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IT'S OFFICIAL. The APAC Stellar Hackathon is here. The BIGGEST Stellar hackathon ever launched in Southeast Asia. 💰 Up to $60,000 USD prize pool 🌏 3 countries, one mission ⚡ Build real financial apps on Stellar 🎤 Pitch live at the in-person Grand Finale 3 TRACKS: 1️⃣Local Finance &...

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@StellarOrg LETS GO!! @PHI_Stellar @VN_Stellar @Indo_Stellar

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@StellarOrg Have been waiting for this!

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@StellarOrg Good game for blockchain builders

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@StellarOrg praying my sleep schedule survives this hackathon

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@StellarOrg Finallyy

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@StellarOrg Token usage this month 📈

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HOLY SHIT! 🚨🚨🚨 American Banker just laid out what tokenization needs to scale, and I immediately thought of $XRP and $XLM. The words Elizabeth St-Onge from TD Securities kept coming back to were simple: Scale. Distribution. Network. Interoperability. Reach. That sounds boring until you realize what it actually means. Putting a bond or fund onchain is only the first step. Someone still has to buy it. Someone has to pay for it. The asset has to move. Interest has to be paid. Collateral has to move. Currencies have to be exchanged. Investors in different countries need access. So every tokenized market eventually needs two things working together: the asset and the money moving around it. TD is already testing that future. It moved real U.S. dollars through Project Agorá. It joined Project Samara with the Bank of Canada, RBC and Export Development Canada around tokenized bond issuance and real-time settlement. And six major Canadian banks, including TD, are now exploring tokenized Canadian-dollar deposits. So when St-Onge talks about collaboration and interoperability, she is describing infrastructure the banking system is already trying to build. And this immediately makes me look at XRPL and Stellar. XRPL already has regulated assets and payments sitting in the same ecosystem. CSD BR is using XRPL in live operations with BTG Pactual fund shares. Guggenheim brought digital commercial paper. Aviva Investors is working with Ripple around tokenized fund structures. Ondo brought tokenized Treasury exposure. Then the money side already has: $XRP RLUSD Ripple Payments stablecoins institutional FX infrastructure. Stellar is coming from another strong angle. Franklin Templeton has been running a regulated fund on Stellar for years. Stellar reported $2B+ in tokenized RWAs and $5.5B in Q1 stablecoin payment volume. MoneyGram gives Stellar global cash access. And now DTCC plans to connect DTC-tokenized assets directly to Stellar in the first half of 2027. Read that again. One network has a regulated central securities depository in Brazil using it. The other is being connected to DTCC’s tokenization infrastructure. Meanwhile both were built around moving value from the beginning. That matters because tokenization gets more valuable when the asset can actually: trade settle move cross borders find liquidity interact with digital money. And the native assets still have jobs. $XRP can sit between tokenized assets through XRPL auto-bridging. $XLM powers Stellar fees, reserves, trustlines and can participate in path-payment liquidity routes. I think the next tokenization race will be much less about who can mint the prettiest token. It will be about who already has the network to move it. And $XRP and $XLM are sitting right in that conversation.
2:41

HOLY SHIT! 🚨🚨🚨 American Banker just laid out what tokenization needs to scale, and I immediately thought of $XRP and $XLM. The words Elizabeth St-Onge from TD Securities kept coming back to were simple: Scale. Distribution. Network. Interoperability. Reach. That sounds boring until you realize what it actually means. Putting a bond or fund onchain is only the first step. Someone still has to buy it. Someone has to pay for it. The asset has to move. Interest has to be paid. Collateral has to move. Currencies have to be exchanged. Investors in different countries need access. So every tokenized market eventually needs two things working together: the asset and the money moving around it. TD is already testing that future. It moved real U.S. dollars through Project Agorá. It joined Project Samara with the Bank of Canada, RBC and Export Development Canada around tokenized bond issuance and real-time settlement. And six major Canadian banks, including TD, are now exploring tokenized Canadian-dollar deposits. So when St-Onge talks about collaboration and interoperability, she is describing infrastructure the banking system is already trying to build. And this immediately makes me look at XRPL and Stellar. XRPL already has regulated assets and payments sitting in the same ecosystem. CSD BR is using XRPL in live operations with BTG Pactual fund shares. Guggenheim brought digital commercial paper. Aviva Investors is working with Ripple around tokenized fund structures. Ondo brought tokenized Treasury exposure. Then the money side already has: $XRP RLUSD Ripple Payments stablecoins institutional FX infrastructure. Stellar is coming from another strong angle. Franklin Templeton has been running a regulated fund on Stellar for years. Stellar reported $2B+ in tokenized RWAs and $5.5B in Q1 stablecoin payment volume. MoneyGram gives Stellar global cash access. And now DTCC plans to connect DTC-tokenized assets directly to Stellar in the first half of 2027. Read that again. One network has a regulated central securities depository in Brazil using it. The other is being connected to DTCC’s tokenization infrastructure. Meanwhile both were built around moving value from the beginning. That matters because tokenization gets more valuable when the asset can actually: trade settle move cross borders find liquidity interact with digital money. And the native assets still have jobs. $XRP can sit between tokenized assets through XRPL auto-bridging. $XLM powers Stellar fees, reserves, trustlines and can participate in path-payment liquidity routes. I think the next tokenization race will be much less about who can mint the prettiest token. It will be about who already has the network to move it. And $XRP and $XLM are sitting right in that conversation.

X Finance Bull

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DTCC is leading the adoption of the new financial system, and I’m getting even more bullish on $XLM, $XRP, $HBAR and $QNT. Understand what’s happening here. DTCC isn’t building tokenization around one chain or one form of digital cash. It wants institutions to choose how assets settle: Stablecoins. Tokenized deposits. Another tokenized asset. Even asset-for-asset settlement. That changes the game. DTCC’s depository subsidiary already custodies more than $114 trillion in assets, and its Tokenization Service is moving toward stocks, ETFs and U.S. Treasuries becoming programmable across multiple blockchain networks. Now look at the infrastructure already lining up around that future. $XLM This one has the direct connection. DTCC officially selected Stellar for its Tokenization Service, with DTC-tokenized assets expected on Stellar in the first half of 2027. Stellar already has stablecoins, native asset issuance, a DEX, liquidity pools and path payments. That means tokenized assets can potentially move directly against digital money instead of sitting idle. $XRP XRPL brings another piece: liquidity. CSD BR is already using XRPL with regulated BTG Pactual fund shares. And XRPL’s auto-bridging can route: Asset A → XRP → Asset B when XRP provides the better liquidity path. The more tokenized assets exist, the more valuable that becomes. $HBAR Hedera already has regulated tokenized funds, government securities, institutional collateral movements and stablecoin cash flows through Archax, Lloyds and Aberdeen. Real assets are already being used as working capital. $QNT Then comes the money layer. The Clearing House selected Quant to power interoperability and orchestration for U.S. tokenized bank deposits connected to RTP and CHIPS. So DTCC builds the digital assets. Banks build digital money. Quant connects the money. Stellar distributes assets. XRPL provides liquidity. Hedera handles institutional tokenization and collateral. I think we are watching separate pieces of the same financial machine being assembled. And it’s happening much FASTER NOW!
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DTCC is leading the adoption of the new financial system, and I’m getting even more bullish on $XLM, $XRP, $HBAR and $QNT. Understand what’s happening here. DTCC isn’t building tokenization around one chain or one form of digital cash. It wants institutions to choose how assets settle: Stablecoins. Tokenized deposits. Another tokenized asset. Even asset-for-asset settlement. That changes the game. DTCC’s depository subsidiary already custodies more than $114 trillion in assets, and its Tokenization Service is moving toward stocks, ETFs and U.S. Treasuries becoming programmable across multiple blockchain networks. Now look at the infrastructure already lining up around that future. $XLM This one has the direct connection. DTCC officially selected Stellar for its Tokenization Service, with DTC-tokenized assets expected on Stellar in the first half of 2027. Stellar already has stablecoins, native asset issuance, a DEX, liquidity pools and path payments. That means tokenized assets can potentially move directly against digital money instead of sitting idle. $XRP XRPL brings another piece: liquidity. CSD BR is already using XRPL with regulated BTG Pactual fund shares. And XRPL’s auto-bridging can route: Asset A → XRP → Asset B when XRP provides the better liquidity path. The more tokenized assets exist, the more valuable that becomes. $HBAR Hedera already has regulated tokenized funds, government securities, institutional collateral movements and stablecoin cash flows through Archax, Lloyds and Aberdeen. Real assets are already being used as working capital. $QNT Then comes the money layer. The Clearing House selected Quant to power interoperability and orchestration for U.S. tokenized bank deposits connected to RTP and CHIPS. So DTCC builds the digital assets. Banks build digital money. Quant connects the money. Stellar distributes assets. XRPL provides liquidity. Hedera handles institutional tokenization and collateral. I think we are watching separate pieces of the same financial machine being assembled. And it’s happening much FASTER NOW!

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Team1 Thailand is here 🇹🇭 SaWaDiKa Two crowds are building in Thailand, and they rarely meet: the founders and nomads passing through Bangkok, Phuket, and Chiang Mai, and the local devs and students ready to ship. We're building the community hub for Avalanche and to bring everybody together. Before launching as an official chapter, we were already on the ground building the foundation: ⬩ Flagship events nationwide, now reaching beyond Bangkok into Chiang Mai ⬩ Workshops and hackathons with 4 university clubs: Thammasat, Chulalongkorn, Kasetsart, and MUIC ⬩ Events co-hosted with Pudgy Penguins, Bitkub, Binance TH, ST Thailand, and 4SEAS ⬩ Builders onboarded in Thai and English, from first wallet to first deployment Our mission is to make Thailand one of Avalanche's biggest builder hubs in Asia and to back adoption where it's already happening: payments, stablecoins, and institutional infrastructure. That means real programs and real outcomes. 🔺 Workshops and hackathons on campus 🔺 Founder support and direct access to Team1 programs 🔺 Project funding with access to Mini Grants, and Accelerator Grants. 🔺 Marketing and distribution support, even for teams that aren't funded 🔺 Community meetups & builder nights Thailand's institutions are coming on-chain, and we're building the community to match. If you're a founder, developer, student, or just passing through Bangkok, we're here, and we'd love to connect. Get involved with Team1 Thailand 👇
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Team1 Thailand is here 🇹🇭 SaWaDiKa Two crowds are building in Thailand, and they rarely meet: the founders and nomads passing through Bangkok, Phuket, and Chiang Mai, and the local devs and students ready to ship. We're building the community hub for Avalanche and to bring everybody together. Before launching as an official chapter, we were already on the ground building the foundation: ⬩ Flagship events nationwide, now reaching beyond Bangkok into Chiang Mai ⬩ Workshops and hackathons with 4 university clubs: Thammasat, Chulalongkorn, Kasetsart, and MUIC ⬩ Events co-hosted with Pudgy Penguins, Bitkub, Binance TH, ST Thailand, and 4SEAS ⬩ Builders onboarded in Thai and English, from first wallet to first deployment Our mission is to make Thailand one of Avalanche's biggest builder hubs in Asia and to back adoption where it's already happening: payments, stablecoins, and institutional infrastructure. That means real programs and real outcomes. 🔺 Workshops and hackathons on campus 🔺 Founder support and direct access to Team1 programs 🔺 Project funding with access to Mini Grants, and Accelerator Grants. 🔺 Marketing and distribution support, even for teams that aren't funded 🔺 Community meetups & builder nights Thailand's institutions are coming on-chain, and we're building the community to match. If you're a founder, developer, student, or just passing through Bangkok, we're here, and we'd love to connect. Get involved with Team1 Thailand 👇

Team1 Thailand

25,708 görüntüleme • 10 gün önce

Zebec Protocol has taken 2026 by storm... Zebec Network (Zebec Network) describes itself as "rails for real-time finance." In simple terms, this means the protocol allows individuals and organizations to transfer funds instantaneously (be it payroll, contractor payments, or benefits) using both traditional systems, such as ACH and FedNow, and blockchain in a single package. This year, Zebec has gone from a promising concept to an institution-backed protocol. Here is an overview: Progress in Institutional Adoption and Compliance 1.) Innovation of Zebec Payments within Nacha: Zebec applied late in 2025 and was confirmed as a member in early 2026, belonging to the same cohort as Circle. 2.) Compliance with ISO 20022: This is a universal banking message format standard (just like SWIFT). Aligning with it ensures that Zebec can "speak the same language" as major financial institutions. 3.) NatPay Integration: NatPay settles about $158–$170 billion worth of ACH transactions each year through hundreds of thousands of clients. Integration with Zebec enables businesses to pay employees via legacy banking and instantaneous blockchain streaming services... 4.) Stellar Integration: Stellar appointed Zebec as its preferred infrastructure partner for stablecoin payroll – Zebec's first major implementation off of Solana. 5.) AllUnity (AllUnity) partnership (June 25, 2026): AllUnity selected Zebec as the infrastructure partner to provide an on-chain government benefits scheme in Europe, leveraging their regulated euro stablecoin (EURAU). 6.) Velo Protocol partnership: Velo Official has partnered exclusively with Zebec as their card and infrastructure partner for their settlement layer connecting with Zebec's card solutions. 7.) Institutional Compliance Initiative: The wider effort involving MiCA (crypto regulations in the EU) preparations, on-chain treasury buybacks, and enterprise integrations. Product Launches & Upgrades 1.) Zebec SuperApp: Desktop release in late February 2026; iOS and Android versions launched on July 13, 2026. 2.) Enterprise Payroll payout via Stellar: Allows employees to turn their crypto salary into local currency in more than 50 countries through integration with MoneyGram. 3.) New assets available: USD1, tGBP (a stablecoin pegged to the UK pound), DASH, and EURAU 4.) Onboarding employee capabilities: Custom-made wallets, including Tangem hardware/NFC card and Privy wallet stack in order to help non-crypto-savvy employees. 5.) Privacy: Early-stage integrations looking into Aleo (private cards/payments) and mentions of the Canton privacy solution. Key Numbers to Know - ~250 enterprise clients using Zebec's payroll and payment tools - 100,000+ $ZBCN token holders - 40+ white-label card partners - 15+ blockchains supported for cards and payments - ~$65 million rolling annualized card transaction volume (from earlier updates) - Cards available in dozens of countries, with tens of thousands issued and hundreds of thousands of transactions processed
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Zebec Protocol has taken 2026 by storm... Zebec Network (Zebec Network) describes itself as "rails for real-time finance." In simple terms, this means the protocol allows individuals and organizations to transfer funds instantaneously (be it payroll, contractor payments, or benefits) using both traditional systems, such as ACH and FedNow, and blockchain in a single package. This year, Zebec has gone from a promising concept to an institution-backed protocol. Here is an overview: Progress in Institutional Adoption and Compliance 1.) Innovation of Zebec Payments within Nacha: Zebec applied late in 2025 and was confirmed as a member in early 2026, belonging to the same cohort as Circle. 2.) Compliance with ISO 20022: This is a universal banking message format standard (just like SWIFT). Aligning with it ensures that Zebec can "speak the same language" as major financial institutions. 3.) NatPay Integration: NatPay settles about $158–$170 billion worth of ACH transactions each year through hundreds of thousands of clients. Integration with Zebec enables businesses to pay employees via legacy banking and instantaneous blockchain streaming services... 4.) Stellar Integration: Stellar appointed Zebec as its preferred infrastructure partner for stablecoin payroll – Zebec's first major implementation off of Solana. 5.) AllUnity (AllUnity) partnership (June 25, 2026): AllUnity selected Zebec as the infrastructure partner to provide an on-chain government benefits scheme in Europe, leveraging their regulated euro stablecoin (EURAU). 6.) Velo Protocol partnership: Velo Official has partnered exclusively with Zebec as their card and infrastructure partner for their settlement layer connecting with Zebec's card solutions. 7.) Institutional Compliance Initiative: The wider effort involving MiCA (crypto regulations in the EU) preparations, on-chain treasury buybacks, and enterprise integrations. Product Launches & Upgrades 1.) Zebec SuperApp: Desktop release in late February 2026; iOS and Android versions launched on July 13, 2026. 2.) Enterprise Payroll payout via Stellar: Allows employees to turn their crypto salary into local currency in more than 50 countries through integration with MoneyGram. 3.) New assets available: USD1, tGBP (a stablecoin pegged to the UK pound), DASH, and EURAU 4.) Onboarding employee capabilities: Custom-made wallets, including Tangem hardware/NFC card and Privy wallet stack in order to help non-crypto-savvy employees. 5.) Privacy: Early-stage integrations looking into Aleo (private cards/payments) and mentions of the Canton privacy solution. Key Numbers to Know - ~250 enterprise clients using Zebec's payroll and payment tools - 100,000+ $ZBCN token holders - 40+ white-label card partners - 15+ blockchains supported for cards and payments - ~$65 million rolling annualized card transaction volume (from earlier updates) - Cards available in dozens of countries, with tens of thousands issued and hundreds of thousands of transactions processed

