(1) If you find the time, I'd be very keen to read about this history of how this market came to exist & how the earliest entrants succeeded or failed. Pointer

(1) If you find the time, I'd be very keen to read about this history of how this market came to exist & how the earliest entrants succeeded or failed. Pointers to books (or better yet, your voice) would be great! (2) How do you think crypto & defi will change the credit card markets?