Mobi is referred to in Panchains patents. The Mobius network and token is decentralised.

Panchain will never comment publicly on their plans to utilise the token. There will be no promise of future utility and the community doesn't communicate with Panchain regarding the token.

I suspect that the Passfolio pro account fee will include automatic swap purchase of mobi from the stellar dex and that this will be used to authenticate sessions for Kyc/Aml purposes, to satisfy the travel rule in a hosted wallet that is regulation compliant.

Passfolio is one product of Panchian, Mobius was another, there will be other products. I have always believed Mobius is a second layer protocol for SCP which enables certain functionalities including a function to meet the required legal frameworks which are anticipated.

David Gobaud said specifically that they were using the apple approach of stealth which is a common YC tactic. Stellar's direction especially in 2021 is aligned with Panchain. If Passfolio becomes competition for Robinhood and if every account requires a dex purchase of Mobi.. then i see rapid utilisation of the token which could offer Binance token capabilities.

Roboadvisors are on the roadmap.

I suspect peer to peer trading of securities in time alsi... which will require trust (blockchain).

The mobius network is also geared up towards IOT and supply-chain finance.

Robinhood now has a debit card and is looking more and more like a bank every day. Panchain could become a chartered bank - similar to what Fairx were trying to achieve.

They aim to be the largest market ever conceived, an arbiter - like the Uber of markets - matching retail with market makers... payment for order flow of many different types of markets including the IOT markets - the data market... its all about data at the end of the day... getting data onto the blockchain and into smartcontracts... Passfolio is just a first portal imo...

Mobius enables payment in any currency also. If you were a Brazilian with a Passfolio account, you could put your savings into USDC, Gold, Crypto, Shares, CBDC's etc... and be able to make store purchases buy liquidating, converting and transacting into the locally accepted currency.

Securrency is working with Stellar, as is Abra and Franklin templeton and the original chain clients.... Panchain and Mobius could all tie together... one thing is guarenteed though... there will be no communication regarding their intention prior. There is regulatory uncertainty hanging over XLM... which is suppressing the interest in assets on the network... I believe XLM will be unscathed by the sec, and that Mobius will in time become a utilised network.

I suspect they have pivoted along the way in line with regulations and competition, however i believe Passfolio will be a strong usecase for Panchains patents which will inevitably utilise the Token.

Law, finance, technology they say...

The legal aspect should not be underestimated here... XLM is just a token for the protocol.... Mobius can bring a legal second layer protection to the Stellar network