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Whitepaper

Version 2.1 • December 2025

A comprehensive overview of BLAZE Wallet's vision, technology, tokenomics, and roadmap. We're building the future of everyday crypto payments.

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"For decades, we've watched money lose value year after year. We believe paying with crypto – everywhere – is the future. A crypto wallet should be a real wallet you use every day, not just a place to store assets and hope they go up in value."

R
Rick Schlimback
Founder & CEO, BLAZE Wallet

1. Executive summary

BLAZE Wallet is a next-generation cryptocurrency wallet designed for everyday payments. While the crypto market has matured significantly, with a total market cap exceeding $2 trillion, the vast majority of crypto holders still don't use their assets for daily purchases. BLAZE changes this paradigm.

Our mission is simple: make crypto payments as fast, easy, and ubiquitous as using cash or a card. With our proprietary QuickPay technology, users can initiate payments in seconds by simply scanning a QR code. Settlement time depends on the chosen blockchain. Combined with AI-powered features, multi-chain support across 18+ blockchains, and enterprise-grade security, BLAZE is positioned to become the go-to wallet for crypto payments.

The BLAZE token (BSC) serves as the utility token powering our ecosystem, enabling staking rewards up to 20% APY (launching Q1 2026), fee discounts, governance participation (Q2 2026), and access to premium features.

3 taps

To pay

18+

Blockchains

5

AI features

20%

Max APY

2. Market analysis

The cryptocurrency market has experienced tremendous growth, yet the payment use case remains largely untapped. This represents a significant opportunity for BLAZE Wallet.

Market size

Total crypto market cap$2.5T+
Crypto wallet users400M+
Using crypto for payments<5%

Growth drivers

  • Rising inflation eroding fiat purchasing power
  • Growing merchant adoption of crypto payments
  • Improved blockchain scalability and lower fees
  • Regulatory clarity in key markets
  • Increasing demand for financial sovereignty

The inflation problem

Traditional fiat currencies have lost significant purchasing power over the past decades. The Euro has lost approximately 30% of its value since 2000, while the US Dollar has lost over 40%. Crypto offers an alternative store of value – but only if it can also function as a medium of exchange.

-30%
EUR since 2000
-42%
USD since 2000
+∞
BTC potential

3. The problem: crypto isn't spent

Despite the growth of the crypto ecosystem, almost no one actually uses cryptocurrency for daily purchases. Current wallets are designed for trading, holding, and DeFi – not for real-world payments. This creates a paradox: crypto is meant to be digital money, yet it's rarely used as money.

Wallets aren't real wallets

Current crypto wallets are designed for traders and DeFi users, with complex interfaces that intimidate everyday users.

Payments take too long

Waiting minutes for transaction confirmations at checkout is impractical. Traditional cards take seconds.

Complexity overwhelms users

Gas fees, network selection, slippage settings – these concepts confuse new users and create friction.

Security concerns

Scams, phishing, and malicious smart contracts put users at risk. No protection against common threats.

Limited merchant adoption

Few merchants accept crypto, and those that do often use clunky third-party processors.

Fragmented ecosystem

Assets spread across multiple chains with no unified experience. Managing multiple wallets is tedious.

The opportunity

If we can solve these problems and make crypto payments as easy as tapping a card, we unlock a massive market. With 400+ million crypto holders worldwide and growing merchant interest, the timing is perfect for a payment-focused wallet.

4. Our solution: BLAZE Wallet

BLAZE Wallet is designed from the ground up for payments. Every feature, every design decision, every line of code serves one purpose: making crypto payments as fast, easy, and secure as possible.

Lightning fast

Initiate payments in seconds with QuickPay technology. Settlement time varies by blockchain.

AI-powered

Smart features that protect you from scams, optimize fees, and simplify transactions.

Bank-grade security

Non-custodial architecture, biometric auth, hardware key support, and AES-256 encryption.

