If you have recently browsed through @ MorphLayer's roadmap, you may have noticed an interesting change - they no longer revolve around old topics like 'who has higher TPS', but instead go straight to being the' backbone 'of the payment ecosystem. Simply put, Morph is no longer just creating a "faster chain", but building a complete payment and settlement infrastructure layer that connects real-world scenarios such as currency exchange, payment paths, merchant access, front-end card experience, exchange rate modules, and fund return systems, moving towards the direction of "chain backend as a service". The core module can be divided into several key points: Morph Rails: This is a payment underlying component for developers and merchants, providing modular API, SDK, and plugin support that can be combined into invoice, redemption, settlement, payment, and other paths. Just like Stripe's role in Web2, Morph wants to become a standardized interface for Web3. Morph Pay and user card experience: In the future, we hope to provide a set of front-end interfaces, so that users can manage the balance on the chain, swipe the card, exchange, consume, and even use stable currency to consume offline globally, just like Alipay. This is a key step in using the chain. Programmable FX (Currency Exchange) module: During the on chain payment process, it is difficult to avoid issues such as multi currency exchange, sliding point protection, and exchange rate processing. Morph hopes to make this a native module to avoid duplicate creation of wheels by the connecting party. Revenue and fund pool system: The roadmap also mentions the development of on chain deposit, interest, and reward systems. In the future, settlement funds between users and merchants can even be directly linked to the pool provided by Morph. In other words, the logic of @ MorphLayer is not 'I will build a more powerful chain', but to create a modular backend that developers, merchants, and users can plug in and use, truly turning Web3 payments into a 'service that can be implemented'. This path is heavy on assets because just edge scenarios such as refunds, failed retries, compliance audits, identity authentication, and exchange rate clearing can freeze 90% of projects that want to make payments. If Morph wants to become Stripe for Web3, he must think these things through from the beginning. Let's talk about the architecture of the chain itself: Morph uses a hybrid architecture of Optimistic and ZK Rollup technologies, coupled with a decentralized sorter, which retains Ethereum compatibility while enhancing performance and anti race mechanisms. For example, a responsive verification system can shorten transaction confirmation from days to hours, while a sorter network can fundamentally limit rush behavior, which is essential in merchant scenarios. Merchant friendly details: Morph allows for minimal modifications to integrate on chain payments with low transaction fees, while also promoting support for physical card swipe BGB consumption. After the implementation of the card system, no matter where you consume, the local currency amount can be directly displayed, and the exchange rate processing is more friendly than traditional payment networks. It can even embed a programmable exchange rate mechanism and directly write it into the contract for automatic hedging. Support for Developers: @MorphLayer provides a complete toolchain, from SDK to templates to one click testing, covering almost all the essential functions required by dApp developers. It is also equipped with an AI programming assistant called Fast Apply, which can intelligently rewrite contract code and improve deployment efficiency. The testing website is called Morph Hoodi, which already supports dozens of ecosystem access, while providing multilingual support and rich configuration functions to reduce development and trial and error costs. After the mainnet was launched, more than 50 projects have completed integration and started incubation cooperation. Financing and Endorsement: Morph has received a seed round financing of $19 million led by Dragonfly Capital, with participation from multiple well-known venture capitalists. The capital reserve is stable and has long-term investment capabilities. As a project with 'backend logic', the financing structure itself is a reflection of strategic endurance. Overall, MorphLayer is not satisfied with creating a L2 with better transaction performance. Its goal is to build a full chain system that serves the "payment+application+finance" scenario. In the future, if Web3 payments can really enter daily consumption, someone must build the "backend infrastructure like Stripe" behind it. Morph has taken this path, difficult, but if it succeeds, its value will be very great. And all of this is precisely why it deserves continuous attention. Everyone is on the National Day roll @ Bantr_fun, and the ranking doesn't rest. No wonder it's so difficult to make it onto the list Morph Bantr