DeFi

→ Wallets and Fintechs are converging.

Web3 native apps and services are way too complicated for newcomers to navigate. To onboard the next millions onchain, there’s an urgent need to improve the UX and accessibility.

At the same time, wallets must find a path toward usability and profitability to continue innovating and provide their users the best experience and safety. They need ways to provide value-add beyond just access to onchain apps in their products.

Both @ledgerofficial and @trustwalletapp are leaders in non-custodial wallet spaces and both are exploring value-add services on top of their core offerings. It will be clear that wallets and fintechs will look very much alike in a few years.

Wallets and Fintechs will be the same category in 5 years.

Cofounder @morpho - wizard making finance a public good

building @teller 





























































hosting /kieran /usdc /loans /disclosure 🛸

Agents will replace wallets completely in 1-2 years first