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# ![@sytaylor Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::19651231.png) @sytaylor Simon Taylor

Simon Taylor posts on X about fintech, stablecoins, currencies, money the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::19651231/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::19651231/c:line/m:interactions.svg)

- X Week XXXXXX +18%
- X Month XXXXXXX +121%
- X Months XXXXXXXXX +48%
- X Year XXXXXXXXX -XXXX%

### Mentions: XX [#](/creator/twitter::19651231/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::19651231/c:line/m:posts_active.svg)

- X Week XX -XXXX%
- X Month XXX +84%
- X Months XXX +37%
- X Year XXX +56%

### Followers: XXXXXX [#](/creator/twitter::19651231/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::19651231/c:line/m:followers.svg)

- X Week XXXXXX +0.26%
- X Month XXXXXX +1.30%
- X Months XXXXXX +7.40%
- X Year XXXXXX +12%

### CreatorRank: XXXXXXX [#](/creator/twitter::19651231/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::19651231/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::19651231/influence)
---

**Social category influence**
[finance](/list/finance)  XXXXX% [stocks](/list/stocks)  XXXX% [countries](/list/countries)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [currencies](/list/currencies)  XXXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[fintech](/topic/fintech) #148, [stablecoins](/topic/stablecoins) #24, [currencies](/topic/currencies) #298, [money](/topic/money) 3.64%, [token](/topic/token) 3.64%, [prediction](/topic/prediction) #2441, [mexico](/topic/mexico) 3.64%, [fdic](/topic/fdic) #69, [$75bn](/topic/$75bn) #2, [finance](/topic/finance) XXXX%

**Top accounts mentioned or mentioned by**
[@roguecfpb](/creator/undefined) [@tokenizedpod](/creator/undefined) [@jevgenijs](/creator/undefined) [@campbelljaustin](/creator/undefined) [@alexstanzatan](/creator/undefined) [@beamcash](/creator/undefined) [@tempo](/creator/undefined) [@dadiomov](/creator/undefined) [@thedestinyman](/creator/undefined) [@jasuja](/creator/undefined) [@ribbitcapital](/creator/undefined) [@nubank](/creator/undefined) [@stablecoin](/creator/undefined) [@theeconomist](/creator/undefined) [@innerconcerns](/creator/undefined) [@harvey](/creator/undefined) [@claudeai](/creator/undefined) [@ft](/creator/undefined) [@jgarzik](/creator/undefined) [@mikulaja](/creator/undefined)

**Top assets mentioned**
[Robinhood Markets, Inc. (HOOD)](/topic/$hood) [Bank of America (BAC)](/topic/bank-of-america) [Goldman Sachs (GS)](/topic/goldman-sachs) [Ethereum (ETH)](/topic/ethereum) [Deutsche Bank Aktiengesellschaft (DB)](/topic/$db) [Morgan Stanley (MS)](/topic/morgan-stanley) [Bitcoin (BTC)](/topic/bitcoin)
### Top Social Posts [#](/creator/twitter::19651231/posts)
---
Top posts by engagements in the last XX hours

"Big day for Fintech x Stablecoins - Modern Treasury gives finance teams APIs to manage and move money - Beam Cash does that but with stablecoins This is a match made in heaven This makes a ton of sense for all involved"  
[X Link](https://x.com/sytaylor/status/1981014744099340447) [@sytaylor](/creator/x/sytaylor) 2025-10-22T15:08Z 61K followers, 15.3K engagements


"Know Your Agent (KYA) will be bigger than KYC. Verifying human identity is no longer enough: future regulation and commerce will require verifying machine identity as well"  
[X Link](https://x.com/sytaylor/status/1979802279718134166) [@sytaylor](/creator/x/sytaylor) 2025-10-19T06:50Z 61K followers, 18.1K engagements


"For the US this is a major shift. But compared to the rest of the world its' becoming increasingly normal for nonbanks to have some limited access to entral bank services"  
[X Link](https://x.com/sytaylor/status/1980643929780523261) [@sytaylor](/creator/x/sytaylor) 2025-10-21T14:34Z 61K followers, XXX engagements


"This is obviously going to get attention for the stablecoin issuers but short term the biggest beneficiaries will likely be fintech companies - Payments companies (e.g. Adyen Stripe Wise) - Neobanks (e.g. Chime Ramp Brex) They get better unit economics and more control"  
[X Link](https://x.com/sytaylor/status/1980643931542241511) [@sytaylor](/creator/x/sytaylor) 2025-10-21T14:34Z 61K followers, XXX engagements


"Wait It's not April Is this real What year is it"  
[X Link](https://x.com/sytaylor/status/1981692042008043967) [@sytaylor](/creator/x/sytaylor) 2025-10-24T11:59Z 61K followers, 2034 engagements


"The backstory everyone missed: January XX 2021 5:11 AM: DTCC hits Robinhood with a $XXX billion margin call in the memestock frenzy - Company had $XXX million of margin (short $X billion) - 5-hour deadline to find cash or face bankruptcy - Emergency fundraising + trading halts saved them"  
[X Link](https://x.com/sytaylor/status/1939772517587018101) [@sytaylor](/creator/x/sytaylor) 2025-06-30T19:46Z 61K followers, XXX engagements


