If web3 had an intuitive Venmo-like app for sending and receiving crypto, could that expedite mass adoption? Aleksei Zakharov (Ottr) seems to think so. Aleksei describes how blockchain-based products such as Ottr can give users the experience of a modern bank, all without the bank. Banking 3.0, as he calls it, eliminates the possibility of bank failures, all while making USD more accessible to emerging markets and reducing friction in international transactions. According to Aleksei, solutions like these will incentivize both consumers and merchants alike to adopt banking 3.0 platforms in the near future.