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[@jevgenijs](/creator/twitter/jevgenijs)
"Circles $CRCL IPO will go down in the history books. Priced at $XX a share at the IPO the stock briefly touched $XXX before settling just under $XXX. And yet all I hear are bear cases with most of them centered around interest rates falling and Circle paying half of its revenue to Coinbase $COIN for the distribution of USDC. No one is standing up for Circle despite USDCs central role in finally pushing financial infrastructure onchain. I figured its time to share my bull case. Follow the link in the reply to read my @twifintech write-up Why eveyone is wrong about Circle 👇🏻"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1945069812679406022) 2025-07-15 10:35:55 UTC 10.8K followers, 7543 engagements


"Thinking about the next @PopularFintech topic. This year I wrote about: ✔ Visa $V ✔ Capital One $COF ✔ Amex $AXP ✔ PayPal $PYPL ✔ Block $SQ ✔ Adyen $ADYEN ✔ Fiserv $FI ✔ Marqeta $MQ ✔ Affirm $AFRM ✔ Klarna $KLAR ✔ Wise $WISE.L ✔ Shift4 $FOUR ✔ Nubank $NU ✔ Mercado Libre $MELI ✔ Shopify $SHOP ✔ Toast $TOST ✔ Robinhood $HOOD Considering writing about Sea $SE and $GRAB but these are totally new companies for me so will take time. What would you like to read about"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1934347557351936472) 2025-06-15 20:29:30 UTC 10.8K followers, 4250 engagements


"Dimon apparently tasked Barnum to calculate how big JPMorgan $JPM would be if it compounded at XX% for XX years 😂"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946543572804673900) 2025-07-19 12:12:07 UTC 10.8K followers, 5304 engagements


"Wow Max Levchin was an investor in Wises $WISE.L seed round. Didnt know that"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1919317461775609903) 2025-05-05 09:05:16 UTC 10.8K followers, 2694 engagements


"I am now a proud owner of XX Global Dollars $USDG Ironically @CoinbaseWallet was the only place where I could buy them 🤷🏻♂"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1940136477058617498) 2025-07-01 19:52:36 UTC 10.8K followers, 6171 engagements


"Sorry for a lame question but would Tether meet the requirements of the GENIUS Act"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1944477028935479543) 2025-07-13 19:20:24 UTC 10.8K followers, 3654 engagements


"@CoinbaseDuck @bankrbot @MLeeJr @CodinCowboy Now I really need to understand how this works😂 There are wallets associated with X users and transactions from those wallets can only be initiated by respective users"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1935787490423509198) 2025-06-19 19:51:17 UTC 10.8K followers, 3521 engagements


"One aspect I dont see discussed enough in the "stablecoins vs. Visa" debate is cross-border payments. There is a reason why Visa $V reports cross-border payments as a Key Business Driver in its earnings reports. ✔ If I use my card (issued by a bank in Estonia) in say the U.S. Visa has to move money from my bank in Estonia to the merchant's bank in the U.S. to settle this transaction ✔ This involves using various payment rails and correspondent banks. Hence cross-border payments have a surcharge (e.g. a XXX% extra charge for international cards) ✔ Stablecoins are global. My"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1942252338116166078) 2025-07-07 16:00:17 UTC 10.8K followers, 13.4K engagements


"Should Circle $CRCL attempt to acquire Paxos This would greatly diversify its offering ($PYUSD $USDG) and client base (Robinhood PayPal)"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1941833461448273962) 2025-07-06 12:15:49 UTC 10.8K followers, 4236 engagements


"JPMorgan $JPM Q2 2025 earnings call: - What's holding up you guys and the other banks getting together to issue something joint similar to what you've done with Zelle and prevent these stablecoin companies like Circle $CRCL coming in and offering a more convenient solution to your customers - That's a great question. And we'll leave the remain as a question"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946530025001648446) 2025-07-19 11:18:17 UTC 10.8K followers, 3311 engagements


"Jamie Dimon JPMorgan $JPM Q2 2025 earnings call: I don't like buying back the stock at almost 3x tangible book. No one is going to convince me that's a brilliant thing to do"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946541621291753811) 2025-07-19 12:04:22 UTC 10.8K followers, 1252 engagements


"And the wait is over JPMorgan $JPM will kick off the Q2 2025 earnings season next week🙌🏻"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1943808892594794659) 2025-07-11 23:05:28 UTC 10.8K followers, 1092 engagements


