Crypto Super Apps could gain a more frequent role through payments, speakers argued during four ChangeNOW-hosted panels at TOKEN2049 Singapore. Representatives from MetaMask, Trezor, WalletConnect and other firms discussed how crypto products might reach a wider audience.

The panelists described payments as a possible everyday use for services that otherwise may see users mainly when they swap tokens. Their comments also exposed different views on how much a single app should do, how it should protect users, and how much control people should retain.

Crypto Super Apps Need a Reason to Return

Rubic co-founder Aleksandra Korneva said many people who use swap services have no reason to transact every day. Pulsar Money CEO Alex Radu identified payments and trading as two possible foundations for apps that combine several financial services.

“They just want to transact in a safe and secure and cheap way,” Radu said. The remarks put routine transactions at the center of the case for Crypto Super Apps: users may return more often if an app helps them make payments as well as trade.

CoinRoutes’ Michelle Herman offered a more cautious view. She argued that specialized services still have a role, while stressing customer-information protection and reliable execution. Her comments set a limit on the all-in-one pitch: combining functions does not remove the need to handle each service responsibly.

Wallets Balance Simplicity With User Control

A separate wallet discussion focused on how much of a transaction an app should manage. Yana, ChangeNOW’s Head of Business Development & Account Management, pointed to gas requirements as one source of friction in cross-chain swaps.

MetaMask’s representative discussed using AI agents to carry out transactions. Trezor software product lead Denis said the company was exploring how a hardware device could let users approve actions initiated by an agent. He also cautioned against hiding every detail to make an interface simpler, saying information should remain available when users need it.

Payments Depend on Practical Infrastructure

On the infrastructure panel, WalletConnect’s Diana Alexandrova argued that everyday payments should not require technical expertise. “They don’t have to be cryptographers,” she said of users.

Aztec Labs raised privacy as another condition for broader use, noting that businesses would not want employee payments publicly visible. Banxa advocated cooperation among specialized infrastructure providers, while RocketX described bringing liquidity from different sources into a unified interface.

These remarks connect the proposed convenience of Crypto Super Apps to underlying services. A simpler payment experience, the panelists argued, still depends on infrastructure that can support transactions, protect sensitive information and connect providers.

Audience Growth Extends Beyond Search

A fourth discussion considered how people might discover crypto products as AI changes search. Media participants said they were investing more in interviews, podcasts and direct relationships with readers as search traffic became harder to depend on.

CoinEasy described a different experience, saying its Korean community and domestic search presence had limited the impact so far. It also described efforts to reach people through AI tools and expand offline events and physical products for its community.

The panels left the case for Crypto Super Apps tied to practical questions rather than a single feature: whether payments give users a reason to return, whether combined services remain reliable, and whether people can keep visibility and control over transactions. Speakers identified those as considerations for wider use, while the discussions offered no claim that one app already solves them all.

Related coverage has examined technology choices in wealth management, a payments infrastructure partnership, and crypto options in a consumer app. The examples cover adjacent questions about financial technology, payments and consumer-facing crypto products.

The source discussion was reported by CoinPedia’s TOKEN2049 panel coverage.