It appears that the next thesis is that as these neobanks increase, to promote APYs, they would need to utilise DeFi lending protocols to advertise yields.
So far, in this paradigm, AAVE and Morpho are best suited for this. Others like Fluid, Euler, Pendle may require the assistance of risk curators because users wouldn't be managing this directly.
Therefore, the flow wouldn't go there until risk curators take action (you could also argue that assets from Pendle might pass through Morpho, but I don't want to get ahead of myself).
Hence, you can see that the industry landscape, along with the Porterâs Five Forces, is gradually shifting based on "buyers" and "suppliers." It's no longer as straightforward, and I believe this is what makes it exciting.
On a personal note, if I were to bet on a job that can both maximize getting hired in the space AND TradFi or some Fintech, I would focus on this ecosystem.
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