"It started with a game Sea didnt start as a Fintech but it sure became one I continue to explore companies that arent traditionally seen as Fintechs but have quietly built sizeable Fintech businesses along the way. This week its Sea Limited $SE. Headquartered in Singapore Sea operates three major platforms across Southeast Asia: Garena (gaming) Shopee (e-commerce) and Monee (financial services). Sea started as a gaming company and used profits from Garena to fund its push into commerce and financial services. The result One of the largest e-commerce platforms in Southeast Asia and one of the"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1939355754026131505) 2025-06-29 16:10:17 UTC 10.8K followers, 10.3K engagements


"Just realized one thing: stablecoins will make Open Banking irrelevant. Blockchains are open for developers by default Open Banking APIs are still hardly usable"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1942288255942004808) 2025-07-07 18:23:00 UTC 10.8K followers, 18.1K engagements


"I keep wondering why Cash App $XYZ hasnt launched Bitcoin lending yet. It could be seamlessly integrated into both Afterpay and Cash App Pay"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946511354371678558) 2025-07-19 10:04:05 UTC 10.8K followers, 4041 engagements


"Cmon $COIN lets do $XXX $XXX and $100🙌🏻"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1945125580988444855) 2025-07-15 14:17:31 UTC 10.8K followers, 4890 engagements


"Kudos to Coinbase $COIN and Circle $CRCL for reviving the vision of rebuilding the payments infrastructure onchain"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946480644579627383) 2025-07-19 08:02:04 UTC 10.8K followers, 5385 engagements


"Toast eyes the throne Inside Toasts push to unseat the POS giants In December 2015 Bessemer Venture Partners wrote a $XXXX million check to a company selling restaurant point of sale software. The company was going after the incumbents Micros and NCR each controlling roughly XX% market share. At the time the funding round valued it at $XXX million. That company was Toast $TOST. A decade later Toast is a public company with a market cap of over $XX billion butthe same incumbents still dominate the market. Toast is expanding internationally and pursuing new customer segments and I believe"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1918933492999520753) 2025-05-04 07:39:31 UTC 10.8K followers, 4521 engagements


"Ill add my two cents: ✔ Visa $V has a market cap of $XXX billion ✔ The largest Fintech company built on top of Visas rails Fiserv $FI has a market cap of $XX billion"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1944692620527309080) 2025-07-14 09:37:06 UTC 10.8K followers, 2586 engagements


"Jamie Dimon JPMorgan $JPM Q2 2025 earnings call: Fintech guys are very smart. They're trying to figure out a way to create bank accounts and get into payment systems and rewards programs. We have to be cognizant of that. Way to be cognizant is to be involved. So we're going to be in it and learning a lot and player"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1945126685189226906) 2025-07-15 14:21:55 UTC 10.8K followers, 9149 engagements


"Big earnings day $COIN $HOOD $RELY $GPN $WLN.PA"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1851577877034078336) 2024-10-30 10:52:21 UTC 10.8K followers, 1345 engagements


"Jeremy Barnum JPMorgan $JPM Q2 2025 earnings call: it is a big amount of excess capital and that does mean that everything is on the table as it always is and that includes potentially inorganic things"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946526568374780098) 2025-07-19 11:04:33 UTC 10.8K followers, XXX engagements


"A crazy busy Thursday this week. The following Fintech companies will report their Q1 2025 results: ✔ Coinbase $COIN ✔ Affirm $AFRM ✔ Toast $TOST ✔ Shopify $SHOP ✔ Bill $BILL ✔ Stone $STNE ✔ NCR Voyix $VYX ✔ Dave $DAVE ✔ Nexi $NEXI.MI ✔ PAR $PAR ✔ Blend $BLND"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1920000078397276390) 2025-05-07 06:17:45 UTC 10.8K followers, 2901 engagements


"I wonder how many engineers working at banks dream of nuking their legacy systems and rebuilding everything from scratch. Probably millions of talented people just waiting for the green light"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1945602625941991764) 2025-07-16 21:53:08 UTC 10.8K followers, 3459 engagements


"So far this year Ive written about: ✔ Visa (x2) $V ✔ PayPal (x2) $PYPL ✔ Block $SQ ✔ Affirm $AFRM ✔ Klarna $KLAR ✔ Wise $WISE.L ✔ Shift4 $FOUR ✔ Nubank $NU ✔ Capital One $COF ✔ Amex $AXP ✔ Robinhood $HOOD Which company should I write about next"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1911446706861842817) 2025-04-13 15:49:42 UTC 10.8K followers, 15.4K engagements


