From Bot Wallet to All-in-One Financial Ecosystem: Cwallet 3.0 Evolution in Progress

All along the way, Cwallet has been relentlessly evolving its products around users.

Written by: TechFlow

"Our goal is not packaging, but more effective communication." This statement left a deep impression during our initial communication with the wallet project Cwallet two years ago.

At that time, the project had just completed its transformation from 1.0 to 2.0: rebranding from CCTip to Cwallet, daily active users surpassed 100,000, and it began to make a mark in the wallet sector.

The conversation two years ago lasted for hours, during which Cwallet meticulously introduced its 2.0 product logic: on one hand, it continued its community roots, providing tools such as community airdrops, batch transfers, and giveaways; on the other hand, it gradually expanded wallet functions, such as instant swaps, top-ups, and gift card purchases, supporting users to utilize crypto assets in richer, real-life scenarios.

Regarding product design philosophy, Cwallet stated:

"We started as a social media Bot, so we value the voices of the community and users. We believe that when real user needs are seen and realized, it will attract a larger user base."

Today, two years later, Cwallet has grown into a platform supporting over 60 blockchains and thousands of crypto assets, attracting more than 37 million users. With a brand-new visual upgrade, it has entered the '3.0 era' of transformation and upgrading.

When talking about the new products and features of 3.0, the Cwallet team remains as talkative as ever:

"We have done a lot of work for the arrival of 3.0, including basic trading optimization, financial products, Meme market, XStocks trading, Cozy Card, and the upcoming contract trading, etc."

It is clear that from asset management and on-chain interaction to investment, wealth management, and consumer payments, Cwallet 3.0 aims to create a Web3 financial platform that can be used anytime and anywhere, becoming a true one-stop crypto financial partner for users. Whether you are a Web3 newbie or a seasoned player, your needs can be met and you can enjoy the process.

Looking at Cwallet's ecological progress since the 3.0 transformation, from focusing on user experience as a Web3 ecosystem traffic gateway to building an on-chain financial ecosystem for the next billion users, Cwallet has already achieved remarkable results.

7 Years, 0 Incidents: A Safe and User-Friendly Wallet under the Web2.5 Product Philosophy

In the crypto world, wallets are the first step for users to enter Web3, and user experience is crucial. In an environment where giants like MetaMask, Trust Wallet, and exchange wallets are already very mature, how did Cwallet, starting from a Bot, develop to have tens of millions of users?

**First is security.** As an asset management tool, security is the lifeline. Cwallet has withstood the test of the market, achieving 0 incidents and stable operation over 7 years. This is rare in the crisis-ridden crypto "dark forest," providing reliable protection for tens of millions of users.

The platform supports decentralized wallets where users manage their own private keys, as well as centralized wallet services secured by 2FA and MPC technology. Even if you forget your password, you can recover it (but with a 24-hour asset transfer restriction to enhance security).

**Second is ease of use.** Positioned as "Web2.5," Cwallet aims to eliminate the gap between Web2 and Web3, lowering the entry barrier for users. It supports convenient login methods such as email, phone, and Apple ID; integrates and seamlessly switches between custodial and non-custodial services; supports gas-free transfers; and offers both mobile app and desktop web versions, all available on mainstream app stores. These measures are designed to bring the next billion incremental users into Web3.

But these seem to be standard features for wallets. Cwallet's ability to accumulate over 37 million users goes far beyond this.

**Cwallet sees the wallet as a bridge connecting Web2 and Web3, fully leveraging the massive user base of mainstream Web2 social media,** including Telegram, Twitter, and Discord, each with hundreds of millions of users. This is a significant feature that distinguishes Cwallet from other wallets.

Cwallet's initial user growth stemmed from the viral spread and fission of its TG Bot, providing a "foolproof" product experience that even beginners could easily use. Subsequently, Twitter Bot and Discord Bot were launched, offering integrated services from asset management and community creation to batch reward distribution, greatly improving community management efficiency and subtly guiding Web2 users on-chain. These three work together to build a powerful Web3 influence network.

**As user aggregation brings more trading and interaction needs, Cwallet continues to innovate features and, through the composability of different tools, offers users a more convenient experience.** For example, the Giveaway tool focused on community growth offers automatic task verification, fair draws, and automatic prize distribution; batch payment function allows one-click crypto transfers to multiple people; and Airtime top-up service lets users recharge mobile phone credit with crypto anytime, anywhere. In addition, Cwallet's Toolkit includes tip codes, airdrop arena, payment buttons, gift cards, and more.

In short, any wallet function you can think of, Cwallet has it; and for wallet innovations you never imagined, Cwallet provides them too.

From Basic Wealth Management to Diverse Trading Modules: A One-Stop Crypto Financial Ecosystem Takes Shape

Building products, features, and tools that users truly need has always been the conviction of the Cwallet product team.

