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

Simon Taylor posts on X about fintech, open ai, blockchain, stablecoins the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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

- [--] Week [-------] +22%
- [--] Month [---------] +263%
- [--] Months [----------] +608%
- [--] Year [----------] +298%

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

- [--] Week [--] +56%
- [--] Month [---] +73%
- [--] Months [---] +84%
- [--] Year [---] +47%

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

- [--] Week [------] +0.17%
- [--] Month [------] +3.60%
- [--] Months [------] +12%
- [--] Year [------] +19%

### CreatorRank: [-------] [#](/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)  36.97% [technology brands](/list/technology-brands)  18.18% [stocks](/list/stocks)  13.33% [cryptocurrencies](/list/cryptocurrencies)  8.48% [exchanges](/list/exchanges)  #4271 [currencies](/list/currencies)  5.45% [countries](/list/countries)  3.03% [financial services](/list/financial-services)  #1134 [automotive brands](/list/automotive-brands)  0.61% [events](/list/events)  0.61%

**Social topic influence**
[fintech](/topic/fintech) #466, [open ai](/topic/open-ai) 6.67%, [blockchain](/topic/blockchain) 5.45%, [stablecoins](/topic/stablecoins) #653, [crypto](/topic/crypto) 4.85%, [money](/topic/money) 4.85%, [ai](/topic/ai) 4.85%, [bitcoin](/topic/bitcoin) 4.24%, [has been](/topic/has-been) 3.64%, [coinbase](/topic/coinbase) 3.64%

**Top accounts mentioned or mentioned by**
[@tokenizedpod](/creator/undefined) [@coindesk](/creator/undefined) [@austincampbell](/creator/undefined) [@jonmatonis](/creator/undefined) [@tempo](/creator/undefined) [@mikulaja](/creator/undefined) [@risingtide0101](/creator/undefined) [@sebbydavies](/creator/undefined) [@jevgenijs](/creator/undefined) [@fredaduan](/creator/undefined) [@mrbeast](/creator/undefined) [@alexhjohnson](/creator/undefined) [@fintechnerdcon](/creator/undefined) [@dwr](/creator/undefined) [@blockworksdas](/creator/undefined) [@roguecfpb](/creator/undefined) [@0xwave](/creator/undefined) [@izakaminska](/creator/undefined) [@bchaininsider](/creator/undefined) [@0xamss](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin) [Coinbase Global Inc. (COIN)](/topic/coinbase) [Ethereum (ETH)](/topic/ethereum) [HSBC Holdings PLC (HSBC)](/topic/$hsbc) [USDC (USDC)](/topic/usdc) [BlackRock Inc (BLK)](/topic/blackrock) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Klarna Group plc (KLAR)](/topic/klarna) [Shopify Inc (SHOP)](/topic/$shop) [69Coin (69)](/topic/$69) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Robinhood Markets, Inc.  (HOOD)](/topic/$hood)
### Top Social Posts
Top posts by engagements in the last [--] hours

"🚨 JUST IN: Mercury just dropped its [----] annual letter. $650M annualized revenue. $248B in transaction volume (up 59%). 300000+ customers. [--] straight years of GAAP profitability. And in December they applied for a national bank charter. Mercury wants to become an actual bank. --- Rewind to March [----]. SVB collapsed. $175B in deposits [--] years of startup relationships Gone in [--] hours. Mercury picked up $2B in deposits that weekend. By [----] their cash balance growth was neck-and-neck with Chase among startups. [--] in [--] US startups now bank with Mercury. --- The charter application is the quiet"  
[X Link](https://x.com/sytaylor/status/2019519396637819208)  2026-02-05T21:11Z 66.3K followers, [----] engagements


"🚨 BREAKING: NYSE announces new tokenization platform. Here's what they're building: A completely new trading venue with: 24/7 operations (no market hours) Instant settlement (not T+1) Stablecoin-based funding (not bank wires) "Tokens natively issued as digital securities" Not retrofitting the existing exchange. Not adding blockchain to the back office. An entirely new venue. --- Think about what this means: NYSE will run two exchanges. The old one: 9:30-4:00 EST T+1 settlement bank wires. The new one: 24/7 instant settlement stablecoin rails. They're not choosing between traditional and"  
[X Link](https://x.com/sytaylor/status/2013248790988214418)  2026-01-19T13:54Z 66.3K followers, 2.1M engagements


"🚨 BREAKING. Tether launches it's domestic stablecoin USA in the USA. Tether's first federally-regulated stablecoin. Built for the US market. --- The architecture: Issuer: Anchorage Digital Bank (only federally chartered crypto bank in America) Custodian: Cantor Fitzgerald CEO: Bo Hines (former White House Crypto Council Executive Director) --- This matters because Tether has been locked out of US institutions for a decade. USDT is the backbone of global crypto trading - $186B in circulation. 17th largest holder of US Treasuries ahead of Germany. But the offshore structure that let it scale"  
[X Link](https://x.com/sytaylor/status/2016144263122231580)  2026-01-27T13:40Z 66.3K followers, 14.2K engagements


"🚨 WOAH: Uber just launched kiosks at LaGuardia Airport. The disruption of taxis is nearly compete. No app. No phone. Walk up pick a destination tap to pay get a paper receipt with your ride details. Powered by Adyen terminals. --- This is the bit most people will skip past in the partnership announcement. They shouldn't. Uber and Adyen have worked together for a decade across 70+ countries. The expanded deal adds local payment methods Pix Afterpay WeChat Pay and new acquiring markets in Japan Mexico Australia. But the kiosk is the story. --- Uber built its entire business on the assumption"  
[X Link](https://x.com/sytaylor/status/2020917329840713941)  2026-02-09T17:46Z 66.3K followers, 17.7K engagements


"The State of Fintech 2026: Nubank: 127m customers Klarna: 114m Revolut: 65m A handful of companies now have more users than most countries have people. We've entered the Age of the Fintech Hyperscaler. 🧵 What I learned writing the annual report with @jevgenijs"  
[X Link](https://x.com/sytaylor/status/2002750996825448698)  2025-12-21T14:40Z 66.3K followers, 103.6K engagements


