{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Veera - The OnChain Neobank","description":"Andy sits down with SB, CEO and co-founder of Veera, to unpack a bold attempt at one of crypto\u2019s oldest and most stubborn problems: making it usable for normal people. From launching BlackBerrys and building early mobile ad tech, to challenging Netflix with an Asian streaming platform and exiting a travel startup, SB\u2019s winding entrepreneurial path now lands squarely in on-chain finance. The conversation traces how Veera is positioning itself as a true crypto neobank \u2014 not just a wallet with a card \u2014 and why user experience, not yield or hype, will decide whether crypto ever really breaks into the mainstream. Why you should listen SB starts by framing Veera as a product-led response to crypto\u2019s stalled adoption curve. Despite hundreds of millions of internet users globally, crypto still lives in the \u201ctens of millions\u201d club, largely because it\u2019s too complex for everyday users. Veera\u2019s core idea is simple but ambitious: your mother should be able to swap tokens, stake assets, or move funds without knowing what a bridge, seed phrase, or protocol is. That philosophy has driven Veera\u2019s focus on passkeys instead of seed phrases, simplified onboarding, and heavy use of abstraction to hide blockchain complexity behind familiar, intuitive design. SB positions himself as a \u201cfresh eyes\u201d builder in Web3 \u2014 someone who didn\u2019t grow up native to crypto and therefore isn\u2019t blind to how broken the experience still is. Geographically, Veera is betting on the same adoption arc the internet followed: emerging markets first, then deeper penetration in developed economies. SB points to Latin America, parts of Asia, Africa, and the Middle East as the next major growth zones, where access to global financial products is still limited. From there, he lays out Veera\u2019s four-pillar model: Invest, Earn, Spend, and Borrow. That includes tokenized gold, upcoming tokenized equities for users who\u2019ve never had realistic access to global stocks, multi-chain yield in a single interface, a crypto prepaid card with tens of thousands already waitlisted, and a longer-term push into on-chain lending using financial identity and credit scoring. The pitch is clear: a full-stack, crypto-native bank rather than a TradFi app with a blockchain sticker slapped on top. The conversation closes on the bigger picture \u2014 institutional capital, regulation, and what actually moves the needle for mass adoption. SB sees the market maturing, citing massive liquidation events that no longer crash the system as a sign of growing resilience and institutional presence. But for consumers, he\u2019s blunt: UX is still the real bottleneck. Yields exist, volatility is slowly compressing, but the experience remains \u201cso, so broken.\u201d In the rapid-fire hot take round, he plants his flag as a multi-chain opportunist, calls Ethereum his firmest conviction, and predicts stablecoins will become the basic financial rails of the next decade. It\u2019s a forward-looking, product-first take on a future where on-chain finance doesn\u2019t feel like crypto anymore \u2014 it just feels like money. Supporting links Stabull Finance Veera Andy on Twitter  Brave New Coin on Twitter Brave New Coin If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are using.   ","author_name":"The Crypto Conversation","author_url":"https:\/\/bravenewcoin.com\/insights\/podcasts","html":"