CEO CoinsPaid: Why Trust in Centralization Can Be More Effective Than Smart Contracts

«My clients find it much easier to trust me than a smart contract. They have a clearer understanding of who I am compared to the concept of a smart contract,» he emphasized.

According to Krupyshev, centralized solutions are often more effective and user-friendly, particularly in the B2B segment where trust, support, and clear definitions of responsibility are crucial.

The expert also commented on regulation, lamenting the lack of clear guidelines:

«The only thing worse than poor regulation is opaque regulation.»

When discussing the integration of artificial intelligence into payment services, he expressed skepticism. In his view, the industry currently lacks a distinct demand for AI solutions:

«We won’t see AI agents in payments anytime soon,» he added.

Additionally, Krupyshev highlighted the irrational behavior of users. He pointed out that many continue to use the relatively expensive stablecoin USDT on the Tron network, disregarding more cost-effective alternatives. This, he noted, is a clear example of how the force of habit influences blockchain choices during transactions.

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