COZ demonstrated how to make blockchain invisible to users at Stellar 37°. Their prototype combines AI to parse payment files, Smart Accounts and passkeys for signing, and Pix for local onramps. The result: cross-border payments that feel native, not technical.
COZ participated in Stellar 37°, a five-week builder program in Rio de Janeiro where 20+ teams shipped prototypes on Stellar. The company shared a perspective on user adoption: blockchain infrastructure must become invisible. Their prototype combines AI to organize unstructured payment data, Smart Accounts and passkeys to abstract wallet complexity, and Pix integration for local onramps and exits. Instead of asking users to understand keys, gas, or transaction construction, the system handles those details in the background. The approach reflects a shift in how builders think about Web3 adoption: users should benefit from blockchain's speed and cost advantages without needing to understand blockchain itself.
