[PaulHoule]

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.

[AlePra00]

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.

[xyzzy123]

I guess the problem is that it seems like an opaque financial product. ETFs or crypto are not useful for "saving" but the risk profile is at least a known quantity.

The return you quote is a numeric range but there's no corresponding number or signal you provide for risk and we have to trust you. So, how can we trust you? Independent audits and deposit guarantees.

[AlePra00]

we are based on moprho all transaparent and on chain, morpho is 9B+ deposits and also a lot of secuoty audits we are non custodial wallett on privy

[PaulHoule]

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?

[AlePra00]

Today: you do a bank transfer, we handle the conversion through a fiat ramp, your money goes on-chain. You never touch Coinbase, never see a wallet address, never sign a transaction. You see a balance and it grows. But honestly, we’re not fully there yet. The ramp still adds friction. The end state we’re working toward is pure web2 experience on web3 rails — feels like opening a savings account at any neobank. Deposit euros, watch your balance, withdraw to your bank. The stablecoins, vaults, and smart contracts underneath should be as invisible as SWIFT is when you send a wire today.