Nicky

Founder @BetterBank_io | Building cooperative DeFi systems that generate value for all | Passionate about human consciousness, freedom and sovereignty.

[Nicky @BetterNicky]

Wouldn't mind hosting some neobank assets in the Stronghold 🤔

[coco🔮 壳壳 @0xcoconutt]

https://t.co/p80bSpRqpB

[Nicky @BetterNicky]

This is why we're in a great time to launch a savings structure: a banking structure run by its users.

These projects, in line with regulations, can be the current account to our savings accounts.

Make money with us: spend it with them.

Gotta love the future! 🙏🏻❤️

[Stacy Muur @stacy_muur]

2025 will be known as the year banking went on-chain.

For years, “crypto neobanks” were a theory.
The tech wasn’t ready, the laws were murky, and users didn’t yet trust themselves to hold their own keys.
But this year, everything aligned.

1️⃣ Technology matured.

L2 networks like @arbitrum, @base, and @Mantle_Official made on-chain payments cheap and instant.

Account abstraction and smart wallets (Gnosis Safe, SafePal, Argent) solved crypto’s biggest UX problem – recovery, fees, and usability.

Stablecoins became spendable: @gnosispay and @payy_link now let you swipe crypto at any Visa terminal. And restaking protocols like @ether_fi unlocked real yield, powering debit and credit cards with 5–10% returns.

The rails were finally fast, cheap, and composable.

2️⃣ Regulation caught up.

In Europe, MiCA provided clarity on stablecoins, licensing, and compliance all under one rulebook.

In the U.S., the 2025 GENIUS Act legalized USD-backed stablecoins, protecting users and freeing innovators.

Together, these laws gave crypto neobanks something they never had before: legitimacy.

3️⃣ Macro tailwinds hit.

High interest rates and inflation made people ask why their savings earned 0.1%.

Stablecoins earning 5–10% yield suddenly looked rational.
A strong dollar drove global demand for digital USD, especially in emerging markets where local currencies were collapsing.

Crypto neobanks stepped in, offering dollar accounts, yield, and cards accessible to anyone with a phone.

4️⃣ Users evolved.

Crypto users want control with self-custody and also convenience.
Not DeFi dashboards, but intuitive apps.

Crypto neobanks answered with simple, yield-bearing wallets that feel like Revolut but without middlemen.

5️⃣ Competition stagnated.

While traditional neobanks plateaued, Revolut, N26, and Chime turned risk-averse, adding crypto trading but not innovation.

Into that void came @Plasma, @UR_global by Mantle, @ether_fi Cash, @gnosispay and @MetaMask, offering higher yields, better cards, and true asset ownership.

So why 2025, not earlier?

It took this long for the puzzle pieces to align.

The infrastructure (L2s, smart wallets, stablecoins) had to mature.
The regulators had to bless it.
Users had to lose faith in custodians.
And fintech incumbents had to slow down just enough for crypto-native builders to break through.

I believe this is the final layer of DeFi, the point where finance stops looking “theoretically decentralized” and starts feeling usable.

It took a decade of trial, collapse, and evolution.
But in 2025, crypto finally became bankable, and banks, finally, became optional.

[Nicky @BetterNicky]

What's @BetterBank_io for?

Just for some lending and borrowing? Just a new seigniorage scheme?

No, it's for wealth creation.

BetterBank's Stronghold is an on-chain savings account. 50% avg. apy on stablecoins? Have it!

But its Wildlands is where the secret sauce is. The ownership token Esteem is an investment in opportunity. It makes you a banker. And as a banker it's your job to take care of the clients with the savings accounts, and make good money doing it.

How?
Well... If you can collateralize your credit tokens, then who needs selling? Value then actually gets added in a very real way.

Instead of only the highest level investors profiting from fiat printing, BetterBank brings that principle to retail. But safer and better.

See you there?

[Nicky @BetterNicky]

Sorry I'm a little late retweeting this. I'll be there! Join me?

[Pharos | Mainnet Arc @pharos_network]

"Tokenize Everything? The Infrastructure RWA Needs Now"

Join Pharos on Nov 6, 2025 at 12PM UTC for a discussion hosted by @jack_gk

🔹 What’s blocking full tokenization of real-world assets?
🔹 Building key layers: liquidity, compliance, custody
🔹 Legal engineering’s role in linking smart contracts to real-world rights

Featuring: @janesh_dani, @tonstakers, @PicWeGlobal, @ShiftRWA, @BetterBank_io & @nirvanalabsai

Don't miss this conversation!

[Nicky @BetterNicky]

So the US banks are on the brink of failure? 😳

The reverse repo is overused? 😏

TradFi is doing great these days 😅

All that regulation is working wonders 😂

[Nicky @BetterNicky]

So I designed a system where it's really hard to lose money if used as recommended. @BetterBank_io
...and then still people are headstrong and manage to create risky positions with our tokens 😅
Why 😂🦧