Consumption Behavior Tokenization Becomes a New Trend in Web3

In the past waves of Web3, we have witnessed the birth of various asset categories, including financial derivatives in DeFi, digital art and virtual land in Non-Fungible Tokens, and even MEME coins that were once the focus of capital frenzy. In fact, the common point of these assets is that they are often speculative tools created by a few and driven by a small group.

However, with the development of the industry, the current stage of Web3 is quietly undergoing an important shift, moving from a game of asset creators to a public system that generates asset equity for every individual and every daily behavior.

In this new narrative, a long-overlooked direction that is closely related to everyone is gradually emerging: consumption behavior tokenization.

We see that in the real world, consumption is the core economic driver, with over 70% of global GDP coming from personal or household consumption, and even reaching 80% in the United States.

Every day, billions of people make real and frequent expenditures on food, housing, education, healthcare, entertainment, services, and more. However, these behaviors have almost no place in the Web3 system.

In the existing Web3 world, we can obtain tokens through airdrops, earn interest through staking, or receive transaction fee sharing, but our serious living and regular consumption do not generate any asset precipitation or network equity. This is undoubtedly the largest blank in Web3's composable financial system, where consumption behavior is viewed as an expense rather than a value contribution.

However, with the continuous improvement of Web3's underlying infrastructure, a new transformation is approaching.

Consumption Behavior Tokenization Sees New Opportunities

RWA (Real World Assets) is currently one of the hottest narratives in the Web3 field, providing a foundation for large-scale on-chain traditional assets and also offering a technical path for digital mapping of consumption behaviors.

For example, an accounts receivable, a property, an insurance policy can have a unique certificate and liquidity on the chain, and personal membership rights, prepaid services, consumption records also have the possibility of being tokenized, which is the current market trend.

Similarly, DePIN (Decentralized Physical Infrastructure Network) is rapidly penetrating into more "daily scenarios", from Render's distributed rendering to Helium's wireless network nodes, to IoTeX's edge device tracking. On-chain infrastructure is becoming an incentive network that every delivery person, warehouse point, and device provider can participate in. Especially logistics and supply chain are about to be decentralized and reconstructed, with consumption being the starting point of this chain.

On the other hand, it's worth noting that Web2's consumption financial logic can already work, only waiting to be reconstructed on-chain.

Modes like Buy Now Pay Later (BNPL) have become the new consumption mainstream on platforms such as Affirm, Klarna, and Afterpay, with consumption behavior becoming a priceable credit asset. Once this model becomes composable, modular, and goes on-chain, it will open a completely new growth channel for Web3. Especially with AI's rapid application in personalized consumption recommendations, expenditure planning, and credit assessment, we are standing at the critical point of incorporating "consumption" into the on-chain economic system.

In fact, traditional consumption sector giants are racing to layout this field:

• Visa and Mastercard are exploring integrating consumption points systems into crypto wallets;
• Shopify has started supporting Non-Fungible Token goods and on-chain wallet payments;
• Stripe has opened stablecoin settlement;
• Platforms like Zora and Drip are pushing "behavior assets" towards the mainstream.

This may herald that the next Web3 dividend will belong to every user who leaves real economic behavior on the chain.

In fact, consumption, as an economic activity with the widest coverage, highest frequency, and most complete data structure, will become the traffic pool and asset minting factory of the entire on-chain economy. Those protocols that can first achieve a closed loop of consumption, behavior assets, and credit equity have the opportunity to become the entry point for the next million-user migration.

For PSP, its ecosystem's direction and position are precisely at the starting point of this new blue ocean market and growth dividend.

PSP Consumption Ecosystem: A Web3 Value Engine Built on Real Consumption Behavior

As mentioned earlier, consumption is the most core driver of the global economy, the most universal behavior with the lowest participation threshold, but in past Web3 systems, this value has long been isolated from financial structures.

The PSP Consumption Ecosystem is a supplement to the Web3 ecosystem's missing direction, recording and incentivizing consumption on-chain while further redefining consumption as a financialized, collaborative, and tokenized on-chain behavior, thereby constructing an open collaborative network with "consumption as creation" as its core logic.

The PSP ecosystem has built a composite protocol architecture that spans asset types, infrastructure layers, and behavior dimensions. It connects users, merchants, service providers, logistics nodes, marketing nodes, and other diverse participants into a unified value model, making each node part of the on-chain collaborative economy driven by real consumption behavior.

This significantly enhances the platform's performance flexibility and resistance to centralization risks, while further creating a new collaborative profit-sharing mechanism where service providers are also network infrastructure owners, with their value clearly measured by token incentives and stabilized through on-chain behavioral data.

Compared to Helium, Render, and other DePIN projects focusing on virtual network and computing power, the DePIN system built by the consumption power ecosystem is a physical network collaboration system centered on consumption delivery. As a completely different infrastructure dimension, the PSP system is a DePIN form closer to daily life, with lower access thresholds and broader expansion space.

On this basis, the consumption power ecosystem further integrates AI into the platform's underlying operating logic, serving as an intelligent analysis engine for consumption behavior data and a decision-support system for asset collaboration.

AI can not only be used for personalized consumption planning, spending suggestions, risk control, and credit rating estimation, but also for predicting commodity sales volume, user stratification, performance risk, and financing conditions, while optimizing lending paths, mortgage structures, and liquidity allocation. Based on AI capabilities, the PSP system is not only composable and predictable but also possesses stronger dynamic operational capabilities, laying the foundation for the expansion of future complex collaborative networks.