BSCN

35,632 görüntüleme • 1 ay önce

CLARITY Act Intel 🚨 Don't let a 76-Day Political Fight SHAKE you out of a 250-YEAR FINANCIAL SHIFT $XRP, $XLM, $HBAR, and other American-made digital asset investors, listen closely to Congressman Bryan Steil, Chair of the House Financial Services Subcommittee on Digital Assets. This is the part of the CLARITY Act conversation I think people are missing. Everyone is staring at one vote. Bryan Steil is talking about the financial system that is being built underneath it. That is a completely different time horizon. The headlines right now are naturally focused on whether CLARITY can move through the Senate. September 15 matters. The Senate procedural vote matters. The political negotiations matter. But Steil’s bigger argument is that people are making a mistake if they assume: “If Washington struggles with CLARITY today, blockchain finance somehow stops tomorrow.” It does not. That is what caught me. He is looking at this as a technology transition, not a weekly trading narrative. The political fight is temporary. The infrastructure being built is not. And that is exactly why I keep coming back to $XRP, $XLM and $HBAR. Not because Congress created some official “Made in America” basket. It did not. The stronger fact is that all three already have deep U.S. roots, all three are being built around actual financial infrastructure, and all three are already explicitly named in the current U.S. digital-commodity framework. That changes how I look at this entire moment. For years the question around crypto in America was: Will regulators even allow this industry to exist? Now the conversation is turning into: How do we bring this technology into the financial system? That is a massive difference. And Steil’s word for it is perfect: plumbing. People hear “financial plumbing” and think it sounds boring. I hear it and think: That is where the real money eventually moves. Clearing is plumbing. Settlement is plumbing. Collateral is plumbing. Liquidity is plumbing. Custody is plumbing. Bank deposits are plumbing. Tokenization is plumbing. FX is plumbing. Prime brokerage is plumbing. The consumer sees the payment. The institution sees the infrastructure underneath. And that is exactly where these networks are starting to show up. Take $XRP. Ripple in 2026 is not simply trying to convince a bank to send one payment using XRP. Look at the stack being assembled: payments, RLUSD, custody, treasury, prime brokerage, liquidity, tokenization, credit. That is financial infrastructure. Ripple Prime clears more than $3 trillion annually across markets and serves 300+ institutional customers. That is not a retail crypto app. That is institutional machinery. Ripple Prime touches digital assets, FX, fixed-income repo, exchange-traded derivatives and OTC swaps. Then Ripple raised $275 million in investment-grade senior notes to expand its U.S. operation. That tells me Ripple is building for the part of finance institutions actually depend on. And XRP is not sitting outside that strategy. Ripple’s institutional roadmap puts XRP across payments, liquidity and credit markets. That bridge-liquidity role is what I keep coming back to. Because imagine where finance is heading. -RLUSD. -Other dollar stablecoins. -Euro stablecoins. -Peso stablecoins. -Tokenized bank deposits. -Tokenized funds. -Government debt. -Private credit. Different digital forms of money. More assets do not remove the liquidity problem. They multiply it. Someone still has to connect all those pools of value. XRPL can route between tokenized assets. And when XRP provides the better liquidity path, XRP can become the intermediary. Think about the difference between that and retail speculation. A company does not need to wake up and say: “We are bullish on XRP today.” Its software can simply determine: USD token → XRP → MXN token is the better route. The company receives what it wants. The recipient receives what they want. XRP was used because the infrastructure chose it. That is a much more powerful long-term thesis to me. Then you have RLUSD, with approximately $2.396 billion circulating against about $2.518 billion in reserves in the context you provided. Stable digital dollars on one side. Native bridge liquidity through XRP on the other. That is not XRP being replaced. That is the XRP ecosystem becoming more complete. Now move to $XLM. Stellar may be the easiest example of what Steil means by invisible plumbing. The average person does not care which network their bank is using. They care that the money gets there. The institution cares that the system is fast, compliant and integrated with existing operations. And that is already happening. U.S. Bank completed a cross-border pilot using its own USBDC stablecoin on Stellar between North America and Europe. Read that again. A U.S. bank. Its own dollar-backed digital money. Moving across Stellar. And it was not separated from the bank’s existing infrastructure. The pilot connected into finance, risk, compliance and operations. It tested minting. -Payment. -Redemption. -Freezing. -Clawback. Then U.S. Bank and the Stellar Development Foundation started evaluating liquidity management, collateral mobility and cross-border treasury applications. That is the financial plumbing Steil is talking about. It is already being installed. And if Washington needs longer to finish a bill, U.S. Bank does not suddenly forget what it just tested. The technology does not disappear. The institutional learning does not disappear. The infrastructure work does not disappear. Then add DTCC. DTCC oversees more than $114 trillion across U.S. capital markets under the figures in the context. DTC’s Tokenization Service plans to connect eligible DTC-custodied assets with Stellar beginning in the first half of 2027. That means the future can look much less like: “crypto replaces Wall Street” and much more like: Wall Street starts using blockchain underneath parts of its existing machinery. That distinction matters enormously. Treasuries do not need to stop being Treasuries. Funds do not need to stop being funds. Banks do not need to stop being banks. The rails can change underneath them. And XLM remains native to Stellar. Transaction fees use XLM. Account reserves use XLM. Ledger state uses XLM. Smart-contract resources use XLM. The user may never see any of that. They see dollars. A fund. A transfer. A bank account. The network sees Stellar. That is what real infrastructure adoption looks like. Then look at $HBAR. Hedera’s story is different again, but it fits Steil’s argument almost perfectly. Wyoming’s FRNT stable token is live on Hedera. A U.S. state is already using public blockchain infrastructure for digital money. That does not vanish because Congress has a difficult week. Then you have Archax, putting institutional assets on Hedera. Real-time streaming cash flows for tokenized securities. USDC distributions directly to investor wallets. More than 100 tokenized assets and $300M+ in tokenized value in the Hedera case study cited in the context. Then RedSwan. More than $5 billion in tokenized commercial real estate according to Hedera’s case study. And RedSwan helped develop Hedera’s Asset Tokenization Studio. Again, this is not a promise that one day Hedera may find a real-world use case. The infrastructure is already serving government digital money, tokenized securities, real estate and institutional settlement. Then Hedera built the software around it. Stablecoin Studio for regulated digital money. Asset Tokenization Studio for compliant securities. HashSphere for institutions that need private environments while maintaining connectivity toward the broader Hedera ecosystem. And HBAR has a direct role underneath the public network. Every public Hedera service uses HBAR-denominated fees. HBAR also helps secure consensus through proof of stake. So the HBAR thesis is not: “$5B of property means $5B of HBAR gets bought.” The better thesis is: more assets, more issuers, more transfers, more settlement, more compliance operations, more data, more financial activity, more network usage, with HBAR underneath the public network. That is infrastructure. Now put all three together. $XRP. $XLM. $HBAR. Different architectures. Different institutions. Different strengths. But the direction overlaps. Payments. Stablecoins. Tokenized assets. Bank money. FX. Settlement. Institutional liquidity. And all three are already named as digital commodities under the current U.S. framework. That is why I refuse to think about this market only through the lens of one CLARITY vote. September 15 can absolutely matter to market sentiment. But Steil is giving investors a much more valuable way to think. Zoom out. America is deciding whether it wants to lead the technology transition under clear rules. It is not deciding whether the technology gets invented. That horse has already left the barn. The White House has already directed regulators toward integrating digital assets and innovative technology into traditional financial services and payments. Banks are already experimenting. Tokenized securities already exist. Government digital money already exists. Institutional prime brokerage already exists. Stablecoins are already measured in billions. Real estate is already being tokenized. DTCC is already preparing blockchain connectivity. That is why I think the biggest mistake people can make here is confusing: political delay with technological reversal. They are not the same thing. And this is where I think people holding $XRP, $XLM and $HBAR have to know exactly what they own. You are not simply betting on the Senate liking crypto next week. You are looking at networks and ecosystems already being positioned inside a financial system that is becoming increasingly digital. If CLARITY moves quickly, that can accelerate the transition. If Washington takes longer, the infrastructure does not go back into the box. It keeps developing. That is essentially Steil’s point. This is bigger than one election. Bigger than one bill. Bigger than one market candle. The United States is looking at what its financial system could become over the next generation. Bryan Steil literally framed this around 250 years of American financial innovation. That is the time horizon I want to remember when the timeline gets noisy. Because while everyone argues about the next few days: Ripple is building institutional liquidity infrastructure. Stellar is connecting bank money and traditional securities. Hedera is connecting government digital money and regulated tokenized assets. And the federal government already recognizes XRP, XLM and HBAR as digital commodities. That is why my long-term conviction does not disappear because Washington gets messy. The political fight is temporary. The financial rails are already being laid. If those rails eventually carry the next generation of global money, I want exposure to the assets sitting underneath them before that future becomes obvious to everyone. The financial rails are being rebuilt right in front of us. Who else sees it?
1:42

