In the future, every app will have an embedded wallet

It's just an easier, lower-cost way to send and receive payments online (especially as stablecoins grow in prevalence)

Doubly true for tools that let anyone, anywhere build and sell products. Eg a 16yo vibe codes a cool app that people around the world are willing to pay $3/month for? Far easier to spin up a wallet than navigate the financial sausage of current international payments + banking

Investing @variant, writing at https://backoftheenvelope.substack.com/

i have a few embedded wallets w apps that i had to fund in order to use, and now i no longer remember which apps have my money

and i use crypto every day but not those apps ofc 

so not sure how this makes things better for the average normie, but maybe i'm not thinking about it the way you are

onboarding funds into an app seems to be a bigger problem