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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 bank, stablecoins, onchain, crypto the most. They currently have XXXXXX followers and 1695 posts still getting attention that total XXXXX engagements in the last XX hours.

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

- X Week XXXXXXX +226%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXXX +600%
- X Year XXXXXXXXXX +261%

### 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 -XX%
- X Month XXX -XX%
- X Months XXX +65%
- X Year XXX +59%

### 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 +0.48%
- X Month XXXXXX +1.60%
- X Months XXXXXX +8.90%
- X Year XXXXXX +16%

### 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

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [champions league](/list/champions-league)  [technology brands](/list/technology-brands)  [currencies](/list/currencies)  [exchanges](/list/exchanges)  [countries](/list/countries)  [cryptocurrencies](/list/cryptocurrencies) 

**Social topic influence**
[bank](/topic/bank) #1562, [stablecoins](/topic/stablecoins), [onchain](/topic/onchain) #453, [crypto](/topic/crypto), [stocks](/topic/stocks), [juventus](/topic/juventus) #381, [money](/topic/money), [klarna](/topic/klarna) #31, [finance](/topic/finance), [ceo](/topic/ceo) #1763

**Top accounts mentioned or mentioned by**
[@alexhjohnson](/creator/undefined) [@tokenizedpod](/creator/undefined) [@jevgenijs](/creator/undefined) [@mikulaja](/creator/undefined) [@dgwbirch](/creator/undefined) [@ramahluwalia](/creator/undefined) [@jonmatonis](/creator/undefined) [@cuysheffield](/creator/undefined) [@mercury](/creator/undefined) [@tryramp](/creator/undefined) [@nikmilanovic](/creator/undefined) [@coindesk](/creator/undefined) [@sardine](/creator/undefined) [@stripe](/creator/undefined) [@pitdesi](/creator/undefined) [@brunoswerneck](/creator/undefined) [@tempo](/creator/undefined) [@noyesclt](/creator/undefined) [@prestonjbyrne](/creator/undefined) [@a16z](/creator/undefined)

**Top assets mentioned**
[Klarna Group (KLAR)](/topic/klarna) [Mastercard, Inc. (MA)](/topic/$ma) [Payoneer Global Inc. Common Stock (PAYO)](/topic/$payo) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [Coinbase Global, Inc. (COIN)](/topic/coinbase) [The XX% Community (99)](/topic/$99)
### Top Social Posts
Top posts by engagements in the last XX hours

"The tokenized deposit vs stablecoin fight is a distraction. Banks multiply money. Stablecoins move it. We need both. --- The tokenized deposit maxi says: "Stablecoins are unregulated shadow banking. Everyone will prefer banks when they tokenize." Some banks and central banks love this narrative. -- The stablecoin maxi says: "Banks are dinosaurs. We don't need them on-chain. Stablecoins are the future of money." Crypto natives love this narrative. --- Both miss the point. Banks create cheap credit Your $XXX deposit becomes $XX in loans (and more) - F500 companies park $500M at JPM. - Get giant"  
[X Link](https://x.com/sytaylor/status/1997675549523579047)  2025-12-07T14:32Z 63.1K followers, 22.7K engagements


"Super excited to share that the @tempo public testnet is now live. And you can start building. Since announcing in September we've added XX design partners: - Brex. - Coastal. - Cross River. - Deel. - Faire. - Figure. - Gusto. - Kalshi. - Klarna. - Mastercard. - Payoneer. - Persona. - Ramp. - UBS. Plus XX infrastructure partners across dev tools on/off-ramps and DeFi. What's live: - Dedicated payment lanes (guaranteed blockspace for payments.) - Stablecoin-native gas Pay fees in USD stablecoins. - Built-in stablecoin DEX Pay fees in any USD stable. ly. - Native memos (e.g. Invoice numbers"  
[X Link](https://x.com/sytaylor/status/1998408170969153612)  2025-12-09T15:03Z 63.1K followers, 38K engagements


"Klarna partners with Privy to build crypto wallets for XXX million users. Two weeks after announcing their stablecoin. The sequence matters. A stablecoin without a wallet is a press release. A stablecoin *with* a wallet is infrastructure. --- What they've announced in X weeks: KlarnaUSD - their dollar-backed stablecoin issued via Bridge launching on @tempo in 2026. Privy partnership - wallet infrastructure so users can actually hold send and use it. --- Privy makes wallets feel like any other app. Already powers 100M+ accounts for platforms like OpenSea and Hyperliquid. Now they're building"  
[X Link](https://x.com/sytaylor/status/1999133043986948305)  2025-12-11T15:03Z 63.1K followers, 25.2K engagements


