I hear you, but I think you're conflating crypto speculation with what's actually happening in financial infrastructure.
We're not selling tokens. Nobody using our product needs to know what a blockchain is. They see a savings account with a better rate that's it.
Meanwhile: Stripe acquired Bridge for $1.1B for stablecoin rails. Société Générale is building on Morpho. Coinbase routes lending through it. YC just started offering checks in stablecoins and listed "stablecoin financial services" in their latest RFS.
This isn't "crypto" anymore. It's on-chain finance the same way "the internet" stopped being a category and became invisible plumbing. European banks pay 0.5%. Overcollateralized on-chain lending pays 4-7%. That spread exists because banks capture the margin. We remove the middleman.
The people who "want to stop the insanity" are exactly our users. They don't want crypto. They want their savings to not lose value. We just use better rails.
The thing is that people like that would think messing with coinbase is like putting their hand in the toilet. Can't you make it so people don't have to visit that bad neighborhood and it seems like any other bank?
I think you're doomed.
People who aren't crypto degens just want to "stop the insanity". Like drop you into a black hole and drop that black hole into another black hole.
It's kinda late to be into crypto, I mean, we are on internet time so in 2026 this is like the only music you listen to is Chuck Berry and Elvis.
I hear you, but I think you're conflating crypto speculation with what's actually happening in financial infrastructure. We're not selling tokens. Nobody using our product needs to know what a blockchain is. They see a savings account with a better rate that's it. Meanwhile: Stripe acquired Bridge for $1.1B for stablecoin rails. Société Générale is building on Morpho. Coinbase routes lending through it. YC just started offering checks in stablecoins and listed "stablecoin financial services" in their latest RFS. This isn't "crypto" anymore. It's on-chain finance the same way "the internet" stopped being a category and became invisible plumbing. European banks pay 0.5%. Overcollateralized on-chain lending pays 4-7%. That spread exists because banks capture the margin. We remove the middleman. The people who "want to stop the insanity" are exactly our users. They don't want crypto. They want their savings to not lose value. We just use better rails.
The thing is that people like that would think messing with coinbase is like putting their hand in the toilet. Can't you make it so people don't have to visit that bad neighborhood and it seems like any other bank?
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