This is where fintech has been headed for some time -- a bundle of complimentary products all in a single app (payment provider + bank + loan company + crypto + etc.).

Square are demonstrating this here for business, some Chinese finance apps went down this road years ago, Revolut are billing themselves as a "financial super app".

There's tremendous advantage in having everything in one place. Each individual product can be 70% as good as best in market, but the value-add by having everything bundled in one place is huge.