new-gen money app ideas • positioning anti-bank • social club + invest + earn + pay, all-in-one • onchain but invisible: USD instead of USDC/USDT, no chain drama, passkey wallet, gasless • infinite milking: 0 fees, cashback forever, get $1-20 stock + 1% referred friend yields, 0.1% from theirs • AI guru: manage your risk, arrange fixed invest/auto-earn... list your gurus and earn from it • bite-size education cards: “BTC hedge dollar risk”, "ETH future internet", defi yield, risk, etc. • social craze: (anon) group chats, rankings return % by city/age; performance cards; open challenges for investing, saving, etc. • emotion-aware: your coin's ATH = app party mode, monthly “Spotify Wrapped” report, investor MBTI, 1-click share to media • sexy minimal UI what else