Crypto Payments Will Be ‘Invisible’ in 3 Years, Says Mercuryo Cofounder

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Mercuryo, a global payments infrastructure company powering fiat-to-crypto rails for the likes of MetaMask, Revolut, Ledger, and Trust Wallet, says demand for compliant crypto payment solutions is rising despite tighter regulations. In this interview with Cryptonews, Mercuryo co-founder and Chief Operating Officer Greg Waisman argues that compliance is now a competitive advantage as traditional banks look to embed crypto directly into their services. He also talked about zero-knowledge (ZK) proofs and how the technology could align privacy with regulatory demands for faster payments.Yet the biggest hurdle to mass adoption is usability. New research shows a widening access gap between high-income and lower-income users, many of whom face high fees of up to 20%. Waisman spoke about how to close this gap by making crypto payments seamless, affordable, and ultimately invisible to the end user.Cyptonews: I understand that Mercuryo supports payment infrastructure for some of the biggest names in crypto. How has demand for fiat-to-crypto rails evolved amid tighter regulation and shifting investor sentiment?Greg Waisman: When we started Mercuryo in 2018, there was a huge gap between interest in crypto and the ability to actually use it. It was incredibly difficult and expensive for people or businesses to move between fiat and crypto. Buying $100 worth of crypto could even cost $12 in fees. We saw this inefficiency as an opportunity. Fast forward to today: Fees of under 3% are commonplace and global infrastructure has become far more mature.A more regulated market means more reliable providers, better standards and stronger user protections.Demand for crypto-to-fiat technology has only grown with increased regulation. What’s changed is who is driving that demand. Fintechs, payment companies and even traditional financial institutions looking to embed compliant crypto payment options directly into their services. The sentiment isn’t shifting away from crypto, it’s just focusing on responsible and regulated participation in the crypto market. As the regulatory environment continues evolving, institutional players will continue to recognise the need for secure and licensed infrastructure. CN: You’ve described compliance as a “competitive advantage.” How do you use regulation to push the industry forward instead of holding it back? In other words, what sort of frameworks can meet compliance standards while remaining accessible to regular users?GW: To compete in a complex regulated market you need good compliance. Regulation sets the rules of engagement, and a company that fully and immediately embraces these rules will be the one that scales sustainably. That is why I don’t see regulation as so much of a constraint. Taking a proactive approach regarding regulations can also be something of a competitive edge. The goal is to meet the required standards of KYC and AML while keeping the user experience intuitive. When transparency and safety are built into the foundation, crypto becomes widely accessible. 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