CLARITY Act Intel 🚨 Don't let a 76-Day Political Fight SHAKE you out of a 250-YEAR FINANCIAL SHIFT $XRP, $XLM, $HBAR, and other American-made digital asset investors, listen closely to Congressman Bryan Steil, Chair of the House Financial Services Subcommittee on Digital Assets. This is the part of the CLARITY Act conversation I think people are missing. Everyone is staring at one vote. Bryan Steil is talking about the financial system that is being built underneath it. That is a completely different time horizon. The headlines right now are naturally focused on whether CLARITY can move through the Senate. September 15 matters. The Senate procedural vote matters. The political negotiations matter. But Steil’s bigger argument is that people are making a mistake if they assume: “If Washington struggles with CLARITY today, blockchain finance somehow stops tomorrow.” It does not. That is what caught me. He is looking at this as a technology transition, not a weekly trading narrative. The political fight is temporary. The infrastructure being built is not. And that is exactly why I keep coming back to $XRP, $XLM and $HBAR. Not because Congress created some official “Made in America” basket. It did not. The stronger fact is that all three already have deep U.S. roots, all three are being built around actual financial infrastructure, and all three are already explicitly named in the current U.S. digital-commodity framework. That changes how I look at this entire moment. For years the question around crypto in America was: Will regulators even allow this industry to exist? Now the conversation is turning into: How do we bring this technology into the financial system? That is a massive difference. And Steil’s word for it is perfect: plumbing. People hear “financial plumbing” and think it sounds boring. I hear it and think: That is where the real money eventually moves. Clearing is plumbing. Settlement is plumbing. Collateral is plumbing. Liquidity is plumbing. Custody is plumbing. Bank deposits are plumbing. Tokenization is plumbing. FX is plumbing. Prime brokerage is plumbing. The consumer sees the payment. The institution sees the infrastructure underneath. And that is exactly where these networks are starting to show up. Take $XRP. Ripple in 2026 is not simply trying to convince a bank to send one payment using XRP. Look at the stack being assembled: payments, RLUSD, custody, treasury, prime brokerage, liquidity, tokenization, credit. That is financial infrastructure. Ripple Prime clears more than $3 trillion annually across markets and serves 300+ institutional customers. That is not a retail crypto app. That is institutional machinery. Ripple Prime touches digital assets, FX, fixed-income repo, exchange-traded derivatives and OTC swaps. Then Ripple raised $275 million in investment-grade senior notes to expand its U.S. operation. That tells me Ripple is building for the part of finance institutions actually depend on. And XRP is not sitting outside that strategy. Ripple’s institutional roadmap puts XRP across payments, liquidity and credit markets. That bridge-liquidity role is what I keep coming back to. Because imagine where finance is heading. -RLUSD. -Other dollar stablecoins. -Euro stablecoins. -Peso stablecoins. -Tokenized bank deposits. -Tokenized funds. -Government debt. -Private credit. Different digital forms of money. More assets do not remove the liquidity problem. They multiply it. Someone still has to connect all those pools of value. XRPL can route between tokenized assets. And when XRP provides the better liquidity path, XRP can become the intermediary. Think about the difference between that and retail speculation. A company does not need to wake up and say: “We are bullish on XRP today.” Its software can simply determine: USD token → XRP → MXN token is the better route. The company receives what it wants. The recipient receives what they want. XRP was used because the infrastructure chose it. That is a much more powerful long-term thesis to me. Then you have RLUSD, with approximately $2.396 billion circulating against about $2.518 billion in reserves in the context you provided. Stable digital dollars on one side. Native bridge liquidity through XRP on the other. That is not XRP being replaced. That is the XRP ecosystem becoming more complete. Now move to $XLM. Stellar may be the easiest example of what Steil means by invisible plumbing. The average person does not care which network their bank is using. They care that the money gets there. The institution cares that the system is fast, compliant and integrated with existing operations. And that is already happening. U.S. Bank completed a cross-border pilot using its own USBDC stablecoin on Stellar between North America and Europe. Read that again. A U.S. bank. Its own dollar-backed digital money. Moving across Stellar. And it was not separated from the bank’s existing infrastructure. The pilot connected into finance, risk, compliance and operations. It tested minting. -Payment. -Redemption. -Freezing. -Clawback. Then U.S. Bank and the Stellar Development Foundation started evaluating liquidity management, collateral mobility and cross-border treasury applications. That is the financial plumbing Steil is talking about. It is already being installed. And if Washington needs longer to finish a bill, U.S. Bank does not suddenly forget what it just tested. The technology does not disappear. The institutional learning does not disappear. The infrastructure work does not disappear. Then add DTCC. DTCC oversees more than $114 trillion across U.S. capital markets under the figures in the context. DTC’s Tokenization Service plans to connect eligible DTC-custodied assets with Stellar beginning in the first half of 2027. That means the future can look much less like: “crypto replaces Wall Street” and much more like: Wall Street starts using blockchain underneath parts of its existing machinery. That distinction matters enormously. Treasuries do not need to stop being Treasuries. Funds do not need to stop being funds. Banks do not need to stop being banks. The rails can change underneath them. And XLM remains native to Stellar. Transaction fees use XLM. Account reserves use XLM. Ledger state uses XLM. Smart-contract resources use XLM. The user may never see any of that. They see dollars. A fund. A transfer. A bank account. The network sees Stellar. That is what real infrastructure adoption looks like. Then look at $HBAR. Hedera’s story is different again, but it fits Steil’s argument almost perfectly. Wyoming’s FRNT stable token is live on Hedera. A U.S. state is already using public blockchain infrastructure for digital money. That does not vanish because Congress has a difficult week. Then you have Archax, putting institutional assets on Hedera. Real-time streaming cash flows for tokenized securities. USDC distributions directly to investor wallets. More than 100 tokenized assets and $300M+ in tokenized value in the Hedera case study cited in the context. Then RedSwan. More than $5 billion in tokenized commercial real estate according to Hedera’s case study. And RedSwan helped develop Hedera’s Asset Tokenization Studio. Again, this is not a promise that one day Hedera may find a real-world use case. The infrastructure is already serving government digital money, tokenized securities, real estate and institutional settlement. Then Hedera built the software around it. Stablecoin Studio for regulated digital money. Asset Tokenization Studio for compliant securities. HashSphere for institutions that need private environments while maintaining connectivity toward the broader Hedera ecosystem. And HBAR has a direct role underneath the public network. Every public Hedera service uses HBAR-denominated fees. HBAR also helps secure consensus through proof of stake. So the HBAR thesis is not: “$5B of property means $5B of HBAR gets bought.” The better thesis is: more assets, more issuers, more transfers, more settlement, more compliance operations, more data, more financial activity, more network usage, with HBAR underneath the public network. That is infrastructure. Now put all three together. $XRP. $XLM. $HBAR. Different architectures. Different institutions. Different strengths. But the direction overlaps. Payments. Stablecoins. Tokenized assets. Bank money. FX. Settlement. Institutional liquidity. And all three are already named as digital commodities under the current U.S. framework. That is why I refuse to think about this market only through the lens of one CLARITY vote. September 15 can absolutely matter to market sentiment. But Steil is giving investors a much more valuable way to think. Zoom out. America is deciding whether it wants to lead the technology transition under clear rules. It is not deciding whether the technology gets invented. That horse has already left the barn. The White House has already directed regulators toward integrating digital assets and innovative technology into traditional financial services and payments. Banks are already experimenting. Tokenized securities already exist. Government digital money already exists. Institutional prime brokerage already exists. Stablecoins are already measured in billions. Real estate is already being tokenized. DTCC is already preparing blockchain connectivity. That is why I think the biggest mistake people can make here is confusing: political delay with technological reversal. They are not the same thing. And this is where I think people holding $XRP, $XLM and $HBAR have to know exactly what they own. You are not simply betting on the Senate liking crypto next week. You are looking at networks and ecosystems already being positioned inside a financial system that is becoming increasingly digital. If CLARITY moves quickly, that can accelerate the transition. If Washington takes longer, the infrastructure does not go back into the box. It keeps developing. That is essentially Steil’s point. This is bigger than one election. Bigger than one bill. Bigger than one market candle. The United States is looking at what its financial system could become over the next generation. Bryan Steil literally framed this around 250 years of American financial innovation. That is the time horizon I want to remember when the timeline gets noisy. Because while everyone argues about the next few days: Ripple is building institutional liquidity infrastructure. Stellar is connecting bank money and traditional securities. Hedera is connecting government digital money and regulated tokenized assets. And the federal government already recognizes XRP, XLM and HBAR as digital commodities. That is why my long-term conviction does not disappear because Washington gets messy. The political fight is temporary. The financial rails are already being laid. If those rails eventually carry the next generation of global money, I want exposure to the assets sitting underneath them before that future becomes obvious to everyone. The financial rails are being rebuilt right in front of us. Who else sees it?

X Finance Bull

90,276 görüntüleme • 22 gün önce

David Chalmers on the one thing science can't explain: Consciousness is at once the most familiar thing in the world and the one science has almost nothing to say about. That's the puzzle Chalmers lays out in this early interview, and it's as disorienting today as it was then. His starting point is deceptively simple. Everything we know about the external world: subatomic particles, distant stars, the chemistry of life. We know through consciousness. It's the very first thing we have. And yet when we turn science around and try to explain consciousness itself, we hit a wall. "Consciousness is what we start with when it comes to knowing the world and looking out at the world… everything else is secondary." What makes this so strange is the asymmetry. We've made extraordinary progress understanding things that are genuinely remote and difficult quantum mechanics, stellar evolution, molecular biology. But understanding our own inner experience? Almost nothing. "It almost sticks out like a sore thumb in the scientific picture." This is what Chalmers would later formalise as the "hard problem of consciousness": not just explaining how the brain processes information or controls behaviour. Those are hard, but tractable. The real mystery is why any of that physical activity is accompanied by experience at all. Why is there something it feels like to be you? The question isn't abstract. It sits at the intersection of neuroscience, philosophy, physics, and AI. As we build systems that process language and reason about the world, the question of whether they are or could be conscious presses harder than ever. Chalmers doesn't offer an answer here. Only the sharpest possible version of the question.
0:54

David Chalmers on the one thing science can't explain: Consciousness is at once the most familiar thing in the world and the one science has almost nothing to say about. That's the puzzle Chalmers lays out in this early interview, and it's as disorienting today as it was then. His starting point is deceptively simple. Everything we know about the external world: subatomic particles, distant stars, the chemistry of life. We know through consciousness. It's the very first thing we have. And yet when we turn science around and try to explain consciousness itself, we hit a wall. "Consciousness is what we start with when it comes to knowing the world and looking out at the world… everything else is secondary." What makes this so strange is the asymmetry. We've made extraordinary progress understanding things that are genuinely remote and difficult quantum mechanics, stellar evolution, molecular biology. But understanding our own inner experience? Almost nothing. "It almost sticks out like a sore thumb in the scientific picture." This is what Chalmers would later formalise as the "hard problem of consciousness": not just explaining how the brain processes information or controls behaviour. Those are hard, but tractable. The real mystery is why any of that physical activity is accompanied by experience at all. Why is there something it feels like to be you? The question isn't abstract. It sits at the intersection of neuroscience, philosophy, physics, and AI. As we build systems that process language and reason about the world, the question of whether they are or could be conscious presses harder than ever. Chalmers doesn't offer an answer here. Only the sharpest possible version of the question.

Mateus — eu/acc 🇪🇺

14,034 görüntüleme • 5 ay önce

Why I’m All In on $CRO | March 25, 2026 – Remember This 🏆 Conviction isn’t built on hype — it’s built on execution, vision, and timing. After watching the AMA with Kris, CEO of Crypto.com, it’s never been clearer: $CRO isn’t just positioned to win. It’s positioned to lead/take over. Here’s why I believe $CRO will be a top 5 asset/chain: 1. $CRO Enters the ETF Era: It’s official — Crypto.com is powering Truth Social’s ETF infrastructure (backed by United States President Donald J. Trump ) Custody, liquidity, and staking baskets with $CRO included.The goal? -> $CRO in every major ETF. This is how real capital enters. 2. “Make $CRO Great Again” Isn’t a Slogan — It’s a Strategy: The $CRO Mint = A Reset for Greatness In 2021, $CRO was burned defensively. In 2024, it’s being minted strategically. Billions are now being reinvested into Kronos to: •Make it a top 5 chain •Fund builders & world-class teams •Onboard institutional capital •Boost token utility and velocity “Not making big moves is accepting mediocrity. This is a reset.” – Kris 3. 140M Users and Growing Fast: With 150M expected in Q2 and a long-term goal of 250M, @cryprocom is scaling like no one else — all while being profitable with a strong balance sheet. $1.5B revenue. $300M+ EBITDA. It’s the fastest-executing crypto business in the world. 4. U.S. Political Tailwinds Are Here: Kris has been in the White House, Mar-a-Lago, and the Oval Office. The Trump-era momentum is real — and policy is shifting. Two major bills (Stablecoins & Market Structure) are already in motion. The war on crypto is over. The U.S. is going pro-crypto. And Crypto.com is at the table. 6. Institutional Capital Is Lining Up: $CRO isn’t just for retail anymore. It’s being positioned for sovereign wealth, strategic reserves, and ETF flows. ETF issuers = not natural sellers. These are demand engines. – Kris 7. The Roadmap: Precision-Engineered for Domination: Kris laid out a bold, multi-front expansion plan that touches every corner of finance and Web3: •U.S. Equities: TradFi meets DeFi — all in one app •Prediction Markets: Sports, politics, and more — on-chain and first-to-market •Global Transfers: Instant, near-zero fee money movement — no middlemen •DeFi + Wallet Upgrades: Powerfully simple, non-custodial, and ready for mass adoption •TradFi Integrations: Banking, brokerage, and payment layers — unified •AI Infrastructure: Future-proofing the stack for what’s coming next •Exchange Overhaul: Full UX redesign, deeper liquidity, pro-level tools “We want to be the fastest shipping company in the industry.” – Kris This isn’t just a roadmap — it’s a master plan to absorb market share across every vertical 8. The Next-Gen Chain = #Cronos New leadership (Mirko) is focused solely on Attracting unicorn-tier founders, Incentivizing game-changing apps, Positioning $CRO as the native gas “We want world-class teams building billion-dollar projects on , This is the same playbook $ETH ran in 2017 and $SOL ran in 2021 — but with deeper infrastructure and funding”- Kris 9. Ready, What’s Next - #Cryptocom •500+ new hires incoming •Separate P&L on each product •Every unit treated like a startup •Unified mission across Web3, DeFi, TradFi, and real-world utility “We’re building a company that thrives in any market condition.” – Kris And the line that sealed it: “Hold me accountable by March 25, 2026.” – Kris You can argue hype. You can argue narratives. But you can’t argue results. Crypto.com is quietly building the rails of the next financial system — and $CRO will power it. #CRO #CryptoCom #Kronos #Web3 #DeFi #ETFs #BullRun2025 #TrumpCrypto #CryptoNews #MakeCROGreatAgain #Marc
1:04

Why I’m All In on $CRO | March 25, 2026 – Remember This 🏆 Conviction isn’t built on hype — it’s built on execution, vision, and timing. After watching the AMA with Kris, CEO of Crypto.com, it’s never been clearer: $CRO isn’t just positioned to win. It’s positioned to lead/take over. Here’s why I believe $CRO will be a top 5 asset/chain: 1. $CRO Enters the ETF Era: It’s official — Crypto.com is powering Truth Social’s ETF infrastructure (backed by United States President Donald J. Trump ) Custody, liquidity, and staking baskets with $CRO included.The goal? -> $CRO in every major ETF. This is how real capital enters. 2. “Make $CRO Great Again” Isn’t a Slogan — It’s a Strategy: The $CRO Mint = A Reset for Greatness In 2021, $CRO was burned defensively. In 2024, it’s being minted strategically. Billions are now being reinvested into Kronos to: •Make it a top 5 chain •Fund builders & world-class teams •Onboard institutional capital •Boost token utility and velocity “Not making big moves is accepting mediocrity. This is a reset.” – Kris 3. 140M Users and Growing Fast: With 150M expected in Q2 and a long-term goal of 250M, @cryprocom is scaling like no one else — all while being profitable with a strong balance sheet. $1.5B revenue. $300M+ EBITDA. It’s the fastest-executing crypto business in the world. 4. U.S. Political Tailwinds Are Here: Kris has been in the White House, Mar-a-Lago, and the Oval Office. The Trump-era momentum is real — and policy is shifting. Two major bills (Stablecoins & Market Structure) are already in motion. The war on crypto is over. The U.S. is going pro-crypto. And Crypto.com is at the table. 6. Institutional Capital Is Lining Up: $CRO isn’t just for retail anymore. It’s being positioned for sovereign wealth, strategic reserves, and ETF flows. ETF issuers = not natural sellers. These are demand engines. – Kris 7. The Roadmap: Precision-Engineered for Domination: Kris laid out a bold, multi-front expansion plan that touches every corner of finance and Web3: •U.S. Equities: TradFi meets DeFi — all in one app •Prediction Markets: Sports, politics, and more — on-chain and first-to-market •Global Transfers: Instant, near-zero fee money movement — no middlemen •DeFi + Wallet Upgrades: Powerfully simple, non-custodial, and ready for mass adoption •TradFi Integrations: Banking, brokerage, and payment layers — unified •AI Infrastructure: Future-proofing the stack for what’s coming next •Exchange Overhaul: Full UX redesign, deeper liquidity, pro-level tools “We want to be the fastest shipping company in the industry.” – Kris This isn’t just a roadmap — it’s a master plan to absorb market share across every vertical 8. The Next-Gen Chain = #Cronos New leadership (Mirko) is focused solely on Attracting unicorn-tier founders, Incentivizing game-changing apps, Positioning $CRO as the native gas “We want world-class teams building billion-dollar projects on , This is the same playbook $ETH ran in 2017 and $SOL ran in 2021 — but with deeper infrastructure and funding”- Kris 9. Ready, What’s Next - #Cryptocom •500+ new hires incoming •Separate P&L on each product •Every unit treated like a startup •Unified mission across Web3, DeFi, TradFi, and real-world utility “We’re building a company that thrives in any market condition.” – Kris And the line that sealed it: “Hold me accountable by March 25, 2026.” – Kris You can argue hype. You can argue narratives. But you can’t argue results. Crypto.com is quietly building the rails of the next financial system — and $CRO will power it. #CRO #CryptoCom #Kronos #Web3 #DeFi #ETFs #BullRun2025 #TrumpCrypto #CryptoNews #MakeCROGreatAgain #Marc

