Paying bills with crypto used to mean selling everything first, waiting for bank transfers, then maybe paying rent two days later. @yanngerardi from @mtpelerin talks about giving people actual IBANs tied to their wallets so you can just... pay for stuff directly. Timestamps: 00:00 - Intro 02:12 - Why self-custody matters 04:25 - Onboarding via mobile wallet 06:15 - Education vs UX for new users 07:50 - Launching personal IBAN accounts 10:20 - Fees structures 12:12 - Tokenized share & user incentives 13:53 - Supporting EUR, USD, CHF stablecoins 16:00 - IBAN proxy and payment use cases 18:26 - Growing European user base 20:02 - Roadmap: card, yield, global growth 22:10 - Onramp trends and payment flows 26:48 - User insights: investing, DeFi & payments 28:19 - Five-year vision: payments, adoption, access
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