"I just watched a machine buy something on Stripe. No card. No human. No checkout. Stripe Dev shipped it yesterday machine payments live in preview. Commerce isn't designed for machines. --- We need to re-organize around that thought. It is designed for humans. He's right. Every fraud model every auth flow every billing system we've built assumes a person is on the other end. Agents break all of it. They need - Microtransactions. - 24/7 rails. - HTTP-native settlement () - Finality guarantees. - No subscriptions. No accounts. - Pay at the point of consumption and move on. Cards weren't"  
[X Link](https://x.com/sytaylor/status/2021603767255212120)  2026-02-11T15:14Z 66.3K followers, 32.4K engagements


"🚨 BREAKING: B2B Neobank Mercury just filed for a bank charter. The fintech that grabbed $2B in deposits in [--] days when SVB collapsed wants to become the bank SVB should have been. --- Mercury the first major B2B neobank to pursue a full OCC national bank charter. The numbers backing the application: $650M annualized revenue [--] years of GAAP profitability 200000+ customers [--] in [--] US startups already bank with them --- Unlike Ramp or Brex which start at expenses and move into the CFO's working capital stack. Mercury is unapologetically an account. It wraps funding and cash flow management"  
[X Link](https://x.com/sytaylor/status/2002021172767318351)  2025-12-19T14:20Z 66.2K followers, 43.6K engagements


"EXCLUSIVE: Visa Direct's $1.7 trillion payout network just added stablecoin infrastructure. I spoke with @BVNKFinance Co-Founder Chris Harmse about what this actually means. 🎬 Full clip below"  
[X Link](https://x.com/sytaylor/status/2011332682211537099)  2026-01-14T07:00Z 66.3K followers, 10.7K engagements


"Missed this Shopify $SHOP is charging merchants an additional 4% on top of any existing fees for ChatGPT checkout transactions. Will merchants see value from that Seems like a high price for an unproven channel. CC @FredaDuan"  
[X Link](https://x.com/sytaylor/status/2015122842094862677)  2026-01-24T18:01Z 66.2K followers, 82.9K engagements


"Louder for the people at the back Your stablecoin neobank is only as good as its compliance infrastructure. Your stablecoin neobank is only as good as its compliance infrastructure"  
[X Link](https://x.com/sytaylor/status/2015464106887905727)  2026-01-25T16:37Z 66.2K followers, 13.7K engagements


"@mikulaja Airwallex has a dual HQ structure in Singapore and San Francisco https://www.airwallex.com/uk/who-we-are https://www.airwallex.com/uk/who-we-are"  
[X Link](https://x.com/sytaylor/status/2015700989710336071)  2026-01-26T08:19Z 66.2K followers, [---] engagements


"🚨 JUST IN: UBS is planning to let wealthy clients trade Bitcoin and Ethereum. The world's largest wealth manager. $6.9 trillion in assets. --- This is the same UBS where Chairman Axel Weber said in 2017: "We have consciously warned against this product because it has no intrinsic value." In [----] he doubled down: "Anonymous payments will not survive." --- So what changed Client demand and competition. Morgan Stanley opened crypto to ALL wealth management clients in October. BlackRock's Bitcoin ETF crossed $77 billion in under [--] months. --- UBS is a dominant player in wealth management. A"  
[X Link](https://x.com/sytaylor/status/2016468674400469241)  2026-01-28T11:09Z 66.2K followers, [----] engagements


"The shadow banks will become the biggest stablecoin issuers And the biggest stablecoin issuers wi become shadow banks https://www.coindesk.com/markets/2026/01/28/fidelity-investments-starts-its-own-stablecoin-in-a-massive-bet-that-future-of-banking-is-on-blockchain https://www.coindesk.com/markets/2026/01/28/fidelity-investments-starts-its-own-stablecoin-in-a-massive-bet-that-future-of-banking-is-on-blockchain"  
[X Link](https://x.com/sytaylor/status/2016524840665030875)  2026-01-28T14:52Z 66.2K followers, [----] engagements


"Fidelity the $6.8 TRILLION shadow bank just entered the stablecoin battle. FIDD launches in February on Ethereum. In the middle of a stablecoin yield-sharing debate. The $6.8 trillion dollar gorilla enters the chat. Should banks be worried Should Circle and Tether Let's start by looking at what they're actually building. --- This is about collateral not consumers. The CFTC just opened derivatives markets to stablecoin collateral. 24/7 margin settlement is now legal. Fidelity's OCC charter application lists: "settlement as a service" and "collateral agency services." That's not consumer"  
[X Link](https://x.com/sytaylor/status/2016569801678704807)  2026-01-28T17:51Z 66.2K followers, [----] engagements


"There is a specific kind of anxiety reserved for a scientist who realizes their experiment has succeeded too well. Targeting a $1T+ IPO this year. You'd think the CEO Dario Amodei would be ecstatic. Anthropic is cooking. And winning. By being thoughtful. https://t.co/qKPEM5MnAg https://t.co/qKPEM5MnAg"  
[X Link](https://x.com/sytaylor/status/2016815998175695238)  2026-01-29T10:09Z 66.2K followers, [----] engagements


"WOW 🚨 Nubank just got OCC conditional approval for a US bank charter. Huge for the US market Monzo tried. Failed. Is trying again. Bunq waited [---] days. Withdrew. Now trying again. N26 abandoned the US entirely. Revolut still doesn't have one. Nubank applied September [--]. Approved January [--]. [---] days. The difference They showed up profitable. $4.2B quarterly revenue. 31% ROE. $783M net income last quarter. [---] million customers. $0.90 cost to serve per month. Traditional banks spend $5+. This is the world's most valuable LatAm financial institution ($77B market cap) proving its thesis works"  
[X Link](https://x.com/sytaylor/status/2016972453768278222)  2026-01-29T20:31Z 66.1K followers, 24.4K engagements