Crypto West

20,893 görüntüleme • 1 yıl önce

Bro… Elon just laid out the blueprint on how xAI and SpaceX are getting to 1,000+ gigawatts per year and beyond, in his closing statement at the xAI all-hands! IMO, this is why there will be no competition in space. 1/ Earth Supercomputers (Now) Build Memphis cluster to get us to >1 GW of power. “We’re only right now using roughly one percent of the potential energy of Earth.” Plan: • 330,000+ Grace Blackwell GPUs • ~1M H100-equivalent compute • 1 gigawatt draw at full scale • Built in <1 year • Tesla Megapacks stabilizing energy FYI, most AI companies are operating in hundreds of megawatts, yet xAI is already at a utility-scale gigawatt compute. 2/ Orbital Datacenters (Soon) Get to 100-200 GW per year launched into orbit with a path to ~1 terawatt (1,000 GW) total from Earth launches. “The next step beyond Earth data centers is our Earth orbital datacenters… launching at the 100-200 gigawatt per year level. Not cumulative, I mean per year.” Benefits: • Continuous solar exposure • No land constraints • No terrestrial grid bottlenecks • Virtually unlimited horizontal expansion FYI, 100–200 GW per year is equivalent to adding multiple large nation-scale grids annually. 3/ Moon Factories + Mass Driver (Mid Future) Get to 1,000+ GW per year, several orders of magnitude beyond Earth. “In order to do that you have to go to the Moon… We are actually going to have a mass driver on the Moon.” Plan: • Lunar factories build AI satellites • Electromagnetic mass driver launches them without fuel • Low lunar gravity reduces launch energy requirements • Scales far beyond Earth’s physical constraints FYI, this is when industrialized compute begins manufacturing off Earth. 4/ Solar System & Beyond (Long Term Future) Today the sun outputs ~3.8 × 10²⁶ watts “If we wanted to use even a millionth of the Sun’s energy, that would be roughly a million times more energy than civilization currently uses.” This means • 0.000001 of the Sun’s output = ~1,000,000 × today’s global Earth energy usage. 🤯 “Earth is really a tiny, tiny dust mote in a vast darkness… The Sun is 99.8% of all mass in the solar system.” To access that scale: • Moon manufacturing • Mars expansion • Solar-orbit compute clusters • Eventually tapping meaningful fractions of stellar output So… the blueprint to get here is 1/ Start at 1 GW. 2/ Scale to 1 TW. 3/ Scale to 1,000+ GW per year. 4/ Then expand toward fractions of the Sun itself. It’s clear that xAI + SpaceX is building the AI infrastructure and pathway to a stellar-scale energy civilization. I really hope I’m still alive to witness all this.
3:23

Bro… Elon just laid out the blueprint on how xAI and SpaceX are getting to 1,000+ gigawatts per year and beyond, in his closing statement at the xAI all-hands! IMO, this is why there will be no competition in space. 1/ Earth Supercomputers (Now) Build Memphis cluster to get us to >1 GW of power. “We’re only right now using roughly one percent of the potential energy of Earth.” Plan: • 330,000+ Grace Blackwell GPUs • ~1M H100-equivalent compute • 1 gigawatt draw at full scale • Built in <1 year • Tesla Megapacks stabilizing energy FYI, most AI companies are operating in hundreds of megawatts, yet xAI is already at a utility-scale gigawatt compute. 2/ Orbital Datacenters (Soon) Get to 100-200 GW per year launched into orbit with a path to ~1 terawatt (1,000 GW) total from Earth launches. “The next step beyond Earth data centers is our Earth orbital datacenters… launching at the 100-200 gigawatt per year level. Not cumulative, I mean per year.” Benefits: • Continuous solar exposure • No land constraints • No terrestrial grid bottlenecks • Virtually unlimited horizontal expansion FYI, 100–200 GW per year is equivalent to adding multiple large nation-scale grids annually. 3/ Moon Factories + Mass Driver (Mid Future) Get to 1,000+ GW per year, several orders of magnitude beyond Earth. “In order to do that you have to go to the Moon… We are actually going to have a mass driver on the Moon.” Plan: • Lunar factories build AI satellites • Electromagnetic mass driver launches them without fuel • Low lunar gravity reduces launch energy requirements • Scales far beyond Earth’s physical constraints FYI, this is when industrialized compute begins manufacturing off Earth. 4/ Solar System & Beyond (Long Term Future) Today the sun outputs ~3.8 × 10²⁶ watts “If we wanted to use even a millionth of the Sun’s energy, that would be roughly a million times more energy than civilization currently uses.” This means • 0.000001 of the Sun’s output = ~1,000,000 × today’s global Earth energy usage. 🤯 “Earth is really a tiny, tiny dust mote in a vast darkness… The Sun is 99.8% of all mass in the solar system.” To access that scale: • Moon manufacturing • Mars expansion • Solar-orbit compute clusters • Eventually tapping meaningful fractions of stellar output So… the blueprint to get here is 1/ Start at 1 GW. 2/ Scale to 1 TW. 3/ Scale to 1,000+ GW per year. 4/ Then expand toward fractions of the Sun itself. It’s clear that xAI + SpaceX is building the AI infrastructure and pathway to a stellar-scale energy civilization. I really hope I’m still alive to witness all this.

Teslaconomics

526,866 görüntüleme • 7 ay önce

CLARITY ACT UPDATE🚨🚨🚨 The Senate is preparing for a test vote on the CLARITY Act on September 15. $XRP fought Washington for years. $XLM spent those same years quietly getting regulated assets onchain. Now both stories are heading straight into the September 15 Senate test. I keep thinking about how different these two journeys have been. If you only look at prices, you miss almost everything. XRP’s U.S. story became one of the biggest legal battles crypto has ever seen. XLM’s story was quieter. Instead of dominating court headlines, Stellar kept getting integrated into regulated financial products. Now Congress is trying to write a national market structure. And suddenly both paths look like they may have been preparing for the same future. Let me explain. The next Senate procedural test for H.R. 3633, the Digital Asset Market Clarity Act, is scheduled for: September 15, 2026 at: 2:15 p.m. The threshold is 60 votes. The House already passed the bill: 294–134. Seventy-eight Democrats supported it. Then the Senate Banking Committee advanced its market-structure work: 15–9. That is serious legislative momentum. But the reason I am watching is not the vote count alone. I want to know what the U.S. financial system looks like if this process ultimately gives institutions a durable federal rulebook. Because that is when the XRP and XLM stories can become much bigger. Start with XRP. Six years ago, Ripple was in survival mode politically. The SEC had sued the company. The market was forced to ask whether XRP itself was a security. Ripple fought the issue through federal court. The Southern District of New York eventually held that XRP itself was not inherently a security. Different XRP transactions could still receive different legal treatment depending on the structure. That gave the market something incredibly important: a distinction between: the asset and: the transaction around the asset. Then Ripple and the SEC dismissed their appeals in August 2025. That means the legal fight has already produced a federal court history. Now Congress enters. Senate Banking says one objective of CLARITY is: “Legal certainty for assets already deemed non-securities by U.S. courts.” For me, that creates a natural next chapter. The lawsuit was never going to build the entire XRP market. It could only answer the legal questions before the court. Congress can go further. It can create the operating environment around digital assets. That means: regulators. exchanges. brokers. dealers. custody. AML. market integrity. self-custody. software development. jurisdiction. These are not exciting words. But these are the words institutions need. Imagine you are an XRP holder waiting for banks to use the asset. What actually needs to happen inside that bank? A trader says: I want XRP. Legal approves. Compliance approves. Risk approves. Custody works. Financing exists. Market makers exist. Hedging exists. Execution exists. Then the bank can move. If even one of those pieces fails, the product may never launch. That is why the rulebook matters. And XRP comes into this debate with a huge amount of U.S. legal work already completed. Now look at how Ripple’s relationship with Washington changed during the same period. Brad Garlinghouse testified before the Senate Banking Committee. The hearing was literally about building tomorrow’s digital-asset markets. He discussed XRP, XRPL, the SEC litigation and the need for clear SEC/CFTC jurisdiction. Then Ripple supported CLARITY. Senate Banking publicly quoted Brad: “Ripple stands behind this bill.” Then the CFTC Innovation Advisory Committee appointed Brad. He now sits alongside executives from: Coinbase. Nasdaq. DTCC. CME. Franklin Templeton. Chainlink. LSEG. These are not random crypto personalities. They are institutions that control major pieces of the financial market. Trading. Market infrastructure. Asset management. Exchange technology. Clearing. Then in August, Brad entered the White House. President Trump. SEC Chairman Paul Atkins. CFTC Chairman Michael Selig. ICE. Nasdaq. Coinbase. Robinhood. Chainlink. Ripple. And Trump pushed CLARITY. That sequence would have sounded impossible when the lawsuit started. The company the SEC sued is now inside the rooms where the next federal framework is being discussed. I do not need to invent anything beyond that. The shift in Ripple’s position is already enormous. Now let’s switch to XLM. Instead of the courtroom, start with an asset manager. Franklin Templeton. Its Franklin OnChain U.S. Government Money Fund became the first U.S.-registered mutual fund to use public blockchain infrastructure as its official system of record. Stellar helped provide that infrastructure. By April 2026, more than: $650 million of the fund was represented on Stellar. Across the BENJI suite: $1.98 billion AUM. Investor growth: more than 140% between April 2024 and March 2026. Peer-to-peer BENJI transfers: more than $211 million. That is institutional adoption. Not a pilot nobody uses. Not a proof-of-concept presentation. A real U.S.-registered fund. Now scale the ambition up. DTCC announces its planned Stellar connection. Expected availability of DTC-tokenized assets: first half of 2027. And DTCC is evaluating assets including: Russell 1000 constituents. Major-index ETFs. U.S. Treasury bills. U.S. Treasury notes. U.S. Treasury bonds. That is the heart of American capital markets. Stellar is being positioned as one public blockchain inside that future infrastructure. And the SEC No-Action Letter already sits behind DTC’s tokenization service. Think about what that means for the timing. America is trying to write a digital-asset market structure at exactly the moment traditional financial-market infrastructure is preparing to connect tokenized securities to a public blockchain. That is why the CLARITY vote matters to me for XLM. The network is not waiting for legislation to become relevant. It is already relevant. The legislation can make the wider environment around it easier for institutions. And Denelle Dixon has been pushing for exactly the kind of functional classification crypto needs. She told the Senate Agriculture Committee that policymakers should look at what digital assets actually do inside their networks. That is especially relevant to XLM. XLM is required for: transaction fees. network rent. minimum balances. Accounts supporting issued assets require XLM for the network resources they consume. So if more regulated assets land on Stellar, the native asset remains part of the operational layer. And there is more. Stellar supports path payments. One asset can enter. Another asset can come out. The network can route through its exchange and liquidity infrastructure. XLM can participate in those routes. So imagine a future Stellar with: tokenized Treasuries. tokenized funds. ETFs. equities. stablecoins. payments. The number of assets grows. The number of accounts grows. The number of transfers grows. The need for network resources grows. And the liquidity relationships between those assets grow too. That is a real XLM network thesis. Then Denelle Dixon directly comments on CLARITY in June 2026. She says passage would benefit the industry. She points to regulation helping institutions become comfortable moving from experiments into deployment. That phrase gets me: from experimentation to deployment. Crypto has had enough experiments. The next phase is deployment. Real customers. Real assets. Real money. Real scale. And both XRP and XLM are positioned for that phase in completely different ways. XRP: turn legal survival into institutional market structure. XLM: turn institutional tokenization into broader regulated scale. Now think about one piece connecting both: legal certainty changes capital allocation. A company can accept technological risk. It can model market risk. It can hedge price risk. Undefined legal risk is harder. You cannot hedge a regulator deciding the rules changed. That is why a durable statute can be so powerful. The question becomes: What do the rules say? Then businesses adapt. That is normal finance. And normal finance is where I want these assets to go. I do not want their future depending on which SEC speech went viral. I want institutions reading the same federal statute. I want regulators operating under defined jurisdictions. I want custody rules. Trading rules. Broker rules. Market integrity. Then let XRP and XLM compete. That is the bullish part. Imagine CLARITY eventually becomes law. Trump signs it. The SEC and CFTC implement the framework. Now the first XRP meeting happens. The institution opens the Ripple legal history. The court ruling is there. The appeals are finished. The new federal framework is there. The legal department approves evaluation. Then product begins. Institutional XRP custody. Trading. Market making. Prime brokerage. More ETF infrastructure. More liquidity. Then the XRP books change. Market makers hold larger inventories because more customers need markets. Prime brokers finance those positions. The size institutions can trade grows. Then XRP becomes a more useful bridge asset precisely because the liquidity becomes more professional. That is how legal clarity can become economic usefulness. Not directly. Through the market structure between them. Now the first major post-CLARITY Stellar meeting happens. The institution asks: Who already uses this network? Franklin Templeton. What is coming? DTCC connectivity. Which types of assets? Equities. ETFs. Treasuries. What does the native asset do? Fees. Reserves. Rent. Liquidity paths. The institution is not considering an empty chain. It is joining an ecosystem where traditional financial infrastructure has already left footprints. Then another issuer arrives. More assets. More accounts. More XLM usage. More transfers. More liquidity. Another issuer sees the activity. It joins too. That creates the Stellar flywheel. And when I put both together, the distinction becomes incredibly clean. XRP needs professional liquidity depth. XLM needs growing regulated network activity. A clearer U.S. market structure can help both, but through different mechanisms. For XRP: legal certainty can unlock more professional balance sheets. Those balance sheets can deepen XRP liquidity. Deeper XRP liquidity can support larger use cases. For XLM: legal certainty can make more institutions comfortable issuing and servicing regulated assets. Those assets create more Stellar activity. More Stellar activity requires more XLM at the network level. That is why I do not see this as a generic: “Crypto bill bullish.” I see two specific economic paths. Then bring Washington back into it. Ripple is unusually close to the process. Legislative: Brad testified. Regulatory: Brad sits on the CFTC Innovation Advisory Committee. Executive: Brad attended Trump’s White House meeting. Stellar’s involvement is different. Its proof is already in traditional finance. Franklin Templeton. DTCC. Denelle Dixon’s congressional advocacy. That is a good combination for holders of both. One ecosystem is heavily engaged with policymakers. The other has major regulated asset infrastructure already underway. Now think about what September 15 tests. Can enough senators agree that America needs to move this framework forward? The House already produced 294 yes votes. It already showed 78 Democratic votes. Senate Banking already produced a 15–9 vote. If the Senate clears the next barrier, the market gets another sign that digital-asset rules can move beyond enforcement and agency interpretation toward actual legislation. That changes the planning horizon. Institutions can start thinking years ahead. That is crucial. Banks do not build infrastructure for a six-month political window. DTCC does not redesign markets around temporary guidance. Asset managers do not want to rebuild compliance every election. They want durable rules. That is exactly why XRP’s court history plus federal market structure could become so powerful. The court survived the fight. The statute can provide the operating framework. Then market participants can build around both. And it is exactly why Stellar’s DTCC timing can become powerful. The institution is preparing tokenization infrastructure for 2027. A clearer market structure arriving before that can give participants more confidence in how the wider ecosystem will operate. Now let me push the scenario aggressively bullish. The Senate advances CLARITY. The bill ultimately becomes law. America starts pulling digital-asset infrastructure back onshore. Institutions stop treating blockchain as a special innovation lab project. They start building products. XRP becomes one of the assets compliance teams approve more easily because of its completed court history and the new market framework. Market makers deepen inventory. Custodians expand. Prime brokers finance. The XRP market develops the type of professional liquidity needed for larger institutional flows. Ripple can walk into a bank and focus on: the product. the execution. the settlement. the liquidity. not relitigating 2020. Then XRPL integrations become easier. If more tokenized assets and institutional payments use the ledger, the network needs deeper liquidity. That creates more reasons for XRP inventory to exist. More inventory supports larger routes. That is the loop. Meanwhile Stellar continues building. DTCC connects DTC tokenization services. Franklin expands. Other issuers see that U.S. regulated finance is already running through public blockchain infrastructure. They join. Stellar accounts expand. Asset issuance expands. Transactions expand. Network state expands. XLM requirements expand with it. Path-payment liquidity becomes more relevant as more different assets live on the network. XLM sits underneath a larger financial system. Then both networks mature past the altcoin label. This is the part I think will surprise people. The crypto market still talks about XRP and XLM like they are competing tickers on an exchange. Institutional finance will care about something different. What function does the network perform? What assets exist on it? What liquidity is available? What legal rules apply? Which institutions are already connected? That is the scorecard. And by that scorecard: XRP has something very few assets have: a years-long federal legal record plus Ripple’s direct policy access. XLM has something very few assets have: major regulated financial institutions already using and planning public-blockchain tokenization infrastructure. That is why I hold the September 15 date in such high regard. Not because a procedural vote itself completes the story. Because the story is changing from: Can crypto survive the U.S. regulatory system? to: Which crypto infrastructure becomes part of the U.S. financial system once the rules are clear? That second question is where I want $XRP and $XLM competing. And if America really reaches that stage, I think a lot of people will realize they spent too much time watching daily candles and not enough time watching the financial architecture underneath them. XRP already fought the courtroom war. XLM already has regulated assets coming onchain. Now Congress is building toward the rulebook. September 15 may eventually be remembered less for what prices did that day and more for what institutions were finally able to build afterward. You get it? 👇
0:53

