every single financial innovation since 2020 was driven directly or indirectly by crypto

directly:
> stablecoins
> tokenization
> perpetual futures
> prediction markets
> nakamoto consensus
> automated market makers

indirectly:

> instant bank settlement
banks were forced to match 24x7 and T+0 expectations

> embedded finance
wallets trained users to expect financial actions inside any app

> bnpl
exchanges normalized instant risk-based credit at checkout

> ai underwriting
defi lending introduced real-time collateral and liquidation engines

> open-banking payments
defi composability proved programmable account-to-account transfers