"X402 has a long way to go to become a serious protocol for agents. The vast majority of devs working in AI find it irrelevant. Breaking: We've Updated Real x402 Transaction Data - @base has demonstrated the most consistent x402 activity - @0xPolygon's recent strides are real - 86% of @solana's all-time x402 activity is gamed https://t.co/KMHQrG2smZ Breaking: We've Updated Real x402 Transaction Data - @base has demonstrated the most consistent x402 activity - @0xPolygon's recent strides are real - 86% of @solana's all-time x402 activity is gamed https://t.co/KMHQrG2smZ"  
[X Link](https://x.com/sytaylor/status/2017123795824226471)  2026-01-30T06:32Z 66.2K followers, 10.2K engagements


""Stablecoin" 🤦♂ Thats ironic https://t.co/E84BEh4H2O Thats ironic https://t.co/E84BEh4H2O"  
[X Link](https://x.com/sytaylor/status/2017127652910403817)  2026-01-30T06:48Z 66.1K followers, 11.4K engagements


"Moltbook is over Crypto folks are writing meme lore about why their memecoin is obviously going to benefit from insert trend here An early look at the economics of moltbook and x402 opportunity Moltbook is a social network for AI agents new in the past 48h. Blew up already 32k agents registered. Like many i see moltbook as a critical inflection in AI development. The kinds of economic forces that An early look at the economics of moltbook and x402 opportunity Moltbook is a social network for AI agents new in the past 48h. Blew up already 32k agents registered. Like many i see moltbook as a"  
[X Link](https://x.com/sytaylor/status/2017533478980477141)  2026-01-31T09:40Z 66.2K followers, 11K engagements


"You know what Jamie Dimon is the GOAT ZOOMER JPMORGAN CEO JAMIE DIMON TOLD BRIAN ARMSTRONG HE WAS "FULL OF SHIT" AT WORLD ECONOMIC FORUM FOLLOWING CLASH ON THE SENATE'S CRYPTO BILL: WSJ ZOOMER JPMORGAN CEO JAMIE DIMON TOLD BRIAN ARMSTRONG HE WAS "FULL OF SHIT" AT WORLD ECONOMIC FORUM FOLLOWING CLASH ON THE SENATE'S CRYPTO BILL: WSJ"  
[X Link](https://x.com/sytaylor/status/2017533787832303680)  2026-01-31T09:41Z 66.2K followers, 18.6K engagements


"Youtuber iShowSpeed tried to pay a Nigerian vendor. Cards No. Zelle No. Venmo No. Cash App No. USDC/T Yes This 30-second clip explains stablecoin adoption better than any whitepaper"  
[X Link](https://x.com/sytaylor/status/2017586653183738360)  2026-01-31T13:11Z 66.1K followers, 12.2K engagements


"What is it with Fintech and forbes. BREAKING: Forbes [----] [--] Under [--] honoree Gokce Guven who founded fintech startup Kalder now faces up to [--] years in prison for an alleged $7 million fraud https://t.co/vGHVis1m1k BREAKING: Forbes [----] [--] Under [--] honoree Gokce Guven who founded fintech startup Kalder now faces up to [--] years in prison for an alleged $7 million fraud https://t.co/vGHVis1m1k"  
[X Link](https://x.com/sytaylor/status/2018427270143029744)  2026-02-02T20:52Z 66.3K followers, [----] engagements


"Trying something new and spinning out an AI focussed publication. Meet Prompted. AI is changing the world. Prompted shows you how.AI-focused This edition. The AI that called its human. On OpenClaw and the birth of AI that can just do things. https://promptedfinance.beehiiv.com/p/the-ai-that-called-its-human https://promptedfinance.beehiiv.com/p/the-ai-that-called-its-human https://promptedfinance.beehiiv.com/p/the-ai-that-called-its-human https://promptedfinance.beehiiv.com/p/the-ai-that-called-its-human"  
[X Link](https://x.com/sytaylor/status/2018724490394345872)  2026-02-03T16:33Z 66.1K followers, [----] engagements


"The OpenAI vs Anthropic beef is pure cinema"  
[X Link](https://x.com/sytaylor/status/2019154880695505371)  2026-02-04T21:03Z 66.2K followers, [----] engagements


"You know what shopping and consumerism needed More gambling 🙃 Introducing Buy Now Pay Maybe - a new way to buy stuff onchain You either pay nothing. or overpay. Those who overpay cover everyone else 😏 Payments are handled transparently on @AbstractChain. Try it now (& get limited merch) at https://t.co/mqCafONatf https://t.co/BA9E3osM7P Introducing Buy Now Pay Maybe - a new way to buy stuff onchain You either pay nothing. or overpay. Those who overpay cover everyone else 😏 Payments are handled transparently on @AbstractChain. Try it now (& get limited merch) at https://t.co/mqCafONatf"  
[X Link](https://x.com/sytaylor/status/2019394690307522879)  2026-02-05T12:56Z 66.2K followers, [----] engagements


"Fees on @tempo work very different to most chains. Fees can be paid in any stablecoin or tokenized deposit. Maximum flexibility maximum efficiency. Here's how it works 👇 Tempo enables users to pay transaction fees in any stablecoin no volatile gas tokens required. Rolling out on infrastructure partners including Bridge (@Stablecoin) Frax (@fraxfinance) MetaMask (@MetaMask) and more soon. Learn more in our blog: https://t.co/Doz2qZ2keA Tempo enables users to pay transaction fees in any stablecoin no volatile gas tokens required. Rolling out on infrastructure partners including Bridge"  
[X Link](https://x.com/sytaylor/status/2019461553222037550)  2026-02-05T17:22Z 66.2K followers, [----] engagements


"Wild sentence "There's a rotation to revenue in crypto" The only tokens getting value are those with revenue. Alleluia. I for one. Welcome this trend. Long may it continue"  
[X Link](https://x.com/sytaylor/status/2019939640397164662)  2026-02-07T01:01Z 66.2K followers, [----] engagements


"AI capex at $2T wartime levels is sucking capital from everywhere Which industry has the most defensibility IMO honestly Fintech Tokenizing assets is a generational opportunity. Bank charters are a high bar of regulation. But who's building the moats for the AI era"  
[X Link](https://x.com/sytaylor/status/2020165857087811658)  2026-02-07T16:00Z 66.2K followers, [----] engagements


