Key Highlights
- Bitget Wallet is pushing Stellar-based PayFi Odyssey to make crypto usable for daily payments in emerging markets.
- Users earn rewards from a $300,000 pool for real actions like QR payments, card spending, and transfers.
- Only about 1% of $35T stablecoin volume is used for real payments, showing a big gap this project targets.
Bitget Wallet, a simple, everyday finance app, is expanding its work on the Stellar blockchain in 2026 to make crypto easier to use for everyday payments.
According to an official release, the rollout will focus on emerging markets like Asia, Africa, and Latin America, where crypto use is already growing, with an aim of helping people use digital money not just for trading but for normal things like buying goods, sending money, and paying in stores.
The initiative is built around a multi-phase program called PayFi Odyssey, and it connects different payment tools into one system that works across borders and platforms.
PayFi Odyssey rewards and rollout
The firm explained that the PayFi Odyssey program will roll out in phases starting from July and will include a total reward pool of $300,000. Users will be able to earn rewards when they perform simple actions like paying with a crypto card, scanning a QR code in a shop, or sending crypto to someone else. The more they use these features, the more rewards they can get.
Alongside this, Bitget Wallet is introducing a feature called the “Crypto Survival Plan,” which tracks how users spend and manage crypto in real-world conditions across different regions.
Onchain payments matrix and Stellar’s role
This phase also builds on earlier integration work with Stellar and extends what Bitget Wallet calls its Onchain Payments Matrix, a system that connects different blockchains, banks, and payment networks together so money can move more easily between them.
Within this setup, Stellar is used as one of the settlement layers because of its fast and low-cost transaction design, working alongside other supported networks.
Stablecoin growth and usage gap
This push is happening at a time when stablecoin use is growing very fast around the world. In 2025, stablecoin transactions reached about $35 trillion, according to an April 2026 report from McKinsey.
But most of this is not used for buying things or paying for services. However, only about 1% of that total, around $390 billion, is used for real-world payments like shopping or sending money. The rest is mostly used for trading or large transfers between users and exchanges.
This gap is slowly closing in emerging markets, where many people use mobile phones for banking and payments. In these regions, stablecoins are becoming a simple way to send money to friends or pay for services without needing traditional banks. This is one of the reasons Bitget Wallet and Stellar are focusing their efforts there.
According to Alvin Kan, COO of Bitget Wallet, “Stablecoin activity has scaled rapidly, but much of it remains concentrated in large-value transfers rather than daily transactions.”
He added, “Our focus is to make digital assets usable in daily scenarios. By expanding payment infrastructure on Stellar, we are connecting fragmented systems into a single flow and bringing crypto closer to the last mile of everyday use.”
Why this matters
The broader goal behind the rollout is to make crypto spending feel as normal as regular mobile payments, especially in regions where digital finance is already moving quickly.
By linking wallets, merchants, and blockchain networks, the initiative tries to turn stablecoins from a trading asset into a tool for everyday payments in everyday life.
Also Read: Coinbase Pushes AI-Crypto Fusion With New Base MCP Tool
