What if one under‑the‑radar crypto was quietly fixing the trillion‑dollar headache of slow, expensive cross‑border payments… and still trading under 1¢?

Today we break down Velo Protocol (VELO) – a CeDeFi payments network bridging traditional banks and Web3, with real products live across 15+ countries and a market cap around $240M.

In this deep dive, we cover:

• What Velo Protocol is and how its hybrid cedefi model works

• How Velo uses Stellar tech for 3–5 second, low‑fee settlements

• The role of Trusted Partners, digital credits, and the Digital Reserve System

• Orbit & Orbit Plus, PAYFAI AI payments, Warp bridge, Cosmic Hybrid Perp DEX, and Velofinance

• Real‑world use cases in remittances, institutional settlements, and RWA tokenization

• VELO tokenomics, supply burns, and major 2025–2026 roadmap catalysts

• Pros, cons, and whether VELO could 10x if PayFi explodes by 2026

If you care about crypto that actually solves real financial problems – not just memes – this one’s worth your research.