[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @DrSaadAlrayes Saad Alrayes | سعد الريّس Saad Alrayes | سعد الريّس posts on X about money, fintech, infrastructure the most. They currently have XXXXX followers and X posts still getting attention that total XX engagements in the last XX hours. ### Engagements: XX [#](/creator/twitter::1630831686/interactions)  - X Month XXXXX +212% - X Months XXXXX +1,193% - X Year XXXXX +134% ### Mentions: X [#](/creator/twitter::1630831686/posts_active)  - X Month X -XX% - X Months XX +1,014% - X Year XX +431% ### Followers: XXXXX [#](/creator/twitter::1630831686/followers)  - X Month XXXXX -XXXX% - X Months XXXXX -XXXX% - X Year XXXXX -XXXX% ### CreatorRank: undefined [#](/creator/twitter::1630831686/influencer_rank)  ### Social Influence [#](/creator/twitter::1630831686/influence) --- **Social category influence** [finance](/list/finance) XX% **Social topic influence** [money](/topic/money) 40%, [fintech](/topic/fintech) 40%, [infrastructure](/topic/infrastructure) XX% **Top accounts mentioned or mentioned by** [@eleanorterrett](/creator/undefined) [@federalreserve](/creator/undefined) ### Top Social Posts [#](/creator/twitter::1630831686/posts) --- Top posts by engagements in the last XX hours "1. When does a salary-advance app become regulated credit If you front customers money (even short-term) or introduce them to someone who does you may need a licence. My perimeter = what activity youre actually doing not what you call it. #FinTech #FinReg" [X Link](https://x.com/DrSaadAlrayes/status/1979930652913836403) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-19T15:20Z 2947 followers, XXX engagements "2. Salary-advance + cashback + round-ups: when does it cross into regulated credit/credit broking My 3-step perimeter check RAO activity exemptions UX touchpoints. #FinReg #FinTech" [X Link](https://x.com/DrSaadAlrayes/status/1979930656823029835) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-19T15:20Z 2945 followers, XX engagements "4. Under FSMA/RAO & Consumer Credit Act: i) regulated credit agreements (interest/charges deferred payment beyond limited exemptions) ii) credit broking (arranging with a 3rd-party lender) & iii) exemptions e.g certain interest-free/short-term credit employer-provided advances" [X Link](https://x.com/DrSaadAlrayes/status/1979930666398621901) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-19T15:20Z 2945 followers, XXX engagements "5. Then overlay Consumer Duty (product design price/value customer understanding) & financial promotions (s21 FSMA) if you advertise. UX (round-ups/cashback) doesnt change the legal substance. My 3box flow: Activity Exemption Controls" [X Link](https://x.com/DrSaadAlrayes/status/1979930668994805830) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-19T15:20Z 2945 followers, XX engagements "@EleanorTerrett @federalreserve Chris Waller has historically been skeptical of crypto but supportive of market-led innovation rather than CBDCs. This move seems aligned with that philosophy enabling private-sector digital money innovation on top of safe central bank infrastructure" [X Link](https://x.com/DrSaadAlrayes/status/1980660946399002736) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-21T15:42Z 2946 followers, 2252 engagements
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@DrSaadAlrayes Saad Alrayes | سعد الريّس
Saad Alrayes | سعد الريّس posts on X about money, fintech, infrastructure the most. They currently have XXXXX followers and X posts still getting attention that total XX engagements in the last XX hours.
Engagements: XX #
- X Month XXXXX +212%
- X Months XXXXX +1,193%
- X Year XXXXX +134%
Mentions: X #
- X Month X -XX%
- X Months XX +1,014%
- X Year XX +431%
Followers: XXXXX #
- X Month XXXXX -XXXX%
- X Months XXXXX -XXXX%
- X Year XXXXX -XXXX%
CreatorRank: undefined #
Social Influence #
Social category influence finance XX%
Social topic influence money 40%, fintech 40%, infrastructure XX%
Top accounts mentioned or mentioned by @eleanorterrett @federalreserve
Top Social Posts #
Top posts by engagements in the last XX hours
"1. When does a salary-advance app become regulated credit If you front customers money (even short-term) or introduce them to someone who does you may need a licence. My perimeter = what activity youre actually doing not what you call it. #FinTech #FinReg"
X Link @DrSaadAlrayes 2025-10-19T15:20Z 2947 followers, XXX engagements
"2. Salary-advance + cashback + round-ups: when does it cross into regulated credit/credit broking My 3-step perimeter check RAO activity exemptions UX touchpoints. #FinReg #FinTech"
X Link @DrSaadAlrayes 2025-10-19T15:20Z 2945 followers, XX engagements
"4. Under FSMA/RAO & Consumer Credit Act: i) regulated credit agreements (interest/charges deferred payment beyond limited exemptions) ii) credit broking (arranging with a 3rd-party lender) & iii) exemptions e.g certain interest-free/short-term credit employer-provided advances"
X Link @DrSaadAlrayes 2025-10-19T15:20Z 2945 followers, XXX engagements
"5. Then overlay Consumer Duty (product design price/value customer understanding) & financial promotions (s21 FSMA) if you advertise. UX (round-ups/cashback) doesnt change the legal substance. My 3box flow: Activity Exemption Controls"
X Link @DrSaadAlrayes 2025-10-19T15:20Z 2945 followers, XX engagements
"@EleanorTerrett @federalreserve Chris Waller has historically been skeptical of crypto but supportive of market-led innovation rather than CBDCs. This move seems aligned with that philosophy enabling private-sector digital money innovation on top of safe central bank infrastructure"
X Link @DrSaadAlrayes 2025-10-21T15:42Z 2946 followers, 2252 engagements