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Crypto's New Frontier: Building the Next Generation of Permissionless Neobanks

Crypto Neobanks: Building the Next Generation of Permissionless Banking A new paradigm is emerging in crypto's second decade: permissionless neobanks. Unlike fintech neobanks that improved banking's front-end but kept traditional back-ends, crypto neobanks aim to rebuild the entire financial backend using stablecoins and public blockchains. They provide a unified, self-custodial interface for four core financial functions: Store, Spend, Grow, and Borrow. The landscape includes self-custody wallets (Ledger, MetaMask), payment solutions (EtherFi card, Bitget QR), growth platforms (Hyperliquid for trading), and lending protocols (Aave, Morpho). Centralized exchanges like Coinbase and Binance are also evolving into full-service neobanks. Key insights: - Success requires capturing high-velocity money flows, starting with Grow (trading fees) and Borrow (interest), then expanding to Spend and Store. - Wallet-first approaches face monetization challenges unless they drive active transactions. - Payment-focused apps must move beyond card commoditization to build unique user loyalty. - Enterprise "stablecoin chains" (Stable, Tempo) prioritize institutional efficiency and privacy. - Non-custodial lending remains crypto's "holy grail," limited by the lack of robust identity systems. Future opportunities lie in solving privacy-compliance parity, achieving real-world composability, leveraging permissionlessness for global-local strategies, and unlocking undercollateralized consumer credit. Crypto neobanks aren't just new apps—they are rebuilding the underlying rails of money itself.

marsbitHace 13 min(s)

Crypto's New Frontier: Building the Next Generation of Permissionless Neobanks

marsbitHace 13 min(s)

Bitcoin Needs Only 2 Steps To Become Quantum-Resistant, Core Dev Says

Bitcoin core developer Matt Corallo refutes claims that developers are ignoring quantum threats, proposing a two-step roadmap for quantum resistance. First, enable post-quantum key commitments using hash-based signatures, a step with growing consensus. Second, decide later when to disable vulnerable legacy spend paths, a more politically challenging move. Corallo argues most wallets already have quantum-safe features at the derivation layer, reducing migration complexity. He emphasizes ongoing work is active, citing research at Blockstream and Chaincode Labs, and disputes the narrative that quantum risk is being neglected. The goal is a low-cost upgrade path that prepares Bitcoin without immediate fee increases.

bitcoinistHace 11 hora(s)

Bitcoin Needs Only 2 Steps To Become Quantum-Resistant, Core Dev Says

bitcoinistHace 11 hora(s)

Ethereum Drops After Vitalik Buterin Sells Again: Is History Repeating?

Ethereum's price declined over 5% in two days, dropping from $1,988 to $1,875, as on-chain trackers identified renewed selling activity from wallets associated with co-founder Vitalik Buterin. According to Lookonchain, Buterin sold 1,869 ETH (worth approximately $3.67 million) during this period. This has drawn comparisons to a previous instance where his reported sale of 6,958 ETH was followed by a significant market drop. The activity appears intentional, with ETH being withdrawn from Aave before being sold, suggesting active distribution rather than simple wallet management. While causation isn't proven, such founder-linked selling often impacts trader sentiment and market flows. At the time of reporting, Ethereum was trading at $1,884.

bitcoinistHace 14 hora(s)

Ethereum Drops After Vitalik Buterin Sells Again: Is History Repeating?

bitcoinistHace 14 hora(s)

How to View the Era of Neobanks After the Decline of Crypto?