"Guess what Fintech Nerds I got a new job. I'm joining Tempo the payments-focused L1 blockchain incubated by Stripe and Paradigm. Im moving to an advisor role with Sardine (💙)to focus on @tempo as my full-time day job. (And yes Ill still be doing BrainfoodNerdcon andTokenized. Because I love this stuff.) I covered my full rationale for joining in the Fintech Brainfood that just dropped"  
[X Link](https://x.com/sytaylor/status/1963634032723247371) [@sytaylor](/creator/x/sytaylor) 2025-09-04T16:03Z 61K followers, 72.8K engagements


"This means - Stablecoins are cheaper in exotic currencies - TradFi FX is much cheaper in G7 currencies - Somewhere in the middle cross-border treasury and remittances all use USD and stablecoins are a great way to do that. The banks HAD to react"  
[X Link](https://x.com/sytaylor/status/1977690379639214261) [@sytaylor](/creator/x/sytaylor) 2025-10-13T10:58Z 61K followers, XXX engagements


"New on Fintech Brainfood 🧠 Prediction Markets - We need to up level the debate. It's not one dimensional. Plus - The $300trn whoopsie - Everyone gets a charter - And why Brex + Oracle matters 👇"  
[X Link](https://x.com/sytaylor/status/1979898038794518911) [@sytaylor](/creator/x/sytaylor) 2025-10-19T13:10Z 61K followers, 7210 engagements


"Went and wrote my first X article It's the rant from this weeks brainfood"  
[X Link](https://x.com/sytaylor/status/1980266605859754205) [@sytaylor](/creator/x/sytaylor) 2025-10-20T13:35Z 61K followers, 6941 engagements


"@mikulaja X. Attracts Fed funding without having to pay X. Bigger win for fintech than crypto imo (think Wise etc)"  
[X Link](https://x.com/sytaylor/status/1980902982012330243) [@sytaylor](/creator/x/sytaylor) 2025-10-22T07:44Z 61K followers, XXX engagements


"I don't expect this to impact Wise's core payments flows. Wise moves more per day from the USA to Mexico than the entire stablecoin industry does. They'd break the infrastructure. But this is a recognition that customer demand is now high enough that its worth adding"  
[X Link](https://x.com/sytaylor/status/1981000767730487556) [@sytaylor](/creator/x/sytaylor) 2025-10-22T14:12Z 61K followers, XXX engagements


"Longer term though Stablecoins let Wise monetize the last mile. Historically recipients of remittances were not profitable; they just cashed out. If they receive stablecoins in a wallet other products can be wrapped around that. This is a major opportunity for companies like Wise"  
[X Link](https://x.com/sytaylor/status/1981000769735139812) [@sytaylor](/creator/x/sytaylor) 2025-10-22T14:12Z 61K followers, XXX engagements


"@dadiomov @beam_cash Huge congrats Excited to have the folks coming on @TokenizedPod this week too. Great timing. Wanna give us a soundbite"  
[X Link](https://x.com/sytaylor/status/1981013605912089019) [@sytaylor](/creator/x/sytaylor) 2025-10-22T15:03Z 61K followers, XXX engagements


"Everyone says we're in a bubble because they see a lot of CAPEX. But the evidence says we're actually not in an AI bubble. Because - The earnings are real - Most funding is from free cashflow Yet the banks and Davos elite all uniformly agree it's a bubble Which NEVER happens before a bubble. They tend to sell you the opposite of their trade"  
[X Link](https://x.com/sytaylor/status/1981054276689445189) [@sytaylor](/creator/x/sytaylor) 2025-10-22T17:45Z 61K followers, 4594 engagements


"If Tokenized Deposits never leave a bank (since they issued them) Does it matter what wallet that token sits in E.g. if a BNY token lives in a Citi wallet Wouldn't it still be FDIC insured and a liability of BNY"  
[X Link](https://x.com/sytaylor/status/1981089696726868391) [@sytaylor](/creator/x/sytaylor) 2025-10-22T20:06Z 61K followers, 4676 engagements


"@CampbellJAustin Aha. So it's that FDIC attachment policy that matters. Is that from a specific law"  
[X Link](https://x.com/sytaylor/status/1981248593425039854) [@sytaylor](/creator/x/sytaylor) 2025-10-23T06:37Z 61K followers, XXX engagements


"@RogueCfpb @AlexH_Johnson I'd love to see a bright line between predictions and betting. Like - FOMC rate decision = prediction - Sports result = a bet"  
[X Link](https://x.com/sytaylor/status/1981763483038335326) [@sytaylor](/creator/x/sytaylor) 2025-10-24T16:43Z 61K followers, XXX engagements


"The story: Santander Bank of America Barclays BNP Paribas Citi Deutsche Bank Goldman Sachs MUFG TD Bank and UBS announced They're jointly exploring a 1:1 reserve-backed stablecoin for G7 currencies This is ten systemically important banks saying: we're going to issue regulated digital money on Ethereum and other public chains"  
[X Link](https://x.com/sytaylor/status/1977690373058076997) [@sytaylor](/creator/x/sytaylor) 2025-10-13T10:58Z 61K followers, XXX engagements


