Kunal Purohit

There's a lot of quiet rage around Visa and Mastercard. People know they're getting taxed 3% on every transaction - there's just no real alternative.

Cash used to be that alternative. But post-COVID, people stopped using it. That shift made payment companies richer, and left everyone else stuck.

So what's the real solution? New payment networks don't just appear overnight. People want better ways to pay - but with purpose. No one wakes up wanting to use crypto. Habits are sticky. The best approach is to build on top of existing infrastructure-layering on top of what already exists, and slowly shifting behavior.

That's exactly what I've built with Keychain.

I built Keychain to layer onto existing systems like Square. Merchants don't change a thing - same terminal, same flow. Just ask for the customer's name.

Once they do, the open order in the POS appears instantly in the customer's Keychain app. They see the order live, and pay with USDC - behind the scenes. Programmable, fast, invisible.

Merchants save ~3% on every transaction. And customers? They get real, instant rewards-sent straight to their Venmo. No mystery points. Just tangible cash-back they can feel.

It feels the same. But under the hood, it's something radically better.

It's digital cash.