"🚨 JUST IN: The OCC just approved conditional national trust bank charters: Ripple. Paxos. BitGo. Fidelity Digital Assets. Circle. A national trust charter means federal supervision 50-state reach and the credibility to custody assets for ETFs treasuries and institutions without the patchwork of state licenses. --- Comptroller Gould said this week the agency received XX de novo charter applications this year - nearly as many as the previous X years combined. The regulatory posture has completely flipped. And part of me wonders what happens in a few years if that flips again. --- You can't"  
[X Link](https://x.com/sytaylor/status/1999530616115855848)  2025-12-12T17:23Z 63.1K followers, 198.4K engagements


"The FDIC just revealed it's building two different playbooks - one for stablecoins one for tokenized deposits. Most coverage conflates them. They're not the same. And understanding the difference is worth billions. The FDIC will propose its first GENIUS Act stablecoin application frameworks this month. But buried in Travis Hill's testimony was something bigger: they're also developing separate guidance for tokenized deposits. These are not the same thing. Understanding why matters. Remember the Federal Deposit Insurance Corporation insures bank deposits against loss. It does not insure"  
[X Link](https://x.com/sytaylor/status/1996162692164243846)  2025-12-03T10:20Z 63.1K followers, 33.6K engagements


"@nickmartitsch @chuk_xyz From the 12th January"  
[X Link](https://x.com/sytaylor/status/1999077338655646161)  2025-12-11T11:22Z 63.1K followers, 2549 engagements


"Here's how it works X. Merchants add their product catalogue X. Select which agents (e.g ChatGPT) to sell to X. Manage orders in your existing commerce stack"  
[X Link](https://x.com/sytaylor/status/1999184444079706549)  2025-12-11T18:28Z 63.1K followers, XXX engagements


"1. Distribution of tokens works with any compatible wallet. - Moving tokens costs as little as the network fees (often less than $0.01). - This could open new geographies and markets to US stocks - It also means any new "stablecoin wallet Neobank" could add this feature cheaply"  
[X Link](https://x.com/sytaylor/status/1999358488917803419)  2025-12-12T05:59Z 63.1K followers, XXX engagements


"2. 24/7 and instant reduces risk and increases opportunity. - In the memestock era Robinhood had an existential large margin call from the DTCC to cover a weekend of massive trades. - They maintain this wouldn't have happened if trades had settled instantly since they were the broker. - If news breaks on Sunday traders can trade on it (Note the DTCC maintains separate cut off hours and its not clear those are changing for their tokenized stocks but this is at least one possibility)"  
[X Link](https://x.com/sytaylor/status/1999358491312685560)  2025-12-12T05:59Z 63.1K followers, XXX engagements


"3. Programmable finance. - Corporate actions dividend distributions compliance checks - all executable via smart contracts. - This could save billions in cost for organizations - It could also unlock a more automated treasury. Build workflows that respond to market moves move cash move collateral and buy investment assets all in one workflow"  
[X Link](https://x.com/sytaylor/status/1999358493456015473)  2025-12-12T05:59Z 63.1K followers, XXX engagements


"The stack for 21st century finance is becoming clear - Stablecoins let you move dollars instantaneously 24/7 globally and can instantly settle trades with. - Tokenized T-bills (like Blackrock's BUIDL) let you move yield-bearing cash the same way. - Now stocks become an investment-grade asset that can move 24/7 too"  
[X Link](https://x.com/sytaylor/status/1999358495590875460)  2025-12-12T05:59Z 63.1K followers, XXX engagements


"Timeline is excited about the $20k Neo robot. Watch it try to close a dishwasher. We are not ready. 😅"  
[X Link](https://x.com/sytaylor/status/1983494389751017819)  2025-10-29T11:21Z 63.1K followers, 8.4M engagements


"You know what's interesting How incumbents don't give you this data"  
[X Link](https://x.com/sytaylor/status/1994686547816301037)  2025-11-29T08:35Z 63.1K followers, 15.6K engagements