From 1.0 to 2.0, Cwallet's initial user accumulation came from a long-ignored market. This edge-in strategy allowed the team to find a unique position in the fiercely competitive wallet sector.

Entering the 3.0 stage, by building a complete Web3 financial ecosystem, the Cwallet team is implementing a "surround and converge" strategy. This ecosystem can fully meet the diverse needs of everyone from Web3 beginners to seasoned players, surprising them with continuous upgrades in experience.

After building a safe and easy-to-use wallet as a bridge between Web2 ⇆ Web3, Cwallet continues to focus on user demands, exploring multiple scenarios around yield generation, asset trading, and consumer payments, gradually extending from a wallet to a Web3 financial gateway covering the entire asset lifecycle: trading, wealth management, lending, investment, and more.

Cwallet Earn: A Web3 Version of Yu'e Bao with Annualized Yields up to 10%

In the crypto world, if money can't generate more money, it's a waste.

Thus, Cwallet's on-chain wealth management product "Earn" was launched.

For Cwallet Earn, which directly addresses users' wealth management needs, the Cwallet lead said: "We hope that through this design, users can experience the convenience and security of Yu'e Bao in the Web3 world, while also enjoying the earning opportunities brought by crypto wealth management."

Compared to operating complex DeFi protocols yourself, Cwallet Earn's wallet-based wealth management is more worry-free, stable, and has a lower threshold.

Cwallet Earn supports both flexible and fixed-term modes. Users only need to lock assets on the feature page to easily earn yields, with a minimum investment of just 1 USDT.

**Flexible yields can reach 5%, and fixed-term up to 10%.** Different lock-up periods correspond to different yields, while maintaining stability. Assets start accruing interest immediately after deposit (flexible: second hour; fixed: second day), allowing users to monitor asset dynamics at any time. In emergencies, users can cancel orders at any time, making operations flexible and reassuring.

Cwallet Lending: Fixed-Rate Financing Unlocks Crypto Asset Flexibility

Excellent wealth management products should make users feel free, open, and simple, and allow them to truly experience the joy of a "fatter wallet." In addition to "Earn," Cwallet Lending is also a great choice for users to participate in on-chain wealth management.

The original intention of designing Cwallet Lending was to help users flexibly manage assets and respond to market changes, so that every penny can "move," truly experiencing the freedom and convenience of the Web3 world.

The operation is very simple: users only need to use BTC, ETH, or USDT as collateral to quickly borrow other cryptocurrencies and seize trading opportunities they favor. The entire process is transparent and secure; collateral will be returned or automatically processed within the specified period, making operations convenient and worry-free.

Meanwhile, Cwallet Lending offers short-term 7-day fixed rates as well as long-term perpetual fixed-rate modes, allowing users to choose flexibly according to their own situation. Interest rates are calculated hourly, with an annualized fixed rate of only **13%**, helping users leverage more funds at low cost.

Trading Experience Optimization: More Seamless, Simpler, and More Efficient

The core function of a wallet is asset circulation. Cwallet's built-in instant swap feature supports 60+ blockchains and 1000+ assets, aggregating mainstream CEX and DEX to provide the best prices, instant experience, and deep liquidity. Notably, instant swaps have no service fees or minimum transaction limits, further reducing user trading costs and increasing freedom.

In today's world, where "Web2 users want to enter, and Web3 users want to exit," Cwallet is committed to breaking the barriers between Web2 and Web3 assets, allowing every user, regardless of country, to manage crypto assets as conveniently as operating a local bank.

**The fiat on/off ramp feature is the key link for Cwallet to directly connect Web2 and Web3. Through the Buy & Sell section,** users can easily convert fiat to crypto or vice versa, achieving seamless transactions. This service now covers over 150 countries and regions worldwide, supports more than 100 mainstream fiat currencies (such as USD, HKD, THB), and over 50 payment channels (including Paypal, Google Pay, Visa, Mastercard, etc.), allowing users to directly purchase over 500 cryptocurrencies.

This comprehensive service makes Cwallet an efficient and secure bridge between the Web3 world and traditional finance, allowing global users to truly experience the convenience and freedom of trading.

From Meme, XStocks to Gaming: Diversified Market Exploration and Gamified Practice

After connecting basic trading between Web2 and Web3 assets, Cwallet also wants to make trading richer and more efficient. The recently launched Meme market and XStocks trading are two major attempts by the team in diversified asset layout.

The Meme market allows users to exchange or directly purchase popular Memecoins with a low threshold, and even buy them with fiat in one click, achieving a one-stop "see and buy" experience.

XStocks trading brings traditional financial assets into the crypto world, allowing users to easily trade both cryptocurrencies and US stocks on the same platform. For users accustomed to traditional finance, this intuitive operation helps them quickly get started and integrate into the crypto market.

