I'm seeing a lot of discussion recently about a new generation of neobanks, built on top of crypto/stablecoins, and I don't really get it.
Why is "instantly global" appealing for most consumers and small businesses?
And what, specifically, do "modern" financial rails get you that existing rails and wrappers can't deliver?
There are some edge cases where I can see the appeal. Like if you wanted to build a B2B neobank serving businesses that are multi-country and have complex payment needs.
But for most bank customer segments, why would a Web3 neobank be superior to a Web2 neobank?
To give a specific example, why is Phantom Cash better than Cash App?
Neobank thesis
Just like Web2 neobanks created $100B businesses by simplifying banking/trading for mainstream users, Web3 neobanks will create even larger companies because they are instantly global and are built on modern financial rails not wrappers of payment tech from the 1970s.
$ETHFI is far ahead ahead of the competition in building the first global neobank built on more efficient crypto rails that can quickly scale to serve hundreds of millions of users. Highest conviction investment in this category.
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