Why PayFi Coins Coldware & XRP Capture Meme Hype Wave, Shiba Inu Investors Split Holdings

The crypto world is witnessing a fascinating cultural shift. PayFi coins—cryptocurrencies focused on payment solutions—are suddenly generating the kind of viral excitement typically reserved for tokens featuring cartoon dogs and frogs. 

At the center of this unexpected convergence are Coldware and XRP, two projects that couldn't be more different from meme coins in their technology, yet somehow capture the same electric community energy.

While most aren't abandoning their beloved dog tokens entirely, they're increasingly allocating portions of their portfolios to PayFi projects. Both Coldware's presale and XRP's recent trading activity show growing interest from addresses previously focused on meme coins. 

Let’s see what’s going on.

The PayFi Revolution - How Coldware and XRP Are Changing the Money Game

PayFi represents a fundamental shift in how we think about crypto. Unlike the first wave of digital assets that focused primarily on being "digital gold" or the second wave centered on smart contracts, PayFi coins tackle something more immediate: making digital money actually useful for everyday transactions.

Coldware approaches this challenge through a unique hardware-first strategy. Rather than building yet another blockchain and hoping for adoption, they've created an ecosystem where the Larna 2400 smartphone and ColdBook laptop serve as physical gateways to their payment network. 

This tangible element gives newcomers something concrete to understand—a refreshing change in a space dominated by abstract concepts.

"We're building for the billions of people who don't care about blockchain but do care about sending money instantly without fees," explains Coldware's website. 

XRP takes a different but complementary path in the PayFi revolution. As one of the oldest payment-focused cryptocurrencies, Ripple's token has weathered regulatory storms to emerge as a serious contender for cross-border payments. 

What unites these seemingly different projects is their laser focus on solving real financial problems. Both address the fundamental issues that plague traditional payment systems: high fees, slow settlement times, and accessibility barriers. 

This practical approach stands in stark contrast to meme coins, which typically offer little utility beyond community participation and speculative potential.

Yet paradoxically, by focusing on utility rather than hype, Coldware ($COLD) and XRP have generated their own form of excitement. Market observers note growing social media mentions for both projects, with hashtags related to PayFi gaining traction across platforms where meme coins once dominated the conversation.

Coldware Makes Tokenization Easy for Everyone

Coldware ($COLD) is making tokenization simple, fast, and accessible—even for people with zero blockchain experience. 

Its Proof-of-Stake (PoS) model removes the usual complexity, letting users stake tokens and create digital assets through mobile or desktop devices—no expensive validator hardware needed. 

Coldware also supports low-cost transactions and offers auto-compounding staking rewards, so users can maximize returns without lifting a finger. Its LiteNode tech allows seamless staking via smartphones and IoT devices, opening the door to mass participation. 

Whether you're an investor, a business, or just curious, Coldware ($COLD) makes blockchain frictionless. Plus, with secure infrastructure and support for traditional finance integration, it's built for real-world use.

Final Thoughts

Coldware and XRP aren’t chasing hype—they’re building something useful. While meme coins like SHIB still have their loyal fans, more investors are waking up to the idea that utility matters. 

Coldware’s hands-on hardware and XRP’s proven role in global payments both show what the next phase of crypto could look like: fast, affordable, and actually usable. If the PayFi trend keeps growing, coins with real-world value might finally take center stage—and those getting in early could be glad they didn’t stick to the memes.

For more information:

Website: Coldware (COLD)

Telegram: https://t.me/coldwarenetwork

X: https://x.com/ColdwareNetwork

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.