openfinance

the next wave of "users", "retail", "billion" whom the product owners, web3 marketing wizards, and social media interns think are not smart do really not care about whether you call your services APPS or DAPPS.

they just want networks of SUPERAPPs where they can play better cooperative games, tap into cheaper financial rails such as fintech apps powered by crypto and better than their banks, easier almost in-no-time remittances and settlements thereof.

they want "play, win and ease."

apparently, some ETF personnel have more of an understanding regarding decentralization that many consumer crypto teams living on layer2 and layer3 dis-solutions nowadays.