PayFi is the next chapter of DeFi. DeFi gave us decentralized exchanges, lending protocols, yield farming. PayFi takes it further. It connects on-chain liquidity to real-world payment demand. Not just trading. Not just holding. Actually moving value — across borders, across currencies, at the speed of the internet. $100B in stablecoins moves daily. PayFi is the infrastructure that makes that movement useful. O2Ramp is PayFi. Not a promise. A live network. The rails are open.