In the context of the rapid development of the Web3 multi-chain ecosystem, how to make users’ digital assets both stable and appreciable, and convenient for payment and quick consumption has always been the focus of the industry. The Thrive team today launched Thrive Yu’ebao, which, relying on multi-chain aggregation technology and innovative token economic design, is the first in the industry to open up the full-chain financial closed loop of “asset deposit → stable interest generation → scenario consumption → reinvestment”, providing global users with a one-stop financial management and payment experience.

Multi-chain assets, one-click interest generation

Thrive Yu’ebao pioneered the support of Thrive platform coins and mainstream public chain assets (including BTC, ETH, BNB, SOL and various stablecoins) in the same contract. Users only need to deposit any one or more assets with a value of ≥100 USDT to automatically activate the daily interest rate of 2‰. The entire process only requires one on-chain operation within the Thrive DApp, without the need to repeatedly cross chains or manually switch wallets, truly realizing “one-click interest generation”.

The income is automatically settled daily and minted as a special payment token TPay and distributed to the user’s address. TPay is not only a proof of income, but also a “universal currency” in the Thrive ecosystem: it can be used to pay mining process fees, purchase business school courses, participate in NFT blind box draws, or redeem limited peripherals in the on-chain mall. If TPay needs to be transferred back to mainstream assets, users only need to withdraw cash with one click in the DApp, or pay a tiny amount of 0.002 BNB to the contract to complete the withdrawal, taking into account both convenience and security.

To encourage community fission growth, Yu’ebao also has promotion rewards: whenever A invites B to deposit assets, A can get an additional 10% promotion reward of B’s daily income, settled in TPay. Users can benefit from daily interest and get extra rewards by recommending friends, which effectively improves the platform’s activity and asset scale.

TPay empowers ecological consumption

Thrive Yu’ebao allows users to directly convert their financial management experience into available payment capabilities instead of just digital accounts. TPay currently plays a key role in the following scenarios:

On-chain mall and digital collections
Users can use TPay to purchase limited NFTs, platform peripheral products, and interactive tickets in the Thrive on-chain mall, turning proceeds into physical and digital collections to enhance the diversified value of assets.

Ecosystem services and education
Thrive Business School has launched systematic DeFi, LP mining and cross-chain development courses. Students can use TPay to pay for registration fees and advanced services, thus completing the educational closed loop of “learning → practice → reward”.

DApp Function Payment
Cooperation projects can access TPay as a fee for using functions such as advanced analysis tools and automated strategy services, thus achieving efficient conversion of revenue into consumption.

Quick withdrawal and asset exchange
On Thrive Swap or mainstream decentralized exchanges, TPay can be freely exchanged for mainstream assets such as USDT, BNB, or exchanged for fiat currency through CEX channels, ensuring flexible and liquid returns.

This “interest earning is consumption, consumption is reinvestment” model not only improves the efficiency of income use, but also strengthens the linkage between various links in the ecosystem, creating an unprecedented convenient experience for users.

Payment application scenarios

With the help of Thrive Yu’ebao ecosystem, TPay’s first real-life landing scenario has achieved deep binding with Alipay and Mastercard, allowing users to directly recharge the daily interest-earning TPay to a virtual Mastercard card with one click, and complete the binding authentication through the Alipay applet. After successful binding, this virtual card can be used in all online and offline merchants around the world that support Mastercard payment, whether it is a card swipe machine in a street coffee shop, “credit card payment” on an international e-commerce platform, or mobile scan code payment, as long as the acquirer accepts Mastercard, the deduction can be completed without feeling. The entire payment process is done in one go: when the user submits a recharge instruction in the Thrive DApp, the system immediately converts the corresponding amount of TPay into legal currency or stablecoin according to the real-time exchange rate and loads it into the virtual card; in the consumption stage, the Mastercard network settles in real time, and the Alipay bill simultaneously displays the deduction details, and the underlying chain ledger and TPay deduction records are also traceable on the Thrive platform. Compared with the traditional multi-step operation of withdrawing coins → exchanging → withdrawing → binding bank cards, the “one-card” model of TPay → Mastercard greatly simplifies the process, saves multiple cross-chain and multiple handling fees, and allows users to truly “spend and pay instantly” with on-chain assets. In the future, Thrive will use this as a blueprint and gradually connect to more mainstream channels such as WeChat Pay and Apple Pay to continuously expand the application boundaries of digital assets in real-world scenarios.

TPay + Alipay + Mastercard binding payment marks the transition from theory to practice of Thrive ecosystem in the key link between “asset appreciation” and “daily consumption”. With the rapid access to more payment channels and scenarios, Thrive is creating a truly universal “digital credit card” for millions of users around the world that can be spent instantly with interest earned on the chain, leading Web3 payment innovation and connecting digital assets with real life.

Empowering the Web3 financial cycle

As multi-chain asset management becomes a mainstream trend, the strategic value of Thrive Yu’ebao is self-evident. First, it provides users with a richer selection of assets and higher income potential than single-chain financial tools; second, TPay’s tokenized payment capabilities connect consumption scenarios scattered across various chains, truly realizing the aggregation and flow of assets; finally, the promotion reward and mining linkage mechanism enable a single product to simultaneously have the triple power of attracting new users, active communities, and asset compounding.

From an industry perspective, Thrive Yu’ebao fills the gap between the two major demands of “stable financial management” and “scenario payment”, and may become the “digital fund manager” in the Web3 era. With the access of more chain networks and assets, TPay’s payment touchpoints will be further expanded, and intelligent income strategies and insurance mechanisms will also help the platform improve income stability while ensuring security. Ultimately, Thrive Yu’ebao is expected to become a financial entrance shared by ordinary users and institutional investors, pushing the entire blockchain ecosystem into a new era of integration of “financial management + consumption + ecological co-construction”.

The next stop of multi-chain ecology

To ensure the sustainable growth of products and ecosystem, the Thrive team has developed a clear mid- to long-term plan:

Short-term (3–6 months)
• Access to more mainstream chains and assets (Arbitrum, zkSync, Polygon, etc.)
• Enrich TPay payment scenarios, add in-game purchases, DAO service fees, offline event tickets, etc.
• Launched mobile wallet integration to optimize one-click deposit and withdrawal and profit viewing experience

Medium term (6–12 months)
• Release multi-strategy financial products (asset portfolio pool, automatic rebalancing) and on-chain insurance services
• Introducing AI-driven yield optimization recommendations to provide users with personalized asset allocation suggestions
• Establish a global compliance framework, access international custody and fiat currency channels, and support deposits from users in more regions

Long-term (12–24 months)
• Build a full-chain value network of “task aggregation + credit points + governance voting” to connect community contributions and platform decision-making
• Deeply cooperate with more ecological partners to jointly output standardized SDK and value-added services to form a multi-chain collaboration hub
• Tokenize TPay governance, grant users voting rights and ecological dividend rights, and build a decentralized autonomous financial system

Through the above planning, Thrive Yu’ebao will continue to evolve and strive to become an industry-leading Web3 multi-chain asset aggregation, financial management and payment platform, creating greater value for users and partners.

About Thrive
Thrive is an international multi-chain aggregation protocol that integrates cross-chain tasks, liquidity mining, DeFi services, community governance and education and training, aiming to build a full-chain ecosystem of “multi-chain collaboration, value consensus, and global co-construction”. Thrive continues to expand the boundaries of technology and scenario applications, and is committed to providing open, secure, and efficient Web3 products and services to global users.