According to Lex Sokolin, the fintech sector is rapidly evolving as traditional fintech companies transition into protocols, which then develop into networks and, ultimately, decentralized economies. Sokolin emphasizes that protocols can scale more effectively than conventional companies due to the advantages of ownership over subscription models. This structural shift signals a movement away from SaaS towards sovereign infrastructure and machine-driven systems, which is likely to have significant implications for trading strategies and valuation in the cryptocurrency market, as the new model prioritizes user participation and decentralized governance (source: Lex Sokolin).