#加密钱包 Seeing the news about Stripe's acquisition of the Valora team and Xiaomi pre-installing the Sei Wallet, I have to admit that I feel a bit complicated inside.

On the surface, this all seems like good news—big companies are entering the market, payment systems are improving, and compliance is advancing. However, those who have experienced several bear markets understand that this kind of "mainstream integration" story can easily mislead people. I want to remind you of a few common pitfalls:

Firstly, the fact that Valora's core technology was not sought after during the acquisition is very crucial. What does it indicate? It indicates that the wallet itself is not that valuable; large companies want users and ecosystem protocol rights, not the technology itself. This implies a risk—when the interests of the platform and the users conflict, who will guarantee the safety of your assets?

Secondly, we should be more vigilant about the pre-installation of Xiaomi phones. 168 million phones sound impressive, but the Web3 payment system will only be launched in Hong Kong and the EU in Q2 2026. During this time window, what can a pre-installed Wallet do? Don’t naively think it’s just for a better user experience. The real purpose is to establish a user base in advance, lock in usage habits, and accumulate data. By the time stablecoin payments are launched, will you still have the freedom to choose?

My suggestion is simple: **self-custody wallets are the safest if you manage your own private keys**. These mainstream applications are indeed convenient, but the cost of convenience often means transferring risks to centralized platforms. Xiaomi's MPC wallet solution looks secure, but once legal disputes or policy changes arise, your assets can be frozen in an instant.

The core logic of surviving on the chain hasn't changed - having control in your own hands is what allows you to live with dignity. The trend is fine, but don't let the story cloud your judgment.