## Conversation
Is the Wallet Disappearing as Crypto’s Main User Interface?
The crypto wallet was once the only way into Web3. Today, crypto sits inside trading apps, payment products, and AI-driven interfaces, and most users would rather skip the seed phrases.
BeInCrypto spoke with Kevin Lee, Chief Business Officer at, and Fernando Aranda about whether wallets are losing their place as crypto's main interface and what comes next.
Kevin Lee sees wallets moving into the background while users focus on results:
> Most users do not want to deal with wallets, they want outcomes. While wallets remain essential at the infrastructure level, the interface is increasingly abstracted away.
> This allows crypto to be embedded into familiar payment rails without exposing users to private keys, gas fees, or signing processes. Adoption improves because friction and complexity are removed.
In his view, wallets are not disappearing but becoming invisible, sitting behind more intuitive interfaces that deliver crypto functionality without requiring users to understand the underlying mechanics.
Fernando Aranda sees product convergence at work. Wallet providers are adding trading functions, and exchanges are adding wallet creation inside their own products:
> Users just want an app at this point. Whether it's a trading app that also creates a wallet for you, or a wallet that allows you to trade, like MetaMask or Rabby.
He welcomes the simplification but warns it has limits. A smooth interface can hide weak security habits, especially when assets depend on a single mobile device:
> Abstracting too much complexity can also be a downside. Users should still be aware of self-custody, how to secure their funds, and that some custody methods are significantly safer than others.
Fernando Aranda, Marketing Director at, sees wallet usability as one of crypto's main adoption blockers:
> Users don't want wallets – they want outcomes. Wallets were a necessary bridge, not the end product.
> Key management is still broken. Seed phrases, gas fees, network selection – these are artifacts of infrastructure, not user needs. If a product requires users to 'understand crypto' to use it, it's already lost.
Even so, some things should stay visible. Aranda points to ownership and finality as two areas that must remain clear regardless of how much the interface simplifies:
> Ownership and finality. Users don't need to see behind the curtain, but they must know what they own, where it sits, and when a transaction is irreversible. Abstraction shouldn't mean losing control – it should mean removing noise.
Aranda sees AI agents as the next step in abstraction, taking over execution entirely rather than just hiding complexity:
> AI agents will become the new interface layer – executing, optimizing, and routing transactions on behalf of users.
> But this introduces a new challenge: trust. We're replacing wallet complexity with agent risk. The winners will be those who make AI actions transparent, verifiable, and aligned with user intent.
The interface may get simpler. Whether users can trust what happens underneath it is a different question entirely.
- Wallets are becoming invisible inside familiar payment and trading products - Key management, seed phrases, and gas fees remain the biggest friction points - Ownership, custody, and finality should stay visible even as interfaces simplify - AI agents may take over execution, but transparency and user control will determine their success