Recently, something interesting is happening. TapTools is recommending Cardano through its integration with X Money. The idea is to transform X into a FinTech super app, but it seems there’s already been a lot of consideration during the blockchain selection phase.

What’s drawing attention is Cardano’s low scalability and energy efficiency. As infrastructure to support large-scale digital payments, a low-cost structure becomes important. The PoS mechanism also makes sense from an environmental standpoint.

And personally, what I find interesting is the potential for the ピアツーピアシステム. With Cardano’s low transaction fees, microtransactions and peer-to-peer transfers could become extremely efficient. User-to-user transfers within X, or small-value peer-to-peer payments, could suddenly become realistic.

The Cardano community is also moving. It’s promoting network decentralization, security, and smart contract functionality. If X Money fully gets started as a peer-to-peer system-based platform, it’s likely to create a new flow of payments.

It seems X Money hasn’t confirmed a specific blockchain yet, but it’s in the process of preparing for a release later this year. There’s also no end to speculation about integrating cryptocurrencies, including stablecoins. I think how seriously they plan to implement the ピアツーピアシステム will be the key.