Key differentiators

Payment-first designUI optimized for quick payments, not trading
Multi-chain unified18+ chains, one seamless experience
Real merchant supportQR codes work at any accepting merchant
Human-friendlyNo jargon, no complexity, just payments
Smart securityAI detects threats before they harm you
Earn while you holdUp to 20% APY on staked BLAZE tokens

5. QuickPay: instant crypto payments

QuickPay is our flagship feature – the technology that transforms crypto from a speculative asset into an everyday payment method. It's designed to be faster than card payments and simpler than cash.

How QuickPay works

1

Scan

Point your camera at the merchant's QR code

2

Confirm

Review the amount and tap to confirm

3

Done

Payment sent to the blockchain

Technical implementation

  • Layer 2 solutions for near-instant finality
  • Optimistic transaction confirmation
  • Auto gas estimation and fee optimization
  • Merchant fraud protection system
  • Multi-currency support with auto-conversion

Use cases

Coffee shops
Retail stores
Online shopping
Restaurants
Services
Travel

For merchants

Accepting BLAZE payments is simple. Generate a QR code, display it at checkout, and receive payments directly to your wallet. No intermediaries, no chargebacks, minimal fees.

0.5%
Transaction fee
0
Chargebacks
24h
Settlement

6. AI-powered features

BLAZE integrates five AI-powered features designed to make crypto simpler, safer, and more efficient. These aren't gimmicks – they solve real problems that crypto users face every day.

AI transaction assistant

Send crypto using natural language. Just say "Send 50 USDC to @john" and the AI handles the rest – finding the right address, optimizing the route, and confirming the details.

Natural language commandsSmart address bookTransaction history searchVoice support

Smart scam detector

Real-time security scanning that analyzes addresses, smart contracts, and transaction patterns to identify potential threats before you lose money.

Address reputation scoringContract risk analysisPhishing detectionSuspicious pattern alerts

Gas optimizer with smart scheduling

Our unique smart scheduling feature analyzes network conditions to automatically find the best time and fee for your transactions. Save up to 40% on gas fees.

Smart scheduling (unique!)Real-time gas predictionsBatch transaction optimizationFee comparison

Portfolio advisor

AI-powered insights into your holdings with personalized recommendations, risk analysis, and market opportunities tailored to your portfolio.

Portfolio health scoreDiversification analysisYield opportunitiesRisk alerts

Market analyzer

Real-time market intelligence that tracks trends, sentiment, and opportunities across the crypto ecosystem to keep you informed.

Sentiment analysisTrend detectionPrice alertsNews aggregation

7. Technical architecture

BLAZE Wallet is built on a modern, scalable architecture designed for security, performance, and extensibility. Our non-custodial design ensures you always maintain full control of your assets.

Frontend

  • Progressive Web App (PWA)
  • React + Next.js framework
  • WebAuthn biometric authentication
  • Offline-first architecture
  • Hardware wallet integration

Backend

  • Multi-chain RPC aggregation
  • Real-time price feeds
  • AI model serving infrastructure
  • Transaction indexing
  • Push notification system

Supported blockchains

Ethereum
BSC
Polygon
Arbitrum
Optimism
Base
Avalanche
Solana
Fantom
Cronos
zkSync
Linea
Scroll
Mantle
Blast
Mode
Celo
Gnosis

8. Tokenomics

The BLAZE token is the utility token powering the BLAZE ecosystem. It provides holders with staking rewards, fee discounts, governance rights, and access to premium features.

Symbol
BLAZE
Total supply
1,000,000,000
Network
BSC (BEP-20)
Burn rate
0.1% per tx
Liquidity lock
50% / 1 year

Token distribution

Community rewards20%
Staking rewards16%
Liquidity pool15%
Treasury15%
Presale (120M)12%
Team (6mo vest)12%
Marketing10%

Token utility

  • Staking rewards up to 20% APY (Q1 2026)
  • Transaction fee discounts (up to 50%)
  • Governance voting rights (Q2 2026)
  • Premium feature access
  • Merchant partnership benefits
  • Early access to new features

Presale details

Presale tokens
120,000,000
12% of supply
Presale price
$0.00834
per token
Launch price
$0.02
per token
Early bird discount
58%
vs launch

Early supporters receive bonus tokens: Founders (first 100) get +100%, Early Birds +75%, Pioneers +50%, Believers +30%, and Supporters +15%. All bonuses are additional tokens on top of purchase.

