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[@sytaylor](/creator/twitter/sytaylor)
"Stablecoin native Treasury is the killer app for Fortune 500's going onchain. With one wallet they could have * Any currency * Money market funds * Global and instant xfers The wallet for Fortune 500s that works with their legacy banks and ERPs is a giga opportunity"  
[X Link](https://x.com/sytaylor/status/1976011340402872726) [@sytaylor](/creator/x/sytaylor) 2025-10-08T19:46Z 60.9K followers, 11.4K engagements


"In 2008 the biggest issue was the lack of transparency. In crypto black Friday within hours we knew * What the issue was * What the possible fixes are Crypto market structure has a long way to go. But it works"  
[X Link](https://x.com/sytaylor/status/1977718290748219562) [@sytaylor](/creator/x/sytaylor) 2025-10-13T12:49Z 60.9K followers, 3264 engagements


"Corporate clients - Siemens - BlackRock - Ant financial Demanding this infrastructure. When corporates say jump the banks say how high. Because there IS an alternative with stablecoins. But most corporates want the BANKS to provide the service"  
[X Link](https://x.com/sytaylor/status/1975846224344531360) [@sytaylor](/creator/x/sytaylor) 2025-10-08T08:50Z 60.9K followers, XXX engagements


"Consider what BNY actually does: - They're the plumbing behind the plumbing. - They "custody" assets - A bit like how a vault operator manages gold but the owner could be anywhere - When institutional money moves globally it flows through BNY's treasury services. - Pension funds. Asset managers. Corporate treasuries. All riding on infrastructure built for batch processing and cut-off times"  
[X Link](https://x.com/sytaylor/status/1975846226047226266) [@sytaylor](/creator/x/sytaylor) 2025-10-08T08:50Z 60.9K followers, XX 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 60.9K followers, 5221 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 60.9K followers, XXX engagements


"The @tempo team is coming to Money 2020. Reply or DM if you want to meet IRL 👇"  
[X Link](https://x.com/sytaylor/status/1978115212747157934) [@sytaylor](/creator/x/sytaylor) 2025-10-14T15:06Z 60.9K followers, 13.1K engagements


"The crypto effect"  
[X Link](https://x.com/sytaylor/status/1978168895107105135) [@sytaylor](/creator/x/sytaylor) 2025-10-14T18:39Z 60.9K followers, 3278 engagements


"Which makes you wonder Why is it so consensus that AI must be in a bubble What's the common thread between: - The IMF - The FT - All of the bank CEOs My guess The scale of AI CAPEX is hard to fathom without "bubble" Yet the scale of AI demand is much higher than supply"  
[X Link](https://x.com/sytaylor/status/1980246175300362577) [@sytaylor](/creator/x/sytaylor) 2025-10-20T12:14Z 60.9K followers, 4577 engagements


"@jgarzik Fair on X complete miss I considered X but it sort of goes back to X the bigger the outcome the more liquidity you need to the point where game theory kicks in"  
[X Link](https://x.com/sytaylor/status/1980269694595588176) [@sytaylor](/creator/x/sytaylor) 2025-10-20T13:47Z 60.9K followers, XX engagements


"Yeah I see low liquidity plus esoteric outcomes become very likely. But it's those cases that are harder to influence like an election or policy rate"  
[X Link](https://x.com/sytaylor/status/1980274884337897640) [@sytaylor](/creator/x/sytaylor) 2025-10-20T14:08Z 60.9K followers, XX 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 60.9K followers, XXX 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 60.9K followers, XXX engagements


"@jevgenijs That looks like a gradual erosion of market relevance doesn't it"  
[X Link](https://x.com/sytaylor/status/1980658912723689902) [@sytaylor](/creator/x/sytaylor) 2025-10-21T15:34Z 60.9K followers, XXX 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 60.9K followers, XXX engagements


"There's a real business case. Major banks already move G7 currency pairs at 1-6 basis points99% margins. Bank tokens could make those flows even MORE efficient. That's not what crypto advocates expected"  
[X Link](https://x.com/sytaylor/status/1977690381316657281) [@sytaylor](/creator/x/sytaylor) 2025-10-13T10:58Z 60.9K followers, XXX engagements


"About XX% of new fintech brainfood subscribers come from Microsoft Teams. Enterprise readers I see you 👀"  
[X Link](https://x.com/sytaylor/status/1978399973638128056) [@sytaylor](/creator/x/sytaylor) 2025-10-15T09:58Z 60.9K followers, 1002 engagements


"Bridge AKA @Stablecoin (acquired by Stripe) filed for an OCC national trust charter to "tokenize trillions of dollars." Circle did it in July. Ripple in August. Paxos followed. Coinbase this month. Why is every stablecoin company getting OCC Trust Charters Here's why 🧵"  
[X Link](https://x.com/sytaylor/status/1978438893318934915) [@sytaylor](/creator/x/sytaylor) 2025-10-15T12:32Z 60.9K followers, 23.1K 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 60.9K followers, 17.8K 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 60.9K followers, 6700 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 60.9K followers, 9838 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 60.9K followers, 6886 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 60.9K followers, 1766 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 60.9K followers, XXX engagements


"Open AI launched a browser Claude launched a desktop app that lives with you in context Two very different modalities"  
[X Link](https://x.com/sytaylor/status/1980705754026782868) [@sytaylor](/creator/x/sytaylor) 2025-10-21T18:40Z 60.9K followers, 1311 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 60.9K 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 60.9K 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 60.9K followers, XXX engagements


"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 60.9K followers, 11.8K 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 60.9K followers, 2256 engagements