"Nubank went from launching in Mexico in 2020 to XX million customers by mid-2025. Now they're applying for a US bank charter. Can they repeat the trick Most people see Nubank as a Brazil story. But Mexico is the untold storyand it reveals how they actually win. --- Here's what matters: - Monthly ARPAC: $XX (more mature cohorts at $25) - Cost to serve: $XXXX per customer - Customer acquisition cost: $5-6 (80% organic through word-of-mouth) - Activity rate: 83%+ - Efficiency ratio: sub-30% (vs 50%+ for traditional banks) Mexico specifically: - 10M customers as of Jan 2025 (12M by July) -"  
[X Link](https://x.com/sytaylor/status/1980263638905622773) [@sytaylor](/creator/x/sytaylor) 2025-10-20T13:23Z 61K followers, 9964 engagements


"Wow. Governor Waller of the the Federal Reserve directs its staff payment account a a skinny master account "beneficial for those focused primarily on payments innovations." These accounts would not get interest paid by the Fed"  
[X Link](https://x.com/sytaylor/status/1980643926420672753) [@sytaylor](/creator/x/sytaylor) 2025-10-21T14:34Z 61K followers, 7582 engagements


"Zelle is going global with stablecoins. Should you care Let me work through this. The consortium of US banks behind Zelle announced international expansion using stablecoin rails. CEO Cameron Fowler says regulatory clarity from the Genius Act lets them "innovate more quickly." Here's what they're NOT saying: Which stablecoin (theirs members' existing) Which foreign banks When Technical specifics Just: "future announcements coming." --- Bank consortiums have a terrible track record. Fnality (the utility settlement coin) was announced by XX major banks in 2019. Still not live at scale. Getting"  
[X Link](https://x.com/sytaylor/status/1981772188458828255) [@sytaylor](/creator/x/sytaylor) 2025-10-24T17:18Z 61K followers, 9202 engagements


"Monzo is preparing another private share sale with Morgan Stanley near a $6bn valuation. - Compare that to Revolut: $75bn on a secondary last week. - Same UK fintech market. 12x valuation gap. Why 🧵"  
[X Link](https://x.com/sytaylor/status/1981284851044274420) [@sytaylor](/creator/x/sytaylor) 2025-10-23T09:01Z 61K followers, 8346 engagements


"Monzo need to move faster on international expansion. They need to ship more products. They need to stop optimizing for being the nicest brand in fintech and start optimizing for market share. You can't nice-guy your way into a $75bn valuation"  
[X Link](https://x.com/sytaylor/status/1981284857830379633) [@sytaylor](/creator/x/sytaylor) 2025-10-23T09:01Z 61K followers, XXX engagements


"The secondary market is on fire right now because investors know these companies won't stay private forever. The IPO window will open. The question is whether you've built something that can command public market multiples. Monzo has the profitability the brand the product execution"  
[X Link](https://x.com/sytaylor/status/1981284859692622208) [@sytaylor](/creator/x/sytaylor) 2025-10-23T09:01Z 61K followers, XXX engagements


"Bitcoin and Eth are collateral now. As more buy side firms get into digital assets JPM is simply following their clients. But the shift is noteworthy BTC and ETH are increasingly becoming High Quality Liquid Assets"  
[X Link](https://x.com/sytaylor/status/1981694740077883739) [@sytaylor](/creator/x/sytaylor) 2025-10-24T12:10Z 61K followers, 2439 engagements


"10 Global Banks Unveil "Stablecoin" Alternative Plan for G7 Currencies. Here's why FX is going onchain. 👉 On public blockchains. The future isn't stablecoins vs deposit tokens It's stablecoins AND deposit tokens. Here's why"  
[X Link](https://x.com/sytaylor/status/1977690370596110453) [@sytaylor](/creator/x/sytaylor) 2025-10-13T10:58Z 61K followers, 5233 engagements


"Wow @Wise is getting into digital assets. Customers will be able to hold and use digital assets. Finally Wise is one of the biggest players in consumer SMB and institutional FX and remittance. However this is not Wise adopting stablecoins for cross-border"  
[X Link](https://x.com/sytaylor/status/1981000760969326801) [@sytaylor](/creator/x/sytaylor) 2025-10-22T14:12Z 61K followers, 15K engagements


"Stablecoins are not a consumer phenomenon B2B now dominates stablecoin payment flows Chart courtesy of @artemis"  
[X Link](https://x.com/sytaylor/status/1981768062270574733) [@sytaylor](/creator/x/sytaylor) 2025-10-24T17:01Z 61K followers, 17.6K engagements


"In X years having a head of stablecoins will be as common as a head of Comms or social"  
[X Link](https://x.com/sytaylor/status/1982140814919623108) [@sytaylor](/creator/x/sytaylor) 2025-10-25T17:42Z 61K followers, 9411 engagements