CLARITY ACT UPDATE🚨🚨🚨 The Senate is preparing for a test vote on the CLARITY Act on September 15. $XRP fought Washington for years. $XLM spent those same years quietly getting regulated assets onchain. Now both stories are heading straight into the September 15 Senate test. I keep thinking about how different these two journeys have been. If you only look at prices, you miss almost everything. XRP’s U.S. story became one of the biggest legal battles crypto has ever seen. XLM’s story was quieter. Instead of dominating court headlines, Stellar kept getting integrated into regulated financial products. Now Congress is trying to write a national market structure. And suddenly both paths look like they may have been preparing for the same future. Let me explain. The next Senate procedural test for H.R. 3633, the Digital Asset Market Clarity Act, is scheduled for: September 15, 2026 at: 2:15 p.m. The threshold is 60 votes. The House already passed the bill: 294–134. Seventy-eight Democrats supported it. Then the Senate Banking Committee advanced its market-structure work: 15–9. That is serious legislative momentum. But the reason I am watching is not the vote count alone. I want to know what the U.S. financial system looks like if this process ultimately gives institutions a durable federal rulebook. Because that is when the XRP and XLM stories can become much bigger. Start with XRP. Six years ago, Ripple was in survival mode politically. The SEC had sued the company. The market was forced to ask whether XRP itself was a security. Ripple fought the issue through federal court. The Southern District of New York eventually held that XRP itself was not inherently a security. Different XRP transactions could still receive different legal treatment depending on the structure. That gave the market something incredibly important: a distinction between: the asset and: the transaction around the asset. Then Ripple and the SEC dismissed their appeals in August 2025. That means the legal fight has already produced a federal court history. Now Congress enters. Senate Banking says one objective of CLARITY is: “Legal certainty for assets already deemed non-securities by U.S. courts.” For me, that creates a natural next chapter. The lawsuit was never going to build the entire XRP market. It could only answer the legal questions before the court. Congress can go further. It can create the operating environment around digital assets. That means: regulators. exchanges. brokers. dealers. custody. AML. market integrity. self-custody. software development. jurisdiction. These are not exciting words. But these are the words institutions need. Imagine you are an XRP holder waiting for banks to use the asset. What actually needs to happen inside that bank? A trader says: I want XRP. Legal approves. Compliance approves. Risk approves. Custody works. Financing exists. Market makers exist. Hedging exists. Execution exists. Then the bank can move. If even one of those pieces fails, the product may never launch. That is why the rulebook matters. And XRP comes into this debate with a huge amount of U.S. legal work already completed. Now look at how Ripple’s relationship with Washington changed during the same period. Brad Garlinghouse testified before the Senate Banking Committee. The hearing was literally about building tomorrow’s digital-asset markets. He discussed XRP, XRPL, the SEC litigation and the need for clear SEC/CFTC jurisdiction. Then Ripple supported CLARITY. Senate Banking publicly quoted Brad: “Ripple stands behind this bill.” Then the CFTC Innovation Advisory Committee appointed Brad. He now sits alongside executives from: Coinbase. Nasdaq. DTCC. CME. Franklin Templeton. Chainlink. LSEG. These are not random crypto personalities. They are institutions that control major pieces of the financial market. Trading. Market infrastructure. Asset management. Exchange technology. Clearing. Then in August, Brad entered the White House. President Trump. SEC Chairman Paul Atkins. CFTC Chairman Michael Selig. ICE. Nasdaq. Coinbase. Robinhood. Chainlink. Ripple. And Trump pushed CLARITY. That sequence would have sounded impossible when the lawsuit started. The company the SEC sued is now inside the rooms where the next federal framework is being discussed. I do not need to invent anything beyond that. The shift in Ripple’s position is already enormous. Now let’s switch to XLM. Instead of the courtroom, start with an asset manager. Franklin Templeton. Its Franklin OnChain U.S. Government Money Fund became the first U.S.-registered mutual fund to use public blockchain infrastructure as its official system of record. Stellar helped provide that infrastructure. By April 2026, more than: $650 million of the fund was represented on Stellar. Across the BENJI suite: $1.98 billion AUM. Investor growth: more than 140% between April 2024 and March 2026. Peer-to-peer BENJI transfers: more than $211 million. That is institutional adoption. Not a pilot nobody uses. Not a proof-of-concept presentation. A real U.S.-registered fund. Now scale the ambition up. DTCC announces its planned Stellar connection. Expected availability of DTC-tokenized assets: first half of 2027. And DTCC is evaluating assets including: Russell 1000 constituents. Major-index ETFs. U.S. Treasury bills. U.S. Treasury notes. U.S. Treasury bonds. That is the heart of American capital markets. Stellar is being positioned as one public blockchain inside that future infrastructure. And the SEC No-Action Letter already sits behind DTC’s tokenization service. Think about what that means for the timing. America is trying to write a digital-asset market structure at exactly the moment traditional financial-market infrastructure is preparing to connect tokenized securities to a public blockchain. That is why the CLARITY vote matters to me for XLM. The network is not waiting for legislation to become relevant. It is already relevant. The legislation can make the wider environment around it easier for institutions. And Denelle Dixon has been pushing for exactly the kind of functional classification crypto needs. She told the Senate Agriculture Committee that policymakers should look at what digital assets actually do inside their networks. That is especially relevant to XLM. XLM is required for: transaction fees. network rent. minimum balances. Accounts supporting issued assets require XLM for the network resources they consume. So if more regulated assets land on Stellar, the native asset remains part of the operational layer. And there is more. Stellar supports path payments. One asset can enter. Another asset can come out. The network can route through its exchange and liquidity infrastructure. XLM can participate in those routes. So imagine a future Stellar with: tokenized Treasuries. tokenized funds. ETFs. equities. stablecoins. payments. The number of assets grows. The number of accounts grows. The number of transfers grows. The need for network resources grows. And the liquidity relationships between those assets grow too. That is a real XLM network thesis. Then Denelle Dixon directly comments on CLARITY in June 2026. She says passage would benefit the industry. She points to regulation helping institutions become comfortable moving from experiments into deployment. That phrase gets me: from experimentation to deployment. Crypto has had enough experiments. The next phase is deployment. Real customers. Real assets. Real money. Real scale. And both XRP and XLM are positioned for that phase in completely different ways. XRP: turn legal survival into institutional market structure. XLM: turn institutional tokenization into broader regulated scale. Now think about one piece connecting both: legal certainty changes capital allocation. A company can accept technological risk. It can model market risk. It can hedge price risk. Undefined legal risk is harder. You cannot hedge a regulator deciding the rules changed. That is why a durable statute can be so powerful. The question becomes: What do the rules say? Then businesses adapt. That is normal finance. And normal finance is where I want these assets to go. I do not want their future depending on which SEC speech went viral. I want institutions reading the same federal statute. I want regulators operating under defined jurisdictions. I want custody rules. Trading rules. Broker rules. Market integrity. Then let XRP and XLM compete. That is the bullish part. Imagine CLARITY eventually becomes law. Trump signs it. The SEC and CFTC implement the framework. Now the first XRP meeting happens. The institution opens the Ripple legal history. The court ruling is there. The appeals are finished. The new federal framework is there. The legal department approves evaluation. Then product begins. Institutional XRP custody. Trading. Market making. Prime brokerage. More ETF infrastructure. More liquidity. Then the XRP books change. Market makers hold larger inventories because more customers need markets. Prime brokers finance those positions. The size institutions can trade grows. Then XRP becomes a more useful bridge asset precisely because the liquidity becomes more professional. That is how legal clarity can become economic usefulness. Not directly. Through the market structure between them. Now the first major post-CLARITY Stellar meeting happens. The institution asks: Who already uses this network? Franklin Templeton. What is coming? DTCC connectivity. Which types of assets? Equities. ETFs. Treasuries. What does the native asset do? Fees. Reserves. Rent. Liquidity paths. The institution is not considering an empty chain. It is joining an ecosystem where traditional financial infrastructure has already left footprints. Then another issuer arrives. More assets. More accounts. More XLM usage. More transfers. More liquidity. Another issuer sees the activity. It joins too. That creates the Stellar flywheel. And when I put both together, the distinction becomes incredibly clean. XRP needs professional liquidity depth. XLM needs growing regulated network activity. A clearer U.S. market structure can help both, but through different mechanisms. For XRP: legal certainty can unlock more professional balance sheets. Those balance sheets can deepen XRP liquidity. Deeper XRP liquidity can support larger use cases. For XLM: legal certainty can make more institutions comfortable issuing and servicing regulated assets. Those assets create more Stellar activity. More Stellar activity requires more XLM at the network level. That is why I do not see this as a generic: “Crypto bill bullish.” I see two specific economic paths. Then bring Washington back into it. Ripple is unusually close to the process. Legislative: Brad testified. Regulatory: Brad sits on the CFTC Innovation Advisory Committee. Executive: Brad attended Trump’s White House meeting. Stellar’s involvement is different. Its proof is already in traditional finance. Franklin Templeton. DTCC. Denelle Dixon’s congressional advocacy. That is a good combination for holders of both. One ecosystem is heavily engaged with policymakers. The other has major regulated asset infrastructure already underway. Now think about what September 15 tests. Can enough senators agree that America needs to move this framework forward? The House already produced 294 yes votes. It already showed 78 Democratic votes. Senate Banking already produced a 15–9 vote. If the Senate clears the next barrier, the market gets another sign that digital-asset rules can move beyond enforcement and agency interpretation toward actual legislation. That changes the planning horizon. Institutions can start thinking years ahead. That is crucial. Banks do not build infrastructure for a six-month political window. DTCC does not redesign markets around temporary guidance. Asset managers do not want to rebuild compliance every election. They want durable rules. That is exactly why XRP’s court history plus federal market structure could become so powerful. The court survived the fight. The statute can provide the operating framework. Then market participants can build around both. And it is exactly why Stellar’s DTCC timing can become powerful. The institution is preparing tokenization infrastructure for 2027. A clearer market structure arriving before that can give participants more confidence in how the wider ecosystem will operate. Now let me push the scenario aggressively bullish. The Senate advances CLARITY. The bill ultimately becomes law. America starts pulling digital-asset infrastructure back onshore. Institutions stop treating blockchain as a special innovation lab project. They start building products. XRP becomes one of the assets compliance teams approve more easily because of its completed court history and the new market framework. Market makers deepen inventory. Custodians expand. Prime brokers finance. The XRP market develops the type of professional liquidity needed for larger institutional flows. Ripple can walk into a bank and focus on: the product. the execution. the settlement. the liquidity. not relitigating 2020. Then XRPL integrations become easier. If more tokenized assets and institutional payments use the ledger, the network needs deeper liquidity. That creates more reasons for XRP inventory to exist. More inventory supports larger routes. That is the loop. Meanwhile Stellar continues building. DTCC connects DTC tokenization services. Franklin expands. Other issuers see that U.S. regulated finance is already running through public blockchain infrastructure. They join. Stellar accounts expand. Asset issuance expands. Transactions expand. Network state expands. XLM requirements expand with it. Path-payment liquidity becomes more relevant as more different assets live on the network. XLM sits underneath a larger financial system. Then both networks mature past the altcoin label. This is the part I think will surprise people. The crypto market still talks about XRP and XLM like they are competing tickers on an exchange. Institutional finance will care about something different. What function does the network perform? What assets exist on it? What liquidity is available? What legal rules apply? Which institutions are already connected? That is the scorecard. And by that scorecard: XRP has something very few assets have: a years-long federal legal record plus Ripple’s direct policy access. XLM has something very few assets have: major regulated financial institutions already using and planning public-blockchain tokenization infrastructure. That is why I hold the September 15 date in such high regard. Not because a procedural vote itself completes the story. Because the story is changing from: Can crypto survive the U.S. regulatory system? to: Which crypto infrastructure becomes part of the U.S. financial system once the rules are clear? That second question is where I want $XRP and $XLM competing. And if America really reaches that stage, I think a lot of people will realize they spent too much time watching daily candles and not enough time watching the financial architecture underneath them. XRP already fought the courtroom war. XLM already has regulated assets coming onchain. Now Congress is building toward the rulebook. September 15 may eventually be remembered less for what prices did that day and more for what institutions were finally able to build afterward. You get it? 👇

