20. The winning products will be those that regulators can simulate under crisis.
21. Crypto is no longer competing with fintech. It is competing with monetary policy itself.

17. Euro-native products are no longer patriotic. They are strategic.
18. The hardest product problem now is not onboarding. It is exit under stress.
19. If your data model cannot express leverage and exposure, you cannot scale.

14. “Decentralisation” without supervisory legibility is becoming a liability.
15. If your roadmap ignores group-level supervision, it is already obsolete.
16. The next FTX will not look like fraud. It will look like over-integration.

11. The product moat is moving from features to balance-sheet architecture.
12. Compliance-first UX will become a competitive advantage.
13. Your DeFi integrations are now part of the financial stability perimeter.

8. If you cannot map your counterparty risk in real time, you are not shipping fintech — you are shipping blind exposure.
9. Tokenised deposits will outcompete stablecoins in regulated payments.
10. Payments is not the battlefield. Funding and liquidity is.

6. “Platform everything” is the new shadow banking. Expect it to be dismantled.
7. Custody concentration is not an ops issue. It is a systemic risk surface.

3. If your stablecoin strategy is USD-only, your roadmap is already geopolitically biased.
4. Multi-issuer stablecoins are not a growth hack — they are a regulatory time bomb.
5. UX without macroprudential alignment is now technical debt.

21 CPO Insights after Europe’s systemic crypto reset

1. Crypto is no longer a feature. It is becoming financial infrastructure.
2. Product velocity is no longer your main KPI. Regulatory survivability is.

En 2026 gana el producto que pase el walkaway test.
Todo lo demás es marketing.

@creatiblock

Ethereum no quiere “más uso”.
Quiere sistemas que no colapsen cuando cambian las ideologías, los mercados o los gobiernos.

@creatiblock

No estás construyendo una app.
Estás diseñando un sistema que debe funcionar sin humanos.

@creatiblock

La descentralización no es una feature.
Es una propiedad emergente de una arquitectura correcta.

@creatiblock

Si necesitas convencer a los usuarios de que confíen en ti, estás resolviendo el problema equivocado.

@creatiblock

Escalar sacrificando descentralización es la forma elegante de recrear Web2.

@creatiblock

El verdadero product-market fit en Web3 es sobrevivir a tu propia bancarrota.

@creatiblock

Tu producto no debería morir con tu startup.

Si lo hace, nunca fue infraestructura.

@creatiblock

L2 no es “infra barata”.
Es una máquina de ejecución soberana verificable desde L1.

@creatiblock

Ethereum 2026 no compite por narrativas.
Compite por resiliencia civilizacional.

@creatiblock

Pregunta incómoda:
¿Puede tu usuario recuperar fondos sin tu ayuda?

Si la respuesta es no, el producto está roto.

@creatiblock

UX Web3 correcta ≠ ocultar la blockchain.
UX correcta = mostrar que el usuario no depende de ti.

@creatiblock