DCS Card Centre, a MAS-regulated financial institution bridging traditional finance and Web3, is innovating future-facing payment infrastructure.
At the heart of this transformation is Dayna Leng, who leads branding, PR, and marketing across DCS group. DCS is now partnering with RaveDAO, the decentralized collective redefining music festival ecosystems, to explore how Web3 payments and digital-first finance can unlock new possibilities in live events. We sat down with Dayna to talk about DCS’s mission and how payments are becoming as seamless and social as the experiences they support.
1. What is DCS’s larger vision for integrating payments into cultural ecosystems like RaveDAO?
Dayna: DCS pioneered cashless payments in Singapore, and today we’re building next-generation payment solutions to bridge Web3 and traditional finance. Our vision is to make payments effortless, secure, and inclusive, enabling people to use their digital assets as easily as they use their fiat, whether for entertainment, subscriptions, travel, dining, or daily essentials.
2. How did the collaboration between DCS and RaveDAO come about? What was the original insight or opportunity that sparked it?
Dayna: As DCS builds its presence in the Web3 space, RaveDAO stood out to us because it embodies the spirit of Web3, a community-driven space that blends on-chain technology and immersive music experiences. It felt like the right moment, especially with TOKEN2049 and F1 Week bringing global Web3 players to Singapore to collaborate on something that shows how finance can integrate naturally into cultural spaces.
3. What makes music festivals or nightlife an ideal sandbox for experimenting with next-gen payment solutions and on-chain settlement?
Dayna: Music festivals are highly social, fast-paced environments exactly where payments need to be seamless. For the Web3 community, being able to use digital assets directly for tickets, food, and drinks removes friction and makes the experience feel native. It’s less about testing whether it works, and more about showing how on-chain payments can deliver convenience and familiarity in places people already love to spend.
4. There’s a lot of noise in Web3. What does meaningful innovation look like to you in the payments space, especially when it comes to real-world use cases?
Dayna: For us, meaningful innovation is when payments don’t just work, but work better, faster, safer, and more rewarding. In Web3, that means marrying the trust and safeguards people expect from regulated finance with improvements like instant onboarding, fair and transparent conversion rates, broad merchant acceptance, and tools to help users manage their assets easily.
5. How is DCS thinking about digital identity, rewards, and loyalty in Web3 contexts?
Dayna: With over 50 years of experience in issuing cards and driving merchant loyalty programmes, we’ve seen digital identity evolve from simple account logins to highly personalized ecosystems. In Web3, NFTs and PFPs add another dimension, an identity that’s portable, verifiable, and owned by the user. For rewards and loyalty, the fundamentals remain the same: people, whether Web2 or Web3, want benefits that matter to them, relevant, timely, and easy to use, whether that’s cashback, dining, shopping, travel, or digital services.
6. Zooming out: What do you think a unified digital payment experience across Web2 and Web3 will feel like to users five years from now—and how does DCS plan to shape that journey?
Dayna: In five years, we expect Web2 and Web3 payments to be far more interoperable, even if the systems remain hybrid. The shift between fiat and digital assets should feel almost invisible: one wallet, one interface, multiple payment options. A likely scenario might be paying with stablecoins at a café, earning cashback or loyalty rewards instantly, and then redeeming those rewards online without thinking about which “rail” it’s on.
DCS is shaping that future from both sides as a card issuer and acquirer with deep experience in traditional rails, and with a vision to harness blockchain technology for innovative payment infrastructure. Our role is to make the bridge so seamless that users don’t see two worlds, just one connected payment experience where they can use what they own, whether fiat or digital assets, anywhere, anytime.
