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Simon Taylor

@sytaylor • 70,226 subscribers

#Fintech Geek. Ranting @ https://t.co/u3KhcpA0w9 - Views 100% my own

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🚨 BREAKING: Ramp just launched stablecoin accounts in public beta. Hold stables. Earn yield. Pay vendors in USDC. Pay off the Ramp card with stables. One system for fiat and stablecoin obligations — same approvals, same controls, same accounting. That earn yield bit is meaningful. Stablecoins up and move instantly. And earn yield. --- This matters because the gap between "we support crypto" and "stablecoins are a native denomination" is enormous. Ramp threaded USDC through the existing spend management stack. The CFO sees the same controls whether a payment is USD or USDC. That matters. --- When Ramp does something it matters. They're the pace setter for Fintech, and the fastest growing non AI company there is. With each passing story like this... Stablecoins keep graduating from "interesting experiment" to "default treasury option." The companies that embed stables into existing

🚨 BREAKING: Ramp just launched stablecoin accounts in public beta. Hold stables. Earn yield. Pay vendors in USDC. Pay off the Ramp card with stables. One system for fiat and stablecoin obligations — same approvals, same controls, same accounting. That earn yield bit is meaningful. Stablecoins up and move instantly. And earn yield. --- This matters because the gap between "we support crypto" and "stablecoins are a native denomination" is enormous. Ramp threaded USDC through the existing spend management stack. The CFO sees the same controls whether a payment is USD or USDC. That matters. --- When Ramp does something it matters. They're the pace setter for Fintech, and the fastest growing non AI company there is. With each passing story like this... Stablecoins keep graduating from "interesting experiment" to "default treasury option." The companies that embed stables into existing

15,869 görüntüleme

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EXCLUSIVE: Robinhood is going to pay 7% on dollars to 27.7 million customers. In this Interview Johann Kerbrat, their SVP of Crypto explains how it all works. Robinhood Earn lives inside the main investing app. You can buy the USDG stablecoin in a few taps, and it gets deployed into vaults built with Morpho and Steakhouse, and the target yield is roughly 7%. Where does 7% come from? Market makers and liquidity providers pay it. These are traders who need USDG liquidity to run spot and perps trading. Your deposit is funding someone else's 50x leverage, and you're the one getting paid for it. Assuming you get paid back. Which, as we've seen, doesn't always work in DeFi with hacks and smart contract risk. But Robinhood has done something extra to make this retail-grade. Robinhood's answer is an insurance program with Lloyd's of London and Relm covering smart contract and vault failure. He says it's one of the largest ever built for a crypto product. Earn was one of 12 announcements; some others that caught my eye: Stock tokens in 120+ countries, backed 1:1 by real equities. You can withdraw them to a self-custody wallet and post them as collateral. Borrowing against a stock portfolio used to be a private banking perk; now it's a smart contract. Robinhood Chain went to public mainnet after 200 million transactions on testnet. Perps on stocks, crypto, and commodities at 20 to 50x leverage, bringing an entire new asset class to the mainstream. Robinhood is all in on DeFi. DeFi protocols spent a decade fighting for users. Robinhood just made a Morpho vault look like a savings account, in front of 27.7m funded customers. See the 15-minute highlights below and the full episode on the Tokenized Podcast youtube channel Full interview with Johann on bryton k. YouTube

EXCLUSIVE: Robinhood is going to pay 7% on dollars to 27.7 million customers. In this Interview Johann Kerbrat, their SVP of Crypto explains how it all works. Robinhood Earn lives inside the main investing app. You can buy the USDG stablecoin in a few taps, and it gets deployed into vaults built with Morpho and Steakhouse, and the target yield is roughly 7%. Where does 7% come from? Market makers and liquidity providers pay it. These are traders who need USDG liquidity to run spot and perps trading. Your deposit is funding someone else's 50x leverage, and you're the one getting paid for it. Assuming you get paid back. Which, as we've seen, doesn't always work in DeFi with hacks and smart contract risk. But Robinhood has done something extra to make this retail-grade. Robinhood's answer is an insurance program with Lloyd's of London and Relm covering smart contract and vault failure. He says it's one of the largest ever built for a crypto product. Earn was one of 12 announcements; some others that caught my eye: Stock tokens in 120+ countries, backed 1:1 by real equities. You can withdraw them to a self-custody wallet and post them as collateral. Borrowing against a stock portfolio used to be a private banking perk; now it's a smart contract. Robinhood Chain went to public mainnet after 200 million transactions on testnet. Perps on stocks, crypto, and commodities at 20 to 50x leverage, bringing an entire new asset class to the mainstream. Robinhood is all in on DeFi. DeFi protocols spent a decade fighting for users. Robinhood just made a Morpho vault look like a savings account, in front of 27.7m funded customers. See the 15-minute highlights below and the full episode on the Tokenized Podcast youtube channel Full interview with Johann on bryton k. YouTube

181,523 görüntüleme • 5 gün önce

Amex just enabled agents to pay on their network. Thy launched the Agentic Commerce Experiences (ACE) developer kit. And this is SUPER different to the other payments networks in a lot of ways. Why?

