Billions have smartphones—but no bank accounts.
Fintech is mobile. Banks are not.
Mobile money is local. Stablecoins make it global.
Nice to have in New York
Need to have in Nairobi

Look at the numbers:
• 1.4B unbanked globally
• 70% smartphone penetration in emerging markets
• Near-zero infrastructure costs for DeFi
• No legacy systems to maintain
Traditional neobanks can't compete with this math.
DeFi is eating their lunch in real-time.

Lex Sokolin | Generative Ventures

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