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Hashed Out V26: What Happens When the Bank Is a Protocol?
How DeFi, Stablecoins, and Smart Contracts Are Reshaping Money — Without the Middlemen
Scott Kasten
May 30, 2025
Welcome to Hashed Out, your weekly guide to navigating the dynamic world of Web3, brought to you by Argot (www.argotagency.io). Whether you're taking your first steps into this digital frontier or already exploring it, our mission remains the same: to demystify the complexities of Web3 and equip you with the insights and resources you need to thrive.
Our vision extends beyond a simple newsletter—we aim to build a vibrant community where both enthusiasts and newcomers can gather, learn, and grow together. Think of us as your trusted sherpa on this journey, here to translate intricate concepts into clear, actionable insights. We'll connect you with the latest data and expert perspectives from the builders, researchers, and creators driving innovation in Web3.
Join us as we transform from curious explorers into true Web3 virtuosos, one issue at a time.
Hey there Hashers!
Welcome to Part 2 of our Web3 Starter Series.
This week, we’re diving into one of the most exciting (and misunderstood) areas of Web3: Decentralized Finance — or DeFi.
We’ll explore what DeFi actually is, how stablecoins work, and why major players like Visa and PayPal are already integrating crypto-powered payments. Whether you’re looking for better savings options, a way to lend or invest without a middleman, or just want to understand the buzz, this issue is your safe and friendly starting point.
We’ve also included a step-by-step DeFi 101 companion guide, and don’t miss our new referral rewards section — where you can start earning bonus resources just for sharing Hashed Out with friends.
Let’s break down how your money is changing — and how to stay ahead of the curve.
Feature Story
What Happens When the Bank Is a Protocol?
Imagine Your Bank… but Without the Bank
You log into your bank app. You see your balance, maybe transfer some money, pay a bill. But behind that screen? There’s a building. Employees. Branch offices. Call centers. Corporate policies. Executives in suits.
Now imagine the same experience — minus all of that.
In this new world, your “bank” is a protocol: a set of rules encoded into a blockchain network. It’s always on, doesn't close on weekends, and doesn’t charge overdraft fees. There’s no CEO, no quarterly earnings call. Just lines of code running in public, doing what banks do — but differently.
This is the world of decentralized finance, or DeFi. And it’s already here.
Editorial
You Don’t Have to Be a Trader to Be in Control
DeFi isn’t about hype. It’s about agency.
When most people hear the word “crypto,” they think of volatility, day traders yelling into Discord, stories of people getting scammed, or some 23-year-old who made (and lost) a fortune overnight.
If that’s your image, I don’t blame you for staying away.
But that’s not the full story. And it's definitely not the story we’re here to tell.
Bonus Content
Companion Guide: DeFi 101 for Non-Tech People
Try the new financial stack—without risking your life savings.
Ready to take this with you?
We’ve pulled the basics you need from this issue into one easy-to-read PDF to give you simple steps to explore the world of DeFi. Perfect for printing, sharing, or referencing as you explore.
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The Hashed Out Rewards Program Is Now Live!
Love Hashed Out? Share it! When your friends subscribe through your link below, you’ll unlock exclusive Web3 resources — starting with our Crypto Without the Hype guide at just 3 referrals. We will be linking up a referral program webpage soon, but you can start earning referral credit today!
The more you share, the more you earn. Easy as sending a link.
The Wrap
Ok, it’s time to roll the credits! One last call, if you haven’t already, hit the subscribe button below to stay in the know. We have a lot of great stuff ready to be released and we would love for you to join our community and grow with us. If you have questions or comments drop us a line.
FINAL NOTES
Hashed Out is a newsletter that is affiliated with our parent business Argot.
At Argot, we’re passionate about helping businesses navigate the rapidly evolving world of Web3. From crafting brand strategies to managing content and community engagement, our services are designed to position your brand at the forefront of innovation. Whether you’re looking to integrate decentralized technologies or build a strong digital presence, our team is here to support your journey.
Curious about how Web3 can transform your business? Reach out to us at Argot and let’s build the future together.
I hope that you enjoyed this edition of Hashed Out.
Ok Hashers, that’s The Wrap. Many thanks!
(Cue awesome exit music of your choice)
Until next time,
Dr. Scott