Maybe because of UX, UI, trust, ease of access, lack of regulations...

What's your take? Not only in payments, but also for personal investments. There are a lot of barriers to entry still, for the "average joe", and I think trust is key to access, for example, the Defi space and investing in these products.

Have you got an opinion made about CBDCs already?

Jeez why would we need such thing? We have no need for controlling our lives through money. I am not saying it will happen, but it sure does open a Pandora's Box.
People in the majority still don't have financial literacy, and now will have to deal with CBDC's too?

I think that people need medication, and ease of access to financial markets to get used to save and invest.
Decentralized crypto is a far better option than CBDC's, and projects aiming to bring ease of access to Defi for example, are projects working on the good for the people.

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Now, as I said, centralized payment systems are much easier, no matter what we simplify. Giving them a centralized system based on Bitcoin is not really a step forward (not your keys, not your coins). And if we add on top the fact that Bitcoin comes with various fees (and I talk about conversion from/to fiat) and its price is fluctuating a lot... I am not sure it will help them. They don't afford to lose any penny.
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It is a hard question to solve without centralization. I am a fan of decentralizing, but decentralized systems are also really hard to understand and get access to, for many many people in the 1st world, let alone for other countries.

The solution can be bridging both worlds.

Do you know any projects working with this mindset?

Which money works are you referring to?

it is always a good idea to have a diversified portfolio. Defi investment products are a good option, alongside stocks. Have you got some Defi investments?

A good and diversified portfolio can help fight the effects of inflation, and Defi can provide new investment opportunities I guess. But it is no easy task to access Defi for newcomers.

Can anyone recommend projects aiming on bringing Defi products for more traditional investors who trust in stocks and assets managers?

Taking Defi mainstream is no easy task (I guess ) here it enters the Rebus project on the Cosmos ecosystem! https://www.rebuschain.com/

TradFi and DeFi hand in hand? Well we can argue that an intersection bridging the two worlds together could massively benefit the Crypto space, leading to the mass adoption everyone seems to be talking about.

But is Defi easy to access and trustworthy enough for serious new investors, who have never tried to manage cryptocurrencies?

Investment in crypto assets is bound to grow, and naturally more people are turning to their traditional financial institutions expecting crypto services to be available. That’s where Rebus comes in, assisting in building the best crypto products possible for conventional financial establishments.

The Cosmos ecosystem allows this type of operation to take place with success. Cosmos is built to be natively interoperable, allowing chains to intercommunicate with the Rebus chain easily. It also allows full sovereignty in running operations, making the regulations and law compliance a checked mark on the list.

The https://www.rebuschain.com/ will build the first set of DeFi Instruments, or products, the platform is designed to allow building for 3rd parties,and platform partners.
Each channel partner will have the benefit of evaluating and vetting instruments before offering to their clients, just as they would with anything else.
This eliminates the need for investors to take unique steps just to diversify into this new digital asset class.

In addition, investors can rely upon their trusted advisors to protect them from illegitimate offers that only benefit founding members.

The $REBUS token, the native coin of the Rebus chain, carries a variety of use cases within the ecosystem, including securing the PoS, governance and paying for fees.

Ease of access, trust, and portfolio diversification. That is what makes me follow this $REBUS token and project.

Is there any alternative basis that is not as concentrated as capital? It seems that human personhood is the most evenly distributed and scarce resource on Earth.

I love to see innovation and bringing to life new ways of doing things. I'll have to give it a study to understand it.
What about the interconnectivity?
Sovereignty and scalability of this?