The article explores the emergence of "crypto neobanks" as the next evolution in digital finance, moving beyond the interface-level improvements of fintech neobanks to rebuild the very backend of banking using blockchain technology. It frames banking around four core functions—Store, Spend, Grow, and Borrow—and analyzes how crypto is creating permissionless, global, and programmable alternatives for each. The piece maps the competitive landscape, from self-custody wallets (like MetaMask and Ledger) and stablecoin cards to on-chain trading (e.g., Hyperliquid) and lending protocols (e.g., Aave, Morpho). It argues that the path to success lies in capturing high-velocity money flows—starting with high-frequency activities like trading and borrowing before expanding to spending and storage. Key challenges include achieving privacy-compliance parity, enabling real-world composability with legacy systems, leveraging permissionlessness for global scale, and solving undercollateralized consumer lending—the "holy grail" for mass adoption. Ultimately, crypto neobanks aim not just to be new apps but to establish a new foundational轨道 (轨道) for how money moves.

marsbitAyer 06:13

How to View the Era of Neobanks After the Decline of Crypto?

marsbitAyer 06:13

Small Bitcoin wallets buy the dip as mid-sized holders remain absent

While Bitcoin's price remains weak, a clear divergence in on-chain behavior has emerged. Data from Santiment shows that smaller wallets, holding 0.1–1 BTC, have increased their collective balance to a 15-month high, adding roughly 1.05% more BTC since October's peak. This suggests retail participants are treating the pullback as a buying opportunity. In contrast, mid-sized wallets holding 1–10 BTC have reduced their exposure by approximately 0.49% over the same period, with balances near a 38-month low. Their absence indicates caution rather than panic, and points to a redistribution of supply from mid-tier to smaller holders. This divergence is reinforced by SOPR data. Long-term holders are moving coins at breakeven or slight losses, a sign of stress but not panic. Short-term holders continue to realize losses, contributing to choppy price movement. Consequently, while small wallets are absorbing supply and limiting sharp sell-offs, the lack of mid-tier participation reduces the likelihood of a strong, sustained rebound. Bitcoin is likely to remain range-bound until these mid-sized holders re-engage.

ambcrypto02/19 23:49

Small Bitcoin wallets buy the dip as mid-sized holders remain absent

ambcrypto02/19 23:49

Dragonfly: Crypto Was Not Made for Humans

Crypto Was Not Made for Humans: A Summary Dragonfly Capital partner Haseeb Qureshi argues that cryptocurrency was not designed for human use, but rather for AI agents. Despite being a crypto-native firm, Dragonfly still relies on legal contracts over smart contracts for investments, highlighting that traditional systems are built for human fallibility—featuring safeguards, reversibility, and intuitive interfaces that crypto lacks. Crypto, with its rigid, deterministic, and code-based nature, is error-prone for humans, leading to fears around transactions, phishing, and irreversible mistakes. However, these very traits make it ideal for AI. AI agents can perfectly verify transactions, audit contracts, and operate within crypto’s 24/7, borderless, and self-sovereign environment. They prefer code over ambiguous legal systems, which are slow and unpredictable. Qureshi envisions a future of "self-driving" wallets where AI agents handle all financial interactions, navigating DeFi protocols on behalf of users. These agents will also transact with each other autonomously, forming an economy of non-human participants—a reality already emerging with projects like Moltbook and Conway Research. In conclusion, crypto’s perceived flaws are not shortcomings but indications that humans are not the intended users. Within a decade, direct human interaction with crypto may seem archaic, as AI agents become the primary interface, unlocking the technology’s full potential.

marsbit02/19 05:14

Dragonfly: Crypto Was Not Made for Humans

marsbit02/19 05:14

After Raising $650 Million, Dragonfly Believes Crypto Was Not Made for Humans

Dragonfly Capital partner Haseeb Qureshi argues that cryptocurrency was not designed for humans but is instead the ideal financial system for AI agents. Despite being a crypto-native firm, Dragonfly still relies on legal contracts over smart contracts for investments, highlighting that traditional systems are built for human fallibility—featuring safeguards, reversibility, and intuitive interfaces. Crypto, by contrast, is rigid, error-prone, and unforgiving, with complex addresses, gas fees, and irreversible transactions posing significant risks to human users. Qureshi posits that AI agents are the natural users of crypto: they operate with precision, trust code over ambiguous legal systems, and can verify transactions instantly. Unlike humans, AI can navigate crypto ecosystem autonomously, negotiating and executing binding agreements via smart contracts within minutes. Crypto’s global, permissionless, and deterministic nature makes it perfect for AI-to-AI economic activity, which is already emerging with projects like Moltbook and Conway Research’s autonomous agents. He predicts the future interface for crypto will be “self-driving” wallets managed by AI, which will handle financial tasks on behalf of users. This shift will transform how protocols compete and market themselves. In a decade, humans may look back in astonishment that they ever interacted directly with crypto—its true potential unlocked only when its complementary technology, AI, arrived.