Overall, the consumption power ecosystem is constructing an open collaborative system with consumption behavior at its core, involving multiple parties with an incentive mechanism.

This ecological structure will have natural scalability, capable of accommodating various real consumption scenarios such as e-commerce, content services, education, healthcare, SaaS, subscription platforms, and offline services, and will tokenize, liquidate, and collaborativize their behavioral modules.

It also possesses strong composability, potentially seamlessly connecting with DID networks, DeFi protocols, RWA markets, and social platforms in the future, becoming the most expansive consumer infrastructure system in the Web3 world. As the consumption power PSP ecosystem further expands, it will be backed by a trillion-dollar blue ocean incremental market.

Why do we say that ordinary people must hold PSP to truly participate in Web3's dividend distribution?

As mentioned earlier, in the current crypto industry transitioning from speculation-driven to application-driven, protocols that can incorporate real economic behaviors into on-chain asset generation systems will gradually become the growth core of the next cycle. Among these, consumption behavior, as the most widely covered, highest-frequency, and most complete offline value data type, is becoming the most valuable "high-frequency entry point" in Web3.

Based on this, the comprehensive solution proposed by the consumption power ecosystem stands at the intersection of multiple narrative trends, providing ordinary users with an extremely low-threshold, scenario-specific, and clearly rewarding channel for transforming behavior into assets.

As the most critical functional asset certificate within the consumption power ecosystem, $PSP itself is a carrier of ecological value, with extremely high value expectations and valuation. Similarly, for ordinary people to truly participate in Web3's dividend distribution, they must hold PSP.

Why?

The Consumption Power System Stands at the Intersection of Three Major Trends

From a macro perspective, the PSP track of the consumption power ecosystem is simultaneously overlaying three explosive narrative lines:

• E-commerce Web3 Transformation

According to Statista, the global e-commerce transaction scale reached $5.8 trillion in 2023 and is expected to exceed $7.9 trillion by 2027. However, Web3 e-commerce penetration is still less than 1%. The consumption power ecosystem is building a Web3 NexCommerce protocol through a tokenized points system, pre-sale contracts, and loyalty incentive networks, making consumption behavior the starting point for on-chain asset minting and forming the first on-chain commercial model accessing real GMV.

• Reconstructing Offline Infrastructure Network Based on DePIN

Messari indicates that the long-term potential of the DePIN market exceeds $3.5 trillion, but currently focuses mainly on virtual infrastructure like networks, computing power, and hotspot devices. The consumption power ecosystem is the first to introduce DePIN into e-commerce fulfillment networks, where warehousing, distribution, verification, signing, and after-sales can be nodalized, collaborativized, and incentivized, releasing an unexploited DePIN sub-track. Compared to virtual nodes of computing power/bandwidth, consumption-driven DePIN nodes are real, verifiable, and cash flow-generating, supplementing DePIN with a sustainable business model.

• On-chain Reconstruction of Consumer Finance

The BNPL track's market size will exceed $200 billion in 2024, with companies like Affirm and Klarna valued at billions. The consumption power ecosystem constructs a consumer financial system through a combined model of consumption points + loyalty points + stored-value membership + BNPL, where users can pay later, earn while spending, participate in governance, and share growth. This consumption-as-equity model is an on-chain extension of traditional payment and credit systems and a exemplary path to obtaining financial exposure through life in the Web3 world.

Combining Multiple Verified Business Models Will Definitely Work

The consumption power ecosystem rewrites the status of consumption behavior in Web3 through protocol and modular approaches, making consumption itself a fundamental unit that can be financialized, creditized, tokenized, and collaborativized.

In fact, it is combining multiple verified business models and connecting them in a Web3 manner.

We can understand it as:

JD's consumption and points system + WeBank's credit system + Pinduoduo's pre-sale logic + DeFi lending protocols + Amazon-style logistics node network, with all these elements unified and mapped to a composite Web3 protocol architecture, building a composable and sustainable collaborative economy driven by consumption.

PSP's system-level construction approach is highly paradigm-guiding, and if successful, could become the standard template for the entire Web3 application layer.

More importantly, the consumption power ecosystem has a natural conversion path from Web2 to Web3 users.

Based on existing behavioral habits, it provides a more value-accumulating choice:

Taobao users earn rights points through consumption, Shopee store owners realize pre-sale financing through Non-Fungible Tokens, Meituan riders become DePIN nodes receiving incentives, and WeChat stored-value members can access the on-chain economic system through the consumption power debit card, obtaining governance rights and growth profit sharing - this is a "real demand migration" logic.

For this reason, the consumption power ecosystem has a broader potential user base, lower thresholds, higher retention stickiness, and by combining multiple verified business models, it is more likely to build truly sustainable and accumulative on-chain GMV and economic scale.

Valuation of Billions and Above

Looking at the industry benchmarking of key modules, the PSP-represented consumption power ecosystem has extremely strong value decomposition capabilities:

Covering multiple dimensions such as consumer finance, loyalty points, pre-sale financing, logistics collaboration, and on-chain tasks, we see that these fields actually correspond to market targets ranging from hundreds of millions to billions of dollars.

Conservatively calculating 10%-30% of each module's valuation, even in the initial system stage, the reasonable valuation range of $PSP token falls between $500 million to $1 billion, and with the accumulation of user behavior data, collaborative network improvement, and business system expansion, it is expected to further release towards a higher ceiling.

Therefore, for ordinary people, $PSP will be one of the few opportunities to benefit from the new wave of Web3 market dividends.