"Circle $CRCL will host its first earnings call on August XX 👇🏻"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946295700276335079) 2025-07-18 19:47:10 UTC 10.8K followers, 2180 engagements


"Time to wrap up my expedition into the thrilling world of e-commerce (links to my Shopify $SHOP Mercado Libre $MELI Sea $SE and Coupang $CPNG write-ups in replies). I had a blast learned a ton and came to the humbling realization that I might be the only one who cared 😂 What should I write about next"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1942118033163469125) 2025-07-07 07:06:36 UTC 10.8K followers, 1427 engagements


"Has anyone already built a loyalty program for merchants accepting USDC ✔ Someone pays a merchant with USDC ✔ The merchant mints a loyalty coin and sends it to the customer ✔ Loyalty coins are transferable and tradeable loyalty cards become a thing of the past"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1942630560171712818) 2025-07-08 17:03:12 UTC 10.8K followers, 89.2K engagements


"Does anyone know Coupang's $CPNG take rate on "third-party merchant services" Trying to estimate GMV (which they don't disclose)"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1941436323627426054) 2025-07-05 09:57:44 UTC 10.8K followers, 3987 engagements


"Coupang $CPNG does not disclose GMV. I've found 2024 estimates of $42-45 billion which suggests a 25-30% take rate on third-party sales. Now look how Coupang's GMV compares to Mercado Libre $MELI and $SE (keeping in mind that the population of South Korea is 51M while the population of Latin America and Southeast Asia is 660M and 690M respectively) 👇🏻"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1941446553899602110) 2025-07-05 10:38:23 UTC 10.8K followers, 3830 engagements


"Chime $CHYM will host its first earnings call on August X 👇🏻"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946296527044960451) 2025-07-18 19:50:27 UTC 10.8K followers, 2105 engagements


"I dont understand the lack of demand for $EURC 🤷🏻♂ Is it the limited use of EUR in the crypto ecosystem Trading lending etc. Or the limited use of EUR outside of Europe"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1941414732516426035) 2025-07-05 08:31:56 UTC 10.8K followers, 1445 engagements


"Jane Fraser Citi $C Q2 2025 earnings call: We are looking at the issuance of a Citi stablecoin 👇🏻"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1945157848817672550) 2025-07-15 16:25:45 UTC 10.8K followers, 2675 engagements


"How Coupang missed the Fintech opportunity It won in e-commerce but lost the wallet war Coupang $CPNG the Amazon of South Korea controls close to XX% of the countrys e-commerce market and serves almost half the population. Even with its dominant position Coupang continues to grow with analysts projecting $XX billion in revenue by 2027. That made me think Coupang must have a strong Fintech arm just like Mercado Libre $MELI with Mercado Pago or Sea $SE with Shopee. But I was wrong. Coupangs Fintech business is limited to a wallet Coupang Pay and a co-branded credit card WOW card. Limited"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1941914607418810528) 2025-07-06 17:38:16 UTC 10.8K followers, 6025 engagements


"JPMorgan folks were clearly in a good mood"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1946543751494500367) 2025-07-19 12:12:50 UTC 10.8K followers, XXX engagements


"Does anyone follow Coupang $CPNG It doesn't seem like Fintech is a big business for them. Fintech is reported under the "Developing Offerings" segment ($3.6 billion in revenue in 2024) which also includes Coupang's operation in Taiwan Coupang Eats Coupang Play and Farfetch. Farfetch alone contributed $XXX billion). From 10-K: "Revenues from Developing Offerings are primarily generated from our global luxury fashion marketplace online restaurant ordering and delivery services in Korea and retail operations in Taiwan.""  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1939803173499326503) 2025-06-30 21:48:11 UTC 10.8K followers, 1746 engagements


"Oh wow $WISE.L Operating as a universal bank in XX Central and Eastern European markets Raiffeisen Bank International will roll out Wise Platforms industry-leading solution across its network to enable fast secure low-cost and transparent cross-border payments for customers in the region"  
![@jevgenijs Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::17462822.png) [@jevgenijs](/creator/x/jevgenijs) on [X](/post/tweet/1922622622505849131) 2025-05-14 11:58:48 UTC 10.8K followers, 4252 engagements