The crypto everything app: Dan Mulligan on making DeFi truly accessible
Building the future of DeFi, one accessible wallet at a time
Most crypto wallets are built by engineers, for engineers. Dan Mulligan thinks that needs to change.
In Episode 178 of Web3 with Sam Kamani, Dan walks us through his journey—from a career in insurance analytics to full-time builder in Web3. It’s a familiar story with an unfamiliar twist: rather than joining the hype, Dan decided to tackle one of crypto’s biggest pain points—accessibility.
That decision led to Tidus Wallet, an all-in-one DeFi wallet that integrates staking, lending, borrowing, recurring payments, and multi-chain support—wrapped in a user interface designed for actual humans.
Why crypto needed a Tidus
Dan saw firsthand how fragmented the DeFi experience had become. One app for staking. Another for bridging. A third for tracking. Most newcomers don’t even know where to begin.
Tidus is designed to bring everything together into a single, intuitive interface. Users can:
- Stake and unstake across multiple chains.
- Borrow and lend assets without jumping platforms.
- Set up recurring payments using stablecoins—ideal for freelancers, creators, and subscription businesses.
- Seamlessly navigate multi-chain activity from one place.
It’s not about cramming features into one place—it’s about making those features usable for the everyday person.
The API play: NY Crypto's data infrastructure
Tidus is powered by the infrastructure Dan’s team built at NY Crypto, where they’re offering developers robust APIs that aggregate on-chain data across multiple blockchains.
These tools aren’t just backend magic—they make real-time functionality possible. Think transaction tracking, gas fee optimization, and cross-chain data visibility—all delivered through a developer-friendly stack.
Dan emphasizes that good infrastructure is the foundation for great user experience—and too often, Web3 skips this step in its race to innovate.
The hard truth about blockchains
Dan doesn’t shy away from bold predictions.
“Most blockchains today won’t survive the next five years.”
According to him, many chains are overfunded but underutilized. He believes true long-term value will come not from hype but from utility—and Tidus is being built with that in mind.
His view is that real utility, not TVL metrics or token price, will separate winners from the rest.
Bridging the Web2 gap
Dan’s vision isn’t just for Web3 natives—it’s for the next wave of users who expect simplicity, reliability, and seamlessness.
The crypto industry often underestimates just how high the friction is for new users. Tidus aims to bridge this divide by bringing Web2-like polish and experience to Web3 infrastructure—without sacrificing decentralization.
Final thoughts
This episode isn’t just about one app—it’s about a mindset shift in crypto.
Dan is building for usability, not just novelty. For long-term adoption, not short-term metrics.
Whether you're a crypto developer, DeFi user, or just someone interested in what’s next, this conversation is packed with valuable insights.
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