Serial entrepreneur Yokiiiya has decided to abandon his Web3 payments venture after extensive research and developing a minimum viable product (MVP). He concluded that success in the payments industry relies not on product functionality but on strong banking relationships, licenses, capital efficiency, and long-term risk management. Yokiiiya highlighted that many seemingly profitable businesses earn through 'risk premiums' and described Web3 payments as a 'back-end upgrade' focused on improving turnover efficiency, rather than a front-end revolution. Despite recognizing structural opportunities in regions like Latin America and Africa, Yokiiiya acknowledged that his capabilities do not extend to maintaining stable banking relationships and managing structural pressures. Consequently, he adjusted his strategy, viewing payments as a 'gateway' rather than an 'endpoint.' He plans to explore higher-barrier financial management systems, focusing on where money resides post-transaction and asset allocation.