"This is the correct take SaaS isn't dead. It needs to become agent facing. Every piece of enterprise software has to become a platform play in some capacity. Were moving to a world where agents will do vastly more work with tools and data than people ever did. Your business model feature set and access points have to prepare for this. Every piece of enterprise software has to become a platform play in some capacity. Were moving to a world where agents will do vastly more work with tools and data than people ever did. Your business model feature set and access points have to prepare for this"  
[X Link](https://x.com/sytaylor/status/2020409313831911620)  2026-02-08T08:08Z 66.2K followers, 23.8K engagements


"Significant https://www.mass.gov/news/ag-campbell-secures-court-order-that-will-block-kalshi-from-offering-unlawful-sports-wagers-in-massachusetts https://www.mass.gov/news/ag-campbell-secures-court-order-that-will-block-kalshi-from-offering-unlawful-sports-wagers-in-massachusetts"  
[X Link](https://x.com/sytaylor/status/2020944194031046701)  2026-02-09T19:33Z 66.3K followers, [----] engagements


"@austincampbell @MrBeast Step has been running as a business for [--] years He's essentially branding a business that exists"  
[X Link](https://x.com/sytaylor/status/2021121000562217127)  2026-02-10T07:16Z 66.3K followers, [---] engagements


"@austincampbell @MrBeast Sure I wrote this coming weekends brainfood about it. Inspo hit. I can DM you the Google doc"  
[X Link](https://x.com/sytaylor/status/2021225902122631279)  2026-02-10T14:13Z 66.2K followers, [--] engagements


"@austincampbell @AlexH_Johnson @FintechNerdCon San Diego. 19th and 20th November And before then @TokenizedPod"  
[X Link](https://x.com/sytaylor/status/2021226060788982149)  2026-02-10T14:13Z 66.2K followers, [--] engagements


"RT @risingtide0101: Obvious to crypto natives but useful insto translation of defi primitives with some key nuances and how vaults differ"  
[X Link](https://x.com/anyuser/status/2021244675034648797)  2026-02-10T15:27Z 66.3K followers, [--] engagements


"RT @TokenizedPod: http://x.com/i/article/2020880235588091904 http://x.com/i/article/2020880235588091904"  
[X Link](https://x.com/anyuser/status/2021287150126235820)  2026-02-10T18:16Z 66.3K followers, [--] engagements


"RT @dwr: Looking to chat with people working on agentic payments. DMs are open"  
[X Link](https://x.com/sytaylor/status/2021329310901239937)  2026-02-10T21:03Z 66.3K followers, [--] engagements


"API keys are not the way. We can do better. Tempo's Dan Romero explains why the future of AI agents will be "stablecoin-native." John: "Why wouldn't I just give OpenClaw my credit card" @DWR: "The credit card itself is kind of a private key having that get prompt-injected out maybe not the best thing in the world." https://t.co/7DJEwgLKel Tempo's Dan Romero explains why the future of AI agents will be "stablecoin-native." John: "Why wouldn't I just give OpenClaw my credit card" @DWR: "The credit card itself is kind of a private key having that get prompt-injected out maybe not the best thing"  
[X Link](https://x.com/sytaylor/status/2021128475726287089)  2026-02-10T07:45Z 66.3K followers, 11.9K engagements


"🚨 BREAKING: Gusto just added stablecoin payouts for international contractors via ZeroHash - 400000+ SMBs. - Tens of billions in annual payroll. - Now gets Settlement in minutes not days. Stablecoins as an instant payouts feature for international contracts is becoming table stakes. And that's a big market. --- This is labor market math not crypto hype. Full-time independent contractors doubled in [--] years. 13.6M in [----] 27.7M in [----]. 11% of US small businesses now employ international contractors. Traditional cross-border payroll takes 3-7 days. That's a week of "payment in transit" while"  
[X Link](https://x.com/sytaylor/status/2013671867542909152)  2026-01-20T17:56Z 66.3K followers, 28.4K engagements


"🚨 BREAKING: PayPal replaces CEO Alex Chriss. HP's Enrique Lores takes over March [--]. Wow. *Now* I'm shocked. So is the market. PayPal stock down 16% pre-market. Ooof. --- Remember January [----] - Chriss went on CNBC promising to "shock the world." - The stock jumped 10% in a week on the hype alone. - Two years later the board says "the pace of change and execution was not in line with the Board's expectations." --- What they tried to deliver: - Fastlane a one-click guest checkout to compete with Stripe Link and Shop Pay. - Venmo monetization finally making money from [--] million monthly"  
[X Link](https://x.com/sytaylor/status/2018705743910752320)  2026-02-03T15:18Z 66.3K followers, 13.8K engagements


"📢 So Excited to Announce: Fintech Nerdcon [----] We're coming to San Diego on the 19th and 20th November. I'm SO EXCITED for this"  
[X Link](https://x.com/sytaylor/status/2019048304315863474)  2026-02-04T14:00Z 66.3K followers, [----] engagements


"Nearly every single fastest growing vendor to tech companies is in AI or AI adjacent. If you want to know what tools your peers are using or the startups. The Ramp fastest growing vendors list is super useful"  
[X Link](https://x.com/sytaylor/status/2019417972272689573)  2026-02-05T14:28Z 66.3K followers, [----] engagements


"Is USDC federally regulated I thought it had a conditional charter We're excited to partner with the world's largest federally regulated stablecoin USDC. Your Polymarket balance will soon be backed 1:1 by the U.S. Dollar. Stay tuned. We're excited to partner with the world's largest federally regulated stablecoin USDC. Your Polymarket balance will soon be backed 1:1 by the U.S. Dollar. Stay tuned"  
[X Link](https://x.com/sytaylor/status/2019587329673847130)  2026-02-06T01:41Z 66.3K followers, 11.8K engagements


"These cards all have one thing in common. Thwy don't last. https://t.co/Yec6rbxDrL https://t.co/Yec6rbxDrL"  
[X Link](https://x.com/sytaylor/status/2020827145283494199)  2026-02-09T11:48Z 66.3K followers, 13.2K engagements


