In the accelerating world of Web3 finance, stablecoins are emerging as one of the most compelling technologies for global payments. However, stablecoin adoption at scale requires more than just a fast blockchain or a user-friendly wallet—it requires a tightly integrated ecosystem where infrastructure and applications work seamlessly together. This is exactly the relationship between BenPay and BenFen.
BenFen is the high-performance public chain optimized for stablecoin payments, while BenPay is the super-app built on top of it—bringing payments, trading, lending, P2P transfers, and merchant solutions into a single unified user experience. BenPay showcases the power of BenFen’s underlying technology, while BenFen provides the speed, security, and cost efficiency that make BenPay’s features possible.
BenPay: The Super App of the BenFen Ecosystem
BenPay is the primary gateway for users to experience the power of the BenFen chain. It integrates a full suite of Web3 financial tools into a simple mobile experience, including:
- BenPay DEX for swaps & perpetual trading
- BenPay Lending for collateralized lending
- BenPay Merchant for merchant payments
- BenPay Card for online & offline purchases
- On-Chain Red Packet for user-to-user transfers & red envelopes
- Native stablecoin payments using BUSD
- BenPay DeFi Earn for access to top DeFi protocols
BenPay is designed to operate like a Web3 equivalent of Alipay or Cash App—simple, unified, and frictionless.
But what makes these features possible is the underlying infrastructure provided by the BenFen public chain.
BenFen: The High-Performance Public Chain Powering BenPay
BenFen positions itself as the Web3 version of the SWIFT system: a global, decentralized network designed specifically for stablecoin payment scenarios.
Why BenFen Exists
Traditional cross-border payments face long settlement times (2–3 days), high costs (5–10%), and limited global coverage. In contrast:
- Stablecoins enable near-instant settlement
- Blockchain allows global, 24/7 accessibility
- Users do not need a bank account
- Transfer fees can fall to cent-level
BenFen was built from scratch to fully unlock these advantages.
Key Features of BenFen Chain
- Move programming language
More secure than Solidity or Rust, with built-in resource control, strict typing, and formal verification. - DAG-enhanced consensus
Enables tens of thousands of TPS, <0.5 second latency, and finality nearly equal to latency. - Ultra-low gas fees
Less than $0.001 per transaction, far lower than Ethereum or many L2s. - Native stablecoins including BUSD
Backed by a treasury mechanism and dynamic liquidity regulation. - Smooth UX with zkLogin
Users can log in directly using Google or Apple accounts, no mnemonics required.
This combination of security, performance, and UX is what enables BenPay to operate as a true super app.
Why BenPay Was Built on the BenFen Chain (Not Ethereum, Solana, or Base)
Most existing public chains were not built specifically for stablecoin payments. They face issues such as:
- High gas fees (Ethereum)
- Long settlement finality (L2s like Base)
- Lower contract safety (Rust/Solidity vs. Move)
- Congestion during peak periods
- Fragmented app ecosystems
BenFen eliminates these limitations through a laser-focused design:
Purpose-built for stablecoins
Every layer—from consensus design to liquidity regulation—is optimized for:
- Payments
- Merchant services
- Cards
- P2P transfers
- FX-style stablecoin minting (BUSD, BINR, BJPY, BEUR, etc.)
One unified ecosystem
Instead of many competing apps fragmenting liquidity (as seen on Ethereum or Solana), BenFen aligns all value capture under one super app (BenPay).
Superior UX for mainstream adoption
BenPay removes the usual Web3 friction:
- No mnemonics
- 0.5s settlement
- <$0.001 fees
- Universal stablecoin usage
- Direct on-chain identity (BenFen KYC)
For mass adoption of stablecoin payments, these features are essential.
BenPay’s Role in the BenFen Ecosystem
BenPay is not just “an app” running on BenFen—it is the centerpiece that drives actual stablecoin usage.
1. Native Payments & Transfers
Users can send BUSD instantly via QR codes, usernames, or red-envelope style transfers—mirroring familiar Web2 experiences.
2. On-chain Swaps & Perpetuals (BenPay DEX)
BenPay DEX uses BenFen Oracles to enable:
- Spot trading
- Perpetual contract trading
- Instant minting/redemption of BUSD
Dynamic liquidity ensures stable exchange rates and low slippage.
3. Collateralized Lending
Users can deposit assets like BTC and borrow BUSD immediately.
For example:
- User deposits BTC → receives bBTC on BenFen
- User uses bBTC as collateral
- User borrows BUSD
- User swaps BUSD → USDT
- Funds can be bridged to EVM chains
This combines CeFi-level liquidity with DeFi-level transparency.
4. Merchant Payments & BenPay Card
BenPay provides merchants with:
- Crypto payments
- Instant settlement
- Refund management
- BUSD-denominated commerce
The BenPay Card allows users to make offline purchases directly using crypto balances.
5. Deposit/Withdraw (P2P) & Cross-Chain Onboarding
BenFen Bridge and BenPay P2P allow users to easily move assets between chains or convert between fiat and crypto.
Why This Ecosystem Matters: The Stablecoin Megatrend
Industry data shows explosive growth:
- Stablecoin monthly settlement grew from
$218B (2021) → $5.1T (2024) - By 2030, stablecoin transfer volumes could reach
$38 trillion per year
Meanwhile, countries like the US, EU, Japan, Singapore, and the UK are now introducing stablecoin regulatory frameworks—creating the conditions for mainstream adoption.
BenFen + BenPay is built precisely for this future.
Why BenFen Attracted Large-Scale Investment (e.g., $10M from Bixin Ventures)
Bixin’s investment thesis highlights several core strengths:
- A massive market opportunity:
Cross-border payments, remittances, and global commerce represent tens of trillions in volume. - Purpose-built infrastructure:
BenFen solves what existing chains cannot—safety, speed, cost, and finality optimized for stablecoins. - Complete ecosystem design:
From stablecoins to payments to merchants to cards, the ecosystem is cohesive and synergistic. - Exceptional user experience:
That makes onboarding 10M+ users realistic.
This combination enables BenFen and BenPay to challenge legacy financial systems like SWIFT while offering a Web3-native alternative.
Risks and Considerations
As with all emerging networks, several risks exist:
- Validator centralization (currently 18 active validators)
- Smart contract risks despite Move’s enhanced security
- Early-stage adoption of BUSD compared to USDT/USDC
These represent areas of continued development and growth for the ecosystem.
Conclusion: BenPay as the User Layer of the Web3 Swift Network
BenFen provides a secure, fast, and scalable chain infrastructure.
BenPay transforms that power into real, everyday financial use.
Together, they create a closed-loop stablecoin ecosystem that:
- Settles payments instantly
- Costs less than a cent per transaction
- Supports global 24/7 usage
- Bridges Web2 and Web3 seamlessly
- Captures value through a unified token economy
As global stablecoin regulation matures and demand grows, BenPay is positioned to become the leading super app for stablecoin-powered payments, while BenFen becomes the stablecoin-optimized public chain powering the next generation of cross-border finance.