As banking infrastructure becomes plug-and-play, Researcher argues 90% of neobanks will fail, with distribution and customer trust emerging as the only durable moats

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Synapse/Evolve is the scar tissue here: 100k+ fintech users learned that an FDIC logo on a partner-bank stack does not protect you when the middle ledger breaks and no bank has actually failed. Crypto cards and stablecoin accounts can dodge some of that by making settlement and reconciliation verifiable on-chain, but most “wallet banks” still wrap opaque custody, KYC, issuer, and off-ramp dependencies. Durable trust means users can see where the money sits, how redemptions work, and what breaks first.

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As banking infrastructure becomes plug-and-play, Researcher argues 90% of neobanks will fail, with distribution and customer trust emerging as the only durable moats

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As banking infrastructure becomes plug-and-play, Researcher argues 90% of neobanks will fail, with distribution and customer trust emerging as the only durable moats

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USDT0 argues legacy payment rails are ill-suited for AI agents, positioning stablecoin infrastructure as a better fit for real-time API-driven transactions

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Crossmint and Paga partner to bring multi-chain stablecoin infrastructure to Africa.

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USDT0 argues legacy payment rails are ill-suited for AI agents, positioning stablecoin infrastructure as a better fit for real-time API-driven transactions

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