Competitive Lens: Closed Loop & Verifiability Decide

The excellence of Web2 payments comes from years of refinement in risk controls and rails, but the value and data accrue to the platform side, making them hard for users and creators to own or port. CEX payments have powerful entry points and network effects, yet are inherently custody-centric, which makes it difficult to turn the long-tail value of social interactions and content into repeatable consumption. Web3 social projects have innovated in graphs and communities, but most remain stuck in an “earn-only, not spend” incentive phase and cannot continuously absorb token supply. Web3 card products have unlocked the “spend” step, but they lack upstream supply from social and task scenarios, making it hard to build a steady, self-sustaining flow of demand.

Metya is not a compromise among these four tracks. Instead, it takes a PayFi-first approach to establish the closed loop and, with on-chain verifiability, connects contribution → rights/benefits → consumption → feedback into a coherent, self-consistent value chain.