There is a reason @ether_fi is focusing so much on lending.
 Payments alone aren’t enough to build a great ‘neobank’ business.
 Lending is historically one of fintech’s most profitable revenue streams. Nubank generated $15.8B in revenue in 2025, with ~85% coming from interest income. SoFi grew net interest income from ~$95M to ~$617M in just four years.
 While onchain lending is fundamentally different from traditional bank credit, it makes sense that ‘crypto neobanks’ eventually move beyond making money mostly from card spending and start offering onchain lending products too.
 Etherfi is doing it through an @aave v4 spoke.
 The problem is that not every crypto neobank can do the same. Building your own spoke on Aave isn’t really an option available to everyone.
 That’s one of the main use cases we’re building a new solution for: giving neobanks the infrastructure to launch their own onchain lending products and, respectfully, do it better than Etherfi x Aave.
 If you’re building a crypto consumer app and want to compete on lending, comment below or DM me.