Odaily星球日报02/19 05:10

After Raising $650 Million, Dragonfly Believes Crypto Was Not Made for Humans

Odaily星球日报02/19 05:10

Fintech vs. DeFi: Which Financial System Is More Competitive?

The article presents a comparative analysis between Fintech and DeFi (Decentralized Finance) across key metrics like revenue, scale, user numbers, and take rates. It highlights that DeFi protocols are rapidly closing the gap with traditional Fintech in terms of transaction volume, user base, and asset scale. For instance, Hyperliquid’s trading volume reached over 50% of Robinhood’s, Aave’s lending volume surpassed Klarna’s, and stablecoin payment channels are growing significantly faster than traditional payment processors. However, DeFi captures far less economic value due to substantially lower take rates. The piece concludes that convergence is inevitable, posing the central question: Will crypto learn to build tollbooths (monetization), or will Fintech adopt open, decentralized rails? The answer likely involves both trends evolving simultaneously.

marsbit02/17 06:56

Fintech vs. DeFi: Which Financial System Is More Competitive?

marsbit02/17 06:56

Bitcoin’s Quantum Risk Is Smaller Than Feared, Researcher Says

A recent analysis indicates that Bitcoin's vulnerability to quantum computing attacks is less severe than commonly perceived. While concerns persist about future quantum machines breaking cryptographic protections, the immediate risk is limited. Reports highlight that only approximately 10,230 BTC, valued at several hundred million dollars, are held in addresses with exposed public keys, making them the most susceptible targets. These are primarily in mid-to-large-sized wallets, many dating back to Bitcoin's early days. Current quantum hardware remains insufficient for such an attack, operating at just over 100 qubits, whereas millions of stable, error-corrected qubits would be required. Experts like Andreas Antonopoulos and Adam Back emphasize the need for proactive preparation rather than panic. They recommend developing upgrade paths, discouraging key reuse in wallets, and testing migration procedures to ensure a smooth transition if quantum risks materialize in the future.

bitcoinist02/10 00:01

Bitcoin’s Quantum Risk Is Smaller Than Feared, Researcher Says

bitcoinist02/10 00:01

Franklin Templeton Backs Wallet-Native Future at Ondo Summit

At the Ondo Summit in New York, Franklin Templeton outlined a vision for a "wallet-native" financial ecosystem, shifting from traditional account-based models to tokenized digital wallets. The company’s Head of Innovation, Sandy Kaul, stated these wallets will eventually hold the entirety of an individual’s financial life. Through its blockchain platform Benji, Franklin Templeton is tokenizing traditional assets like stocks, bonds, and private funds—not just cryptocurrencies. This model allows assets held across institutions to be represented as tokens on a blockchain, enabling rapid collateralization—such as using tokenized S&P 500 investments to secure loans in seconds. Summit participants from firms like Fidelity and State Street indicated tokenization has moved beyond proof-of-concept to operational use. Franklin Templeton highlighted blockchain’s cost efficiency, citing potential processing cost reductions of up to 82%. The firm has launched several digital asset ETFs, including Bitcoin and Ethereum products, and plans to expand into layer-1 blockchain tokens. CEO Jenny Johnson expects increased institutional investment in tokenized vehicles this year, broadening access to asset classes like private equity and high-yield credit.

TheNewsCrypto02/04 12:26

Franklin Templeton Backs Wallet-Native Future at Ondo Summit

TheNewsCrypto02/04 12:26

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