The field of cross-border transfer has ushered in a revolutionary breakthrough - the PayFi system allows users to invest funds in the DeFi protocol to earn interest, and use this interest to make consumption payments. This means that users can complete daily payments without using principal, truly realizing the "money makes money" consumption model. This innovation not only improves the efficiency of capital use, but also provides a better solution for global cross-border transfers.

Another application is the exchange of fiat currencies and cryptocurrencies. Users in remote areas do not have banking services and cannot enjoy electronic payment and cross-border services. Crypto payment networks will solve the problem of inclusive finance. Few merchants support cryptocurrencies for consumption, and there will be many in the future.

Digital currencies are changing the e-commerce landscape. On-chain e-commerce platforms support the use of digital currencies to trade goods, achieve interoperability of on-chain assets, and significantly improve e****mic efficiency. More exciting is that merchant accounts receivable can be directly used as on-chain collateral to obtain financing loans. Real-world asset tokenization will greatly enhance asset liquidity, providing users with more financial tools and investment opportunities. Although the current blockchain speed is still a bottleneck in consumer application scenarios, technological progress is rapidly breaking through this limit.

The peer-to-peer chat system based on the XMTP protocol is building a privacy-preserving communication scenario in which users have complete control. This decentralized communication method has the voice over the user and bid farewell to the data monopoly of the centralized platform.

Native blockchain accounts integrated with AI Agents open up a new model of revenue distribution. AI-generated revenue will be distributed fairly among all contributors, such as data providers, AI prototype creators, model originators, and developers. Robots generate value for human labor and return it to humans.

The current organizational media accounts are often controlled by a few operators, and the DAO governance model will completely change this situation. In the future, the content of organizational accounts will be determined through community voting, and AI agents will intelligently read community voices and automatically generate content representing public opinion. This mechanism ensures that the information published truly reflects the collective will and builds a true decentralized media ecosystem.

The era of traditional platforms monopolizing the distribution of advertising revenue is coming to an end. The new decentralized platform returns advertising revenue to the community and distributes it according to the contribution of members, breaking the platform's centralized monopoly and realizing a fair return on value creation.

Tokenization of content or accounts creates a whole new dimension of investment. Users can invest their share of future earnings by purchasing tokens for a specific account or post. When this content generates advertising or sales revenue, token holders are allocated accordingly. This mechanism not only provides creators with new channels for financing, but also allows ordinary users to directly participate in the growth of content value.

Coolha plans to bring together all the blockchain use cases, each module coming from a different project, preferring to opt for decentralized governance.

Which of the above application scenarios are you most looking forward to the popularity of? Welcome to share your views!