"RT @tbpn: Tempo's Dan Romero explains why the future of AI agents will be "stablecoin-native." John: "Why wouldn't I just give OpenClaw my"  
[X Link](https://x.com/sytaylor/status/2021112573488144605)  2026-02-10T06:42Z 66.3K followers, [--] engagements


"RT @gakonst: the end of api keys is coming"  
[X Link](https://x.com/sytaylor/status/2021128359409774842)  2026-02-10T07:45Z 66.3K followers, [--] engagements


"RT @blockworksDAS: NEW: @tempo Head of GTM to speak at DAS NYC Hear FinTech legend @sytaylor in NYC March [--] - 26"  
[X Link](https://x.com/sytaylor/status/2021287215704178938)  2026-02-10T18:16Z 66.3K followers, [--] engagements


"Stablecoins are a meaningfully better rail for remittances 👇 The average cost of sending a $200 remittance is 6.5%. With stablecoins the cost drops below 1% and funds arrive in seconds not days. A practical guide for companies evaluating stablecoins for remittances: https://t.co/5MbkdyPdfC The average cost of sending a $200 remittance is 6.5%. With stablecoins the cost drops below 1% and funds arrive in seconds not days. A practical guide for companies evaluating stablecoins for remittances: https://t.co/5MbkdyPdfC"  
[X Link](https://x.com/sytaylor/status/2021306510345732562)  2026-02-10T19:33Z 66.3K followers, 13.2K engagements


"Concur bridge hit a six-month high in inbound leads last week. stablecoin interest is decoupling from crypto trading. interest and conviction are accelerating. bridge hit a six-month high in inbound leads last week. stablecoin interest is decoupling from crypto trading. interest and conviction are accelerating"  
[X Link](https://x.com/sytaylor/status/2021329339451834618)  2026-02-10T21:04Z 66.3K followers, [----] engagements


"PSA: The quad extension machine is not a nice place to sit down if you fancy a rest. Go somewhere else"  
[X Link](https://x.com/sytaylor/status/2021513455757398453)  2026-02-11T09:15Z 66.3K followers, [---] engagements


"@AVOCADO_MAXI Short term over hyped. Long term. At worst it's a new channel At best it's the channel But trying to shop via a visual browser is sub optimal especially if what you're buying is an API key"  
[X Link](https://x.com/sytaylor/status/2021543032181358655)  2026-02-11T11:13Z 66.3K followers, [--] engagements


"I feel like the future won't look kindly at this Vlad Tenev on Prediction Markets: "So prediction markets: fastest growing business in our history $300M+ run rate in its first year. I think we're just at the beginning of a prediction market super cycle that could drive trillions in annual volume over time." $HOOD https://t.co/7J6kW5bQFS Vlad Tenev on Prediction Markets: "So prediction markets: fastest growing business in our history $300M+ run rate in its first year. I think we're just at the beginning of a prediction market super cycle that could drive trillions in annual volume over time.""  
[X Link](https://x.com/sytaylor/status/2021551027724407173)  2026-02-11T11:44Z 66.3K followers, [----] engagements


"@dadiomov Claude code feels like an exception For [--] mins of someone using a CLI the first time. Their time to a custom dashboard is reduced. Without the n8n or zapier style workflow fiddling"  
[X Link](https://x.com/sytaylor/status/2022224093676708122)  2026-02-13T08:19Z 66.3K followers, [---] 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 66.3K followers, 8.5M engagements


"Coinbase just launched "Custom Stablecoins." Any company can now issue their own branded stablecoin. Here's why that matters more than it sounds"  
[X Link](https://x.com/sytaylor/status/2001578940154986553)  2025-12-18T09:03Z 66.3K followers, 100K engagements


"Look. I love wallet connect. But the hype around this is overblown and misguided. It's clear most of you have no idea how POS economics and distribution work. Being in the app store doesn't mean you've won. what an insanely clever to move to bypass banks and card providers and just offer stablecoin payments via terminal master class in bd what an insanely clever to move to bypass banks and card providers and just offer stablecoin payments via terminal master class in bd"  
[X Link](https://x.com/sytaylor/status/2013156412206051450)  2026-01-19T07:47Z 66.3K followers, 59.4K engagements


"Binance CEO: "The native currency for AI Agents will be Crypto." 😳 Personally I think it will be stablecoins. I have massive and increasing by the day conviction on this point. There are so many papercuts being a developer running out of tokens trying to access APIs. Something like X402 but more complete is needed. https://twitter.com/i/web/status/2014609196373676172 https://twitter.com/i/web/status/2014609196373676172"  
[X Link](https://x.com/sytaylor/status/2014609196373676172)  2026-01-23T08:00Z 66.3K followers, 13.9K engagements


"RT @tempo: The Merkle team is joining Tempo. We're excited to build the infrastructure for payments at scale together"  
[X Link](https://x.com/sytaylor/status/2020912324928995573)  2026-02-09T17:26Z 66.3K followers, [--] engagements


"RT @sunandr_: This is "DeFi Yield For Fintechs 101" @sytaylor and @cuysheffield are two of the most knowledgeable people in the world when"  
[X Link](https://x.com/sytaylor/status/2021101966894461422)  2026-02-10T06:00Z 66.3K followers, [--] engagements


"But they called them minions 🤌🤌🤌🤌🤌 At Stripe we have a tool called "minions" -- it lets us kick off async agents built right in our dev environment to one-shot bugs features and more e2e. I have team project and personal channels dedicated just to working with minions. I like to think of it as a new type of At Stripe we have a tool called "minions" -- it lets us kick off async agents built right in our dev environment to one-shot bugs features and more e2e. I have team project and personal channels dedicated just to working with minions. I like to think of it as a new type of"  
[X Link](https://x.com/sytaylor/status/2021473090752946596)  2026-02-11T06:35Z 66.3K followers, [----] engagements


""Is Agentic coding all hype" No. Minions are Stripes homegrown coding agents. Theyre fully unattended and built to one-shot tasks. Over a thousand pull requests merged each week at Stripe are completely minion-produced and while theyre human-reviewed they contain no human-written code. https://t.co/J7ZhJZ9p01 Minions are Stripes homegrown coding agents. Theyre fully unattended and built to one-shot tasks. Over a thousand pull requests merged each week at Stripe are completely minion-produced and while theyre human-reviewed they contain no human-written code. https://t.co/J7ZhJZ9p01"  
[X Link](https://x.com/sytaylor/status/2021517638585741710)  2026-02-11T09:32Z 66.3K followers, [----] engagements


