New Pay-Fi Sensation To Surpass Cardano And Tron As Whale Activity Hits Record Highs

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Cardano and Tron have dominated payment-focused crypto for years, but on-chain trackers now show their biggest holders quietly diversifying into a little-known name. The perpetual reshuffling is occurring as average daily volumes on the two chains moderate, while a new Pay-Fi protocol races higher on real-world usage metrics. Here, we dissect what the whales are doing, why the longtime leaders look vulnerable, and how an unknown altcoin called Remittix (RTX) could mix up the rankings as we near 2025.

Cardano Whales Turn Attention To Yield Innovation Cardano is changing hands at around $0.6946, down 1.86 percent for the day, with a market-cap just above $24.



5 billion and a modest $534 million in 24-hour volume almost 33 percent lighter compared to last week. Although headline momentum slowed, large ADA wallets have been moving coins from exchanges to self-custody since late April; Santiment's "supply on exchanges" metric is now six months low. A lot of that capital is flowing into DeFi experiments like Minataur's forthcoming stable-coin staking module, which promises to provide less-volatile rewards than native ADA rewards.

With top-100 addresses ballooning to 36.8 percent of circulating supply, nearly a three-point increase in two months, analysts are searching for strategic positioning in front of a network-wide fee redesign that would bring Cardano's throughput economics more in line with faster chains. Tron's Stable-Coin Engine Fuels Silent Accumulation Tron is changing hands at around $0.

2490, down 1.03 percent, with its $23.64 billion market-cap and $549 million volume (down 20.

7 percent) underestimating the chain's skewed contribution to clearing USDT flows. Tron clears more dollar-denominated stable-coin transfers than Ethereum most days, something that has seen whales accumulate steadily particularly after founder Justin Sun indicated an on-chain real-world-asset tokenization hub aimed at diversifying fee income. Whales have withdrawn some 640 million TRX from centralized exchanges since mid-March and daily peak burn-fee spikes are always followed by stable-coin demand spikes.

And yet price is just one percent lower than last week, which indicates whales are silently accumulating, hoping to hold on until the time Sun's tokenization drive takes effect and turbocharges Tron's fee economy and their potential passive profits. Why Whales Are Considering New Pay-Fi Entry Off the record, blockchain-forensics provider Look on chain highlighted several Cardano and Tron-linked addresses sending fresh USDC to Remittix wallets via multi-sig bridges. The pattern suggests high-net-worth investors are positioning for what they view as an asymmetrical long.

In contrast to incumbent payment tokens that need counterparties to have the same asset on both sides, Remittix runs a crypto-to-fiat relay that directly converts BTC, ETH, XRP, SOL or any coin it supports into the recipient's bank balance. That model solves two long-standing pain points: settlement delay and regulatory friction. As money comes in on local rails in minutes and leaves no residual crypto exposure on the receiver side, compliance functions feel less risk, while senders skip costly corridor fees still inherent in traditional remittance channels.

Remittix: The Positive Torque Whales Want Remittix community-trades at $0.0757 and early users already have committed more than $14.6 million to the project, amassing approximately 529 million tokens.

On-chain metrics reveal that daily active users are jumping 17 percent week-over-week as Nigerian and Filipino corner shops take up the "pay-me-in-crypto, settle-me-in-cash" model. Because every conversion burns a portion of supply, real usage immediately drives token scarcity, a dynamic whales believe could drive 100-fold upside. Four growth drivers substantiate that hypothesis.

First, owners receive a fair share of conversion fees, making money on real transaction volume instead of inflationary emissions. Second, future integrations with Solana Pay and EVM bridges, both due in Q3, will pipe RTX into millions of pre-existing wallets across numerous chains. Third, the firm is applying for an electronic-money-institution license in the EU and Money Services Business registration in the US; if successful, those licenses would open compliant corridors into more than fifty other jurisdictions.

Last, corporate treasurers can lock RTX for fee rebates, providing the token a sticky institutional traction rather than the fickle hype that drives most meme coins. Picture a freight forwarder in Brazil charging customers in USDT, swapping to RTX via DeFi, and paying suppliers in pesos on the same day and earning staking rebates to reduce operating costs. The minute such efficiencies begin to take off, network effects can snowball and the largest wallets are definitely paying attention.

Why Smart Money Is Pivoting from Cardano and Tron to Remittix Cardano and Tron are still good payment layers, but their whales have begun hedging into a faster, revenue-sharing newcomer with a clearer path to real-world cash flow. If Remittix keeps notching double-digit user growth and locks in its pending licenses, the stealth accumulation underway may seem clairvoyant by the time the next bull-market top rolls around. Traders following wallet flows should be smart to observe where the largest ADA and TRX holders swim next because in Pay-Fi, the first to move tend to become the largest winners.

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