March 7, 2025 — In a move set to redefine the intersection of decentralized wireless networks and digital finance, PolyFlow has announced a strategic partnership with Roam, the world’s largest decentralized wireless network. This collaboration will integrate PolyFlow’s PayFi infrastructure into Roam’s global, free-to-use wireless network, enabling seamless value transfer for over 2 million users across 190+ countries.

The evolution of communication technologies has always driven fundamental changes in financial systems. From the Morse code of the 19th century to today’s blockchain-enabled value transfer networks, the ability to move information faster and more securely has continuously reshaped payment methods. Roam’s decentralized infrastructure has set the stage for the next leap in financial innovation — bringing instant, borderless payments to its expansive global network.

Roam is dedicated to creating a global, open wireless network that ensures free, seamless, and secure connectivity for both humans and smart devices, whether stationary or on the go. By leveraging a blockchain-based credential infrastructure, Roam has successfully facilitated the adoption of WiFi OpenRoaming among small to medium-sized businesses, With over 2M supported nodes across 190 countries, 2,349,778 app users, and 500,000 average daily network validation activities, Roam is the largest decentralized wireless network worldwide. On top of that, Roam users can also receive free eSIM data while building and validating WiFi nodes, allowing Roam to utilize an internet hyperscale business model to operate as a wireless provider.

Information Transfer Efficiency: Deconstructing the Payment Barriers of Time and Space

The emergence of the earliest telegraph technology first enabled the transfer of value across time and space. In 1858, the opening of the transatlantic telegraph cable reduced the time for bank remittances from weeks to hours, breaking the spatiotemporal barriers of financial markets for the first time. The SWIFT system, established in 1973, shortened the cross-border payment cycle from 3–5 days (using traditional Telex) to T+1. It also built the infrastructure for modern cross-border payments with its ability to process an average of 42 million payment instructions per day globally. In the Internet era, the real-time communication capability created by the TCP/IP protocol further compressed the completion time of electronic payments to the millisecond level.

Blockchain technology replaces the traditional centralized communication architecture of finance with a peer-to-peer (P2P) communication network, creating a value transfer channel that requires no intermediaries. Compared to the centralized message-switching system utilized by SWIFT, this approach enhances communication efficiency by several hundredfold. Roam, by integrating WiFi networks with eSIMs, establishes bridges for blockchain networks. With the PayFi infrastructure provided by PolyFlow, assets and value on blockchain networks can be transferred in real-time, similar to how information is transmitted over the Internet. Consequently, whether it’s sending money to relatives and friends abroad or facilitating large-scale international trade, the payment solutions offered by PolyFlow can be executed through Roam’s network, significantly enhancing the global efficiency of value circulation.

Expansion of Connectivity Boundaries: Building the Nerve Endings of Inclusive Finance

Cellular mobile communication technology extends payment nodes to every corner of the physical world. SMS payments supported by 2G networks have sparked an inclusive finance revolution in Africa. For example, HelloCash by Ethio Telecom used the USSD channel to penetrate financial services in areas with a base station coverage rate of less than 40%. Similarly, PolyFlow, through the global network established by Roam, can provide bank-level financial services to anyone with internet access, whether in the Amazon rainforest or the heart of Africa, truly achieving financial inclusion and equality.

Besides expanding geographical boundaries, Roam and PolyFlow are also connecting the silicon-based civilization. The Internet of Things (IoT) communication technology is creating new payment scenarios. For example, smart meters supported by NB-IoT have enabled automatic meter reading and billing for Italy’s ENEL company. In Japan, Lawson convenience stores have completed over 2 million unmanned payments per month using vending machines connected via LoRaWAN. The ultra-low latency of 1ms and the capability to connect millions of devices through 5G networks support Tesla’s V2X communication-based automatic charging and billing system. Similarly, with the rise of AI Agents, interactions between AI Agents or between AI Agents and humans require Roam’s network support, and their economic activities will be facilitated by PolyFlow.

Reconstructing the Trust Mechanism: In Trustless We Trust

The Bitcoin white paper depicted a world without trusted intermediaries, where cryptography and code provide the foundation for trustlessness. However, when this idealistic crypto world intersects with the very real physical world, compromise is not the only option. Instead, we need to think about how to rebuild the trust mechanism on chain.

PolyFlow provides Roam users with a dedicated PID for transactions. This PID can accommodate multiple KYC (Know Your Customer) verified addresses, enabling Roam users to enter the payment process more conveniently. More importantly, whether through PolyFlow’s payment gateway for consumption or eSIM recharges, these payment data help the PID gradually build a user’s credit profile.

A more illustrative example is the previous PayFi + DePIN program. PolyFlow transcends the traditional constraints within RWA (Real-World Assets) projects, which typically provide credit solely to institutions, by facilitating the transfer of institutional credit to project end-users. PolyFlow enables Roam’s participants to obtain loans for DePIN devices, reducing entry barriers and allowing users to actively contribute to the development of Roam’s decentralized global operator network.

With the reconstruction of the mechanism, more financial services based on blockchain communication networks will be developed. In the future, this could lead to new forms that combine communication and payment, such as a “global instant settlement network” or an “AI autonomous financial entity.”

The Network State needs to be built on Roam’s network, and the economic activities within require decentralized payment methods like PolyFlow to be realized.

About Roam

Roam is dedicated to creating a global, open wireless network that ensures free, seamless, and secure connectivity for both humans and smart devices, whether stationary or on the go. By leveraging a blockchain-based credential infrastructure, Roam has successfully facilitated the adoption of WiFi OpenRoaming among small to medium-sized businesses. With over 2 million nodes across 200 countries and 2.3 million app users, Roam is the largest decentralized wireless network worldwide. On top of that, Roam users can also receive free eSIM data while building and validating WiFi nodes, positioning Roam as a leading example of mass adoption in the DePIN sector.

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About PolyFlow

PolyFlow is an innovative PayFi protocol designed to connect real-world assets (RWA) with decentralized finance (DeFi). As the infrastructure layer of the PayFi network, PolyFlow integrates traditional payments, crypto payments, and DeFi in a decentralized manner to handle real-world payment scenarios. PolyFlow provides the necessary infrastructure to ensure compliance, security, and seamless integration of real-world assets, paving the way for a new financial paradigm and industry standards.

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