The thing I think about most is payments. Not the apps, the plumbing. How people actually spend money and what has to be true underneath for that to work. Who holds the collateral, who takes the credit risk, who settles, and who keeps the ledger.

When I look back at what I have worked on, all of it is some piece of that question. The DEX was about moving value without an intermediary. Chainlink was about getting a fact from outside a chain onto it so a bank would trust it. Apocor was about who gets to issue a card and run their own rails. Gether is about being able to spend against what you own without having to sell it first.

The accounting track is the same question from the other direction. Every payment rail is a ledger with a set of rules attached to it, and accounting is where those rules get written down. I do not think you can build the first thing well without understanding the second.

What I actually want to build is the version of this where ledgers and lending protocols work together so that ordinary people get more spendable capital out of what they already own. Not more leverage for people who already have private bankers. More access for everyone else.