Revolution or digital makeup? Fintech and crypto are not the same
Financial innovation has two faces: one that modernizes the old ways, and another that challenges the system from the roots. Fintechs have democratized services, making them faster and more accessible, but under the traditional centralized logic: digital banks, loan apps, instant payments... everything runs on private servers and with state supervision.
Crypto, on the other hand, proposes an alternative model: decentralized networks, open code, and users with real control. However, its mass adoption still faces barriers such as volatility, complexity, and a false decentralization in many projects.
So what does the user choose? Results. If it solves a problem, saves time, or generates value, it matters little whether it comes from a digital bank or a blockchain. Utility prevails.
What is coming is a convergence: fintech adopting blockchain and crypto simplifying its user experience. The battle is not ideological, it's functional. Whoever provides better solutions wins.
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