If you have ever paid online with Stripe’s new Link wallet, autofilled a checkout with Apple Pay, or topped up a Revolut account, you have used a piece of financial architecture that took decades to perfect. Sadly, for crypto and all its talk of reinventing money, the crypto industry has stubbornly failed to catch on.
The principle is so simple it feels obvious. The thing you tap to pay should not be the thing that holds your money.
