The given article highlights the key trends associated with crypto, beginning with the idea maze concept and ending with the future directions of its development and implementation. The need for mediation elimination was the key reason for creating Bitcoin, an online payment network characterized by transactions without identity. While Bitcoin is noted as important during the global financial crisis to handle its negative impact, Ethereum was timely offered to customers who doubted banks as intermediaries. Furthermore, there are three key crypto theses, including sound money, web 3, and open finance, all of which have a similar ethos of disintermediation. The problem of designing a new feature to optimize the removal of the side one seems to be cognitive dissonance and the main problem. The potential solution refers to focusing on not only ethos as motivation to change but also external catalysts and customers. For sound money, unbounding to physical realms, and providing the so-called Internet money are the catalysts, Web 3 is marked by the opportunity of digital data ownership, and open finance offers unified data affordable to many consumers.
As for the trends in the future, sound money is regarded as the option to elaborate on to develop the concept of decentralized digital money. Web 3 is likely to experience the dilemma between user experience and trust, which can be expressed in the unwillingness of customers to compromise their comfort. Registered versus bearer instruments are viewed as the key challenge in terms of open finance: the former implies a trusted intermediary, and the latter establishes legal claims on rights. It is assumed that reduced compliance and costs, the modularity of services, and experiments can be considered to contribute to resolving the crypto dilemma discussed in the article.