Dear DeFi founders and builders. honestly, most builders still do not understand building DeFi products for users especially when the idea is around solving an ideal problem. the "default DeFi user" most imagine is someone in the UK, Berlin or New York with a bank account and stable internet who is already familiar with financial products and already trusting institutions. that imaginary person I'll say does not necessarily need DeFi because they already have everything DeFi is trying to replace. the person who really needs DeFi is in Lagos, Nairobi, Accra, Kigali...they are the unbanked or underbanked. why are these people the best population? they are already skeptical of traditional finance because it has failed them in visible and personal ways...such as in cross-border remittances that eats 8-12% in fees, savings that looses it's value to inflation, inaccessibility to investment opportunities and products that only exist outside in major developed cities. DeFi doesn't have to convince these sort of people why the old system is broken because they already know. so, why is 'almost' nobody building with them in mind as the primary user? well, i will say, it's partly UX, maybe the infra but, the honest reality is that, most founders are building from silicon valley with the valley's assumptions baked into every design and decision. but here's what they're missing. the same constraints that make DeFi "hard to adopt" especially in Africa are the exact constraints that make autonomous agents necessary. I'll explain. an AI Agent that manages onchain portfolio doesn't require one to understand liquidity pools or sit in front of his/her phone or laptop monitoring feeds...it executes (smartly) even while one is offline or running his/her actual life. so, for a first generation investor in let's say West Africa...you will need a lot of convincing & explanation to an already (intentionally) complicated system. so, DeFi i'd say is shouldn't be limited to a narrative for degens...no, it is a next gen infra for billions of people who can't afford to be wrong or slow...actually, it is for those who wants to be smart. now that, is the thesis i am building with everything i do here. from onchain trading to autonomous agents...DeFi should not be regarded as an abstract tech experiments, rather as a tool with real stakes for people in markets that most here do not talk about. if that's the kind of conversation you want to be part of, you're in the right place...stick around. Sincerely, Viktor.

whatever man!

cc @v4run_0x

definitely @FlagshipFYI

$FYI of @FlagshipFYI