This past week, I had conversations with multiple fintech founders. Almost all of them are asking whether they need their own chain. I think it’s obvious why. Robinhood Chain just did nearly $900M in 24H DEX volume across RWAs, tokenized stocks, institutional DeFi, and memecoins. Watching those numbers only adds to the pressure: lose users now to platforms that ship faster, or lose years to the wrong infra bet. Their thinking splits in two ways: - Most understand the resources required to spin up a new chain, so they just tap into existing ecosystems that already have distribution and liquidity. - Some believe owning a chain gives them control over the full stack. Both paths hit the same wall because the market doesn’t live on a single chain. Assets and opportunities span across Solana, Hyperliquid, Ethereum, Base, BNB, and more. Pick any path, and you still need liquidity, settlement, and interoperability to bring money from other chains. And for fintechs, it all comes down to the certainty of outcome. When their user hits send, the funds have to arrive every single time. If it fails, it's their brand that takes the hit, not the infra behind it. So whichever path they choose, what fintechs are really after is the confidence to put their name on every transaction. They want to retain users, win new ones, and own that customer relationship without owning the infrastructure problem. What fintechs need is a product that just delivers the outcome their users want every time.