Onchain finance works. We've proven it. Payments flow, lending protocols operate, yield mechanisms exist—the infrastructure is solid.

But here's what's actually holding us back: it's not the code. It's everything wrapped around it. Onboarding remains clunky. Identity verification is still fragmented. Compliance frameworks are unclear.

The real breakthrough? When identity moves with the same fluidity as capital itself. Right now, that's the missing piece. Once we crack it—once users can port identity across protocols without friction—self-custodial finance stops being a niche play. It becomes the obvious choice.