The future of payments isn’t just coming — it’s here. And IOST is leading the charge.

— The IOST Team

A Proven Foundation for the Future

Seven years. 930 million transactions. Zero outages. This isn’t just a track record — it’s a testament to IOST’s unwavering commitment to excellence. While others promised, we delivered. Now, we’re taking our battle-tested infrastructure to the next level with PayFi Layer 2 and PayPIN technology.

Why This Evolution Matters Now

The cryptocurrency landscape is at a critical inflection point. Traditional finance, Web3, and payment are converging, creating an unprecedented $100T opportunity. Three key factors make this moment special:

  • Surging Market Demand: Global financial institutions are actively seeking robust Web3 payment solutions, with over $2 trillion in traditional finance ready for blockchain integration.

  • Battle-Tested Technology: Our seven-year track record of zero outages has forged an infrastructure ready for next-generation payment applications.

  • Strategic Alignment: Major partnerships in Japan and emerging markets, combined with our strongest-ever community, position us perfectly for this evolution.

The PayPIN Revolution: Innovation Meets Reality

Payment Reimagined: The Power of PayPIN

PayPIN integrates cutting-edge technology into an elegant solution:

  • Advanced PPG Sensors: Clinical-grade biometric monitoring ensures continuous human presence

  • Hardware-Encrypted DID: Tamper-proof identity verification for ultra-secure transactions

  • NFC Payment Capabilities: Transform each validation node into a secure payment instrument

  • Multi-Channel Biosensors: Provide preventive health alerts and wellness insights

This isn’t just about security — it’s about creating a network where technology actively contributes to human well-being while maintaining the highest standards of network integrity.

Value Proposition

PayPIN delivers unprecedented benefits across the ecosystem:

  • For Businesses: Access global markets with up to 80% lower fees than traditional systems

  • For Users: Experience instant, secure transactions with unparalleled privacy

  • For Developers: Access a $12M development fund with comprehensive support

  • For Token Holders: Benefit from multiple value capture mechanisms and sustainable growth

More on Merchant-Centric Infrastructure

PayPIN introduces advanced micropayment processing and affordable fee structures. It offers:

a. Advanced Payment Processing & Security:

Leverages IOST 3.0’s Layer 2 technology to enable high-throughput, low-cost transaction processing

  • Supports real-time settlement and micropayments through optimized gas fees and efficient batch processing

  • Integrates with both online and offline merchants through PayPIN’s hardware solution

Guaranteed payments through PayFi’s automated settlement system

  • No default risk compared to the TradFi credit solution

  • Reduced transaction fees compared to traditional payment processors

  • Integration with PayPIN’s biometric verification for enhanced security

  • Real-time analytics and reporting tools for transaction monitoring

b. Flexible Payment Options:

Merchants can offer customers multiple payment methods, including:

  • Traditional instant payments

  • Deferred payment plans (buy-now-pay-later)

  • Private Credit based purchases with PayFi’s RWA (Real World Asset) integration

Access to a wider customer base through flexible payment options

By addressing real-world payment needs, IOST bridges the gap between blockchain technology and everyday commerce.

Our Commitment to Community

Revamped Tokenomics

The new tokenomics model prioritizes community growth and long-term sustainability:

  • 97% of newly issued tokens are dedicated to community initiatives

  • Zero private sales or hidden allocations

  • $100M committed to ecosystem development

  • Built-in deflationary mechanisms protecting long-term value

Rationale Behind the Transition

The decision to transition to PayFi Layer 2 stems from the growing demand for decentralized payment solutions. Web3 is evolving rapidly, and with it comes the need for infrastructure that can scale efficiently while ensuring security and reliability. PayFi addresses these demands head-on, positioning IOST as a leader in this domain.

A major driver for this transition is aligning token utility with ecosystem growth. The new tokenomics model ensures that tokens incentivize validators, subsidize merchants, and fund developers who innovate within the ecosystem. This alignment creates a balanced and productive cycle of growth.

Another critical factor is long-term stability. IOST introduces a dynamic inflation model coupled with token burn mechanisms to maintain economic balance. Gas fees contribute to token burns, while governance allows the community to adjust rates as needed. These measures ensure sustainability and maintain a low inflation rate, avoiding undermining the ecosystem’s value.

Clear Path to Market Leadership

Our three-phase roadmap ensures measured, sustainable growth:

Phase 1: Foundation (1–4 months) [Rebrand]

  • Launch PayFi Layer 2 and PayPIN integration.

  • Initiate node sales and community airdrops.

  • Deploy the first real-world asset solutions.

Phase 2: Growth (5–18 months) [Rejuvenate]

  • Launch PayFi applications and introduce payment cards.

  • Build a merchant network and integrate $0.5 billion in RWA assets.

Phase 3: Global Impact (19–36 months) [Revolutionize]

  • Expand the decentralized PayPIN network across 100+ countries.

  • Onboard 4 million merchants and process 12 million daily transactions.

The Innovation Edge

Our $100M ecosystem fund powers four transformative initiatives:

  • Technical Excellence: Building Web3’s most advanced payment infrastructure

  • Community Growth: Creating real economic opportunities for participants

  • Market Expansion: Strategic partnerships with major financial institutions

  • Value Protection: Advanced tokenomics with built-in deflationary mechanisms

IOST 3.0: Powered by Global Visionaries and Leading Companies

We’re not just making promises — we’re actively forging meaningful and impactful partnerships with some of the most influential leaders and companies around the world. Our mission is to build connections that will shape the future and create lasting value for our ecosystem and community.

Stay tuned for exciting updates as we unveil the details of these groundbreaking collaborations. There’s a lot happening behind the scenes, and we can’t wait to share it with you. Something truly remarkable is in the works, and you won’t want to miss it!

Join Us in Shaping the Future

This isn’t just another blockchain upgrade — it’s a carefully orchestrated evolution positioning IOST at the forefront of Web3 payment. With proven technology, strong partnerships, and unwavering community focus, we’re not just participating in the future of payment — we’re defining it.

The foundation is laid. The technology is proven. The partnerships are secured. Now, it’s time for action.

Welcome to the future of IOST. Welcome to the future of payment.

MIGA 🫡

IOST: Igniting the Web3 Payment Revolution was originally published in IOST on Medium, where people are continuing the conversation by highlighting and responding to this story.