Telegram is not a neobank — it’s the platform where the next ones are born
2025-07-12 15:19:37
Main Idea
The future of Web3 neobanks lies in being embedded within existing platforms like Telegram and TON, rather than standalone apps, focusing on usability and seamless integration to drive mainstream adoption.
Key Points
1. Web3 neobanks should integrate into platforms people already use (e.g., Telegram and TON) rather than compete as standalone apps.
2. TON provides infrastructure for scalable, invisible Web3 finance, leveraging its 100M+ wallets and Telegram's 1B+ users for distribution.
3. Usability (UX) is now the competitive frontier in Web3 finance, with features like tap-to-yield in Telegram reducing friction for users.
4. DeFi's next phase prioritizes attention and intuitive interfaces over yield-maximizing strategies and technical complexity.
5. Embedded financial services (e.g., Telegram Mini Apps, bots, and built-in wallets) represent true mainstream adoption, not standalone dashboards.
Description
The next wave of Web3 neobanks won’t be standalone apps; they'll be embedded within platforms people already use.
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