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The largest neobank in the U.S. is Chime, which has grown to ~13 million accounts by offering no-fee banking. Unlike many “traditional” banks, Chime makes no money through exploitative fees. (Instead, Chime makes money primarily through interchange—essentially the amount merchants have to pay Visa and Chime when they accept a credit or debit card.)

Rex Woodbury • Squid Game and the Consumer Fintech Revolution

(Abra’s blockchain-based remittances to Third World countries),

George Gilder • Life After Google

If we act now, we can make sure that democratic values—freedom of speech, individual economic privacy, free enterprise, and free capital markets—are encoded in the digital future of money.

J. Christopher Giancarlo, Cameron Winklevoss, • CryptoDad: The Fight for the Future of Money

those services would be remade as public goods in the form of decentralized software, the way the internet itself is a public good, not run by any one profit-making corporation.

Laura Shin • The Cryptopians: Idealism, Greed, Lies, and the Making of the First Big Cryptocurrency Craze

money is the operating system of our society.

Scott Galloway • The Algebra of Wealth: A Simple Formula for Success

Increasingly, fintech isn’t just about stealing the incremental customer, or participating in the evolution of the industry from analog to digital. It is a fundamental overthrow of how things have been done historically: a complete revolution.

Matt Harris • The Future Of Money: A Complete Revolution

Frente a plataformas consolidadas en un modelo tradicional, como Western Union o Moneygram, las nuevas propuestas aportan un especial valor en países donde no existe una infraestructura financiera sólida y puede que haya fuertes controles de capital e inflación (caso de Venezuela, Argentina, Zimbabue o China), se da un elevado número de población d

Alexander Preukschat (Coordinador) • Blockchain

As an individual not employed by Visa or the Federal Reserve today, you can’t participate in US currency issuance or transaction processing today. In decentralized networks like Bitcoin, you can.

Andrew Beal • Issue #19: Participation

Money is a story. It is a story of what work has been done on credit that is yet to be redeemed. It is the Schelling point for universal credit. It is an IOU that everybody is willing to redeem (primarily because everybody is willing to redeem it) and hence that, at every instance of its transfer, it is re-ordained with the ascription of economic v