"🚨 BREAKING: BlackRock is getting into DeFi. It bought Uniswap (UNI) tokens and listed BUIDL. BUIDL their $180B tokenized Treasury fund is now on Uniswap with Securitize handling institutional whitelisting and Wintermute providing liquidity. Then they bought the protocol token. The same protocol token that was under investigation by the previous SEC. --- Right now this is small. - Qualified purchasers only. - $5M+ in assets. - A handful of whitelisted market makers. --- But the Securitize CEO said something most people will skip past: "The infrastructure we're announcing will work equally"  
[X Link](https://x.com/sytaylor/status/2021608399658438666)  2026-02-11T15:32Z 66.3K followers, [----] engagements


"@AlexH_Johnson Its disturbing that the people best placed to hold companies to account for consumer protection - are so clearly captured by other lobbies"  
[X Link](https://x.com/sytaylor/status/2021866687646122161)  2026-02-12T08:39Z 66.3K followers, [---] engagements


"BlackRock has a multi year persistent and relentless focus on Tokenization From the Bitcoin ETF to now getting into DeFi. Baby steps. Massive progress in aggregate. BlackRock is getting into DeFi. Totally unimaginable [--] years ago https://t.co/5PoLR1olkW BlackRock is getting into DeFi. Totally unimaginable [--] years ago https://t.co/5PoLR1olkW"  
[X Link](https://x.com/sytaylor/status/2021869426354647306)  2026-02-12T08:50Z 66.3K followers, [----] engagements


"@pitdesi That was my first thought. Why Like ok a financial advisor you can roll out to grab customers. But with no relevant regulatory context. And a wedge in the US market. That you have no intention to move towards long term"  
[X Link](https://x.com/sytaylor/status/2022223302123548765)  2026-02-13T08:16Z 66.3K followers, [---] engagements


"Who should I know @step Writing about the acquisition this weekend"  
[X Link](https://x.com/sytaylor/status/2022262672373268782)  2026-02-13T10:52Z 66.3K followers, [----] engagements


"Sonnet [---] feels the most Claude like since [---] Snappy consistent good outputs"  
[X Link](https://x.com/sytaylor/status/1972785157552865744)  2025-09-29T22:06Z 60.3K followers, [---] engagements


"🚨 Breaking: Visa is testing pre-funded stablecoins to make cross-border settlement MUCH more working capital efficient Most people will get this story wrong. Here's the problem Visa is solving and why I think its genius 👇"  
[X Link](https://x.com/sytaylor/status/1973005209933889729)  2025-09-30T12:41Z 60.3K followers, [----] engagements


"The Problem Visa Is Solving Right now if you're a fintech doing global payouts via Visa Direct you need: - $2M pre-funded in USD accounts - 1.5M pre-funded in EUR accounts - 1M pre-funded in GBP accounts - 200M pre-funded in JPY accounts across 30+ currencies"  
[X Link](https://x.com/sytaylor/status/1973005212282769508)  2025-09-30T12:41Z 60.3K followers, [---] engagements


"58% of @lovable_dev customers checkout with Stripe Link Hella stat Stripe Link is SUCH a weapon It is the default wallet for AI agents to access payment methods Nearly every single AI company is a Stripe customer. Let that sink in"  
[X Link](https://x.com/sytaylor/status/1973017860483305692)  2025-09-30T13:31Z 60.4K followers, [----] engagements


"@0xJackMarsh I'll give them GPI But IIN from JP Morgan is better"  
[X Link](https://x.com/sytaylor/status/1973023317012697150)  2025-09-30T13:53Z 60.2K followers, [--] engagements


"Stripe just launched issuance as a service "What if stripe builds it" Just came to Stablecoins"  
[X Link](https://x.com/sytaylor/status/1973032744809861181)  2025-09-30T14:30Z 60.3K followers, [----] engagements


"🚨 BREAKING: @brexHQ just announced stablecoin payments. Accept stables and pay card balances *instantly* Companies can [--]. Accept stablecoins and receive USD instantly. [--]. Pay card balances with stablecoins. Let's walk through an example"  
[X Link](https://x.com/sytaylor/status/1973084840791613687)  2025-09-30T17:57Z 60.6K followers, 16K engagements


"Your company receives $10M USDC from a Singapore client at [--] AM. Before: - Partner with someone like Coinbase (receive crypto) - Wire to USD out from Coinbase to your Bank (a day) - Transfer to Brex (another day) Now: - Brex acquires the stablecoin - Brex credits your USD balance instantly All in one platform. Zero reconciliation hell"  
[X Link](https://x.com/sytaylor/status/1973084842691575971)  2025-09-30T17:57Z 60.2K followers, [---] engagements


"This is different to Ramp's offering Ramp lets you hold USD and EUR for treasury management with stablecoin financial accounts in [---] countries. Ramp: "We'll transform your treasury" Brex: "We'll make you stablecoin ready.""  
[X Link](https://x.com/sytaylor/status/1973084844037939477)  2025-09-30T17:57Z 60.2K followers, [---] engagements


"The board they assembled for market entry: - Roberto Campos Neto (former President Central Bank of Brazil) - Chairman - Brian Brooks (former Acting Comptroller of the Currency) - Cristina Junqueira (co-founder) - relocated full-time to run US ops Two of those three are ALREADY signed up to speak at @FintechNerdCon ;)"  
[X Link](https://x.com/sytaylor/status/1973089039772479850)  2025-09-30T18:14Z 60.2K followers, [---] engagements


"What a chart. Good game everyone https://t.co/8tHjMQUU2g Good game everyone https://t.co/8tHjMQUU2g"  
[X Link](https://x.com/sytaylor/status/1974075999672545512)  2025-10-03T11:36Z 60.3K followers, [----] engagements


