Look, everyone's talking about mass adoption, but here's what they're missing: digital banks are literally the bridge we need. Not crypto-only platforms, not traditional institutions trying to pivot—actual neobanks built from the ground up.

Think about it. The next wave of users isn't coming from Wall Street or Silicon Valley. They're in regions where traditional banking failed them, where a smartphone is their first financial tool. These folks don't need lectures about decentralization—they need seamless experiences that just work.

Neobanks get this. They've already cracked the UX code for fintech, built the trust layer, handled the regulatory maze. Now imagine layering crypto rails underneath that familiar interface. Suddenly, cross-border payments aren't a nightmare. Remittances don't eat 10% fees. Savings accounts can tap into DeFi yields without users knowing what a smart contract is.

That's the real play for reaching the next billion. Not replacing what works, but upgrading the infrastructure invisibly. The revolution won't look like a revolution—it'll look like better banking.