Crypto never found product-market fit. VCs moved on except for stablecoins, tokenization, and neobanks. Blockchain lowers the cost of moving capital and speeds up markets. Companies are choosing to integrate without the ethos and spirit of our industry. This makes finance cheaper, better, faster, even though its not composable with open and permissionless finance. I used to be a decentralization maxi. I'm not anymore. Neo Finance is eating traditional finance.