"You notice how PayPal never lobbies on X with ragebait Something to that. PayPal now paying 4% on Venmo to holders of their stablecoin PYUSD For context Venmo has [--] million monthly users vs. Coinbase at [--] million Crypto is going mainstream and heavy distribution channels are being tapped https://t.co/Z4kJzHNieS PayPal now paying 4% on Venmo to holders of their stablecoin PYUSD For context Venmo has [--] million monthly users vs. Coinbase at [--] million Crypto is going mainstream and heavy distribution channels are being tapped https://t.co/Z4kJzHNieS"  
[X Link](https://x.com/sytaylor/status/1974124271988551692)  2025-10-03T14:47Z 60.7K followers, [----] engagements


"OpenAI is getting into Fintech 👇 Im excited to announce that Roi has been acquired by OpenAI We started Roi [--] years ago to make investing accessible to everyone by building the most personalized financial experience. Along the way we realized personalization isnt just the future of finance. Its the future https://t.co/KL8HJbFuSj Im excited to announce that Roi has been acquired by OpenAI We started Roi [--] years ago to make investing accessible to everyone by building the most personalized financial experience. Along the way we realized personalization isnt just the future of finance. Its the"  
[X Link](https://x.com/sytaylor/status/1974220148560060831)  2025-10-03T21:08Z 60.5K followers, [----] engagements


"@noyesclt Any payment type * As long as the processor supports both ACP and that payment method"  
[X Link](https://x.com/sytaylor/status/1974475734002327613)  2025-10-04T14:04Z 60.5K followers, [---] engagements


"Gemini is slowly making a comeback Nano banana effect ChatGPT's market share is shrinking though it remains almost 3/4. Gemini has quadrupled its market share in the last six months. Data from @Similarweb https://t.co/qiHPUQgjVB ChatGPT's market share is shrinking though it remains almost 3/4. Gemini has quadrupled its market share in the last six months. Data from @Similarweb https://t.co/qiHPUQgjVB"  
[X Link](https://x.com/sytaylor/status/1974565600132468834)  2025-10-04T20:01Z 60.5K followers, [----] engagements


"So wait AI is bad Or we need more energy I'm confused And which one is Bitcoin GPT-5 consumes like a country it ranks #81 in global electricity use GPT-5s estimated annual electricity consumption is about [----] TWh; it consumes way more energy than Slovenia as a country. https://t.co/1E49a1SClW GPT-5 consumes like a country it ranks #81 in global electricity use GPT-5s estimated annual electricity consumption is about [----] TWh; it consumes way more energy than Slovenia as a country. https://t.co/1E49a1SClW"  
[X Link](https://x.com/sytaylor/status/1974567683959181782)  2025-10-04T20:09Z 60.5K followers, [----] engagements


"Fractional reserve banks are wildly high leverage They need government support and regular bailouts for this reason Private credit funds and Stablecoins are not levered. They're usually 1:1 and bankruptcy remote Kinda nuts the argument against both is stability. Pot. Kettle"  
[X Link](https://x.com/sytaylor/status/1974798274956607784)  2025-10-05T11:26Z 60.6K followers, 49.6K engagements


"This is the exact same business model that the Durbin Amendment accidentally created in [----]. Durbin capped debit card interchange fees at $0.21 + 0.05% for banks over $10B in assets. But banks under $10B Still charging $0.44 per swipe"  
[X Link](https://x.com/sytaylor/status/1974807304181571796)  2025-10-05T12:02Z 60.7K followers, [----] engagements


"hat carve-out for community banks created a partnership arbitrage. Fintechs like Chime Cash App and Square partnered with sub-$10B banks. They issued cards collected higher interchange and used that revenue to fund growth rewards programs and better customer experiences"  
[X Link](https://x.com/sytaylor/status/1974807305670537535)  2025-10-05T12:02Z 60.7K followers, [----] engagements


"Chime generated most of its $1.6bn from interchange in [----]. They used it to offer early paychecks no overdraft fees and aggressive customer acquisition. The result Durbin inadvertently became the most effective government funding mechanisms for fintech innovation ever"  
[X Link](https://x.com/sytaylor/status/1974807307222503926)  2025-10-05T12:02Z 60.7K followers, [----] engagements


"Banks call stablecoin rewards a loophole because they see stablecoins as deposit substitutes. But [--]. They're actually cash substitutes [--]. We're bootstrapping a new business model: embedded finance [---]. Like Durbin created distribution-based banking GENIUS is creating distribution-based stablecoins"  
[X Link](https://x.com/sytaylor/status/1974807316500246621)  2025-10-05T12:02Z 60.5K followers, [----] engagements


"The distributor model works because: Issuer focuses on compliance reserves stability Distributor focuses on UX customer acquisition product innovation Customer gets better economics than traditional banking offers It's specialization creating value"  
[X Link](https://x.com/sytaylor/status/1974807317985083564)  2025-10-05T12:02Z 60.5K followers, [----] engagements


"The banks want to close the "loophole" because they can't compete on this playing field. - They're Durbin-regulated on debit cards. - They're deposit-regulated on savings accounts. - And now stablecoins are offering better returns with better UX. But there's a better path"  
[X Link](https://x.com/sytaylor/status/1974807319713075330)  2025-10-05T12:02Z 60.5K followers, 16.1K engagements


"OpenAI is becoming a Fintech Super App. Their ROI aggregates financial portfolios and data But here's the clever bit It also learns how customers like to communicate about money. This could be their most disruptive move in consumer finance. 🧵 https://x.com/aka_suje/status/1974190926177460670s=46 https://x.com/aka_suje/status/1974190926177460670s=46 Im excited to announce that Roi has been acquired by OpenAI We started Roi [--] years ago to make investing accessible to everyone by building the most personalized financial experience. Along the way we realized personalization isnt just the future"  
[X Link](https://x.com/sytaylor/status/1975113434657161702)  2025-10-06T08:18Z 60.5K followers, [---] engagements


"OpenAI is quietly building the financial interface for people who hate managing money. Three acquisitions in [----]. One pattern. - January: Context. ai - personalization engine - March: Crossing Minds - recommendation systems - Last week: Roi - personal finance app that adapts to how you communicate On the surface Standard acqui-hires"  
[X Link](https://x.com/sytaylor/status/1975113436963942733)  2025-10-06T08:18Z 60.5K followers, [---] engagements


