On-chain payments have been looking for a breakthrough: how to enable users to directly use self-custodied assets for offline or local platform transactions, skipping the centralized account step?

Recently, an interesting development has been discovered. A Visa card product has successfully tested on a local payment platform in Indonesia—users can directly deduct funds to buy phone credits, and the process works smoothly. It was stuck last month, but now it has been connected. This may seem like a small detail, but it actually carries significant meaning.

Because this represents the connection between on-chain assets and traditional payment systems moving from theory to practical implementation. Assets in self-custody wallets can directly interface with real-world consumption scenarios, which is the key step for Web3 payments to truly take off. Indonesia, as a hub of payment innovation in Southeast Asia, once such breakthroughs mature, they are bound to trigger follow-up developments in other regions.