Polygon Co-founder: “Micropayments Will Drive Massive Crypto Adoption!”

Jakarta, Pintu News – In an opinion piece published on October 4 in Entrepreneur Magazine, Sandeep Nailwal, co-founder of Polygon, suggests that mainstream adoption of crypto will probably be achieved through frequent small transactions, rather than through partnerships with large financial institutions.

Nailwal argues that digital assets can reach billions of users by supporting affordable micropayments, which is in line with crypto’s principles of accessibility and self-ownership.

Shifting the Focus from Institutions to Individuals

According to Nailwal, the industry’s emphasis on institutional “whales” risks ignoring everyday financial activities that are often underserved by traditional systems. “The infatuation with stablecoins as institutional or wholesale infrastructure ignores the biggest opportunity: low-friction everyday payments for the next billion users,” he wrote.

Nailwal cited sending a $5 tip to a content creator in Manila or a $20 payment to a freelance developer in Nairobi as use cases that demonstrate the potential utility of crypto. In this perspective, such transactions can demonstrate practical value more effectively than mimicking existing banking models on the blockchain.

High Cost Barriers and Blockchain Efficiency

Nailwal noted that traditional financial networks are still expensive for small transfers, citing data from the World Bank showing that remittance fees in Sub-Saharan Africa can exceed 7%. He contrasted this with blockchain-based solutions where stablecoins and low-cost networks can reduce costs to a few cents, thus making cross-border micropayments sustainable.

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The Polygon founder suggested that low-cost blockchain infrastructure could support new payment behaviors-such as recurring tips, streaming payments, or small business transactions-that are not practical in existing systems.

Broader Adoption Debate

The article situates this view within the larger discussion of what is driving global crypto adoption. While some industry participants focus on institutional inflows and regulatory clarity, others emphasize grassroots use cases that address everyday financial needs.

This view is increasingly reflected in industry developments: exchanges such as Binance and OKX recently launched crypto payment cards in Brazil, aiming to allow users to spend crypto on everyday purchases. Such infrastructure is in line with Nailwal’s argument about enabling microtransactions as a practical adoption path.

Conclusion

Nailwal’s views also highlight how Layer 1 and Layer 2 networks compete to handle low-cost, high-capacity transactions as a measure of scalability and user relevance. These comments add to the ongoing conversation about the real utility of crypto. Whether the next wave of adoption comes from large financial players or from billions of small transactions remains uncertain, but both dynamics continue to shape the evolution of the industry.

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Reference

• Crypto Times. Micro Payments Will Drive Real Crypto Adoption – Polygon Co-Founder. Accessed on October 8, 2025
• Featured Image: Cryptoslate