eric(@defyneric):genius fintech infra idea: build the FDIC insurance layer for neobanks. one of the biggest barriers to getting customers to hold large balances with a new neobank is trust. so sell neobanks insurance on their customer deposits. charge an annual premium based on deposits covered and let them pass that protection directly to customers. now any neobank can offer: “your deposits are insured up to $250,000.” sell neobanks the trust they need to attract larger deposits. who’s building the FDIC layer for neobanks? genius idea.

2026.08.27 20:52

genius fintech infra idea: build the FDIC insurance layer for neobanks. one of the biggest barriers to getting customers to hold large balances with a new neobank is trust. so sell neobanks insurance on their customer deposits. charge an annual premium based on deposits covered and let them pass that protection directly to customers. now any neobank can offer: “your deposits are insured up to $250,000.” sell neobanks the trust they need to attract larger deposits. who’s building the FDIC layer for neobanks? genius idea.