> crypto wallets don’t accrue interest The Coinbase wallet integrates the major lending protocols. Ethereum fees are reasonable these days. So lending USDC or

> crypto wallets don’t accrue interest The Coinbase wallet integrates the major lending protocols. Ethereum fees are reasonable these days. So lending USDC or DAI and earning interest has become a great alternative to saving accounts. If you hold fair amounts of Bitcoin or Ethereum long term, you can use it as collateral and borrow USDC. This way you can not only let your money work for you, you can also use it to borrow dollars for a short term credit — like getting a mortgage but without a bank. Furthermore, these days there are other emerging financial tools that banks simply can’t provide. Earning exchange fees on liquidity pools, for example, or staking cryptos and earn validation fees like a miner for Proof-Of-Stake networks. Point is: Lots of innovation, here. When I look at banks nothing really has been happening there for decades.