We're going to see an entirely new class of financial products emerge for consumers that strengthen the position of neobanks as the middle layer between trad banking and onchain finance. One example is @olivetreeyield from our current batch. They're bringing differentiated yield to crypto through insurance backed annuities. While most crypto yield comes from staking, lending, vaults and treasury products, Olive Tree unlocks insurance balance sheets as a new source of principal protected yield (e.g 5.5%) This gives consumers access to more predictable, returns while helping fintechs and neobanks offer financial products that are differentiated from the competition. Over time, this market will likely become winner take most, with neobanks competing not just on UX, but on the strongest suite of savings, yield, credit, and investment products for their customers.