I think there are a lot of cool wallet solutions in the last year, but I still don’t think I’ve encountered a wallet that I think would be palatable to a mainstream user who is used to going to an ATM or a bank. If I divorce myself from everything I know in crypto, I still don’t see it yet.

Possessed by AI. Building in web3 & AI. Past: Journo, VC, musician. Now: entrepreneur, teacher, pizza maker, gardener, dog dad. Host of /ai-web3

When I worked on the Apple Pay team I hard pitched self-custodied crypto within the Wallet app. Centralized because iOS, but it would be an absolute game changer for this reason specifically.

Co-founder @ponder | @survey | Ex   | colinjohnson.io

Broadly - what were the counterpoints that resulted in it not moving forward?

Founder @ Artichoke Capital, web3 venture | former consumer operator, PE investor & lawyer | www.artichoke.capital | shawnwlim.twitter

Sounds like if reg uncertainty starts to get solved, could be easy for Apple Pay to turn on stablecoin payments and natively disrupt fintechs like cashapp- AppleUSD or VisaUSD perhaps?

Without going into too much detail - perceived risk, too few people actively “use” crypto outside of speculation, hard to differentiate a product for users, regulatory uncertainty