X Finance Bull

104,286 görüntüleme • 25 gün önce

Listen.... I need to add my voice to this quiet roar happening on South Florida social media right now. If you are African American, or move through the world with any perception of Blackness, you are going to struggle in Miami. Period. You --will struggle-- if you do not have the specific will or the personal infrastructure to survive on your own. This city is beautiful, but the friction is real asf. My number 2 most used app on my phone is Google Translate. Fam... think about that. As a Black man in an American tech hub, I need a translation layer just to navigate basic survival out here. It is a constant tax on your mental bandwidth. You are navigating cultural codes that weren't written for you while trying to build the future. If you don't bring your own table, you will starve waiting for an invite. ✨There is one glowing exception to this rule: The AI community. It is the only space in this city where I see a genuine diversity of cultures, and it's because the barrier to entry is binary. In the AI labs and the late-night dev sessions in Wynwood, nobody cares where your accent is from or what your background looks like. It is strictly about your receipts. Can. You. Deliver. Fam, I live this shit and I have watched this city long enough to see the patterns in who makes it and who gets swallowed by the bubble. The ones who stay and build do a few things consistently. First, find your infrastructure early. Miami has community-led efforts, organizations like the Center for Black Innovation, the Black in Miami Tech network built to bridge the gap between Black consumers and Black creators in this ecosystem. Fam this is not optional. These are load-bearing relationships. I would be remiss to not mention my Mogul District events... I'm on stage speaking in urban vernacular an entire culture understands. Second, they build economic independence before they need it. The professionals I respect most here are doing it largely without the institutional support that other groups take for granted. They are doing it through hustle, community infrastructure they built themselves, and technical skills that make them undeniable. I am still here. I chose Miami. I am building here. I have lost literally everything I own here. And I got my first Lambo here. I stay here because the potential is real, the weather is undefeated, and I refuse to let the bubble decide what is possible for me. I have office space on Biscayne that I have for 4 years made available to any entrepreneur but in particular our community. You need to chop it up with people in the game... I'll introduce you to an entire community. I want to see you at the top when I'm at the top. I heard the lobster rolls are better up there. --Micah (#TheAIMogul) |
2:53

Listen.... I need to add my voice to this quiet roar happening on South Florida social media right now. If you are African American, or move through the world with any perception of Blackness, you are going to struggle in Miami. Period. You --will struggle-- if you do not have the specific will or the personal infrastructure to survive on your own. This city is beautiful, but the friction is real asf. My number 2 most used app on my phone is Google Translate. Fam... think about that. As a Black man in an American tech hub, I need a translation layer just to navigate basic survival out here. It is a constant tax on your mental bandwidth. You are navigating cultural codes that weren't written for you while trying to build the future. If you don't bring your own table, you will starve waiting for an invite. ✨There is one glowing exception to this rule: The AI community. It is the only space in this city where I see a genuine diversity of cultures, and it's because the barrier to entry is binary. In the AI labs and the late-night dev sessions in Wynwood, nobody cares where your accent is from or what your background looks like. It is strictly about your receipts. Can. You. Deliver. Fam, I live this shit and I have watched this city long enough to see the patterns in who makes it and who gets swallowed by the bubble. The ones who stay and build do a few things consistently. First, find your infrastructure early. Miami has community-led efforts, organizations like the Center for Black Innovation, the Black in Miami Tech network built to bridge the gap between Black consumers and Black creators in this ecosystem. Fam this is not optional. These are load-bearing relationships. I would be remiss to not mention my Mogul District events... I'm on stage speaking in urban vernacular an entire culture understands. Second, they build economic independence before they need it. The professionals I respect most here are doing it largely without the institutional support that other groups take for granted. They are doing it through hustle, community infrastructure they built themselves, and technical skills that make them undeniable. I am still here. I chose Miami. I am building here. I have lost literally everything I own here. And I got my first Lambo here. I stay here because the potential is real, the weather is undefeated, and I refuse to let the bubble decide what is possible for me. I have office space on Biscayne that I have for 4 years made available to any entrepreneur but in particular our community. You need to chop it up with people in the game... I'll introduce you to an entire community. I want to see you at the top when I'm at the top. I heard the lobster rolls are better up there. --Micah (#TheAIMogul) |

Micah Berkley - TheAIMogul

190,719 görüntüleme • 7 gün önce

OH BOY! 🚨 THE CFTC JUST SAID IT’S GO TIME FOR 24/7 ONCHAIN MARKETS. If you’re still sleeping on $XRP, $XLM and $HBAR, this long read may completely change how you see what’s being built. I’ve been going back through everything CFTC Chairman Michael Selig said this week, and the more I connect it with what is already happening on XRP Ledger, Stellar and Hedera, the more serious this gets. Selig is talking about a financial market that looks very different from the one most people grew up with. Markets that stay open around the clock. Assets that exist directly on public ledgers. Stablecoins moving alongside securities. Collateral moving almost instantly. Algorithms making decisions faster than humans. AI agents eventually trading, paying, borrowing and moving value automatically. His September 22 remarks were explicit: markets need to prepare for mass tokenization, blockchain and AI adoption at scale, onchain finance and 24/7 trading. He also described tokenization as infrastructure that could enable near-instant settlement and real-time collateral mobility across clearinghouses, intermediaries and end users. Then on CNBC the next day, he went even further and talked about markets transitioning toward “24-7 on-chain” systems driven by algorithms and agentic finance. That language is incredibly important to me because $XRP, $XLM and $HBAR are already built around parts of that exact world. And there is another detail people need to remember. Back on March 17, the SEC issued its crypto interpretation with CFTC participation. The interpretation explicitly lists XRP, Stellar (XLM) and Hedera (HBAR) as examples of digital commodities. Read those two developments together. March: XRP, XLM and HBAR enter the agencies’ digital-commodity framework. September: the CFTC Chairman starts publicly preparing the market for mass tokenization, continuous onchain finance, AI and automated markets. That connection deserves way more attention. And the regulatory work kept moving even after the CLARITY Act failed to advance on September 15 by a 49–50 cloture vote. Two days later, the CFTC had a crypto-market regulatory action sitting with OIRA, titled “Regulation Crypto Asset Transactions and Regulation Crypto Asset Markets,” RIN 3038-AF80. The same day, the SEC launched its five-year Innovation Exemption allowing qualifying Tokenized Securities Venues to use permissioned AMM liquidity pools on public, permissionless distributed ledgers for tokenized NMS stocks. Then September 21, the CFTC announced its Frontier Forum Series, beginning October 28 with a forum specifically about artificial intelligence and agentic finance. That is a lot happening in one week. And when I compare it with these three networks, I see something very specific. Start with $XRP. XRPL already operates 24/7. It already has a native DEX. It already has order books. It already has AMMs. It already has compliance-focused infrastructure. And it already has institutional tokenization happening on the ledger. Guggenheim Treasury Services’ Digital Commercial Paper came to XRPL after the platform had already processed more than $280M in issuance. Ondo OUSG gives qualified investors tokenized Treasury exposure with RLUSD available for settlement around the clock. Aviva Investors announced its intention to work with Ripple around bringing traditional fund structures onto XRPL. Then Ripple invested in ZILO and Licuido around transfer agency, issuance and collateral infrastructure. Pause there. Selig specifically talks about real-time collateral mobility. XRPL is moving toward an environment where assets can be issued, traded, settled, collateralized and eventually lent against on the same digital infrastructure. And the stablecoin side is becoming serious. The context puts RLUSD at roughly $2.3956B circulating, backed by about $2.5177B in reserves. So now XRPL can have tokenized Treasuries, commercial paper, stablecoin liquidity, a native DEX and institutional trading infrastructure living together. That starts looking less like one payments product and more like a financial market. Then agentic finance enters. Ripple’s XRPL AI Starter Kit supports x402 payments using XRP or RLUSD. An AI agent can potentially request an API, pay for compute, purchase data or access a digital service automatically. No human needs to open a banking app every time. The agent can pay. The service can respond. The settlement happens on XRPL. And XRP has native economic roles throughout the ledger. Transaction fees consume XRP. Accounts require XRP reserves. XRP can also participate in cross-asset routing and auto-bridging. So if Selig’s 24/7, tokenized and automated market actually grows, XRPL already has technology aimed directly at that environment. Now move to $XLM. Stellar may be one of the easiest networks to understand through Selig’s framework because it already has both assets and money moving onchain. By Q2 2026, tokenized RWAs on Stellar had crossed $3B. Stablecoin transfer volume reached $11.4B during Q2. And the network had more than 10.7M active accounts. Then BVNK integrated Stellar into its enterprise stablecoin infrastructure on September 22. BVNK processes roughly $39B in annualized payment volume and supports businesses across more than 130 countries. So right as the CFTC Chairman is talking about continuous onchain financial markets, Stellar is getting plugged deeper into enterprise stablecoin settlement. That feels extremely well timed. But the part I think people are going to discover later is Stellar’s agentic-finance positioning. The Stellar Development Foundation is a Premier member of the Linux Foundation’s x402 Foundation and holds a governing-board seat. Stellar supports x402. It also supports Machine Payments Protocol. That means an AI agent can use tokenized money or USDC to pay for data, an API, a service or another digital resource. Five-second-class settlement becomes very interesting when the payer is software. Humans sleep. Agents do not. Humans might make a handful of financial transactions during a day. Software could eventually make hundreds, thousands or millions of tiny economic decisions continuously. Every one of those transactions creates network activity. And XLM still sits underneath Stellar’s operation. Transaction fees are paid in XLM. Account reserves require XLM. Smart-contract rent and network resources use XLM. So an enterprise can think entirely in dollars. An AI agent can think in USDC. The ledger still operates with XLM beneath the surface. Then you get to $HBAR, and Selig’s language becomes almost eerie. Mass tokenization? Archax has more than 100 tokenized assets tied to its Hedera infrastructure, six asset managers onboarded and more than $300M tokenized in the context. Real-time collateral mobility? Lloyds Banking Group and Aberdeen already used tokenized money-market-fund units and UK gilts around regulated FX activity through Hedera-connected infrastructure. 24/7 markets? Archax tokenized the Canary HBAR ETF on Hedera and executed an onchain transaction on Thanksgiving Day 2025, when conventional U.S. markets were closed. Programmable finance? Archax and Hedera launched tokenized securities capable of distributing interest payments in USDC at near-second-by-second intervals directly into investor wallets. Agentic finance? Hedera integrated x402. Its implementation supports HBAR and USDC payments. Hedera also has Agent Kit and Agent Lab, giving developers infrastructure for transaction-capable autonomous agents. Then Accenture joined the Hedera Council around trusted infrastructure for enterprise AI and the agentic economy. So when Michael Selig says regulators are preparing for markets increasingly run through algorithms and agentic finance, Hedera already has developers building machines that can transact on its network. And HBAR has a very clean economic role. Every Hedera application transaction ultimately pays a network fee in HBAR. HBAR also secures consensus through staking. So an investor could own a tokenized security. Receive USDC cash flows. An AI agent could make payments. A business could transfer stablecoins. A collateral position could move. The user may never touch HBAR directly. The network still uses it. That model is important. People keep asking whether stablecoins compete with utility coins. In these systems, stablecoins can actually create more network activity. More RLUSD on XRPL can create more XRPL settlement. More USDC on Stellar can create more Stellar activity. More USDC on Hedera can create more Hedera transactions. The stablecoin is the money. The native asset powers part of the infrastructure moving that money. Now connect all of this with the SEC. Its September 17 exemption allows qualifying venues to experiment with tokenized U.S.-listed stocks using permissioned AMM pools whose smart contracts are public and deployed on public, permissionless distributed ledgers. Hester Peirce said the exemption is preparing market participants for a future where tokenized stock trading onchain becomes commonplace. So you have the SEC preparing securities markets for onchain trading. The CFTC preparing commodity and derivatives regulation around mass tokenization, continuous markets and AI. And three assets already explicitly sitting in the digital-commodity taxonomy: XRP. XLM. HBAR. This is where my conviction comes from. Picture what the financial stack could eventually contain: tokenized Apple shares, tokenized Nvidia shares, tokenized ETFs, Treasury products, money-market funds, commercial paper, stablecoins, digital commodities, lending markets, collateral, AMMs, AI agents. All moving continuously. No Friday closing bell for the blockchain. No waiting until Monday morning to move collateral. No human required for every tiny transaction. The financial system becomes programmable. And these three networks are already preparing for that kind of activity. For XRP, I see a path from payments into a broader institutional liquidity, tokenization, collateral and agent-payment network. For XLM, I see stablecoin settlement, tokenized assets and machine payments beginning to converge. For HBAR, I see institutional tokenization, continuous collateral, stablecoin cash flows and machine commerce operating on one network. And each native asset has an actual network role. XRP handles fees, reserves and liquidity. XLM handles fees, reserves and smart-contract resources. HBAR handles fees and network security. That distinction matters immensely to me. These are not coins being randomly attached to a tokenization headline. Their networks are already trying to do the exact jobs a tokenized financial system needs. And the regulator responsible for enormous parts of U.S. derivatives markets is now publicly saying the market itself is changing into something more onchain, continuous, automated and tokenized. A few years ago, people holding utility coins had to explain why finance might ever move onto public blockchain infrastructure. Now regulators are preparing rules for that environment. That is a massive change in the conversation. And if tokenized securities, stablecoins, collateral and autonomous agents really begin operating around the clock, I believe the market eventually has to look at $XRP $XLM $HBAR through a much bigger lens than it does today. Does this finally wake you up?
0:41