Staking tiers (launching Q1 2026)

Flexible
8%
No lock
Min: 100 BLAZE
Standard
15%
6 months
Min: 1,000 BLAZE
Premium
20%
12 months
Min: 10,000 BLAZE

9. Security

Security is not an afterthought at BLAZE – it's foundational. Our multi-layered security architecture protects users at every level, from smart contracts to the application layer.

Smart contract security

  • Built on audited OpenZeppelin contracts
  • ReentrancyGuard on all external calls
  • Comprehensive test coverage (100%)
  • Multi-sig admin controls
  • Time-locked upgrades
  • Bug bounty program

Wallet security

  • Non-custodial (you own your keys)
  • AES-256 encryption for stored data
  • Biometric authentication (WebAuthn)
  • Hardware security key support
  • Session timeout protection
  • Transaction signing verification

Audit status

Our smart contracts will undergo a comprehensive security audit by CertiK, a leading blockchain security firm, planned for Q1 2026. The full audit report will be published before public beta launch.

Scheduled for Q1 2026

10. Roadmap

Our development roadmap is designed to deliver value incrementally while building toward our vision of making crypto payments ubiquitous.

Q2 2025

Foundation

Completed
Core wallet architecture & developmentMulti-chain infrastructure (initial 10 chains)Smart contract development & testingSecurity framework & encryption designWebsite & branding developmentTeam formation & seed funding
Q3 2025

AI & QuickPay

Completed
QuickPay integration (instant QR payments)AI Transaction AssistantSmart Scam DetectorGas Optimizer with Smart Scheduling (unique feature)Portfolio AdvisorMarket Analyzer
Q4 2025

DEX & fiat integration

Current
Li.Fi integration (token swaps)Onramper integration (fiat on-ramp & off-ramp)Multi-chain support expansion (18+ chains)PWA & mobile-first designWebsite & branding finalization
Q1 2026

Presale & app launch

BLAZE token presale launchiOS app launch (App Store)Android app launch (Google Play)Public beta releaseStaking platform goes liveCertiK security auditCEX listings (initial)
Q2 2026

Growth & expansion

CEX listings (continued)Merchant partnerships programBLAZE card program launchGovernance launch (1 token = 1 vote)Referral & cashback system
Q3 2026

Ecosystem development

Cross-chain bridgesHardware wallet supportAdvanced AI featuresEnterprise solutionsNFT marketplace expansion
Q4 2026

Global scale

Worldwide merchant adoptionBanking partnershipsMulti-currency card rolloutDAO governance fully activeMajor exchange listings

11. Team

BLAZE is built by a dedicated team passionate about making crypto accessible to everyone. Based in Groningen, Netherlands, we combine deep technical expertise with a user-first mindset.

R

Rick Schlimback

Founder & CEO

Crypto enthusiast and entrepreneur with a vision to make digital payments accessible to everyone. Passionate about building products that solve real problems and bring the benefits of cryptocurrency to everyday users.

Company information

Company:BLAZE
KvK number:88929280
Location:Groningen, Netherlands

Join the BLAZE revolution

We're building the future of crypto payments. Join us on this journey and be part of making cryptocurrency truly usable for everyone, everywhere.

Disclaimer

This whitepaper is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency investments carry significant risks, including the potential loss of principal. Past performance is not indicative of future results. Always conduct your own research and consult with qualified professionals before making investment decisions. The information in this document is subject to change without notice. BLAZE Wallet is a non-custodial service and does not provide custody of user funds.