Amex just enabled agents to pay on their network. Thy launched the Agentic Commerce Experiences (ACE) developer kit. And this is SUPER different to the other payments networks in a lot of ways. Why?

59,440 görüntüleme • 2 ay önce

I just watched a machine buy something on Stripe. No card. No human. No checkout. Stripe Dev shipped it yesterday — machine payments, live in preview. Commerce isn't designed for machines. --- We need to re-organize around that thought. It is designed for humans. He's right. Every fraud model, every auth flow, every billing system we've built assumes a person is on the other end. Agents break all of it. They need - Microtransactions. - 24/7 rails. - HTTP-native settlement (!!) - Finality guarantees. - No subscriptions. No accounts. - Pay at the point of consumption and move on. Cards weren't designed for this. Nothing was. --- So it needs to be completely rethought Now on Stripe Agents can now pay for API calls, compute, and data through the same PaymentIntents API millions of businesses already use. Settled in seconds. --- Stripe says billions the billions of humans will lead to trillions of agents. If even 10% of that plays out, machine payments become the fastest-growing payment category on earth. --- But here's the part that keeps me up at night — If every PSP builds its own proprietary agent payment flow, we repeat the same fragmentation mess that took human payments 15 years to sort out. We need internet native, IETF-grade, ready-for-scale standards that don't over-index on crypto. Protocols that work across any network, any rail, any provider. --- Stripe just proved the market is coming. Now we need protocols and infrastructure ready for scale. PS. Machine is a better word than agentic isn't it.

I just watched a machine buy something on Stripe. No card. No human. No checkout. Stripe Dev shipped it yesterday — machine payments, live in preview. Commerce isn't designed for machines. --- We need to re-organize around that thought. It is designed for humans. He's right. Every fraud model, every auth flow, every billing system we've built assumes a person is on the other end. Agents break all of it. They need - Microtransactions. - 24/7 rails. - HTTP-native settlement (!!) - Finality guarantees. - No subscriptions. No accounts. - Pay at the point of consumption and move on. Cards weren't designed for this. Nothing was. --- So it needs to be completely rethought Now on Stripe Agents can now pay for API calls, compute, and data through the same PaymentIntents API millions of businesses already use. Settled in seconds. --- Stripe says billions the billions of humans will lead to trillions of agents. If even 10% of that plays out, machine payments become the fastest-growing payment category on earth. --- But here's the part that keeps me up at night — If every PSP builds its own proprietary agent payment flow, we repeat the same fragmentation mess that took human payments 15 years to sort out. We need internet native, IETF-grade, ready-for-scale standards that don't over-index on crypto. Protocols that work across any network, any rail, any provider. --- Stripe just proved the market is coming. Now we need protocols and infrastructure ready for scale. PS. Machine is a better word than agentic isn't it.

32,629 görüntüleme • 4 ay önce

🚨 BREAKING: Gusto just added stablecoin payouts for international contractors via ZeroHash - 400,000+ SMBs. - Tens of billions in annual payroll. - Now gets Settlement in minutes, not days. Stablecoins as an instant payouts feature for international contracts is becoming table stakes. And that's a big market. --- This is labor market math, not crypto hype. Full-time independent contractors doubled in 4 years. 13.6M in 2020 → 27.7M in 2024. 11% of US small businesses now employ international contractors. Traditional cross-border payroll takes 3-7 days. That's a week of "payment in transit" while your contractor in Argentina waits to pay rent. --- Zerohash powers this integration. Same infrastructure behind Stripe's stablecoin flows, BlackRock's tokenized fund rails, and Morgan Stanley's upcoming E-Trade crypto trading. Mastercard is reportedly circling them at $1.5-2B. --- Tempo's docs nail why this matters for payroll: "Businesses must either rely on slow, expensive, unpredictable cross-border transfers to pay employees directly, or first move liquidity to local subsidiaries to access domestic payment rails. Each domestic rail comes with its own rules, banking holidays, cutoff times, formats, and fees." That's the patchwork stablecoins replace. One ledger. Sub-cent fees. Seconds to settle. --- Gusto serves mainstream small business America. When your accountant's payroll software starts settling on blockchain rails, the infrastructure debate is over. Stablecoins aren't replacing payroll. They're replacing the 3-7 day settlement window that banks built for a workforce that no longer exists. --- #Fintech #Stablecoins #Payments #FutureOfWork #GigEconomy

