Neobanks changed how fintech thinks about money. Now, crypto builders want to do the same, without custody.
In this episode, Itamar Lesuisse, CEO of Ready, and Mike Silagadze, CEO of EtherFi, argue the real shift isn't about "crypto cards," it's about who controls your assets. EtherFi鈥檚 and Ready鈥檚 self-custodial apps merge saving, spending, and investing. The result: faster settlement, lower fees, and more transparency, but also new challenges around compliance, credit, and security.
Itamar Lesuisse and Mike Silagadze explain how layer 2 networks made crypto cards economically viable after years of failed attempts and how Africa鈥檚 FX markets could become the breakthrough use case for crypto banking.
Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com
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Guests:
Links:
Timestamps:
馃幀 0:00 Intro
馃挸 1:57 What crypto neobanks are, and why they鈥檙e suddenly booming
鈿栵笍 6:19 Custody as the real divide between traditional and crypto banking
馃彟 8:07 From Argent to Ready, turning wallets into full neobanks
馃挸 10:05 Why early crypto cards failed, and how L2 settlement fixed them
馃挵 18:49 Credit without credit scores: the rise of collateralized cards
馃敀 32:52 How smart accounts and recovery improve wallet security
馃實 44:29 Onchain FX and the next profit frontier for crypto banks
馃殌 55:36 How self-custody could reach mass adoption
馃敋 58:19 Closing thoughts
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