when you eat at your corner bistro you should also be able to invest in your corner bistro

imagine that you could elect to top up your bill with $20 into the company's @square capital loan

you earn interest & become an advocate for the biz; the bistro's cost of capital declines

you diversify savings across different local businesses, beat back the tide of corporate homogenization, and develop a savings habit that scales with your expenditures.

The interest accrues back into your cash app where this local fixed income portfolio gets managed.

you can invest in fractional shares of equity,

why not fractional shares of fixed income that then stitch you into your main street community, serve as a reminder to patronize your local businesses and allow you to serve the role that community bankers once did?

we have often talked about how @CashApp will become the bank branch in your pocket

combined in this way, with @square capital, you not only serve as the bank's customer, but also the banker.

There are substantial legal/operational frictions that make this whole vision a reach (with crypto offering some potential solution-sets), but @square has the right puzzle pieces to make a try at it, and there are really interesting ways that it could amplify into the @cashapp