morph

Morph: Powering the Rails for Onchain Payments

Morph

Morph

— 4 min read
Morph: Powering the Rails for Onchain Payments

It's been an intense six weeks since our transformative partnership with Bitget in early September. This alliance has unlocked new scale, integrating BGB as our native token and tapping into 120 million users to power the ecosystem.

What started as a high-performance Layer 2 has evolved into something more purposeful: a unified push toward onchain payments. We've taken this time to distill our ambitions, zeroing in on what truly moves the needle for users and builders alike.

We want to take a moment to articulate how our vision will evolve, why we believe that this problem is important, and why our team is ideally positioned to tackle these challenges.

Unlocking Global Scale: From Millions to Billions

Traditional finance is being rebuilt from the ground up, with blockchain and stablecoins emerging as the clear choice for faster, smarter money movement. Stablecoin value in circulation has grown over 50% this year to $310 billion, with transaction volumes reaching $27.6 trillion in 2024, already surpassing networks like Visa.

While today’s crypto-native user base numbers in the tens of millions, we believe the true market for crypto-based financial services spans billions of users worldwide, unlocking new scale for everyday money movement.

By 2030, stablecoins could support up to $4 trillion in value and $100 trillion in yearly activity. These users will benefit from:

  • 24/7 Availability: Continuous access beyond banking hours for global operations.
  • Programmability: Embedded logic for automated settlements and yield generation.
  • Borderless Speed: Instant cross-border execution, reducing settlement time from days to seconds.
  • Cost Efficiency: Sub-cent fees that undercut traditional wires and card networks.
  • Liquidity Optimization: Direct multi-chain conversions that unlock and free trapped funds.
  • Regulatory Compliance: Frameworks like the GENIUS Act and MiCA ensure transparency, trust, and auditability.

Our Core: Mission, Vision, and the Settlement Layer

Morph is evolving into the settlement layer for a global payments network, reimagining how value flows onchain. We are creating the foundational infrastructure that turns stablecoins into everyday currency, seamless and borderless, while unlocking utility for over 120 million Bitget and Bitget Wallet users in payments and DeFi. Morph aims to enable onchain payments that are fast, frictionless, and secure, bridging the gap between crypto's potential and real-world utility for billions.

Vision: A world in which money moves as freely as information, for everyone, everywhere.

Mission: To provide the universal infrastructure for borderless payments and financial services, empowering developers, businesses, and users to build, transact, and innovate on One Global Settlement Layer.

We are building Morph as the settlement backbone for global payments, optimized through three core pillars that ensure trust, liquidity, and real-world adoption.

  • Fundamental Chain Infrastructure: A secure foundation for all activity on Morph, enabling high-volume flows such as enterprise settlements.
  • DeFi and Stablecoin Ecosystem: Liquidity and yields that keep funds flowing, supporting native stablecoin issuance and onchain returns.
  • Payments Networks Integration: Direct settlements for cards, payouts, and remittances on a global scale.
    • Stablecoin Payouts: Sending stablecoins for quick, low-cost distributions, such as OSL BizPay's cross-border remittances.
    • Stablecoin Acceptance: Accepting stablecoins for simple inbound processing, such as AEON and Paydify's merchant collections.
    • Automated Yield: Generating yields directly on holdings, integrated with Bitget Earn and Bitget Wallet.
    • Crypto Cards: Linking balances to cards for fiat spends, enabling seamless settlements for everyday transactions.

We are transforming Morph into the go-to settlement hub, with a focus on payment-optimized features:

  • Low-Fee Transactions: Zero-fee stablecoin and BGB transfers that reduce remittance and billing costs.
  • Easy Onboarding: Delegated accounts for fast user access and simplified business management.
  • High Speed: Sub-300 millisecond blocks and over 10,000 TPS for instant transactions and enterprise-scale batches.
  • Privacy and Security: Confidential transactions that protect user data and enable compliant business settlements.
  • Builder Tools: Rapid app creation using modular blocks for checkout, FX, and payroll flows.
  • Payment Features: Seamless merchant tracking for user payments, business billing, and rewards.

Roadmap: What’s Next for Morph?

Looking ahead, Morph is doubling down on infrastructure development and empowering builders to shape the future of onchain payments. This commitment builds on our strong foundation to deliver a scalable, developer-friendly ecosystem that drives real-world adoption.Our roadmap outlines the path toward establishing Morph as a purpose-built settlement layer for global payments.

Here's a high-level glimpse:

Q4 2025: Laying the Foundations

  • Add the EIP-7702 standard for Ethereum compatibility and flexible payments.
  • Enable ERC-20 gas fees using stablecoins or BGB.
  • Introduce new EVM precompiles and opcodes to improve developer experience.
  • Reduce block times to as fast as 300 milliseconds for faster confirmations.

H1 2026: Scaling for Real Flows

  • Boost gas limits to 45 million and support Path-Based State Storage (PBSS) nodes for lighter, more efficient operations.
  • Add onchain merchant keys for easier tracking and settlements.
  • Roll out zero-fee stablecoin transfers to reduce transaction costs.
  • Expand batch storage across blobs and optimize consensus for peak performance.

H2 2026: Frictionless and Secure

  • Integrate the Reth client for better performance and zk-proving capabilities.
  • Enhance read and write privacy to support protected, compliant transactions.
  • Launch BGB sequencer staking to decentralize and strengthen the network.
  • Add BLS validation on rollups and push beyond 10,000 TPS for high-volume throughput.

New Morph, New Look

As we move toward a world where money moves as freely as information, we are also refreshing our brand identity with a sleek, modern visual evolution. We will be rolling out updated logos, colors, and assets across our website, social channels, and developer documentation in the coming weeks to better reflect the speed and simplicity we are bringing to payments.

We are excited about what lies ahead and grateful to share this journey with you. Thank you for riding with us.

The best is yet to come.

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