Blockradar - Secure Stablecoin Wallet Infrastructure for Fintechs

Designing crypto products in emerging markets taught me one thing: if users don’t trust it, they won’t touch it. Web3 keeps shipping for developers and not people with confusing flows, technical jargon and zero safety nets. Until using a dApp (decentralized applications) feels as seamless as M-Pesa or Revolut, we’re not onboarding the next billion users onchain. We’re just impressing ourselves. This post is a call for human-centered design: a look at how blockchain UX became one of the biggest barriers to adoption and why the next billion users will only come when we start designing for people and not systems.

The Fragmented State of Onchain Experience

Blockchain promised a revolution. What we got was a user experience crisis. For over a decade, we’ve built infrastructure designed for systems and developers, not people. Today, many industry experts boast incredible innovation: programmable money, permissionless networks, and composability at scale. But for the average user, onboarding still feels like solving a puzzle with missing pieces. If we truly want to bring the next billion users onchain, we need to ask a different question -is it usable or just technically impressive?

To the average user, web3 feels like a maze of disconnected experiences. Each dApp feels like a different operating system. Wallets don’t talk to one another smoothly. Gas fees confuse new users. Bridging and swapping UIs feel like navigating JFK during a chaotic layover, and just when users think they’ve figured it out, a new puzzle appears.

This isn’t a scaling problem or a tooling problem. It’s a design problem rooted in how early web3 builders assumed users would just “figure it out.” But the reality is: most haven’t and won’t. Not because they’re unwilling, but because it’s cognitively exhausting.

For traditional fintechs, user flows are built around trust, simplicity, and speed. You tap a few buttons, get a confirmation, and move on with your life. Meanwhile, in web3, you’re thrown into a sea of jargon: wrapped tokens, RPC errors, seed phrases, slippage, L2s, bridges, multisigs. We’ve created an environment where even experienced users are constantly googling.

This is the chasm UX must cross.

The Fintech Advantage: Seamlessness and Trust

Take a look at modern fintechs like Cash App, Wise, Revolut, Alipay, and M-Pesa. None of them explain the backend because no one outside the team cares about it. They succeed by minimizing the felt complexity of the transaction. Users don’t need to know about the financial plumbing, they just need outcomes.

Web3 often does the opposite. It invites users int othe plumbing. It forces them to understand consensus mechanisms, custody models, or token economics just to complete basic tasks. This is not empowerment, it’s friction disguised as transparency and innovation (someone has to say it).

If fintechs taught us anything, it’s that trust is earned through clarity, not exposure to complexity. That trust leads to habit, and habit leads to mass adoption.

Clarity promotes trust and adoption.

Design as Infrastructure

In web3, we often talk about infrastructure in terms of nodes, bridges, or zk-rollups. But a good design system is infrastructure as well. It’s the invisible layer that enables access, trust, and flow across products, teams and end users. Design isn’t just about colors or fonts, it’s about creating predictability and consistency. Great design helps users know what will happen when they interact with a product. A usable interface answers three critical questions for the user:

What action am I taking?
What will it cost me? (can be time, money, data, etc.)
What happens next?

Unfortunately, many dApps skip these essentials and throw users into the deep end, Connect Wallet!

What if they have never used a wallet before and are only familiar with terms like sign in, sign up, create account and so on? Asking users to connect their wallet without clear information on how it works or how to get started is the first step towards losing them and that is not the goal.

Even till date, traditional products are still rethinking their concept of onboarding. Most recently, I saw how Lovable did an exceptional iteration on their sign in page while trying it out, adding one very small detail (last used) on the side of the button when a user returns to access their account again made a significant difference, strong and impactful enough to have made Matt Boyle give them a shout out on Linkedin! That is what thoughtful, predictable and consistent design does - it simply answers the questions way before they are asked!

Good UX helps users feel safe in the unknown. It wraps novel concepts in familiar patterns. It doesn’t dumb things down, it makes the experience feel intuitive. In a world moving toward financial autonomy and digital sovereignty, usability isn’t a luxury, it’s a requirement. Some remarkable products that have done incredibly well in these areas, especially around wrapping novel concepts in familiar patterns are:

Apple Pay
Cash App
Stripe
Wise
Revolut
Linear
Notion

Products with remarkable products.

Abstracting the Jargon Without Compromising the Power

One of the big fears in the web3 design circles is:If we simplify too much, users won’t understand what they’re signing or doing. But here’s the thing: abstraction doesn’t mean deception. It means surfacing context when it’s needed, and removing it when it’s not. At Blockradar, we lead with this philosophy by empowering our customers to seamlessly abstract away blockchain complexities and deliver simple, intuitive stablecoin experiences to their users.

Users don’t need to understand cryptographic hashing to use Ethereum, just like they don’t need to understand SSL to use HTTPS. The job of UX is to introduce complex technologies without the user knowing about the underlying tech-stack.

Smart UI patterns—like progressive disclosure, transaction previews, and real-time simulations—can make powerful tools accessible. These patterns allow us to abstract without obscuring, and inform without overwhelming.

Onboarding the Next Billion: Lessons from the Internet

Think back to the early days of the internet. You had to know how to use dial-up, configure settings, and browse clunky directories, then browsers, search engines, and smartphones abstracted all that away. The same must happen in web3.

The next billion users care less about decentralization, we’ve seen how that has played out over the last decade and have learnt the hard way. They’ll care about:

Access: Can I use this on my phone?
Speed: Can I complete an action in seconds?
Clarity: Do I know the most important thing that’s happening when I take action?
Recovery: What happens if I do something wrong?

These aren’t technical challenges alone—they’re design and experience challenges as well.

Final Thought: A Human-Centered Product Experience

For the onchain world to grow, it must meet people where they are—not where developers want them to be. We need more products that prioritize emotional intelligence and behavioural patterns over technical complexity.

The future of web3 isn’t just about better blockchains. It’s about better experiences. Because the fact is: users aren’t avoiding blockchain—they’re avoiding confusion, risk, and frustration, and because it deals quite a lot with their finances, it becomes even more personal.

Get rid of those, and the next billion users will be here faster than you can say “permissionless.”

About Blockradar
Blockradar provides secure, developer-friendly stablecoin infrastructure for fintechs. Our non-custodial wallet APIs, transaction monitoring, and AML compliance tools make it easy to launch and scale stablecoin-powered financial services. From USDC and USDT payouts to onchain expense management, we help companies move money instantly and safely across borders—without building blockchain infrastructure in-house.

Blockradar is trusted by payment platforms, remittance providers, and Web3 startups building the future of finance.