In the Web3 era, payment is no longer just a transaction tool, but a bridge connecting social interaction, value creation and daily consumption.

Metya's payment brand, Metyacard, recently launched and officially upgraded to MePay, marking the platform's transition from a physical card service to a comprehensive PayFi ecosystem. This upgrade not only represents a brand refresh but also signifies a comprehensive deepening of Metya's presence in the Web3 payments space.

This upgrade allows MePay’s brand positioning to be more focused on Metya’s mission – “social is asset, payment is value”.

It seamlessly transforms the value users accumulate through social interactions into consumable assets. Through efficient and transparent payment mechanisms, it promotes the integration of Web3 applications into everyday life. MePay not only inherits Metya's core philosophy but also further strengthens the platform's competitiveness and sustainability through product iteration and data accumulation.

Brand positioning: Deep integration of PayFi and SocialFi

MePay's brand upgrade stems from a deep insight into the pain points of Web3 payments.

In the Web2 world, payment meant efficiency and security; but in the Web3 world, payment has been given a new value proposition—it's no longer an endpoint, but the starting point of a value cycle. Past projects like SocialFi, while enabling social interactions to create value, often stopped at on-chain points and tokens. Traditional payment tools, while enabling diverse consumer scenarios, lack the long-term development of user relationships.

MePay seeks to break this disconnect by organically integrating PayFi and SocialFi to build a closed-loop ecosystem where relationships drive consumption and value drives payments. Data generated by social behavior, such as reputation, influence, and interaction credentials, is assetized and converted into real value, which can be directly used for membership benefits, content rewards, offline consumption, and other scenarios.

This logic makes social interaction and payment no longer parallel, but mutually causal - social interaction creates value, payment verifies value, forming a cyclical growth.

MePay is committed to solving the "last mile" problem of Web3—making tokens truly part of everyday life. By streamlining exchange, settlement, and risk management processes, MePay ensures that users can easily transform on-chain assets into everyday payment tools. This strategy is built on three foundations:

• Relationship dataization: Record user behavior while protecting privacy and form a credit profile;
• Value assetization: Convert social contributions into NFT, points and other assets to unlock more rights and interests;
• Closed-loop consumption: rebates, subsidies and membership mechanisms constitute a self-driven growth cycle.

With this system, MePay is evolving from a payment tool to a leading brand in the Web3 social payment field.

Core data and product advantages: efficient and innovative payment experience

The upgrade of MePay is a product innovation driven by user needs.

Official data shows that the number of MePay card issuances has exceeded 100,000. Market recognition of the platform stems not only from its brand influence, but also from its product-level system optimization and service experience.

First, the card opening process has been completely revamped. Users can automatically open a card in seconds, eliminating the need for manual review and supporting unlimited card openings, significantly lowering the barrier to entry. A newly added centralized exchange function further simplifies the asset conversion process, allowing users to easily convert tokens like MET or USDT into spending funds. All transaction paths are recorded on-chain, ensuring transparency and security.

At the infrastructure level, MePay has expanded its banking network from a single UK bank to three global banks (Hong Kong, US, and UK), and supports 12 major currencies, including the US dollar, euro, and British pound. This upgrade not only covers everyday consumption scenarios but also provides a wider range of options for cross-border payments.

"Inclusiveness and practicality" has become MePay's new label, allowing Web3 payments to truly achieve a seamless experience of "spending value."

Furthermore, the synergy between MePay and the $MET token is amplifying.

$MET is not only a payment and settlement medium, but also serves as an incentive and governance function within the ecosystem. Every payment made by a MePay user triggers the actual circulation of tokens, the distribution of transaction fees, and partial destruction, forming a natural cycle of "use equals value." As transaction frequency increases, the actual demand for the token also increases, forming a complete value chain from social interaction to consumption.

Application layer and future planning

Metya, which started as a social platform, is now moving towards a "social + payment" dual-engine ecosystem.

At the application layer, the platform continues to expand the integrated experience of interaction and payment, with built-in AI-driven social matching and multilingual real-time communication functions, supporting chat and live broadcast translation in 138 languages, and controlling latency to sub-second level.

Through collaborative optimization of algorithms and cache, the system achieves smooth cross-language communication on a global scale, making Web3 social truly globally accessible.

Next, Metya will also launch a DID reputation system, a creator incentive program, an NFT gift system, and a fan list.

These features will make social behaviors quantifiable and transferable, allowing users to form a stable value mapping relationship between content creation, payment, and interaction, and allowing MePay to evolve from a "payment tool" to a "value portal" in the ecosystem.

Black Card: A symbol of high-end benefits

In the MePay system, black cards represent high-end benefits and are a symbol of identity for long-term participants.

Black card holders enjoy six exclusive benefits:

• One night accommodation in a luxury hotel
• One business class ticket
• Lifetime fee waiver
• Limited membership participation rights
• Exclusive gift set
• 50% dividend from payment platform fees

The black card is not only a status symbol, but also a value return from MePay to its core users and long-term supporters.

The direction of long-termism: PayFi's patience and boundaries

Regardless of market fluctuations and sentiment, Metya has always been working diligently on something that may seem "unsexy" but is of great long-term value - PayFi.

DeFi enables assets to move, SocialFi enables relationships to move, and PayFi enables everything to be settled.

When MePay can issue cards, pay bills, connect to Apple Pay, and be accepted by offline merchants, cryptocurrencies will truly transform from "speculative products" to "circulating currencies."

This path may be slow, but it is clear. It does not rely on market popularity, but on product capabilities, compliance promotion, and the implementation of real-world use cases.

MePay's brand upgrade is not just a product update, but also a key step for Metya in the field of Web3 payments.

When payment is no longer just a tool but an extension of social interaction and value, the significance of PayFi becomes even more profound - it allows digital assets to truly enter daily life, allowing connections and value to flow unconsciously.

Perhaps this is the long-termism of Web3 development: less noise and more patience.

And Metya is moving forward steadily on this seemingly long road.