OH BOY! 🚨 THE CFTC JUST SAID IT’S GO TIME FOR 24/7 ONCHAIN MARKETS. If you’re still sleeping on $XRP, $XLM and $HBAR, this long read may completely change how you see what’s being built. I’ve been going back through everything CFTC Chairman Michael Selig said this week, and the more I connect it with what is already happening on XRP Ledger, Stellar and Hedera, the more serious this gets. Selig is talking about a financial market that looks very different from the one most people grew up with. Markets that stay open around the clock. Assets that exist directly on public ledgers. Stablecoins moving alongside securities. Collateral moving almost instantly. Algorithms making decisions faster than humans. AI agents eventually trading, paying, borrowing and moving value automatically. His September 22 remarks were explicit: markets need to prepare for mass tokenization, blockchain and AI adoption at scale, onchain finance and 24/7 trading. He also described tokenization as infrastructure that could enable near-instant settlement and real-time collateral mobility across clearinghouses, intermediaries and end users. Then on CNBC the next day, he went even further and talked about markets transitioning toward “24-7 on-chain” systems driven by algorithms and agentic finance. That language is incredibly important to me because $XRP, $XLM and $HBAR are already built around parts of that exact world. And there is another detail people need to remember. Back on March 17, the SEC issued its crypto interpretation with CFTC participation. The interpretation explicitly lists XRP, Stellar (XLM) and Hedera (HBAR) as examples of digital commodities. Read those two developments together. March: XRP, XLM and HBAR enter the agencies’ digital-commodity framework. September: the CFTC Chairman starts publicly preparing the market for mass tokenization, continuous onchain finance, AI and automated markets. That connection deserves way more attention. And the regulatory work kept moving even after the CLARITY Act failed to advance on September 15 by a 49–50 cloture vote. Two days later, the CFTC had a crypto-market regulatory action sitting with OIRA, titled “Regulation Crypto Asset Transactions and Regulation Crypto Asset Markets,” RIN 3038-AF80. The same day, the SEC launched its five-year Innovation Exemption allowing qualifying Tokenized Securities Venues to use permissioned AMM liquidity pools on public, permissionless distributed ledgers for tokenized NMS stocks. Then September 21, the CFTC announced its Frontier Forum Series, beginning October 28 with a forum specifically about artificial intelligence and agentic finance. That is a lot happening in one week. And when I compare it with these three networks, I see something very specific. Start with $XRP. XRPL already operates 24/7. It already has a native DEX. It already has order books. It already has AMMs. It already has compliance-focused infrastructure. And it already has institutional tokenization happening on the ledger. Guggenheim Treasury Services’ Digital Commercial Paper came to XRPL after the platform had already processed more than $280M in issuance. Ondo OUSG gives qualified investors tokenized Treasury exposure with RLUSD available for settlement around the clock. Aviva Investors announced its intention to work with Ripple around bringing traditional fund structures onto XRPL. Then Ripple invested in ZILO and Licuido around transfer agency, issuance and collateral infrastructure. Pause there. Selig specifically talks about real-time collateral mobility. XRPL is moving toward an environment where assets can be issued, traded, settled, collateralized and eventually lent against on the same digital infrastructure. And the stablecoin side is becoming serious. The context puts RLUSD at roughly $2.3956B circulating, backed by about $2.5177B in reserves. So now XRPL can have tokenized Treasuries, commercial paper, stablecoin liquidity, a native DEX and institutional trading infrastructure living together. That starts looking less like one payments product and more like a financial market. Then agentic finance enters. Ripple’s XRPL AI Starter Kit supports x402 payments using XRP or RLUSD. An AI agent can potentially request an API, pay for compute, purchase data or access a digital service automatically. No human needs to open a banking app every time. The agent can pay. The service can respond. The settlement happens on XRPL. And XRP has native economic roles throughout the ledger. Transaction fees consume XRP. Accounts require XRP reserves. XRP can also participate in cross-asset routing and auto-bridging. So if Selig’s 24/7, tokenized and automated market actually grows, XRPL already has technology aimed directly at that environment. Now move to $XLM. Stellar may be one of the easiest networks to understand through Selig’s framework because it already has both assets and money moving onchain. By Q2 2026, tokenized RWAs on Stellar had crossed $3B. Stablecoin transfer volume reached $11.4B during Q2. And the network had more than 10.7M active accounts. Then BVNK integrated Stellar into its enterprise stablecoin infrastructure on September 22. BVNK processes roughly $39B in annualized payment volume and supports businesses across more than 130 countries. So right as the CFTC Chairman is talking about continuous onchain financial markets, Stellar is getting plugged deeper into enterprise stablecoin settlement. That feels extremely well timed. But the part I think people are going to discover later is Stellar’s agentic-finance positioning. The Stellar Development Foundation is a Premier member of the Linux Foundation’s x402 Foundation and holds a governing-board seat. Stellar supports x402. It also supports Machine Payments Protocol. That means an AI agent can use tokenized money or USDC to pay for data, an API, a service or another digital resource. Five-second-class settlement becomes very interesting when the payer is software. Humans sleep. Agents do not. Humans might make a handful of financial transactions during a day. Software could eventually make hundreds, thousands or millions of tiny economic decisions continuously. Every one of those transactions creates network activity. And XLM still sits underneath Stellar’s operation. Transaction fees are paid in XLM. Account reserves require XLM. Smart-contract rent and network resources use XLM. So an enterprise can think entirely in dollars. An AI agent can think in USDC. The ledger still operates with XLM beneath the surface. Then you get to $HBAR, and Selig’s language becomes almost eerie. Mass tokenization? Archax has more than 100 tokenized assets tied to its Hedera infrastructure, six asset managers onboarded and more than $300M tokenized in the context. Real-time collateral mobility? Lloyds Banking Group and Aberdeen already used tokenized money-market-fund units and UK gilts around regulated FX activity through Hedera-connected infrastructure. 24/7 markets? Archax tokenized the Canary HBAR ETF on Hedera and executed an onchain transaction on Thanksgiving Day 2025, when conventional U.S. markets were closed. Programmable finance? Archax and Hedera launched tokenized securities capable of distributing interest payments in USDC at near-second-by-second intervals directly into investor wallets. Agentic finance? Hedera integrated x402. Its implementation supports HBAR and USDC payments. Hedera also has Agent Kit and Agent Lab, giving developers infrastructure for transaction-capable autonomous agents. Then Accenture joined the Hedera Council around trusted infrastructure for enterprise AI and the agentic economy. So when Michael Selig says regulators are preparing for markets increasingly run through algorithms and agentic finance, Hedera already has developers building machines that can transact on its network. And HBAR has a very clean economic role. Every Hedera application transaction ultimately pays a network fee in HBAR. HBAR also secures consensus through staking. So an investor could own a tokenized security. Receive USDC cash flows. An AI agent could make payments. A business could transfer stablecoins. A collateral position could move. The user may never touch HBAR directly. The network still uses it. That model is important. People keep asking whether stablecoins compete with utility coins. In these systems, stablecoins can actually create more network activity. More RLUSD on XRPL can create more XRPL settlement. More USDC on Stellar can create more Stellar activity. More USDC on Hedera can create more Hedera transactions. The stablecoin is the money. The native asset powers part of the infrastructure moving that money. Now connect all of this with the SEC. Its September 17 exemption allows qualifying venues to experiment with tokenized U.S.-listed stocks using permissioned AMM pools whose smart contracts are public and deployed on public, permissionless distributed ledgers. Hester Peirce said the exemption is preparing market participants for a future where tokenized stock trading onchain becomes commonplace. So you have the SEC preparing securities markets for onchain trading. The CFTC preparing commodity and derivatives regulation around mass tokenization, continuous markets and AI. And three assets already explicitly sitting in the digital-commodity taxonomy: XRP. XLM. HBAR. This is where my conviction comes from. Picture what the financial stack could eventually contain: tokenized Apple shares, tokenized Nvidia shares, tokenized ETFs, Treasury products, money-market funds, commercial paper, stablecoins, digital commodities, lending markets, collateral, AMMs, AI agents. All moving continuously. No Friday closing bell for the blockchain. No waiting until Monday morning to move collateral. No human required for every tiny transaction. The financial system becomes programmable. And these three networks are already preparing for that kind of activity. For XRP, I see a path from payments into a broader institutional liquidity, tokenization, collateral and agent-payment network. For XLM, I see stablecoin settlement, tokenized assets and machine payments beginning to converge. For HBAR, I see institutional tokenization, continuous collateral, stablecoin cash flows and machine commerce operating on one network. And each native asset has an actual network role. XRP handles fees, reserves and liquidity. XLM handles fees, reserves and smart-contract resources. HBAR handles fees and network security. That distinction matters immensely to me. These are not coins being randomly attached to a tokenization headline. Their networks are already trying to do the exact jobs a tokenized financial system needs. And the regulator responsible for enormous parts of U.S. derivatives markets is now publicly saying the market itself is changing into something more onchain, continuous, automated and tokenized. A few years ago, people holding utility coins had to explain why finance might ever move onto public blockchain infrastructure. Now regulators are preparing rules for that environment. That is a massive change in the conversation. And if tokenized securities, stablecoins, collateral and autonomous agents really begin operating around the clock, I believe the market eventually has to look at $XRP $XLM $HBAR through a much bigger lens than it does today. Does this finally wake you up?

X Finance Bull

84,849 görüntüleme • 10 gün önce

Everyone talks about how Web3 will change the world. But the truth is: if you can’t make it work with the systems that already run the world TODAY, it doesn’t matter. Sometimes it feels like we "own" the Multiversᕽ blockchain. Not because we control it, but because every time we start researching a new module or flow, a new chain upgrade lands at the right moment, unlocking the exact functionality we need to build that idea. At Vero, we believe blockchain should stay invisible to the user. The real magic happens when it works silently in the background, even with old Web2 hardware, the kind that’s still required by law. In Romania, for example, every onsite sale needs a fiscal receipt. No exceptions. At the start of the year, we built a way for each point of sale to issue blockchain-connected fiscal receipts. But that meant one printer per station: expensive, inefficient, hard to scale. Now, after months of working, we’ve fixed that. Multiple POS stations, all connected to Web3, can now print on a single fiscal printer. Each receipt includes a unique station ID, a transaction hash, and is fully compliant with tax regulations. And we didn't stop there. We also built a full merchant module that handles both card and cash payments. VeroPay is now running as a SaaS infrastructure for any merchant, in any industry. With the latest MultiversX chain upgrades, this module is 100% live on mainnet. This is what we focus on at VeroPay: Not building DeFi tools that maybe 1% of Web3 users will ever try, but making sure blockchain works today, with the infrastructure that 99% of businesses already use. Maybe in 5 to 10 years everything will be on-chain, and that future is coming. But until then, the winning move is connecting invisible Web3 to the regulated Web2 systems already in place. That’s where real adoption begins. PS: Next up, we're working on a flow to export reports from explorer directly into major bookkeeping software format 👀
0:33

Everyone talks about how Web3 will change the world. But the truth is: if you can’t make it work with the systems that already run the world TODAY, it doesn’t matter. Sometimes it feels like we "own" the Multiversᕽ blockchain. Not because we control it, but because every time we start researching a new module or flow, a new chain upgrade lands at the right moment, unlocking the exact functionality we need to build that idea. At Vero, we believe blockchain should stay invisible to the user. The real magic happens when it works silently in the background, even with old Web2 hardware, the kind that’s still required by law. In Romania, for example, every onsite sale needs a fiscal receipt. No exceptions. At the start of the year, we built a way for each point of sale to issue blockchain-connected fiscal receipts. But that meant one printer per station: expensive, inefficient, hard to scale. Now, after months of working, we’ve fixed that. Multiple POS stations, all connected to Web3, can now print on a single fiscal printer. Each receipt includes a unique station ID, a transaction hash, and is fully compliant with tax regulations. And we didn't stop there. We also built a full merchant module that handles both card and cash payments. VeroPay is now running as a SaaS infrastructure for any merchant, in any industry. With the latest MultiversX chain upgrades, this module is 100% live on mainnet. This is what we focus on at VeroPay: Not building DeFi tools that maybe 1% of Web3 users will ever try, but making sure blockchain works today, with the infrastructure that 99% of businesses already use. Maybe in 5 to 10 years everything will be on-chain, and that future is coming. But until then, the winning move is connecting invisible Web3 to the regulated Web2 systems already in place. That’s where real adoption begins. PS: Next up, we're working on a flow to export reports from explorer directly into major bookkeeping software format 👀

VeroPay

22,374 görüntüleme • 1 yıl önce

A big day for Cleo today... we're announcing three major updates: 1. We just launched Autopilot. Your money now drives itself. It's Cleo rebuilt for action, not just answers. Autopilot is autonomous financial intelligence that learns your patterns, predicts what's coming, and acts in real time. It handles the micro-decisions that drain your mental energy and transforms them into effortless wins. Here's how it works: - Roadmap: Cleo builds a custom plan based on your full financial picture and long-term goals. - Daily Plan: She keeps you on track with guidance that updates daily and adapts as life changes. - Actions: Today, Cleo recommends the next best moves to keep you progressing. Tomorrow, she'll take them for you. 2. We're launching back in the UK as of today. We left six years ago to win the most competitive consumer market in the world. We did. Now we're serving millions of users every week, with clear number-one positioning as the AI agent for finance. It's time to turn our focus back to what we set out to do almost 10 years ago - to become the most trusted and loved relationship in financial services for a billion people. We're thrilled to be home. Investing here, creating thousands more jobs, and building a product people love. This is the first step of many on our journey of international expansion. 3. And one more: we hit $350M ARR - ~2x YoY growth - while maintaining a firm grasp on profitability. The business is flying and we're hiring like crazy. Come build the future of money with us.
0:53

A big day for Cleo today... we're announcing three major updates: 1. We just launched Autopilot. Your money now drives itself. It's Cleo rebuilt for action, not just answers. Autopilot is autonomous financial intelligence that learns your patterns, predicts what's coming, and acts in real time. It handles the micro-decisions that drain your mental energy and transforms them into effortless wins. Here's how it works: - Roadmap: Cleo builds a custom plan based on your full financial picture and long-term goals. - Daily Plan: She keeps you on track with guidance that updates daily and adapts as life changes. - Actions: Today, Cleo recommends the next best moves to keep you progressing. Tomorrow, she'll take them for you. 2. We're launching back in the UK as of today. We left six years ago to win the most competitive consumer market in the world. We did. Now we're serving millions of users every week, with clear number-one positioning as the AI agent for finance. It's time to turn our focus back to what we set out to do almost 10 years ago - to become the most trusted and loved relationship in financial services for a billion people. We're thrilled to be home. Investing here, creating thousands more jobs, and building a product people love. This is the first step of many on our journey of international expansion. 3. And one more: we hit $350M ARR - ~2x YoY growth - while maintaining a firm grasp on profitability. The business is flying and we're hiring like crazy. Come build the future of money with us.

