Why Investors Are Backing On-Chain Neobanks as Crypto Moves Beyond Speculation
For much of the last crypto cycle, capital gravitated toward protocols, yields, and narratives that promised rapid growth. Speed and novelty often mattered more than durability. New chains launched, incentive programs exploded, and liquidity followed wherever returns appeared highest. While this phase delivered meaningful technical progress, it also exposed a persistent weakness that the industry has yet to fully overcome.
Most people still cannot use it.
Despite years of innovation, decentralized finance remains inaccessible to a broad audience. The tools work, the infrastructure is live, and liquidity is deep, yet everyday users struggle to interact with it. As the market matures, investors are beginning to treat this usability gap…
