The true victory of DeFi is when the UX becomes seamless. Yesterday, I used on-chain assets to buy textbooks offline, and the entire experience was no different from using a regular credit card—3DS verification was smooth and unobstructed, the authorization to settlement process was completed instantly, the exchange rate conversion was precise to the cent, and the final receipt automatically recognized the merchant category code, allowing my textbook purchase record to be directly categorized and accounted for. No complicated wallet operations, no anxiety over network delays, no shocks from exchange rate slippage. This is the real sign that on-chain payments are becoming mainstream—not because of flashy technology, but because users don’t even realize they’re using blockchain.