Cardstack Updates
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After users set up their wallets and learn the ins and outs of floating currencies, they still have to switch between dual networks when they want to process a transaction.

This process is yet another challenge for them. https://medium.com/cardstack/making-web-3-0-usable-part-1-e4351003a478#76d6
Tools like WalletConnect 2.0 use an open protocol that establishes pairings between two apps and devices by way of a relay server that simplifies navigating cross-chain instances. https://t.co/WKgh0X54cV
Navigating between the two layers of the blockchain takes a lot of time. Deposits and withdrawals between the two networks can take a lengthy period considerably. https://medium.com/cardstack/making-web-3-0-usable-part-1-e4351003a478#eb95
Some dApps are developing protocols designed to quicken and simplify transfers between different chains.

Projects like these operate by requiring users to pay a small fee for an expedited bridging process between layer 1 and layer 2. https://medium.com/cardstack/making-web-3-0-usable-part-1-e4351003a478#de0f
SPEND is Cardstack's neutral pricing unit designed for Card Pay. Products priced in SPEND is settled using stablecoins like DAI, to allow exchanges to happen in decentralized ways on Layer 2 networks.

Learn more about SPEND here: https://medium.com/cardstack/introducing-spend-d76372368d0
There are currently too many dApps designed for individual functions; there are dApps for buying tokens, trading ETH, minting NFTs, bridging tokens, and so on. https://medium.com/cardstack/making-web-3-0-usable-part-1-e4351003a478#244c
Here's the progress update the Cardstack team has made in these recent weeks:

Beta Program: We have rolled out features and bug fixes to our beta program participants that will become features in the Card Pay dApp and the Card Wallet mobile app.

App Stability: Once the feature completeness is improved, we will start a public beta where users can download the wallet directly from TestFlight and request test tokens to exercise the full life cycle of token suppliers, prepaid card issuers, and merchants and consumers.

Read more here: https://twitter.com/cardstack/status/1439877229014519818
To resolve the overwhelming issue of which dApp to use, Cardstack is currently developing a consolidated workflow system called Card Flow. https://medium.com/cardstack/making-web-3-0-usable-part-1-e4351003a478#35bb
We have spent considerable time developing our tools on the mobile front because the world is veering toward a mobile majority. We want to make the Web 3.0 experience seamless. https://medium.com/cardstack/making-web-3-0-usable-part-2-32788be88565#1a9e
Everybody has a camera, and making transactions through already-established QR-ready platforms is so much easier than engaging with any other mode of payment.
NFTs, representing digital collectibles, introduced people to the idea of “Obtainable Exclusivity”. Want in? You have to be early or be willing to spend big if you’re late.

Our new blog post dives into the infinite utility of NFTs in culture & commerce. https://medium.com/cardstack/beyond-nfts-as-collectibles-58f067c5c76b
Transactions on Web 3.0 still remain unclear to many. Many newcomers distrust Ethereum and Bitcoin because of the volatility surrounding the crypto market. https://medium.com/cardstack/making-web-3-0-usable-part-2-32788be88565#47a9
The cryptosphere needs a stable, globalized currency value if it is to take off. The Card Pay network will enable easy transactions where conversion occurs to and from neutrality.
We continue to add participants to our beta program in order to further test the growing features of the Card Pay dApp and the Card Wallet app.

Read more here: https://twitter.com/cardstack/status/1443086348055764993
Twitter recently announced a tipping function where you can make donations to accounts in either Bitcoin or Ethereum. The Card Pay protocol supports a tipping-based workflow that is completely non-custodial.

Read more here: https://twitter.com/cardstack/status/1443494205079183364
Through September, the Cardstack team has been hard at work on Card Pay and Card Space. Learn about the progress we've made here: https://medium.com/cardstack/whats-new-at-cardstack-e5e569175f9