10 Years In - The State of Decentralization
summary
Claims that banks get displaced by "money over IP" and shows a working product: a wallet that lends dollars at 9% against crypto collateral, gives 7% back to depositors, supports multiple coins, and launches June 2018 with 65,000 downloads after raising $50M. Reports user metrics: $1 billion in loans, 79% of users redeposit multiple times and 93% of days see net deposits, argues stablecoins and dApps are next steps while warning scalability, security and regulatory gaps still block mass adoption.
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chapters (14)
- 0:00Introduction
- 1:11From VoIP to decentralized finance
- 2:57Crypto taxonomy
- 4:04Bitcoin adoption race
- 6:55Bank monopolies replaced
- 8:41Killer app challenges
- 10:29East End's theorem
- 11:53Decentralized apps future
- 13:37Celsius disruptive model
- 15:49Community growth
- 16:56Blockchain misconceptions
- 17:59Taking back power
- 18:43Mass adoption chasm
- 19:07Call to action
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