At the 2026 World Economic Forum in Davos, Binance founder Zhao Changpeng emphasized that despite technological advancements addressing high fees and slow speeds, cryptocurrencies have not yet become a mainstream payment method. Zhao identified the lack of transaction privacy on public blockchains as a major obstacle, noting that businesses are reluctant to use public chains for payments due to the exposure of their balances, suppliers, and cash flows. Zhao proposed a vision of an "invisible rail," where blockchain serves as a backend infrastructure supporting existing payment providers. This approach aims to facilitate faster and cheaper transactions without requiring users to directly interact with wallets or mnemonic phrases, while also addressing transparency issues and meeting institutional compliance requirements.