Kraken is no longer just an exchange. They're aiming to be the app store for finance. While some exchanges build mega apps that serve everyone, Kraken is building different apps for each user type. High frequency traders, memecoin speculators, and users sending money home have nothing in common. Why force them into the same interface? So Kraken is unbundling with different apps. Memecoin degens can use Inky, where swipe based UX abstracts away chain complexity and turns trading into low stakes discovery rather than analysis. Remittance users get Krak, where stablecoin balances earn around 4% APY and a Mastercard debit card lets users spend instantly with zero FX fees across 160+ countries. Underneath all of this sits Ink, their OP Stack L2. Developers building on Ink get distribution to Kraken's 10+ million verified users, and Kraken curates what makes it to the surface.(Delphi Digital)