New commercial and financial forms

Base has announced the strategic direction for its Base App: it will build its network on two foundational pillars — "wallet" and "social" — and expand into three key areas: stablecoin payments, Mini Apps, and IM + AI Agent integration.

At the same time, X is planning to introduce wallets and payments to evolve into a super app. Telegram and LINE have also launched their own blockchains and built Mini App hubs to help expand their ecosystems into super apps. These initiatives are all striving to create a new commercial and financial ecosystem similar to WeChat and Alipay in China.

The New Commercial-Financial Ecosystem Built by WeChat and Alipay Mini Programs

WeChat has built a thriving Mini Program ecosystem on top of its massive social network and payment infrastructure, providing services such as local lifestyle, mobile shopping, and financial management to hundreds of millions of users.

Similarly, Alipay has developed its Alipay Mini Programs, connecting with 700 million people daily, offering over 8,000 lifestyle services across 150 vertical categories.

Outside of WeChat and Alipay, platforms like Baidu, ByteDance, and Telegram have attempted to build Mini App ecosystems — but none have achieved comparable scale.

Mini Apps + Crypto Payments Based on Community Social Networks

TagAI and its ecosystem apps aim to replicate this commercial-financial model globally by:

• Using social oracles to connect web2 social networks with web3 communities.

• Leveraging smart contracts to build CommunityFi infrastructure for community-driven projects.

• Enabling stablecoin and crypto payments to merge commerce and finance globally.

This forms the foundation of a crypto-based WeChat/Alipay-like Mini App ecosystem for billions of users worldwide.

TagAI’s strategy:

• Uses web2 social platforms as entry points.

• Relies on social commerce and local services as core use cases.

• Builds a crypto and stablecoin distribution network globally.

A New Commercial-Financial Architecture

From social content distribution on web2, to supporting community-driven projects with CommunityFi, and eventually to creating a distributed commercial-financial ecosystem, TagAI is driving the integration of the social (attention) network and the crypto (liquidity) network.

This open network, enabled by blockchain technology, revitalizes city forums and vertical communities that previously struggled to thrive in closed social networks. These open communities can now build their open economic systems using blockchain infrastructure. Meanwhile, platforms like WordPress can be used to build social media and commerce platforms.

Unlike centralized platforms like Meituan which push services top-down, these community-driven forums and vertical communities organically grow into deeply integrated networks of social commerce and local services — and participants share in the economic value created.

Three Use Cases

Use Case 1: Coffeeshop

On the Hive Blockchain, there is a community centered around #coffee, where creators earn $HIVE from curators (those who upvote content).

They also run a site called coffeeshop.gifts, offering coffee-related products. Members can convert $HIVE into $USDT to shop and accumulate credit.

The community even displays a map of real-world coffee shops across the US, Canada, and Europe — creating a decentralized, crypto-enabled version of Starbucks Rewards.

Use Case 2: WorldMapPIN

Another Hive-based developer has aggregated travel guides into a platform that connects posts to map locations, forming a community-powered version of TripAdvisor.

Use Case 3: WhereIN Mini App

In 2020, the TagAI team launched the WhereIN WeChat Mini Program, supported by Maruzi Mini App and their own tool steem4wp.

Features include:

• Media module: publish posts and sync to Steem.

• Commerce module: upload and sell products, paid via $STEEM.

• Messaging: peer-to-peer chat.

• Multi-platform: website and app access, with data sync from X, Instagram, TikTok, etc.

Community Social Networks: The Gateway to Everything

As seen in the examples above, community social networks can facilitate commerce and local services. Combined with crypto, these networks become gateways to everything, capable of distributing:

• Social commerce, local services, stablecoin payments.

• DeFi and financial products.

• Everything else.

By linking web2 social platforms with crypto payment rails, a freely circulating commercial-financial network emerges, supporting merchants and users worldwide.

People share content, earn crypto, convert some into stablecoins, and spend them in decentralized stores — all while building decentralized credit through their on-chain behavior.

Hive: A Pioneer in Community Social Networks

Hive has built numerous vibrant communities — showcasing how crypto-based community social networks can integrate with commerce and local services to spawn a new generation of commercial-financial ecosystems.

While WeChat and Alipay achieved this via centralized mini programs, this new wave — powered by stablecoin payments, social oracles, and open platforms like WordPress — is building an alternative model for the decentralized age.