[QC] Coldware challenges XRP in the Web3 payment race

[Advertising Article] As XRP continues to solidify its position in the cross-border payment space for financial institutions, Coldware (COLD) is quietly building a parallel payment ecosystem, targeting retail investors, mobile devices, and the Web3 community. With integrated blockchain hardware, a storage wallet, and an available dApp store, Coldware enables users to send, store, and spend cryptocurrency globally – directly from their Coldware phone.

XRP reached 3.53 USD, but is facing competition from emerging players.

XRP has regained its upward momentum in 2025, reaching a peak of 3.53 USD and being used in over 45 countries through Ripple's on-demand liquidity system (ODL). However, while XRP focuses on traditional payment corridors, Coldware (COLD) targets 90% of the global population that still lacks access to modern financial tools. With staking functionality right on the device, integrated VPN, and decentralized messaging, Coldware is turning concepts like peer-to-peer payments and privacy into essential daily features.

Coldware (COLD): Supplement and compete directly with XRP

XRP is designed to serve financial institutions with high transaction volumes. Meanwhile, Coldware targets individuals. With a PoS validation model (proof of stake), smart contracts running on a mobile platform, along with a separate decentralized application ecosystem, Coldware provides a simple and user-friendly experience. No need for exchanges or financial intermediaries, the $COLD token is used to pay for all activities on the network – from small transactions on dApps to secure identity verification.

The future of Web3 payments lies in integrated hardware.

If XRP focuses on backend liquidity for institutions, then Coldware (COLD) originates from the frontend – that is, the user device. The ColdOS ( operating system developed from Android) turns every Coldware phone into a self-custody wallet and a Web3 access gateway. The Freeze.Mint tool allows for token creation and smart contract deployment directly on the phone screen. No need for recovery phrases or Metamask installation – Coldware is designed to serve the masses, not just for long-time crypto enthusiasts.

A Layer 1 blockchain focused on action, not just theory

Coldware has now begun delivering phones to users and has raised millions of USD from the pre-sale round. While financial institutions are choosing XRP, regular users are turning to Coldware for its flexibility, decentralization, and true ownership. This trend could split the payment market into two distinct segments – enterprise led by XRP, while retail is dominated by Coldware. With a price of less than 0.01 USD, the asymmetric profit potential of COLD is extremely large.

Conclusion: Coldware – an alternative choice for XRP in the mobile world

XRP will continue to increase in value if global financial institutions keep using it. But Coldware is dominating a completely different segment: ordinary cryptocurrency users who crave freedom, privacy, and native utility on mobile devices. If XRP is the currency for banks, then Coldware is the future wallet for the rest of the world – and its groundbreaking design could usher in a whole new era of decentralized payments.

Disclaimer: This is a promotional article, not investment advice. Investing in the crypto space is extremely risky, and you may lose your entire investment. You need to do thorough research before taking action; we are not responsible for your investment decisions.

Disclaimer: This is an advertising article, not investment advice. Investing in the crypto field is extremely risky and you may lose your entire investment. You need to research thoroughly before taking action, we do not take responsibility for your investment decisions.

Disclaimer: This is a promotional article, not investment advice. Investing in the crypto space is extremely risky, and you may lose all of your invested capital. You need to thoroughly research before acting; we are not responsible for your investment decisions.

Disclaimer: This is an advertisement article, not investment advice. Investing in the crypto field is extremely risky, and you may lose your entire investment. You need to research thoroughly before taking action; we are not responsible for your investment decisions.