The future of crypto payments won't include on-ramps or bridges, Fun CEO says
Fun CEO Alex Fine argues that the future of crypto payments lies in embedding blockchain infrastructure directly into applications, effectively eliminating the need for manual on-ramps and bridges. The company provides backend APIs to simplify transaction flows for fintechs and decentralized platforms.
Why it matters
This shift toward 'invisible' infrastructure is essential for the mass adoption of blockchain technology, as it removes the technical barriers currently hindering mainstream users.
Rather than forcing users through separate funding, bridging and conversion steps, Fine said the next generation of crypto applications will embed payments directly into the user experience, abstracting away the underlying blockchain complexity. The shift, he argued, mirrors traditional Web2 payments, where consumers rarely think about the infrastructure processing their transactions.
"The age of on-ramps will be completely dead and the age of external bridging sites will be dead," Fine told CoinDesk in an interview. "Nobody wants to use a bridge for the purpose of using a bridge. They want to use an application."
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