The pursuit of building the next Web3 neobank overlooks the necessity of embedding financial services within existing platforms like Telegram. Telegram and The Open Network (TON) are not competing as neobanks; instead, they facilitate seamless user experiences by integrating financial utilities into users' familiar environments. With over 100 million wallets and a billion-plus users, TON resolves crypto's critical challenge of distribution. Instead of complex DeFi interfaces, successful projects will focus on providing user-friendly access through embedded solutions like tap-to-yield features, minimizing the friction typically associated with crypto transactions. Telegram's design allows financial services to be experienced as part of chat interactions, promoting mainstream adoption and easing access to digital assets. As TON develops further, AI-assisted personal finance tools could redefine user engagement, merging blockchain's utility with the simplicity expected from modern banks. The future of finance lies in integration rather than standalone applications, ultimately showcasing that attention, not product superiority, will drive financial innovation.

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