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Why Now Is The Best Time To Build In Crypto

From Y Combinator · Published Oct 23, 2025 · Watch on YouTube

TL;DR

The video argues that crypto infrastructure – scaled chains (Base, Solana), mature stablecoins (~$200B market), simpler wallets, and emerging US regulatory clarity – has reached a tipping point enabling founders to build consumer and business applications that were previously impossible or too expensive.

Key insights

  • Crypto’s cost problem has flipped: sending $5 used to cost $5; now it costs 0.5 cents or 0.05 cents, comparable to the shift from dial-up to broadband internet.
  • Layer‑2 blockchains (e.g., Base) sit on top of a decentralized layer‑1 (Ethereum) and compress millions of transactions to achieve lower fees while inheriting security and censorship resistance.
  • Fintech has evolved from 1.0 (PayPal, 90s) → 2.0 (apps on legacy rails) → 3.0 (rewriting the financial system from the ground up on programmable crypto platforms).

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