What would be transformative is fully on-chain banks, no overdraft fees, no account fees, and yields that are DeFi yields (4-8%)—and that being delivered to consumers, like everyday people, across the world ... That is a very simple idea. It doesn't require a lot of code. It doesn't require a lot of smart contracts. It's really just about 'How do I build a product that has that user experience that can scale to a very large number of people?' And the impact of that would be astronomical. Like, all of a sudden, you have completely transformed the banking industry with one app.