"Ten European banks just named their euro stablecoin venture: Qivalis. Can it compete with USD stablecoin dominance 🧵"  
[X Link](https://x.com/sytaylor/status/1996535565517525294)  2025-12-04T11:02Z 63.1K followers, 5572 engagements


"TL;DR - The banks: ING. BNP Paribas. UniCredit. CaixaBank. Six others. - Licensed: Dutch central bank authorization. MiCAR-compliant. H2 2026 launch. - CEO: former Coinbase Germany head who secured the country's first crypto custody license. - Chairman: former Bank of England deputy governor. - The Goal: More capital efficiency for banks monetary sovereignty for Europe. Can it work"  
[X Link](https://x.com/sytaylor/status/1996535568746844572)  2025-12-04T11:02Z 63.1K followers, XXX engagements


"Fifth Third Bank just handed Brex their entire commercial card infrastructure. $XXX billion in volume. Every market Fifth Third operates. Default solution for all commercial banking clients. Two Brazilian founders couldn't get approved for a business credit card in 2017 because they had no US credit history. Eight years later their company powers a top-10 US bank. --- But here's what most coverage missed. Fifth Third isn't doing this to compete with fintechs. They're doing it to compete with JPMorgan. This bank is closing a $10.9B acquisition of Comerica. When that happens in Q1 2026 they"  
[X Link](https://x.com/sytaylor/status/1998721495892115569)  2025-12-10T11:48Z 63.1K followers, 47.5K engagements


"Agentic commerce is becoming a standalone product. Routing and managing what LLM and chat surfaces to sell on is non trivial. Smart move making this available to customers who do not process on stripe"  
[X Link](https://x.com/sytaylor/status/1999171558380810730)  2025-12-11T17:36Z 63.1K followers, 12.1K engagements


"Stripe just dropped a product that let's anyone sell to AI Agents. AI Agents are a new channel for commerce. - Agentic commerce converts 2x to 6x higher - X in X Black Friday purchases was AI assisted Now they can have AI checkouts"  
[X Link](https://x.com/sytaylor/status/1999184433921032677)  2025-12-11T18:28Z 63.1K followers, 29.5K engagements


"The SEC just authorized the DTCC to tokenize the top 1000 US stocks. $XX trillion in assets could be about to come onchain. This is the biggest news you're not paying enough attention to 🧵"  
[X Link](https://x.com/sytaylor/status/1999358476607455707)  2025-12-12T05:59Z 63.1K followers, 8385 engagements


"Tether is bidding to buy Juventus FC. That might be the wildest headline of 2025 😳 The world's largest stablecoin issuer. Bidding for one of Europe's most storied football clubs. Let's break this down. 🧵"  
[X Link](https://x.com/sytaylor/status/1999727122718261451)  2025-12-13T06:24Z 63.1K followers, 5672 engagements


"@LucaProsperi A Juventus acquisition extents the global Tether brand. - Associate with "discipline ambition and quiet strength" - Reach 150m+ global fans - Look institutional But for Paulo it also feels personal"  
[X Link](https://x.com/sytaylor/status/1999727223079907431)  2025-12-13T06:24Z 63.1K followers, XXX engagements


"@LucaProsperi Can crypto money buy legitimacy in European football The Agnellis clearly don't think so. But - Tether already owns 10%+ of Juventus. - They have a board seat. - They're not going away. This story isn't over"  
[X Link](https://x.com/sytaylor/status/1999727237835223472)  2025-12-13T06:25Z 63.1K followers, XXX engagements


"🚨 BREAKING: Visa launches Stablecoin Advisory Practice Every bank is asking the same question right now: "What's our stablecoin strategy" And when they don't know the answer who do they call Their card network. --- Visa just formalized what was probably happening informally. They're helping banks figure out the basics: What is minting What is burning What does the flow of funds actually look like Sounds simple. But these are the fundamentals most financial institutions need to understand before they can build anything. --- The client list is telling: Navy Federal Credit Union VyStar"  
[X Link](https://x.com/sytaylor/status/2000566757077979327)  2025-12-15T14:00Z 63.1K followers, 4038 engagements


"Want my thoughts on the @tempo test net Find them here 👇"  
[X Link](https://x.com/sytaylor/status/2000598819621175529)  2025-12-15T16:08Z 63.1K followers, 1398 engagements