For Dynamic co-founder and CEO Itai Turbahn, the future of crypto is in infrastructure. His company, Dynamic, builds wallet tooling designed to disappear behind the apps we already use. In this episode of Exponential, Itai lays out a compelling thesis: the next wave of crypto adoption won’t look like crypto at all.
“The next billion users are already here. We’re not bringing them to crypto — we’re bringing crypto to them.”
Wallets, abstracted
Dynamic gives developers a simple SDK that spins up embedded wallets for their users — via email, phone, or familiar social login. It works across chains, supports both new and existing wallets, and lets teams build everything from web3 games to global fintech products without touching key management, RPCs, or wallet integrations.
“It’s like Twilio for wallets,” Itai says. “You plug it in, and the complexity disappears.”
Just as Stripe abstracted away payment processing, Dynamic is abstracting the core crypto primitives that every onchain experience depends on.
If crypto is going to reach global scale, it can’t be the product — it has to be the plumbing.
“No one has an internet conference,” Itai points out. “Crypto should be the same — just the layer you build on.”
That shift is already happening. Neobanks, remittance platforms, and consumer apps increasingly use crypto in the background — especially for global use cases where traditional rails fall short. What used to take years to build, like Venmo or SoFi, can now be spun up in weeks thanks to wallet and stablecoin infrastructure that just works.
Agentic payments and the global edge
Dynamic is also building for what comes next — including agentic AI. The team is experimenting with low-level “server wallets” that agents can use to sign transactions, manage funds, and execute programmable policies.
But the near-term frontier is global. From remittance payouts in USDC to contractors in Argentina being paid in stablecoins, Dynamic is layering in on-ramps, off-ramps, debit-card integrations, and compliance tooling to make wallets actually usable in real-world contexts.
“Giving someone a wallet isn’t enough,” Itai says. “You need to let them get money in, get money out, earn yield, and connect it to the rest of their life.”
A wallet in every app
Looking ahead, Itai offers a simple prediction:
“In five years, 50% of the apps on your phone will have a wallet embedded in them. Not new apps — the ones you already use.
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