PayPay is a popular cashless payment app in Japan. I see opportunity for an onchain equivalent built on stablecoins to make it work worldwide and give people access to defi. 

core features
- Pay friends
- Pay businesses
- Earn yield on balance
- Earn points for spending

building GALLERY 
https://gallery.so/kaito


and something new /moshicam

additional features:

- Currency exchange (wise, revolut experience for travelers)
- Lending (yield via defi)
- Bill payments
- Built in loyalty programs
- Use to pay for online shopping
- Cash out via ATM

crypto based everything app

why crypto?
1. paypay is great but the money feels siloed within the app. crypto rails makes it more fluid.
2. Japan only. would be great to an app like this that's accepted as a payment method globally like visa/mastercard. imagine merchants around the world accepting usdc

An open lending and borrowing DeFi protocol built on Base, Moonbeam, and Moonriver.

Earn, Borrow, Build on Morpho 
/morpho and app.morpho.org

Base

@send seems on their way to building something like this 

can also see @coinbasewallet looking like this. or maybe they ship another app under a different name. feels like a strong way to get the world on /base

3. give access to defi. earn yield on sitting cash via protocols like @morpho or @moonwell 
 
4. immediate settlement like using cash