Oh, the crypto crowd’s at it again, buzzing about Neobanks like they’ve just discovered fire. 🔥 Suddenly, everyone’s all, “Real-world applications? Sign me up!” because, you know, hype-driven valuations were so last season. 🌈✨
Low-cap altcoins in this space? Undervalued, darling. They’re like the ugly ducklings of the crypto world, but guess what? They might just swan into your portfolio and make it rain. 💰🦢
Neobanks: The Digital Banks That Don’t Need Your Judgmental Teller Face
So, a Neobank in Web3 is basically a bank that’s all, “Physical branches? Ew, no thanks.” It’s fully digital, blockchain-based, and comes with DeFi perks like self-custody, yield-bearing accounts, and crypto spending cards. 🏦✨ Unlike traditional neobanks, these bad boys are all about transparency, cutting out the middlemen, and cross-chain connectivity. Because who needs intermediaries when you can have chaos… I mean, freedom? 🤷♀️
According to some fancy report, the neobanking market hit $148.93 billion in 2024 and is projected to grow at a CAGR of 40.29%, reaching $4,396.58 billion by 2034. That’s a lot of zeros, honey. 🤑
Why the growth? Stablecoins are having a moment, and investors are finally realizing that real-world utility > meme coins. 🤓 Plus, Mike S (yes, the investor) says Web2 identity infra can’t keep up if stablecoins power Neobanks. Drama! 🍿
“If stablecoin is to power Neobanks on-chain, then the current Web2 identity infra won’t be able to keep up,” investor Mike S predicted. 🧙♂️
Coingecko says the Neobank category has a total market cap of $4.19 billion, with 13 projects. Mantle’s leading the pack with $3.31 billion, followed by Ether.fi at $412 million. Not too shabby, eh? 💪
Oh, and Dune data says physical card transaction volume hit a record $379 million last month. Small potatoes? Maybe. But analysts are frothing at the mouth over its growth potential. 🥔📈
Crypto investors are betting Neobanks will explode thanks to AI agents and blockchain privacy. Some even say they’ll be the big narrative in 2026. Mark your calendars, folks! 📅✨
Low-Cap Altcoins: The Underdogs That Might Just Make You Rich (or Break Your Heart)
Sure, Mantle, Ether.fi, and Plasma had a rough November, but some low-cap altcoins are having a moment. Let’s spill the tea. ☕
1. Avici (AVICI) – The Solana Darling 💖
Avici is all about self-custodial crypto banking on Solana, with spending cards and on-chain swaps. Its market cap went from “meh” to $77 million in two months, and its price is now over $6. Go off, queen! 👑
Stalkchain says someone’s been hoarding $35K worth of AVICI at $266 per minute. That’s commitment, or a really bad case of FOMO. 🤔
A wallet is actively accumulating $35K worth of $AVICI @AviciMoney buying $266 every 1 min. With $2.2M LP and a $68M mcap, those buys add 1.57% of the entire LP in buying pressure. Estimated impact: A 1.5%-2.8% pump, higher only if the buy continues beyond this session. On… 🤑💨
Their Avici Card hit 100,000 transactions in November. Investors are dreaming of $50-$100. Ambition, I like it! 💫
2. Cypher (CYPR) – The Underappreciated Gem 💎
Cypher’s on Base Chain, rewarding users with CYPR tokens for card transactions. It’s all about open economic models and growth. Market cap? Under $10 million. Analysts say it’s undervalued. 🕵️♀️
@Cypher_HQ_ keeps going under the radar despite impressive metrics. Only behind EtherFi’s Cash in cards volume and consistently processing ~2x its market cap in payments value. Low liquidity and limited CEX listings are holding it back. 🤦♀️
3. Machines-cash (MACHINES) – The Privacy Lover’s Dream 🕶️
New kid on the block, Machines-cash, is all about privacy on Base. Market cap? Under $5 million. Analysts think it could 10x, just like AVICI. The team’s got ex-MetaMask, Trust Wallet, and DARPA folks. Plus, an AVICI advisor’s on board. Fancy! 🎩
If you missed my $AVICI call that printed a 10x for us, then don’t miss $MACHINES. Many KOLs are just now starting to push AVICI which we had very very early, and the same will happen with this one. @machines_cash is a privacy-focused crypto payment platform on Base. The… 🚀
It lets you make anonymous Visa card payments with alias accounts. Privacy’s hot right now, so this could be a winner. 👀
But let’s not forget, the market’s still gloomy, and picking winners in this space is like choosing the least messy character in a Phoebe Waller-Bridge show. Good luck! 🍀
Jay Yu from Pantera Capital says retention, card volume, and user count will crown the winners. So, keep your eyes peeled, darlings. 👁️✨
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2025-11-24 16:58