"Commerzbank isn't the only bank interested in our business" Every banker on the planet should read @gregory_raymond's interview with @jean_deblock, CEO of @DeblockApp: Why? Because it shows, with absolute clarity, how a new generation of fintechs is quietly building what banks should have built years ago - and doing it with a level of execution and technological independence that is honestly staggering. The French crypto start-up didn’t assemble a patchwork of vendors like most fintechs. They built everything themselves: "Unlike 99% of fintechs, we chose to build everything in-house: KYC, core banking, payment rails... It took longer and was far more challenging - two years of development - but today we enjoy significantly higher margins than our competitors," Jean explains in @TheBigWhale_. This independence is exactly what makes banks nervous. Not only because Deblock is scaling fast, but because the banks themselves are starting to realize what they’re missing: "We’ve received a huge amount of interest from other very large European banks. Some groups literally sent their M&A teams to our offices to understand what they were missing." But the real shockwave comes from the business model. Deblock captures 100% of the Visa interchange - a privilege only accessible to direct members - and uses it to fuel a tokenized cashback flywheel: "Instead of paying cashback in the traditional way, we distribute it in $BLOCK tokens. Then we use those revenues to buy back tokens on the market and burn them. The more our clients use their card, the more commissions we generate - and the more we buy and burn tokens." While traditional banks still struggle to modernize their front-end, Deblock is already integrating DeFi as a native feature, not as an experiment: "There is huge demand for fixed yields… and we’re actively working on it. We’ve already passed €20 million in deposits via @Morpho, and our goal is to open the full range of DeFi opportunities in a simple, integrated way." And what comes next is even more disruptive: "Imagine sending your bitcoin to the protocol of your choice and instantly receiving the stablecoins converted to euros in one click in your Deblock account. Getting a loan in a few seconds, and being able to use it in the real world - that’s where we’re headed." This is not "crypto for crypto people." This is banking infrastructure rebuilt from scratch, with DeFi rails, regulatory compliance, real payment networks, and a consumer-grade UX. ...