Bet on Compliance and Expansion
Capital confidence stems from trust in the team. AllScale’s founders bring rare composite backgrounds: compliance veterans from Square (TBD project) and Kraken ensure embedded compliance from the start; tech and product experts from AWS and TikTok build bank-grade security with consumer-grade usability. Lead investors YZi Labs and GSR Ventures, with follow-on support from Minyin International, signal market recognition of AllScale’s ability to bridge crypto-native rules with traditional financial resources. This is a bet on whether the team can navigate regulatory uncertainty with precision.

Ecosystem and Strategic Positioning: Growing in the Giants’ Shadows
Facing payment giants like Stripe and Airwallex, and native wallets like MetaMask, AllScale chooses a differentiated path. By partnering with BNB Chain and integrating MoonPay for fiat on/off-ramps, it quickly builds a payment ecosystem. Its strategy is clear: lighter and more open than traditional fintech (self-custodied) and easier to use than native crypto wallets (seamless experience). It doesn’t directly challenge giants but focuses on the “middle 98%” of light operators that big players overlook.

Vision and Risks: A Long Journey to Bridge the Gap
AllScale’s ultimate vision is to become the infrastructure enabling global value flow in the AI era. Its success hinges on whether young people in Africa and Southeast Asia adopt it for their first global payments. Challenges remain: unclear global stablecoin regulations, balancing decentralization with compliance, high user acquisition costs in emerging markets, and the need to establish strong ecosystem and user habits before payment giants respond.

Business Insight: From Empowering Institutions to Empowering Individuals
AllScale reflects a deeper paradigm shift: fintech innovation is moving from serving banks and large enterprises (B2B) to directly empowering every value-creating individual (B2C). As AI democratizes productivity, financial tools must democratize alongside it. This is not just an efficiency race but a profound transformation in economic sovereignty and financial inclusion.

In 2025, $46 trillion in stablecoin flows and an AI-transformed global workforce have together revealed a new frontier. AllScale’s story is about how capital, technology, and product attempt to build the first bridge on this new continent. Its success will test a fundamental question: between technological ideals and complex reality, can we truly create a digital pocket both personal and globally connected for the next billion users? The answer will be decided by every “super individual” worldwide with the tap of a finger.

A joint capital move from Silicon Valley and China targeted a long-overlooked segment of the global payments landscape. The startup AllScale announced the completion of a $5 million seed round led by YZi Labs and GSR Ventures. Its mission is clear and ambitious: to build a self-custodied digital bank for the “super individuals” born from the global AI wave. In a world where on-chain stablecoin transaction volume has surged to $46 trillion—surpassing Visa—this funding round represents more than capital; it is a strategic declaration against the arrogance of traditional finance.

Spotting the Gap: Globalized Productivity vs. Localized Payments
The story begins with a sharp global contradiction. AI is atomizing productivity at unprecedented speed: a developer in Nairobi can code for a Silicon Valley company, a designer in Southeast Asia can serve a European brand. These individuals form the active “capillaries” of the new globalization, growing at over 60% annually. Yet the payment systems that should carry this value remain cumbersome, costly, and biased. When value creation knows no borders but compensation faces obstacles, a massive commercial gap emerges.

AllScale’s Solution: A Self-Custodied Global Payment Network
AllScale proposes a “self-custodied stablecoin digital bank.” Its business logic addresses four key scenarios: enabling global payroll for distributed Web3 projects; providing more autonomous, lower-friction payment channels for overseas merchants than giants like Stripe; connecting unbanked freelancers in emerging markets to the “last mile” of earning; and offering seamless payment tools for individuals participating in the Biolink economy on social platforms like Telegram. Stablecoins serve as the lifeblood connecting islands cut off by traditional financial walls.

Product Philosophy: Balancing Maximum Security and Seamless Experience
AllScale’s challenge is to reconcile a core paradox in crypto: self-custody offers security and autonomy but often poor user experience (e.g., seed phrases). To address this, it implements a critical “subtraction”: replacing seed phrases with Passkeys (fingerprint/face recognition) to make private key management as natural as logging into a social app. It also applies precise “addition”: a dual-layer structure of on-chain funds + off-chain services ensures transparent, tamper-proof transactions while providing invoicing, client management, and SaaS tools, along with innovative Gas fee sponsorship so users are unaware of the underlying blockchain mechanics.

Three Converging Waves of the Era
AllScale’s emergence is no accident, but the intersection of three historical trends: the mainstreaming of stablecoins, with on-chain volumes challenging Visa and adopted by PayPal and Stripe; the rise of “PayFi,” where payments are not just endpoints but programmable financial services; and most fundamentally, the explosion of AI-driven “super individuals,” requiring financial infrastructure that matches their globalized, fragmented work. AllScale positions itself precisely at this intersection.

Team and Capital: A Precise Bet on Compliance and Expansion
Capital confidence stems from trust in the team. AllScale’s founders bring rare composite backgrounds: compliance veterans from Square (TBD project) and Kraken ensure embedded compliance from the start; tech and product experts from AWS and TikTok build bank-grade security with consumer-grade usability. Lead investors YZi Labs and GSR Ventures, with follow-on support from Minyin International, signal market recognition of AllScale’s ability to bridge crypto-native rules with traditional financial resources. This is a bet on whether the team can navigate regulatory uncertainty with precision.

Ecosystem and Strategic Positioning: Growing in the Giants’ Shadows
Facing payment giants like Stripe and Airwallex, and native wallets like MetaMask, AllScale chooses a differentiated path. By partnering with BNB Chain and integrating MoonPay for fiat on/off-ramps, it quickly builds a payment ecosystem. Its strategy is clear: lighter and more open than traditional fintech (self-custodied) and easier to use than native crypto wallets (seamless experience). It doesn’t directly challenge giants but focuses on the “middle 98%” of light operators that big players overlook.

Vision and Risks: A Long Journey to Bridge the Gap
AllScale’s ultimate vision is to become the infrastructure enabling global value flow in the AI era. Its success hinges on whether young people in Africa and Southeast Asia adopt it for their first global payments. Challenges remain: unclear global stablecoin regulations, balancing decentralization with compliance, high user acquisition costs in emerging markets, and the need to establish strong ecosystem and user habits before payment giants respond.

Business Insight: From Empowering Institutions to Empowering Individuals
AllScale reflects a deeper paradigm shift: fintech innovation is moving from serving banks and large enterprises (B2B) to directly empowering every value-creating individual (B2C). As AI democratizes productivity, financial tools must democratize alongside it. This is not just an efficiency race but a profound transformation in economic sovereignty and financial inclusion.

In 2025, $46 trillion in stablecoin flows and an AI-transformed global workforce have together revealed a new frontier. AllScale’s story is about how capital, technology, and product attempt to build the first bridge on this new continent. Its success will test a fundamental question: between technological ideals and complex reality, can we truly create a digital pocket both personal and globally connected for the next billion users? The answer will be decided by every “super individual” worldwide with the tap of a finger.