On-chain commerce potential and catalysts

In this episode, Lex speaks with Jess Houlgrave, CEO of WalletConnect. In this episode Jess explains how WalletConnect bridges wallets and decentralized applications (dApps), simplifying secure blockchain interactions for millions of users.

Together, Lex and Jess discuss the platform’s origins, technical innovations, and massive scale - supporting over 700 wallets and 70,000 projects. The conversation covers challenges in integrating traditional finance with Web3, regulatory compliance, and WalletConnect’s decentralized, token-incentivized network. Jess also shares insights on the future of on-chain commerce, global adoption trends, and the evolving relationship between fintech and blockchain infrastructure.

NOTABLE DISCUSSION POINTS:

1. WalletConnect Becomes Web3’s Financial Backbone: Once a simple UX fix, WalletConnect now connects 700+ wallets and 70,000+ apps, moving $400B annually. It’s evolving into the universal connectivity layer for on-chain finance - a “Visa for Web3.”
2. Fintechs Are Forcing Crypto to Grow Up: As players like Stripe and Shopify enter Web3, they demand frictionless UX and regulatory-grade compliance, not crypto-native clunkiness. This wave will make crypto invisible but usable through embedded fintech experiences.
3. Stablecoins Will Power On-Chain Commerce and Dollarization: Jess predicts commerce, not trading, will drive the next cycle. As stablecoins become spendable everywhere, users won’t need to off-ramp - accelerating global dollarization via open financial rails.

TOPICS

WalletConnect, ReOWN, Circle, Stripe, Checkout.com, MetaMask, Solana, blockchain, decentralized finance, DeFi, crypto, wallet, Web3, web2, UX, wallet infrastructure, stablecoins, tokens, token economy

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TIMESTAMPS

1’03: WalletConnect’s Financial Connectivity Layer: CEO Jess Houlgrave on Helping Build The New Internet

4’42: Universal Wallet Interoperability: How a Single Integration Connects Every App to Every Wallet

9’06: Building Trust in Web3: How Seamless Wallet Connections Create the ‘Visa Moment’ for Crypto

11’51: Scaling Web3 Connectivity: Inside the 50 Million Users and $400 Billion Powered by Wallet Infrastructure

14’02: The Next Wave of Adoption: How Better UX and Fintech Integration Are Bringing Millions On-Chain

16’53: Beyond Ethereum: How Multi-Chain Support and Compliance Are Driving the Next Phase of Web3 Growth

19’41: When Web2 Meets Web3: How Fintechs Are Redefining Crypto UX and Compliance Standards

22’34: Bridging the Knowledge Gap: Helping Fintechs Understand the Complexities of Web3 Integration

26’37: The New Chain Race: Why Fintechs Are Repeating Banks’ Playbook and Competing for Value Capture in Web3

30’05: Decentralizing the Network: How Wallet Infrastructure Is Building a Sustainable Token Economy

35’44: The Future of On-Chain Commerce: How Stablecoins and UX Advances Will Drive Real-World Payments

39’46: The Rise of Digital Dollarization: How Open Financial Systems Are Reshaping Global Currencies

40’57: The channels used to connect with Jess & learn more about WalletConnect

Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.

Contributors: Lex, Laurence, Matt, Farhad, Mike, Daniella

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