@binji_x: how to build a great crypto consumer app in 2026

Binji argues that the real opportunity in crypto is building apps where crypto serves as the underlying substrate and access point for new experiences, rather than building better crypto apps. He proposes four tests for any such bet: define a specific user and outcome, serve users who already do the behavior, be ten times better rather than 10% better, and catch a shift in existing user behavior. He cites Stripe's $1B cash acquisition of Bridge, whose stated outcome was that businesses choose it as the only platform they need to stablecoins, and Revolut's rise against European incumbents despite a weaker balance sheet.