Surprisingly few consumer crypto apps are worth recommending. Where are they? Are incentives misaligned, or do users only care about speculation? Friend Tech showed that consumer apps combining speculation can thrive. But this consumer+speculation combo didn't work out for Zora it seems. Looking for apps like these: • @0xppl_ - Social network for tracking trades, wallet, etc. • @rodeodotclub - Web3 Instagram • @fantasy_top_ : KOL Card game • @farcaster_xyz & @polymarket need no intro • @heydotxyz social app for Lens On the flip side, crypto+fintech consumer apps are growing in popularity: • @GnosisDAO building CryptoFi eco: Gnosis card, EURe stablecoin, Gnosis VPN @hoprnet • @Mantle_Official launching Mantle Bank to become Revolut of DeFi • EtherFi just announced • @ether_fi just announced DefiBank: non-custodial TradFi bank alternative The recent increase in crypto cards shows a real PMF (tax avoidance? lol) But the true narrative of crypto adoption might bypass retail consumer apps for a while, as institutional adoption gains momentum: Stablecoins, stock tokenization, and spot ETFs represent a top-down approach, while retail consumer apps (and gaming) could've driven a bottom-up adoption of crypto. GameFi, too, struggles this cycle. While both paths are being explored, the Big Money appear to favor institutional crypto adoption. Meanwhile, crypto combined+ occupies a middle ground, and retail consumer apps continue to struggle to find their PMF for now.