Neobanks changed how fintech thinks about money. Now, crypto builders want to do the same, without custody.
In this episode, Itamar Lesuisse, CEO of Ready, and Mike Silagadze, CEO of EtherFi, argue the real shift isn't about "crypto cards," it's about who controls your assets. EtherFi’s and Ready’s self-custodial apps merge saving, spending, and investing. The result: faster settlement, lower fees, and more transparency, but also new challenges around compliance, credit, and security.
Itamar Lesuisse and Mike Silagadze explain how layer 2 networks made crypto cards economically viable after years of failed attempts and how Africa’s FX markets could become the breakthrough use case for crypto banking.
Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com
Thank you to our sponsors!
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<a href="https://www.mantle.xyz/">Mantle</a>
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<a href="https://binance.onelink.me/y874/Unchained">Binance</a>
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</ul>
Guests:
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<a href="https://x.com/itamarl">Itamar Lesuisse</a>, Co-founder and CEO of Ready (formerly Argent)
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<a href="https://x.com/MikeSilagadze?">Mike Silagadze</a>, Founder and CEO of EtherFi, and Founder of Top Hat
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</ul>
Links:
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 <li>
The Block: <a href="https://www.theblock.co/ratings/best-crypto-cards-with-token-rewards-in-2025-372126">Best crypto cards with token rewards in 2025</a>
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 <li>
<a href="https://x.com/ready_co/status/1978473224154321182">Bitcoin Starknet Staking Post</a> by Ready (Formerly Argent) 
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</ul>

Timestamps:
🎬 0:00 Intro
💳 1:57 What crypto neobanks are, and why they’re suddenly booming
⚖️ 6:19 Custody as the real divide between traditional and crypto banking
🏦 8:07 From Argent to Ready, turning wallets into full neobanks
💳 10:05 Why early crypto cards failed, and how L2 settlement fixed them
💰 18:49 Credit without credit scores: the rise of collateralized cards
🔒 32:52 How smart accounts and recovery improve wallet security
🌍 44:29 Onchain FX and the next profit frontier for crypto banks
🚀 55:36 How self-custody could reach mass adoption
🔚 58:19 Closing thoughts Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a>

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