While continuously expanding the trading experience of diverse asset classes, Cwallet is also actively introducing more engaging and fun interactive mechanisms. **The "Trend Trade" and "Market Battle" features, launched in August, are important additions,** cleverly transforming the originally dull price fluctuations into lightweight, instant, competitive, and immersive interactive experiences. Users can explore the crypto world in a more entertaining way with a lower threshold.

Trend Trade is a fast and low-threshold game: users can participate with as little as 1 USDT, predicting the future price movements of over 20 cryptocurrencies including $BTC, $ETH, $DOGE, and $SOL. Results are based on real-time market data, and users who predict correctly can win rewards.

If Trend Trade is about individual judgment, Market Battle is a contest between two forces: two users bet on the short-term price movement of the same asset, and the winner takes the entire prize pool.

The "Trend Trade" and "Market Battle" features are important initiatives by Cwallet to lower the entry barrier to crypto through gamification and attract more new users to explore the crypto ecosystem.

These two features not only enrich trading dimensions within users' risk tolerance but also represent the platform's active attempt to lower the participation threshold in the crypto world through gamification, attracting more new-generation users to enter and understand the blockchain ecosystem.

Cozy Card: From Crypto Niche to Mass Consumer Payment World

When it comes to consumer-level scenarios, the Cwallet team has a more straightforward understanding:

"We believe that truly good products can be immediately used by ordinary people even in countries with underdeveloped financial systems. Simply put, we want Indonesian users to be able to buy fried chicken with crypto."

For wallets, trading and wealth management are basic skills, but how to truly bring crypto assets into daily life is the ultimate test. The crypto payment card Cozy Card is Cwallet's core initiative to lay out consumer-level payment scenarios and realize the vision of "letting Indonesian users buy fried chicken with crypto."

As a virtual debit card launched by Cwallet, Cozy Card supports direct spending of multiple cryptocurrencies including USDT, USDC, BTC, ETH, XRP, SOL, TRX, BNB, DOGE, ADA, LTC, and DAI. It also supports mainstream payment channels such as Google Pay, Alipay, WeChat Pay, PayPal, and Apple Pay. Users only need to top up the card to spend at merchants supporting Visa/Master Card, with no need to convert to fiat in advance—cross-border or instant transactions are not a problem.

**Cwallet has endowed Cozy Card with a wide range of consumer payment scenarios,** enabling cardholders to easily use crypto assets for payments whether at home, traveling, shopping at supermarkets, or buying coffee (different versions may have slight differences in some channels, please confirm when applying for the card).

At the same time, compared to the risk of frozen cards that may occur with C2C cash-out, Cozy Card offers a more direct and flexible payment experience.

Cozy Card still maintains a clear advantage in fees: **top-up fee is only 1.6%, cross-border transaction fee is 1.5%, regular transaction fee is 0%, and monthly fee is 0,** further bringing cardholders a low-cost, low-friction global payment experience.

To meet different needs, Cwallet offers multiple versions of Cozy Card. The online virtual card versions include USD Master, USD Pro, and Cozy Infinity, while the physical card version is USD Premium. Consumers can apply according to their needs, experience the charm of crypto payments, and become "innovation pioneers" on the road to popularizing crypto payments.

From the 1.0 version TG Bot, which accumulated initial traffic and reputation as a "social payment newbie";

To the 2.0 version upgrade to a wallet platform, actively responding to community demands, continuously accumulating users, and lowering the threshold through improved features and tools;

And now, through the C2C market, Earn, Lending, Cozy Card, and increasingly rich trading modules, accelerating the transformation into a one-stop financial hub, the evolution path of Cwallet 3.0 is clearly emerging: from a wallet traffic gateway to a one-stop financial ecosystem.

All along the way, Cwallet has been relentlessly evolving its products around users.

For the upcoming Q4 of 2025, we also see a clear roadmap for Cwallet's future:

• Take the lead in launching the perpetual contract (Perp Trading) engine, enabling every user to become a "professional crypto hunter"

• Continue to expand spot trading (Spot Trading) features, creating a comprehensive, high-performance "main trading venue"

• Deeply optimize on-chain earning strategies, allowing users' assets to truly achieve "wealth begets wealth"

• Fully build instant messaging (IM), promoting platform socialization, and enabling users to "earn money while chatting" as soon as possible

All plans are aimed at achieving more usable, practical, and richer product goals, in line with Cwallet's "user-centric" positioning.

The massive scale of 37 million users powerfully validates the success of Cwallet's "user first," "deep market penetration," and "one-stop financial ecosystem" strategies.

As each roadmap milestone is achieved, where will Cwallet's next evolution be?

"Our entire team upholds a deeply ingrained product and R&D gene. From engineers to operations, every piece of feedback drives Cwallet's self-innovation. Evolution has no end; the best is always at the next stop, and we will strive for continuous iteration."

Facing infinite evolution in the future, the Cwallet team has given its answer.