# Wallets are not banks

Crypto wallets and stablecoins solve only a few use cases: sending to different wallets, trading, and investing. They are not interoperable with fiat.

Wallets cannot solve core banking needs because they lack the infrastructure for security (one single signature shouldn't wipe out your entire money) , identity & fraud prevention, and unsecured credit growth.<br>

When we talk to users and ask if they could switch their primary bank to Avici, the number one reason they hesitate is, *“I want to maintain a good credit score in my bank to get a home mortgage.”*

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