Spent the last two months learning a lot about neobanks. The TLDR is that they're shiny wrappers of the same archaic financial rails that lend your deposits out and give you little to no interest in return. The solution is DefiBanks. Imagine a world where you self-custody your assets in a mix of USDai, DayFi's yield fund, sUSDe, and USDC. The portfolio generates between 8-12% yield on your savings account. You borrow against that with a credit line, and freely spend dollars which you pay back from your savings account (which doubles as a hedge fund). Sounds really nice to a consumer, but imagine how impactful this could be for a merchant in Latin America who makes razor-thin margins and earns no yield on their business bank account. Or someone in Nigeria whose wealth is tied up in BTC that no bank would accept as collateral for a loan. Dropping a report about the future of DefiBanking next Tuesday on @MessariCrypto.