WeFi CEO Predicts Direct Value Transfer Replaces Legacy Banking Layers
Maksym argues that financial institutions will fade as programmable infrastructure takes over core settlement functions.
Maksym, CEO of WeFi, states that the future bank will be defined by capabilities rather than institutional identity. Users will prioritize reliable access to value over the specific entity providing it. The distinction between banks, fintechs, and stablecoin platforms will become irrelevant to the end user. Value movement will shift from separate legacy systems to direct onchain pathways. This transition removes traditional intermediaries and operating hour constraints. The infrastructure will support real-time settlement across global markets.
Legacy settlement paths face replacement
Traditional banking relies on isolated systems and batch processing. Onchain infrastructure enables direct and programmable value transfer. This change connects financial segments that previously operated in silos. The core function of moving value becomes interoperable and continuous. Legacy settlement paths lose their central role in the stack. The focus shifts to underlying network reliability rather than institutional gatekeeping.
New financial entities emerge
The next decade will feature institutions focused on specific stack layers. Custody, compliance, and stablecoin settlement will define new business models. The customer relationship owner may differ from the asset issuer. Financial services are becoming layered and specialized. Companies will compete on connecting these layers into simple products. The WeFi CEO notes that this modular approach allows for greater regulatory clarity. Each layer can be regulated and audited independently.
Protected ownership balances control
Users demand control without managing operational complexity. The industry must decouple ownership from key management burdens. Protected ownership allows users to direct value while products handle settlement. This model provides transparency and reduces dependence on closed systems. It avoids placing recovery and liquidity decisions on individual consumers. The goal is clear control with automated backend execution. This approach satisfies both security needs and user convenience.
