The next big consumer finance app won’t win on yield, but it’ll win on gamification (or gamblification, rather). Had an interesting chat with a friend building in the space and it changed how I look at retail. Average users don’t care about 1% more cashback on a neobank or 2% more yield on a vault. Those numbers are too small to move human behavior. What actually retains users is the journey, and more and more that means gamification. It’s what keeps people hooked: • Perps over spot - onchain equity perps did ~16x the volume of tokenized stock spot in June. • Points programs - farming drives more volume than the product itself (see Variational flipping tradexyz) • Prediction markets - turning every news into something you can bet on • Lotteries - no-loss lotteries pool the yield and pay it to random winners. People prefer a small chance at a big win over a tiny guaranteed return • Memecoins - the purest form of it You can see it as negative or positive, but the market’s clearly been moving there for a few years now. Funny part is I’m the opposite, still min-maxing neobanks for the lowest fees and best net cashback lol. I’m probably not the average user, but I can totally see this becoming the new reality.