Twitter -founder Jack Dorsey recently said the Bitcoin community should focus on scaling payments to remain relevant. “I think it has to be payments for [Bitcoin] To be relevant to everyday life, ”he told Haley Berkoe on 21 in 21 podcasts.

I disagree.

As someone in the trenches with Bitcoin barley men who are also talking to market producers and investors, I fundamentally disagree with the idea that payments are the way to actual Bitcoin admission.

The only way to grow Bitcoin’s relevance is by creating more functionality for everyday users to do something with their Bitcoin that does not involve selling or sending it away (ie Hodling). This is especially true on the institutional side where a good business strategy involves more than just keeping BTC on a balance.

Bitcoin is a generational asset. To understand that most proprietors do not plan to sell, look at how to keep the chain healthy. When the rewards for miners shrink each halving cycle, it will be a big part of the discussion about Bitcoin in the next decade to find sustainable ways to encourage them. Scaling activity for LAG 2S, which stacks that can bring smart contract functionality to the ecosystem without compromising the base layer, creates far more options than just scaling payments alone.

Bitcoin has established itself as “digital gold” in 2025. Individuals, institutions and countries are keeping it as a sure to have reserved. This trend is not suitable for a future as a payment vehicle; Instead, it creates a mature opportunity for Bitcoiners to participate in Bitcoin Defi and make BTC a productive asset.

A recent Binance Research Report stated that only approx. 0.8% of Bitcoin is currently used in defi. This means that there is almost $ 1 trillion in unused potential value on-chain if we can create a clear case for building on Bitcoin.

Bitcoin’s core strength is its security, decentralization and limited supply. To know that, why should anyone seem to use their BTC as a form of payment? Instead, through defi protocols, you are already able to bridge your Bitcoin to an L2 and borrow stablecoins. Since BTC is now considered by most as a generational wealth, it becomes your best security. Defi allows you to use digital assets as payment while keeping your BTC securely stored on Bitcoin Blockchain. Bitcoin Defi unlocks BTC as the most pristine form of security.

I agree with Dorsey when he said that Bitcoin won’t succeed if ”[Bitcoin] fails to be relevant to people on a daily basis. “But we can grow long-term relevance by allowing people to make more on-chain through Bitcoin Defi.

Any builders working on platforms that expand Bitcoin’s functionality, allowing for lending, borrowing and other financial services without compromising its security will come out as the new leaders in this room. If we take advantage of these L2s, we will see that people create savings accounts filled with Bitcoin, earn dividends in Bitcoin, take out loans against their Bitcoin, and virtually all of these actions will be abstracted by the scalable L2s.

Bitcoin can continue to be this asset of generational wealth or value of value against inflation, while it is actually an active asset across an evolving economic ecosystem.

The help lies in creating opportunities to do more, not by making your morning coffee purchase in BTC.