Bringing Cardano into daily financial life

Real-time retail payments and savings powered by regulated financial infrastructure

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Digital assets rarely function as practical financial tools
Blockchain enables secure value transfer, yet most digital assets remain disconnected from physical retail, regulated banking systems, and routine consumer behavior.

This disconnect limits adoption and reinforces the perception of cryptocurrencies as speculative rather than usable. Consumers encounter friction when attempting to spend blockchain-based assets, while merchants face high fees and operational complexity.


Without an integrated infrastructure connecting blockchain networks to point-of-sale systems and banking rails, practical use remains out of reach.

Challenge
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Limited retail payment acceptance
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High transaction costs for merchants
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Fragmented fiat integration
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Regulatory complexity
Solution

Brick Towers provides a regulatory framework that enables Cardano-based assets to operate within the legacy financial system

By integrating Open CryptoPay and DFX.swiss fiat on-ramps and off-ramps into the urble app, Brick Towers connects blockchain-based value directly to physical retail and traditional banking infrastructure.


This approach reduces friction, lowers costs, and improves the user experience for consumers and merchants.

Cardano provides the security, scalability, and sustainability required for financial infrastructure.

How Brick Towers enables practical Cardano use

A connected flow links Cardano-based assets to regulated banking infrastructure, consumer apps, and physical retail.

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Regulated access

01.

DFX.swiss provides compliant fiat on-ramps and off-ramps, connecting IBAN-based accounts directly to the Cardano blockchain.

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Consumer app integration

02.

Brick Towers integrates this infrastructure into the urble app, enabling users to hold, spend, and save ada within a familiar financial experience.

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In-store payments

03.

Payments are processed in real time at participating SPAR supermarkets using Open CryptoPay, without centralized exchange dependency.

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Efficient settlement

04.

Transactions settle quickly, reducing merchant fees and improving cash flow compared to traditional payment providers.

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Built for expansion

05.

The infrastructure supports additional wallet integrations and future payment functionality as adoption grows.

Results

Brick Towers delivers practical Cardano adoption with clear economic and usability benefits.

01.
Retail acceptance at national scale
Cardano-based payments are available across 137 SPAR supermarkets in Switzerland.
02.
Reduced transaction fees
Merchant costs decrease by approximately two-thirds compared to traditional payment providers.
03.
Improved consumer accessibility
Payments and savings are managed through a simple, consumer-ready mobile experience.
04.
Regulated financial integration
IBAN-enabled infrastructure connects blockchain-based assets directly to the traditional banking system.
05.
Expanded non-speculative use cases
Savings and shared financial goals are supported without positioning digital assets as speculative instruments.

"Working with the Cardano Foundation is a logical step in our strategy to bring blockchain-based financial solutions out of the niche and into everyday use. With Open CryptoPay, we demonstrate that Cardano is not only technologically advanced, but also delivers real value in daily payments – for both consumers and merchants."

Cyrill Thommen
CEO, DFX.swiss
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