Pi Network’s Payment Bottleneck: Why Access and Inclusion Must Be Prioritized

In the decentralized world of crypto, accessibility and inclusion are often touted as core values. Yet, as Pi Network continues to evolve, recent developments have highlighted critical gaps in access—particularly for older users and those relying on third-party services. A recent update shared by @gfc199 brings attention to the ongoing issues with Onramper and Transfi, two services that have played a role in facilitating Pi purchases.

This article examines the current limitations in Pi Network’s payment infrastructure, the implications for its community, and how the upcoming decentralized exchange (DEX) could reshape access and equity in the Pi ecosystem.

The Onramper and Transfi Dilemma

Onramper, a fiat-to-crypto gateway integrated into Pi Network’s wallet interface, is currently non-functional. Users attempting to purchase Picoin through this channel have encountered persistent errors, with no available transfer mechanism to complete transactions. Compounding the issue is Transfi, a service provider within Onramper, which enforces an age restriction that excludes users over 70 years old from participating.

This policy has sparked frustration among long-time Pioneers—many of whom have been active contributors to the Pi ecosystem since its early days. Despite repeated complaints submitted to the Pi Core Team via the official support portal, the issue remains unresolved.

Age Restrictions: A Barrier to Inclusion

The age-based limitation imposed by Transfi raises broader questions about inclusivity in crypto. Blockchain technology is often celebrated for its potential to democratize finance and empower underserved populations. However, when access is restricted based on age, it undermines that promise.

Many older Pioneers have invested time and effort into building the Pi Network community. Denying them the ability to purchase Picoin not only limits their participation but also contradicts the network’s stated mission of creating a fair and inclusive digital economy.

Onramper currently is not functioning. There is no transfi to do the transfer of your purchase.

Remember I have several times complained that Transfi has condition of age limit? I complained to Pi Core Team via minepi support portal.

That age limit has denied countless Pioneers… pic.twitter.com/8MLXaDI3fQ

— ONE WORLD DIGITAL CURRENCY (@gfc199) October 9, 2025

The State of Exchange Access

Currently, the option to buy Picoin via exchanges remains inactive. The “Buy via Exchanges” feature in the Pi Wallet is still greyed out, leaving users with no viable alternative to acquire Picoin through official channels. While the Core Team has initiated a decentralized exchange (DEX) on the Testnet, the final version is still in development and not yet available for public use.

This delay has created a bottleneck in the ecosystem. Without functional onramps or exchange access, users are unable to fully engage with the network’s economic features. This not only affects individual users but also slows the broader adoption of Picoin as a utility-driven digital currency.

The Promise of the Pi DEX

Despite current limitations, the development of Pi Network’s DEX offers a glimpse of a more equitable future. Once launched on the Mainnet, the DEX will allow peer-to-peer trading of Picoin without reliance on centralized intermediaries. This could eliminate many of the barriers currently faced by users, including age-based restrictions and regional limitations.

The DEX is expected to be integrated directly into the Pi Wallet, providing seamless access for verified users. This integration will enable secure, transparent, and censorship-resistant transactions—aligning with the core principles of web3.

Building a Truly Inclusive Ecosystem

For Pi Network to fulfill its vision of a decentralized and inclusive digital economy, it must address the current access issues head-on. This includes:

• Re-evaluating partnerships with third-party providers that impose discriminatory policies

• Accelerating the rollout of the DEX to provide alternative access points

• Enhancing communication and support for affected users

• Ensuring that future infrastructure decisions prioritize accessibility for all age groups and regions

These steps are essential not only for user satisfaction but also for the long-term credibility and sustainability of the Pi ecosystem.

Conclusion: Inclusion Is Not Optional

As Pi Network continues to grow, it must remain vigilant in upholding its foundational values. The current challenges with Onramper, Transfi, and exchange access highlight the importance of designing systems that serve all users—regardless of age, location, or technical ability.

The upcoming DEX represents a critical opportunity to correct course and deliver on the promise of decentralized inclusion. For the millions of Pioneers who have supported Pi Network from the beginning, it’s time to ensure that no one is left behind.

Writer @Ellena

Erlin is an experienced crypto writer who loves to explore the intersection of blockchain technology and financial markets. She regularly provides insights into the latest trends and innovations in the digital currency space.

 

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