eric(@defyneric):someone should build the FDIC insurance layer for crypto neobanks. one of the biggest barriers to getting customers to hold large balances with a new neobank is trust. imagine being able to advertise: “your USDC & USDT are insured up to $250,000” that instantly gives neobanks: > more trust > a stronger competitive edge > way better marketing angles the model is fairly simple: underwrite the neobank based on its infra providers, smart contracts, previous incidents, and overall risk. then charge an annual premium based on the amount of deposits covered and let the neobank pass that protection directly to its customers. sell neobanks the trust they need to attract larger deposits. who’s building this?

2026.09.17 20:05

someone should build the FDIC insurance layer for crypto neobanks. one of the biggest barriers to getting customers to hold large balances with a new neobank is trust. imagine being able to advertise: “your USDC & USDT are insured up to $250,000” that instantly gives neobanks: > more trust > a stronger competitive edge > way better marketing angles the model is fairly simple: underwrite the neobank based on its infra providers, smart contracts, previous incidents, and overall risk. then charge an annual premium based on the amount of deposits covered and let the neobank pass that protection directly to its customers. sell neobanks the trust they need to attract larger deposits. who’s building this?

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