Wallet이 Crypto의 주요 사용자 인터페이스로서 사라지고 있는가?

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- Most users want crypto outcomes rather than wallet management. - Wallets will remain part of the technical stack, while becoming less visible inside consumer products. - Key management, seed phrases, gas fees, and network selection still create friction. - Ownership, custody awareness, and transaction finality should remain visible. - AI agents may become the next user interface for crypto transactions, with transparency and user control as core safeguards. The crypto wallet has long served as the main entry point into Web3. Wallets have traditionally stored assets, connected users to dApps, signed transactions, and given people control over their funds. However, in 2026, crypto sits inside trading apps, payment products, exchange platforms, embedded finance tools, and AI-driven interfaces. Users still need ownership, security, and transaction clarity. But many of them prefer crypto functions without seed phrases, gas settings, network selection, and manual signing flows. BeInCrypto spoke with Kevin Lee, Chief Business Officer at Gate, Federico Variola, CEO of Phemex, and Fernando Aranda, Marketing Director at Zoomex, about whether wallets are losing their place as crypto’s main user interface, which parts of the journey still feel too technical, and how AI agents could simplify the next stage of crypto interaction. Users Want Crypto Functions Without Wallet Complexity Kevin Lee, Chief Business Officer at Gate, sees the trend through familiar financial experiences. For him, users want results. Wallets can still power the product in the background, while the visible experience becomes simpler. “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,” Lee told BeInCrypto. He pointed to assets held in custody, linked to a payment card, and used through Apple Pay or Google Pay. In this setup, a person can spend crypto through an interface they already understand, without handling private keys, gas fees, or signing processes. “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,” Lee said. For Lee, wallets are becoming less visible rather than disappearing. They still support custody and transactions, but the user sees a cleaner product experience. “Wallets are not disappearing, but they are becoming invisible, sitting behind more intuitive interfaces that deliver crypto functionality without requiring users to understand the underlying mechanics,” he added. Wallets and Apps Are Becoming One Product Federico Variola, CEO of Phemex, sees wallet abstraction through product convergence. Users increasingly expect one app to handle storage, trading, transfers, and access to crypto markets. “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,” Variola said. This benefits users by reducing the number of separate tools they need before taking action. Wallet providers are adding trading functions. Exchanges and newer platforms are adding wallet creation inside their own products. “This is a convergence of products, which is positive for users. It abstracts a lot of complexity and creates opportunities for both wallet providers and newer platforms that can create wallets directly for users. In the end, users benefit from this reduction in complexity,” he said. Variola also sees a security risk when simplicity goes too far. Users still need to understand self-custody, fund protection, and custody models. A smooth mobile interface can hide weak security habits, especially when assets depend on one 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,” he said. He cited Phantom users and parts of the Solana DeFi ecosystem, where many people rely heavily on mobile access without stronger offline security. In his view, these setups can become more exposed to theft. The User Journey Still Feels Too Technical Fernando Aranda, Marketing Director at Zoomex, sees wallet usability as one of crypto’s main adoption challenges. “Users don’t want wallets – they want outcomes. Wallets were a necessary bridge, not the end product,” Aranda told BeInCrypto. For Aranda, the strongest products in 2026 will hide the wallet while preserving crypto’s main benefits, including control, speed, and ownership. The most painful part of the journey remains key management. Seed phrases, gas fees, and network selection still ask users to understand crypto mechanics before they can complete basic actions. “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,” Aranda said. This creates a product challenge across the industry. Many users want to send, trade, store, or spend assets. Crypto products often ask them to make technical choices first. Each extra step adds confusion and increases the chance of error. What Should Stay Visible? Even as wallets become less visible, some parts of the experience should stay in front of the user. Aranda pointed to ownership and finality as two areas which deserve clear communication. “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,” he said. “Abstraction shouldn’t mean losing control – it should mean removing noise.” Of course, a better interface can remove unnecessary technical work, while still showing custody, permissions, approvals, and irreversible actions. Hidden risk creates a smoother screen, but a weaker user. Variola made a similar point from a security perspective. Users still need to understand self-custody and the differences between custody methods, especially when assets sit inside mobile-first environments. The future wallet experience may look less like a standalone crypto app and more like a security and permissions system inside larger financial products. AI Agents Could Become the New Wallet Interface AI agents could push wallet abstraction further by taking over actions users currently perform by hand. Instead of choosing networks, checking fees, approving routes, and comparing options, users could give an AI agent a goal. The agent could then execute, optimize, and route transactions in the background. “AI agents will become the new interface layer – executing, optimizing, and routing transactions on behalf of users,” Aranda said. This could make crypto easier to use, especially in multi-chain environments where users face too many choices. It also creates a new risk category. “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,” he said. If agents handle crypto transactions, users will need strong controls over permissions, spending limits, approvals, and decision logic. The interface may become simpler, but trust will depend on what the user can verify. Final Thoughts The crypto wallet will remain part of custody, permissions, and transaction execution. Its role as the main user interface, however, is becoming weaker. To sum up our expert opinions: - Gate’s Kevin Lee sees wallets becoming invisible inside familiar payment products. - Phemex’s Federico Variola sees wallets and trading apps merging into simpler multi-function products. - Zoomex’s Fernando Aranda sees AI agents becoming the next interface for crypto execution. The next phase of wallet design depends on balance. Users want less complexity, while still needing clarity over ownership, custody, approvals, and irreversible transactions. AI agents may simplify the experience further, but their success will depend on transparency, verifiable actions, and user control.

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