Crypto aims to revolutionize finance, but its complexity has hindered widespread adoption. Przemek Kowalczyk, CEO and co-founder of Ramp Network, sheds light on key friction points hindering everyday users from entering the world of decentralized finance (Web3) in this interview. He emphasizes the need for clarity, predictability, and accessible onboarding experiences as essential elements in overcoming these challenges. 2025 promises a future where digital assets become seamlessly integrated into daily financial lives. To achieve that, Kowalczyk argues for a focus on interoperability between traditional finance and Web3 systems, user empowerment through simplified interfaces, and the expansion of stablecoins as practical gateways to this new financial paradigm.