deobanks

💡 Neo-banks vs Deo-banks: two visions of modern finance!

GM GM Web3 family, let's talk about something interesting 🤗

Over the past few years, finance has evolved rapidly. Two concepts often come up in discussions today: #NeoBanks and #DeoBanks . While they may look similar on the surface, their foundations and philosophies are very different.

🔹 Neo-banks
These are 100% digital banks, with no physical branches.
They offer a smooth, mobile-first user experience, while remaining centralized and regulated.
Funds are managed by a financial institution, following traditional rules: compliance, oversight, and trusted intermediaries.

🔹 Deo-banks (DeFi + bank)
Here, the paradigm shifts entirely.
Deo-banks are built on blockchain and smart contracts, with no central authority. Users retain full control over their funds.
Services such as payments, yield, lending, and transfers are on-chain, available 24/7, and powered by transparent code.

What you must know:

Centralization vs decentralization

Trust in institutions vs trust in code

Digitized traditional finance vs native Web3 finance

💬 Open discussion
👉 Which neo-banks do you know or use?
👉 Which deo-banks or decentralized projects do you find the most promising?

Looking forward to hearing your insights, best comment maybe will get a surprise 🤗 👇

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