True financial innovation is often not a loud and disruptive event, but rather a quiet integration into the systems of our daily lives.
I have chosen these three coins: Alchemy Pay ($ACH ), Conflux ($CFX ), and $XRP (Ripple). They may appear to be independent, but in fact, they each target the three most critical fronts of traditional finance: payment entry, technical underpinnings, and the global clearing system.
ACH: Connecting crypto and the real world through payment channels
Alchemy Pay's core goal is very clear: to bring cryptocurrency into real life. It has obtained payment licenses in multiple countries including Singapore, Indonesia, and Canada, and has integrated traditional and crypto payment channels such as Visa, Mastercard, Apple Pay, and Binance Pay, covering over 170 countries and regions worldwide.
Recently, ACH has made breakthroughs in the Hong Kong market, investing in companies holding various SFC licenses and planning to upgrade license types to enhance its compliance payment capabilities in Asia. Meanwhile, Alchemy Pay is actively promoting global stablecoin-related legislation, aiming to become a hub for local and global stablecoin exchanges, facilitating compliant and efficient cross-border value flows.
This is not an empty vision, but a system-level penetration that is underway. ACH does not rely on speculation but is genuinely promoting the integration of on-chain assets and real fund flows.
In the future, if the global payment infrastructure undergoes reconstruction, ACH is expected to become the Stripe, PayPal, or UnionPay of the crypto world.
Advantages: Steady progress in compliance implementation, supporting real payment scenarios
Risks: The speed of expanding payment licenses and user adoption still needs observation
CFX: Technological breakthroughs and international layout of domestic public chains
Conflux (Tree Graph Public Chain) is led by a Chinese research team, backed by Tsinghua University and the Tree Graph Blockchain Research Institute, becoming the only public chain in the country with official support.
The upcoming version 3.0, set to launch in August 2025, will significantly enhance transaction throughput to 15,000 transactions per second, supporting AI agents, cross-border payments, and batch settlements of real assets, aiming to create a 'digital highway' in the Web3 era.
More importantly, Conflux is actively expanding international cooperation, signing strategic agreements with companies such as AnchorX and Dongxinheping, planning to promote the issuance of offshore RMB stablecoins and cross-border settlements in countries along the 'Belt and Road', becoming an important testing ground for the internationalization of the digital RMB.
As of now, Tree Graph has processed a cumulative total of 170 million transactions, covering 25 million users, reaching over 40 countries, and achieving cross-chain interoperability with dozens of mainstream public chains, with a solid ecological foundation and strong technical capabilities.
CFX has not taken the speculative concept route but has deeply engaged in compliance technology and applications in the real economy, choosing to become a key force in promoting the internationalization of digital RMB and providing blockchain technology services to the real economy.
Advantages: Significant technological upgrades, compliance and international cooperation progressing in parallel
Risks: International influence still needs to be expanded, and the speed of technology adoption needs to be improved
XRP: Reshaping the global backbone of cross-border settlements
XRP has gone through a lawsuit with the US SEC, but with Ripple's announcement to withdraw its appeal, it marks the end of this prolonged legal dispute, bringing positive signals for the improvement of the industry regulatory environment.
RippleNet has provided cross-border clearing services for top global financial institutions such as Santander, SBI, and Japan's Rakuten Bank, with low fees and second-level arrival becoming its core competitiveness. Ripple is also promoting the issuance of USD stablecoins and IPO plans, and is likely to become a bridge connecting traditional financial markets and on-chain settlements in the future.
XRP's recent price performance has been strong, reaching a new high of $3.65 in July 2025, with significant gains and gradually restoring market confidence.
If the ETF is approved, Ripple will become the first comprehensive crypto financial platform integrating a banking cooperation network, a stablecoin ecosystem, and capital market access.
Advantages: Validation from a mature cross-border remittance market, clear plans for stablecoins and capital markets
Risks: Competitive relationship and policy sensitivity with stablecoins such as USDC and USDT still exist
This is not short-term speculation, but standing at the threshold of financial structural reshaping
The commonality among these three is not popularity, but that they are all attempting to redefine the core aspects of the financial system.
ACH focuses on payment entry points, continuously expanding compliance licenses and partnerships, aiming to break down barriers between on-chain assets and daily payments; CFX deeply engages in technical underpinnings, promoting compliance chain services for the real economy, especially the internationalization of digital RMB; XRP targets the global clearing network, relying on RippleNet and capital markets for dual-driven growth, creating a backbone for cross-border settlements.
Financial revolution does not necessarily mean overthrowing, but is more likely to be replacement, migration, and sedimentation.
The transformation of the financial system is not an overnight explosion, but a gradual migration in every payment, clearing, and application.
ACH is laying out payment channels; CFX is exploring practical paths for China's compliance chain and digital RMB internationalization; XRP aims at the 'blood' of global finance—cross-border clearing.
I choose these three tokens not because they are the hottest, but because they have the opportunity to become the cornerstone of a new financial order.
This is a silent yet far-reaching evolution, and we are right in the midst of it.
