everyone's saying neobanks would be the next meta after stablecoins. neobanking isn't just a “meta” they're building the infra for the next generation AI agents
what is a neobank?
neobanks are simply digital banks. all operations happen online without the use of any traditional/ physical branch. you can open an account, fund an account, manage funds, save, even getting a card all without any traditional or physical branch.
we see AI evolving everyday (might take your job 🙂), yeah- traditional banking is almost wearing off. with the state of ai growth, traditional banks are most likely to integrate AI usage very soon. but hey, neobanks are mostly powered by AI.
why neobanks?
> easy access: no-one would want to keep going to physical banks in the nearest future to facilitate transactions. with neobanks you can literally do everything from the comfort of your parlour.
> minimum kyc: as we all know, kyc's are the biggest enemy of a crypto guy. we'd prefer using a buggy app without kyc than using a super cool app with kyc. but neobanks also seek to be legalized for more adoption therefore has minimal kyc.
> seamless global transfers with less fees, earn yields on balances ( hold and earn while spending), access to defi financial activities
highlighting some projects associated w/ web3 neobanking in 2025 (in no particular order)
@etherfi@karmawallet@ready_co@avicimoney@useTria@UR_global
crypto cards tier list by @route2FI- https://t.co/j8XafDzZuy
a fire write-up about this by @0xsammy - https://t.co/dvfBu9T7xc
i'm convinced the next meta is neobanking because it's the next logical evolution of stablecoins, I actually spent a good chunk of my time at token talking about this as well