🚨 BREAKING: Gusto just added stablecoin payouts for international contractors via ZeroHash - 400,000+ SMBs. - Tens of billions in annual payroll. - Now gets Settlement in minutes, not days. Stablecoins as an instant payouts feature for international contracts is becoming table stakes. And that's a big market. --- This is labor market math, not crypto hype. Full-time independent contractors doubled in 4 years. 13.6M in 2020 → 27.7M in 2024. 11% of US small businesses now employ international contractors. Traditional cross-border payroll takes 3-7 days. That's a week of "payment in transit" while your contractor in Argentina waits to pay rent. --- Zerohash powers this integration. Same infrastructure behind Stripe's stablecoin flows, BlackRock's tokenized fund rails, and Morgan Stanley's upcoming E-Trade crypto trading. Mastercard is reportedly circling them at $1.5-2B. --- Tempo's docs nail why this matters for payroll: "Businesses must either rely on slow, expensive, unpredictable cross-border transfers to pay employees directly, or first move liquidity to local subsidiaries to access domestic payment rails. Each domestic rail comes with its own rules, banking holidays, cutoff times, formats, and fees." That's the patchwork stablecoins replace. One ledger. Sub-cent fees. Seconds to settle. --- Gusto serves mainstream small business America. When your accountant's payroll software starts settling on blockchain rails, the infrastructure debate is over. Stablecoins aren't replacing payroll. They're replacing the 3-7 day settlement window that banks built for a workforce that no longer exists. --- #Fintech #Stablecoins #Payments #FutureOfWork #GigEconomy

28,734 görüntüleme • 5 ay önce

Visa is live settling in stablecoins 7 days a week.. You won't see a thing. That's the point. The disruption isn't consumer-facing. It's institutional.

Visa is live settling in stablecoins 7 days a week.. You won't see a thing. That's the point. The disruption isn't consumer-facing. It's institutional.

16,854 görüntüleme • 6 ay önce

Youtuber iShowSpeed tried to pay a Nigerian vendor. Cards? No. Zelle? No. Venmo? No. Cash App? No. USDC/T? Yes! This 30-second clip explains stablecoin adoption better than any whitepaper.

Youtuber iShowSpeed tried to pay a Nigerian vendor. Cards? No. Zelle? No. Venmo? No. Cash App? No. USDC/T? Yes! This 30-second clip explains stablecoin adoption better than any whitepaper.

12,462 görüntüleme • 5 ay önce

EXCLUSIVE: Visa Direct's $1.7 trillion payout network just added stablecoin infrastructure. I spoke with BVNK Co-Founder Chris Harmse about what this actually means. 🎬 Full clip below.

EXCLUSIVE: Visa Direct's $1.7 trillion payout network just added stablecoin infrastructure. I spoke with BVNK Co-Founder Chris Harmse about what this actually means. 🎬 Full clip below.

10,586 görüntüleme • 5 ay önce

I asked Alex Johnson and Jason Mikula what are all the things they've always wanted to say but would never publish in their newsletter? Here was their answer... Of course we're having fun here. But the reality is all of us want to see bank and Fintech partnerships get better. All of us fear it will get worse before it gets better. The time is now to act. There are standards initiatives like CFES, there are direct regulator to Fintech engagement opportunities like AIR, and there's secure 3rd party oversight solutions coming to market. What are we missing? On the 29th October in Las Vegas we're putting together the ultimate Chatham House discussion on making this industry better. How to Win at Embedded Finance. Our venue is now completely full. But drop a line below if you want to be a part of this conversation and we can follow up and share outcomes (under Chatham House of course).

I asked Alex Johnson and Jason Mikula what are all the things they've always wanted to say but would never publish in their newsletter? Here was their answer... Of course we're having fun here. But the reality is all of us want to see bank and Fintech partnerships get better. All of us fear it will get worse before it gets better. The time is now to act. There are standards initiatives like CFES, there are direct regulator to Fintech engagement opportunities like AIR, and there's secure 3rd party oversight solutions coming to market. What are we missing? On the 29th October in Las Vegas we're putting together the ultimate Chatham House discussion on making this industry better. How to Win at Embedded Finance. Our venue is now completely full. But drop a line below if you want to be a part of this conversation and we can follow up and share outcomes (under Chatham House of course).

12,371 görüntüleme • 1 yıl önce

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