Looks like Flow has figured it out and is pivoting to go all-in on consumer-grade DeFi scenarios. After all, in the current blockchain space, DeFi is one of the few areas with a clear PMF. The path is pretty straightforward: gradually advancing from the protocol layer to the application layer, then introducing wallets, enabling fiat on/off ramps and asset management, and adding card issuance to create a closed loop for all user financial activities.