Neobanks are running two payment systems at once.

Revolut already did ~$10B in stablecoin volume, Nubank pushing crypto custody into US banking. Card rails still dominate merchants but growth is happening on stablecoins.

That’s the key divergence.

Legacy = trusted, slow, expensive
Stablecoins = fast, global, composable

This won’t flip overnight, but once merchants start optimizing for margins, stablecoin rails win. Whoever captures merchant flow controls the next payment stack.

And crypto is already sitting in the backend waiting.
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〽️ Crypto Pulse 👉 @degendaoinfo #crypto