Web3 innovations have been around for over a decade; the concept was first coined by Ethereum’s Co-Founder Gavin Wood back in 2014. Fast forward to 2025, there were over 18 million daily active crypto users across the globe in 2024 as per a recent Web3 adoption report. But while this figure is quite impressive compared to the previous years, Web3 usage is still a drop in the ocean given that there are over 5 billion internet users today. #BTCvsETH

Most conversations around Web3 or crypto are yet to move away from the cliché hypes promising massive returns. Of course, it would be unfair to deny that the ‘hype’ has majorly driven crypto adoption over the years but also ignorant to overlook the fact that Web3 can only go mainstream when innovations like swapping or paying with crypto through digital asset exchanges like XBO, Binance and Coinbase become an everyday use case. #TrumpBitcoinEmpire

After all, real technological shifts don’t take off when they’re exciting, they do so when they become boring. #GENIUSAct

The Future of Web3 Ought to be Mundane — and That’s a Good Thing

Think about how easy it is to spend traditional money in today’s digital economy, you don’t have to marvel at your banking app if a payment goes through while shopping for groceries. In fact, with advancements in the Near-Field Communication (NFC) space, tap and go payments are slowly becoming the norm. The contactless payment market was valued at $33.27 billion in 2023 and is projected to grow at a CAGR of 13.5% between now and 2031 to hit a valuation of $91.8 billion. 

A huge part of this growth can be attributed to the nature of the payments; simple, fast and invisible. In most cases, people do not have an idea about the backend processes or what it takes to complete a transaction real-time. The only thing one cares about is whether the payment has gone through or not. Can the same be said about Web3 or crypto payments, are they simple or boring enough to the extent of going mainstream? $BNB

The irony is that Web3 promises huge improvements in finance, including faster settlement, lower fees, ownership without intermediaries – but most people won’t care about any of that unless crypto helps them solve a small, real-world problem more easily than the alternatives.@Huma Finance 🟣

Where Are With Crypto Everyday Adoption?

While it is evident that Web3 use cases are still limited within small communities, it is interesting to observe the integrations being made by service providers, including those in Web2 to accommodate crypto as a means of payment. @Chainbase Official

Imagine if you could pay for a web hosting service with Ethereum’s native token ETH; well, this is already in place. There are several web hosting services such as Hosterbox and Hawk that currently accept $ETH Hosterbox in particular has gone ahead to introduce a 20% off for users who pay for their subscriptions using ETH. 

It is also worth mentioning that the crypto payments market has been growing steadily in recent years, with payment gateways valued at $1.2 billion in 2023 while estimates show it could register a CAGR of over 15% between now and 2032. @Caldera Official @Lagrange Official

Making Crypto Swapping Easy for Everyone 

As for the Web3 platforms that are making a real difference in crypto swapping and payments, XBO is one of the good examples. This digital asset exchange won the "Best Digital Assets Exchange - Retail" award at the 2024 Global Digital Assets Awards, organized by The Digital Banker. It features several functions designed to make Web3 as ‘mundane’ as possible. 

At the core is a crypto exchange that allows both veterans and newbies to seamlessly swap fiat to crypto, crypto to crypto or crypto to fiat. Notably, XBO provides its users with the flexibility to purchase crypto directly with credit cards, supporting some of the most common payment options which include Visa, Mastercard, Apple Pay, Google Pay, Skrill and Maestro. The exchange also includes loyalty tiers to incentivize users with up to 1% in cashback depending on their level.

Once on the exchange, users can engage in spot trading and leverage XBO’s wide selection of coins, low transaction fees, fast order execution and transparent conditions. 

More importantly, XBO has made it very easy to spend crypto at any point of sale globally that accepts Visa cards. This is possible through the XBO card which comes in both virtual and physical forms. Some of the benefits of using this card include the range to spend crypto anywhere in the world, a virtual card that is supported by both Apple and Google pay, a low top-up fee of only 3% and one-time card issuance fee of $12 without any other hidden costs. #Write2Earn

Looking Into the Future 

As mentioned in the introduction, Web3 is now over a decade old with so much yet so little to show for a technology that has consistently been hyped as the future of finance. However, it is only by looking back that we can understand what the future of Web3 holds. Gone are the days when speculation was the sole drive of the market, we are now entering an age where real-world use cases will determine whether Web3 thrives as much as AI has done over the past two years. 

The real battle for Web3 adoption isn’t about winning over diehard crypto fans, they’re already here. It’s about onboarding people who don’t care about decentralization, consensus mechanisms, or the future of finance. They care about what works, what’s fast, and what saves them a little money.