The cryptocurrency landscape is evolving rapidly, shaped by technology, regulation, and consumer behavior. At Consensus 2025, Amber sat down with Charles from Ezo.app, a Canadian crypto startup, to discuss the current state of crypto, challenges around regulation and adoption, and what the future holds for digital finance.
Bridging the Gap Between Traditional Finance and Crypto
Ezo.app embodies a hybrid approach that combines centralized finance (CeFi) with decentralized finance (DeFi) in one platform. Charles explained how this one-stop solution allows users to manage crypto assets with full custody options or through their connected wallets, all under a unified interface. This blending of traditional and decentralized systems is designed to serve consumers more effectively, reducing fragmentation and complexity that often deter everyday users.
According to Charles, the future of finance isn’t about one system replacing the other but rather an integration where both coexist symbiotically. “If you remove fiat rails, then what’s the point of having crypto? And if it’s all CeFi, then it’s just centralized and controlled,” he noted. This vision prioritizes interoperability and flexibility, paving the way for broader mainstream acceptance.
The Missing Piece: Consumer Incentives
A core challenge Charles highlighted is the lack of real incentives for spending cryptocurrency. While many hold Bitcoin and other tokens as valuable assets, few are motivated to use them for everyday payments. “Why would you pay with Bitcoin when you wouldn’t pay with Apple shares to buy a good?” he asked. Despite numerous crypto card products offering rewards, they often provide less value than conventional cashback offers converted back into fiat.
Ezo.app’s philosophy centers on creating tangible incentives for consumers to transact in crypto — a crucial step toward genuine adoption. Without consumer-driven demand, the market will likely remain limited to speculation and investment rather than a viable means of daily commerce.
Navigating Regulation and Market Realities
On the regulatory front, Charles noted that Canada presents a clear but stringent legal environment. While licensing procedures are challenging, they provide well-defined guardrails to prevent shady actors from entering the market. He expressed appreciation for these safeguards as they maintain market integrity, even if they slow down entry for startups.
Banking relationships remain one of the toughest hurdles for crypto companies. Charles recalled how, until recently, it was nearly impossible for crypto businesses in Canada to secure banking services, often facing unfair “debanking.” However, leading crypto firms have now established accounts with major banks, suggesting a gradual shift.
Looking ahead, U.S. regulatory developments, especially around stablecoins, are poised to trigger a “gold rush” of innovation and growth. Charles believes America’s openness—or lack thereof—sets a global precedent, and a more permissive stance from the U.S. Securities and Exchange Commission (SEC) will encourage international momentum.
Cutting through the Hype: Focus on Real Use Cases
Reflecting on the evolution of crypto trends, Charles expressed relief at seeing less hype and more substance at Consensus 2025 compared to previous years. Where once buzzwords like metaverse and AI were thrown around indiscriminately, the current discourse centers on practical applications such as stablecoins and payments. This shift signals a maturing industry attuned to user needs and sustainable growth.
Above all, Charles remains a crypto purist, emphasizing that blockchain’s core value lies in trustworthy information and sound payment solutions. He urges the sector to focus away from gimmicks and toward everyday usability, which will ultimately drive widespread adoption.
Conclusion
Charles of Ezo.app offers a grounded, insightful perspective on the ongoing transformation within crypto. By advocating for user incentives, regulatory clarity, and the blending of decentralized with traditional finance, he outlines a roadmap for authentic growth. As regulation evolves and consumer demand deepens, platforms like Ezo.app are poised to revolutionize how we engage with digital assets—making crypto not just an investment, but a seamless part of daily life.
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