beyond borders: bridging TradFi and Web3 with seamless on-chain payments

Sam kamani

September 20, 2025

Finance is crossing a border—and it’s not looking back.
In this episode of Web3 with Sam Kamani, we meet Jason, founder of OnchainLabs, who’s helping accelerate the shift from traditional finance to decentralized, on-chain money systems. His mission? Create a frictionless experience where crypto and fiat work together, not against each other.

From Web2 Entrepreneur to Web3 Builder

Jason’s entry into Web3 wasn’t through speculation—it was philanthropy. He first experimented with crypto while building a payment solution for humanitarian aid. That experience laid the foundation for OnchainLabs, with a core insight: money should move as freely as information.

Compatibility is Key

One of the biggest hurdles in crypto adoption is its lack of compatibility with how people and businesses already transact. Jason points out that it’s not enough to build futuristic tools—we need systems that speak the language of TradFi.

That’s where reverse compatibility comes in. OnchainLabs allows crypto transactions to integrate directly with traditional banking rails, so a merchant doesn’t need to be crypto-savvy to accept tokens. This is how Jason’s team is solving the classic chicken-and-egg problem—by ensuring that both users and merchants are onboarded at the same time, without friction.

Introducing OPN – Onchain Payment Network

At the heart of their work is the Onchain Payment Network (OPN), a real-time, interoperable system designed to move value across chains—and across use cases. Whether it’s salaries, recurring payments, or one-off transfers, OPN enables fast, low-friction transactions that can interact with both blockchain and banking infrastructure.

"Our focus is on enabling people to transact freely—on their own terms—while maintaining access to the systems they already use." – Jason

Decoupling Services from Custody

A key insight Jason shares is the importance of separating services from custody. Traditional financial systems often bundle these together, creating dependency and lock-in. In contrast, DeFi allows users to retain ownership of assets while accessing services like lending, payments, and yield generation.

This architecture not only improves security and transparency, but opens up new forms of economic participation.

Stablecoins That Matter

Beyond payments, OnchainLabs is exploring stablecoins with purpose—designed not just for stability, but for social impact.

Imagine a stablecoin backed by yield-generating assets that funds climate action, poverty reduction, or education initiatives. This is where programmable money meets real-world change—and it’s one of the most exciting directions Jason is pushing into.

Scaling Access with Fiat Onramps

One of the final pieces of the puzzle is accessibility. Crypto adoption often stalls at the first step: onboarding. OnchainLabs tackles this by enabling fiat-to-token purchases within their network, eliminating the need for centralized exchanges or technical hurdles.

For DAOs, startups, or projects that want their tokens to be used and not just held, this opens up entirely new user bases.

What's Next?

Jason believes that once we solve payment friction, compatibility, and access, the next wave of crypto will be driven by real utility—not hype.

His call to action is clear:

If you’re building a token-based project or DAO and want users to access your token directly with fiat, reach out to OnchainLabs.