DeFi banking without custodians.

Real spending, real yields, and real sovereignty.

@MikeSilagadze joins @razacodes to break down how @ether_fi's Neobank works (and why it's been growing exponentially lately).

Timestamps:
00:00 - Introduction
00:43 - How EtherFi started
02:56 - Cash card and the save-invest-spend framework
05:03 - Target market strategy: DeFi natives first, then broader adoption
08:42 - The reality of DeFi's user base
12:08 - Safe design and credit mechanisms
14:06 - Portfolio approach vs traditional financial silos
17:55 - Stablecoin market dynamics
20:07 - Motivation for building next-gen finance
22:52 - Competing with traditional financial giants
26:43 - Fiat collapse timeline: slow then fast
28:37 - Hot take on Bitcoin
31:04 - Examples of rapid system changeovers
32:20 - Gun rights and sovereignty parallels