Barney Hussey-Yeo

592,412 görüntüleme • 8 ay önce

chatgpt has 800 million weekly active users and it just became one of the biggest software distribution platform in history. i went on my first million to break down the wealth creation moment of chatgpt apps. for the first time, discovery, intent, and transaction all happen in the same place. when someone needs to solve a problem, they open chatgpt, describe what they want, and the right app surfaces instantly. there is no searching, downloading, or sign-up flow. the opportunity is to build apps that meet users at that exact moment of intent. apps that quietly appear when someone needs help filing taxes, finding a doctor, repairing credit, or pulling a business document. note: LCA has announced we are building chatgpt apps, go to the website if you're a band doing $5M+ in revenue looking for an app. this is the new playbook for building chatgpt apps. build for intent by starting with the questions people already ask every day: help me, find me, do this for me. these are high-signal, high-conversion moments that don’t require advertising. connect to the real data users care about through the model context protocol. banking, healthcare, government filings, and crm systems all open up as inputs for automation. your app earns trust when it can act on real information instead of generating text. use openai’s sdk ui to make each workflow tangible. give people sliders to explore cost scenarios, maps for discovery, calculators for quick answers, and checklists for next steps. each interaction should feel like a single focused experience, not a mini website. monetize through action. the right chatgpt app earns the second it’s used, not through long funnels or paywalls. charge small transaction fees, take affiliate revenue from connected services, or add light subscriptions for repeat users. in this MFM pod i gave away 3+ startups ideas to get your creative juices flowing. thanks to Sam Parr for having me on and nerding out with me. history’s repeating itself. first websites, then mobile apps, now chatgpt apps. early builders always win.
19:11

chatgpt has 800 million weekly active users and it just became one of the biggest software distribution platform in history. i went on my first million to break down the wealth creation moment of chatgpt apps. for the first time, discovery, intent, and transaction all happen in the same place. when someone needs to solve a problem, they open chatgpt, describe what they want, and the right app surfaces instantly. there is no searching, downloading, or sign-up flow. the opportunity is to build apps that meet users at that exact moment of intent. apps that quietly appear when someone needs help filing taxes, finding a doctor, repairing credit, or pulling a business document. note: LCA has announced we are building chatgpt apps, go to the website if you're a band doing $5M+ in revenue looking for an app. this is the new playbook for building chatgpt apps. build for intent by starting with the questions people already ask every day: help me, find me, do this for me. these are high-signal, high-conversion moments that don’t require advertising. connect to the real data users care about through the model context protocol. banking, healthcare, government filings, and crm systems all open up as inputs for automation. your app earns trust when it can act on real information instead of generating text. use openai’s sdk ui to make each workflow tangible. give people sliders to explore cost scenarios, maps for discovery, calculators for quick answers, and checklists for next steps. each interaction should feel like a single focused experience, not a mini website. monetize through action. the right chatgpt app earns the second it’s used, not through long funnels or paywalls. charge small transaction fees, take affiliate revenue from connected services, or add light subscriptions for repeat users. in this MFM pod i gave away 3+ startups ideas to get your creative juices flowing. thanks to Sam Parr for having me on and nerding out with me. history’s repeating itself. first websites, then mobile apps, now chatgpt apps. early builders always win.

GREG ISENBERG

66,488 görüntüleme • 11 ay önce

What started as an event, became a series of events, it became a movement. Long before the events, Islanddao has been around since the early days of the Solana ecosystem. A group of power users. A Service DAO. A Network State. A movement. 🏝️ With just three events in little more than a year, Islanddao has already cemented itself as one of the most prominent irl events and communities for builders. It's only natural we're expanding. New leaders emerge, new destinations, new tech. 2026 will be our most expansive year yet, with (at least) two destinations: - Koh Samui, Thailand, 03-28 June 2026 🇹🇭 - Florianópolis, Brazil, October 2026 🇧🇷 Superteam Brasil will be leading the charge in Brazil and we are excited to pass the baton and grow. Together. Two months of connecting, shipping, coordinating and putting amazing blockchain tech to actual use. The NFT, the mobile app and more. Scaling Keeping IslandDAO for the future The Islanddao model has always been about hosting, empowering, connecting the best builders and founders in exceptional venues and locations all around the world, while expanding the movement to more and more countries. We’re thankful about our incredible sponsors who’ve been supporting us over the years but in order to make Islanddaos sustainable, starting from v4, a paid ticket will be required in order to attend. To ensure we can continue expanding to more countries and providing the world-class experience you’ve come to expect, we are evolving our model. Starting with Islanddao v4 in Thailand, we are introducing a ticketed entry 🎟️ This isn't just a fee; it’s an investment in the community. Each ticket covers a week of access to the event: Five days in our premium co-working house, plus an exclusive weekend adventure. Ticket sales for IslandDAO v4 Thailand are now live, and we’re doing things differently. 🇹🇭 Islanddao isn't just a physical location. It’s a digital ecosystem. At the heart of our hackerhouse is the Islanddao PERKS collection. We’ve re-invented the NFT experience through our custom app, turning your onchain identity into the "operating system" for your time at the event. Your PERK NFT is not just a collectible; it is essential infrastructure. It's your power to shape Islanddao! Run the event onchain Vote on house decisions and influence the event’s direction, including Launchathons and Hackathon participation and collective decision-making. House Interactions Your PERK is your key to the physical world—from entering trading competitions and signing up for workshops to completing location-based missions that trigger in-app rewards and surprises. Here is how the v4 ticketing system works: The Ticket & The NFT Every IslandDAO ticket is anchored to an NFT. This isn't just a digital collectible—it is the essential infrastructure that grants you access to all our on-chain events and the co-working house. For the IslandDAO Family: If you already hold a PERK NFT, our app makes it seamless to attach your ticket to your existing on-chain identity. For New Builders: Your journey starts by joining the wider IslandDAO family. Before securing your ticket, you’ll need to acquire an NFT from our PERKS collection. This NFT is your essential onchain identity—once you have it, you're ready to purchase your ticket and unlock the full hackerhouse experience. The Ultimate Perk: Free VIP Access The "All 12 animals” legend is real. We reward our most dedicated collectors who have powered this movement from the start: Hold all 12 animals from the Perks collection? You are eligible for a VIP Pass. This grants you full access to the entire event for free. Ready to ship in Thailand? Whether you are a long-time holder or joining us for the first time, your journey starts on-chain. Secure your spot for the week(s) you want to attend and experience the future of blockchain-integrated living.
0:48

What started as an event, became a series of events, it became a movement. Long before the events, Islanddao has been around since the early days of the Solana ecosystem. A group of power users. A Service DAO. A Network State. A movement. 🏝️ With just three events in little more than a year, Islanddao has already cemented itself as one of the most prominent irl events and communities for builders. It's only natural we're expanding. New leaders emerge, new destinations, new tech. 2026 will be our most expansive year yet, with (at least) two destinations: - Koh Samui, Thailand, 03-28 June 2026 🇹🇭 - Florianópolis, Brazil, October 2026 🇧🇷 Superteam Brasil will be leading the charge in Brazil and we are excited to pass the baton and grow. Together. Two months of connecting, shipping, coordinating and putting amazing blockchain tech to actual use. The NFT, the mobile app and more. Scaling Keeping IslandDAO for the future The Islanddao model has always been about hosting, empowering, connecting the best builders and founders in exceptional venues and locations all around the world, while expanding the movement to more and more countries. We’re thankful about our incredible sponsors who’ve been supporting us over the years but in order to make Islanddaos sustainable, starting from v4, a paid ticket will be required in order to attend. To ensure we can continue expanding to more countries and providing the world-class experience you’ve come to expect, we are evolving our model. Starting with Islanddao v4 in Thailand, we are introducing a ticketed entry 🎟️ This isn't just a fee; it’s an investment in the community. Each ticket covers a week of access to the event: Five days in our premium co-working house, plus an exclusive weekend adventure. Ticket sales for IslandDAO v4 Thailand are now live, and we’re doing things differently. 🇹🇭 Islanddao isn't just a physical location. It’s a digital ecosystem. At the heart of our hackerhouse is the Islanddao PERKS collection. We’ve re-invented the NFT experience through our custom app, turning your onchain identity into the "operating system" for your time at the event. Your PERK NFT is not just a collectible; it is essential infrastructure. It's your power to shape Islanddao! Run the event onchain Vote on house decisions and influence the event’s direction, including Launchathons and Hackathon participation and collective decision-making. House Interactions Your PERK is your key to the physical world—from entering trading competitions and signing up for workshops to completing location-based missions that trigger in-app rewards and surprises. Here is how the v4 ticketing system works: The Ticket & The NFT Every IslandDAO ticket is anchored to an NFT. This isn't just a digital collectible—it is the essential infrastructure that grants you access to all our on-chain events and the co-working house. For the IslandDAO Family: If you already hold a PERK NFT, our app makes it seamless to attach your ticket to your existing on-chain identity. For New Builders: Your journey starts by joining the wider IslandDAO family. Before securing your ticket, you’ll need to acquire an NFT from our PERKS collection. This NFT is your essential onchain identity—once you have it, you're ready to purchase your ticket and unlock the full hackerhouse experience. The Ultimate Perk: Free VIP Access The "All 12 animals” legend is real. We reward our most dedicated collectors who have powered this movement from the start: Hold all 12 animals from the Perks collection? You are eligible for a VIP Pass. This grants you full access to the entire event for free. Ready to ship in Thailand? Whether you are a long-time holder or joining us for the first time, your journey starts on-chain. Secure your spot for the week(s) you want to attend and experience the future of blockchain-integrated living.

IslandDAO 🏝️

45,600 görüntüleme • 5 ay önce

Today Meesho became a public company. Congratulations to Vidit Vidit Aatrey, Sanjeev Sanjeev Barnwal and the entire Meesho team on building one of the most mission-driven companies India has produced in the last decade. We at Elevation Capital Elevation Capital feel privileged to have been partners since 2017. Back then, it took us 1.5 years and multiple meetings before we finally partnered, and watching what's unfolded since then has been nothing short of remarkable. Last week, Vidit and I went back to Cafe Noir @ UB City where, in June 2017, we had decided to partner. Same place, same table. We hadn’t returned together in eight years. And sitting there, it felt like time folded in on itself. That day in 2017, Vidit cancelled another investor meeting to meet me. I’ve always remembered that as a small but decisive moment. What I learned only last week was that he thought the other fund was more likely to convert. And still, he chose to meet me. I can’t thank him enough for that decision - because it led to one of the most defining partnerships of my career and one of the most fulfilling relationships of my life! Sitting there, we ended up reminiscing about the whole arc: the early days with very little runway; the brutal months in 2016-17 that forged the culture; the courage to pivot from reseller-first to consumer-first; and the conviction to go zero commission when many people thought it was impossible. From those early conversations to today: 200 million+ customers, 500k+ sellers, and 100k+ livelihoods created through Valmo. Meesho has truly democratized e-commerce in India. And beyond the numbers, what has stood out for me the most is the character of the journey: deep customer obsession, the courage to make non-consensus decisions, and stellar execution to back them - again and again. Watching Vidit and Sanjeev has been a masterclass. Vidit's rare combination of super long term thinking and operational depth, seeing clearly where the world is heading, and having the conviction to act; Sanjeev’s quiet excellence and the stellar engineering team and culture he’s built - one that so many teams in India now look up to. And through it all, both staying humble and grounded. As they remind us, this is just chapter one. The e-commerce market in India is still in its early days and the mission is just getting started! I couldn't be more excited about what comes next. Congratulations once again to the exceptional team that has delivered on super auditious goals time and time again - Dhiresh, Roopa, Debdoot, Milan, Prasanna, Megha, Siddharth, Ashish, Sourabh, Steffie, Harshit, Prateek, Kirti, Jatin, UK. And thank you for the partnership. It has been a privilege! Penned down my reflections on the journey here:
6:13

Today Meesho became a public company. Congratulations to Vidit Vidit Aatrey, Sanjeev Sanjeev Barnwal and the entire Meesho team on building one of the most mission-driven companies India has produced in the last decade. We at Elevation Capital Elevation Capital feel privileged to have been partners since 2017. Back then, it took us 1.5 years and multiple meetings before we finally partnered, and watching what's unfolded since then has been nothing short of remarkable. Last week, Vidit and I went back to Cafe Noir @ UB City where, in June 2017, we had decided to partner. Same place, same table. We hadn’t returned together in eight years. And sitting there, it felt like time folded in on itself. That day in 2017, Vidit cancelled another investor meeting to meet me. I’ve always remembered that as a small but decisive moment. What I learned only last week was that he thought the other fund was more likely to convert. And still, he chose to meet me. I can’t thank him enough for that decision - because it led to one of the most defining partnerships of my career and one of the most fulfilling relationships of my life! Sitting there, we ended up reminiscing about the whole arc: the early days with very little runway; the brutal months in 2016-17 that forged the culture; the courage to pivot from reseller-first to consumer-first; and the conviction to go zero commission when many people thought it was impossible. From those early conversations to today: 200 million+ customers, 500k+ sellers, and 100k+ livelihoods created through Valmo. Meesho has truly democratized e-commerce in India. And beyond the numbers, what has stood out for me the most is the character of the journey: deep customer obsession, the courage to make non-consensus decisions, and stellar execution to back them - again and again. Watching Vidit and Sanjeev has been a masterclass. Vidit's rare combination of super long term thinking and operational depth, seeing clearly where the world is heading, and having the conviction to act; Sanjeev’s quiet excellence and the stellar engineering team and culture he’s built - one that so many teams in India now look up to. And through it all, both staying humble and grounded. As they remind us, this is just chapter one. The e-commerce market in India is still in its early days and the mission is just getting started! I couldn't be more excited about what comes next. Congratulations once again to the exceptional team that has delivered on super auditious goals time and time again - Dhiresh, Roopa, Debdoot, Milan, Prasanna, Megha, Siddharth, Ashish, Sourabh, Steffie, Harshit, Prateek, Kirti, Jatin, UK. And thank you for the partnership. It has been a privilege! Penned down my reflections on the journey here:

Mukul Arora

39,276 görüntüleme • 9 ay önce