That one line from Jovi Overo, CEO of Vault, perfectly captures the brutal reality of building in Web3.
As a developer deep in the trenches of smart contracts, chain integrations, and ever-evolving tokenomics, I’ve seen this truth play out over and over again. What you build today might be obsolete tomorrow — not because it’s bad tech, but because someone else shipped faster, integrated better, or caught a wave you missed.
In his interview with CoinStats, Jovi shares insights that should be required reading for anyone building in crypto, especially devs. Vault is aiming to merge decentralized finance infrastructure with embedded finance tools — essentially letting Web2 and traditional platforms tap into crypto-native features without friction. This is a huge signal of where the industry is going: abstraction, interoperability, and developer-first tooling.
Here are a few points from the interview that really stood out from a dev perspective:
1. Fintech x Web3 = Embedded Crypto
We're not just building DApps anymore. We’re building APIs and SDKs that let any app become a crypto app. If your stack isn't thinking about how to embed walletless onboarding, chain-agnostic transactions, or fiat/crypto flows, you're probably solving the wrong problem. Vault’s approach to abstracting the complexity of crypto for end users is something we should all be paying attention to.
2. Speed Is Strategy — but UX Is Survival
Shipping fast doesn’t mean hacking together MVPs that break under load. It means designing systems that scale and feel invisible to users. That includes:
- Optimized RPC strategies
- Account abstraction (ERC-4337 is your friend)
- ZK-powered identity and KYC
- Gasless transactions or pre-paid models
Developers who master the backend and the user journey will define the next cycle.
3. Partnerships > Product-Only Thinking
Jovi’s emphasis on partnerships isn't just business talk — it’s architecture-level strategy. Want your app to actually get used? Integrate with ecosystems that already have liquidity, wallets that already have users, and platforms that already have trust. Vault is pushing for composable collaboration, and if your protocol isn’t easy to integrate — you won’t get picked.
4. Real-Time Feedback Loops
Vault is moving toward hyper-adaptive systems: deploy, get real-time analytics, iterate. As devs, we need to stop thinking in waterfall releases and start thinking in feedback loops. Tools like The Graph, Dune, and on-chain analytics should be baked into your CI/CD process.
My personal take:
The lines between fintech and crypto are blurring — and that’s a good thing. But the future belongs to those who can move fast without breaking trust. Build modular. Think interoperable. Test relentlessly. And don’t wait for someone to hand you a roadmap — write your own, at speed.
Full article worth reading:
Exclusive Interview With Vault CEO Jovi Overo
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