"Roi aggregated stocks crypto DeFi real estate NFTs - your entire financial footprint - and wrapped it in an AI that learns how you want to be talked to"  
[X Link](https://x.com/sytaylor/status/1975113440869126549)  2025-10-06T08:18Z 60.5K followers, [---] engagements


"This is ideal for Fintech - "Personal Finance Management" has a 90% abandonment rate. - Because humans fundamentally don't want to manage money. - We don't want budgets or charts Apps fight for the same 10% of users who actually like managing money"  
[X Link](https://x.com/sytaylor/status/1975113442752340206)  2025-10-06T08:18Z 60.5K followers, [---] engagements


"What Roi figured out (and why OpenAI bought them) - Stop trying to turn everyone into a financial analyst. - Instead meet people where they are. - Want serious Warren Buffett-style portfolio analysis Roi gave you that. - Want an AI that roasts you in Gen-Z speak when your bags dump"  
[X Link](https://x.com/sytaylor/status/1975113444660498607)  2025-10-06T08:18Z 60.6K followers, [---] engagements


"Here's what Roi actually sent to a user: "Suje you got cooked lil bro. You took an L today of $32459.12might be an opportunity to buy the dip." Both get the same financial outcome - but through radically different interfaces. That personalization engine That's what OpenAI actually acquired"  
[X Link](https://x.com/sytaylor/status/1975113446430535874)  2025-10-06T08:18Z 60.5K followers, [---] engagements


"Different strategies are playing out - Perplexity went finance pro stock dashboards real-time data research tools. - Claude is building enterprise power tools - manage spreadsheets and data - OpenAI is building for consumer money but still need to manage it. That's why Open AI is the Fintech super App"  
[X Link](https://x.com/sytaylor/status/1975113447986659497)  2025-10-06T08:18Z 60.5K followers, [---] engagements


"Traditional fintech built better tools and hoped people would use them. OpenAI is building AI that uses the tools for you. From "a better dashboard" to "I'll watch your dashboard for you and tell you what matters in whatever language you understand." That's category flipping"  
[X Link](https://x.com/sytaylor/status/1975113449668850158)  2025-10-06T08:18Z 60.5K followers, [---] engagements


"If OpenAI becomes the default financial interface for the 90% who don't want to manage money. What happens to every fintech app that's currently trying to be that interface What am I missing What am I getting wrong"  
[X Link](https://x.com/sytaylor/status/1975113452344770988)  2025-10-06T08:18Z 60.5K followers, [---] engagements


"1. The Industrial Revolution - The Royal Mint couldn't create coins fast enough - The shortage led to widespread counterfeits - The new wage economy demanded more coins - So factories with high quality machinery made their own The Royal Mint accepted this before eventually USING that technology themselves [--] years later"  
[X Link](https://x.com/sytaylor/status/1975162550770618517)  2025-10-06T11:33Z 60.6K followers, [----] engagements


"@RogueCfpb Right but they distributed direct to consumer Morpho is via intermediaries who sell private credit to consumers I suspect the distributors are more in line than Morpho"  
[X Link](https://x.com/sytaylor/status/1975303931917144533)  2025-10-06T20:55Z 60.5K followers, [---] engagements


"Chat GPT is becoming a consumer platform You can now chat with apps in ChatGPT. https://t.co/T9Owi3POim You can now chat with apps in ChatGPT. https://t.co/T9Owi3POim"  
[X Link](https://x.com/sytaylor/status/1975437386080538976)  2025-10-07T05:45Z 60.6K followers, [----] engagements


"OpenAI has been trying to reach it's App Store moment for [--] and a half years now - Plugins - Custom GPTs - Now Apps The difference now is I think consumers are more ready. Chat is becoming a default way to solve problems for generations of consumers"  
[X Link](https://x.com/sytaylor/status/1975506727660343706)  2025-10-07T10:21Z 60.6K followers, [----] engagements


"So I don't know if that fits either When the assets are self custodian (e.g. Bitcoin in your wallet). You're the legal owner of that asset. You then lock those assets from the software provider in a protocol.(Coinbase acting in that capacity not as a custodian). You then use those assets as collateral to borrow via a software platform that makes markets without opinion. The SEC has been clear (at least lately) developers are not regulated. But it does potentially mean a very lasez fare private credit market is enabled. You're essentially making instiutional grade securitization markets"  
[X Link](https://x.com/sytaylor/status/1975509284315136437)  2025-10-07T10:31Z 60.6K followers, [---] engagements


"NYSE-Parent Intercontinental Exchange (NYSE parent) takes $2B stake in Polymarket. Prediction markets just became institutional. Wow. Let that sink in. The company that runs the New York Stock Exchange just valued Polymarket at $8 billion and wrote a $2 billion check. ICE Shares up 3% in premarket. The market gets it. Jeffrey Sprecher (ICE CEO): "There are opportunities across markets which ICE together with Polymarket can uniquely serve." --- - Before today: Prediction markets = interesting crypto experiment outside the institutional space - After today: Prediction markets = infrastructure"  
[X Link](https://x.com/sytaylor/status/1975558147226943639)  2025-10-07T13:45Z 60.8K followers, [----] engagements


"The world's largest custodian bank BNY with $55.8 trillion in custody just announced it's testing blockchain-based payments for clients. Why Because corporates are demanding it. 🧵"  
[X Link](https://x.com/sytaylor/status/1975846219793744015)  2025-10-08T08:50Z 60.6K followers, [----] engagements


"Look at who's already live: JPMorgan: JPMD token processing billions for clients like Ant International HSBC: Tokenized deposits for cross-border FX first customer was Ant Nine European banks: Building a MiCA-compliant euro stablecoin together Pattern"  
[X Link](https://x.com/sytaylor/status/1975846222620766257)  2025-10-08T08:50Z 60.6K followers, [---] engagements


"Wanna come further down the rabbit hole [--]. Settlement today: - When banks complete a transaction with their central banking accounts (domestic) - When banks complete a transaction in pre-funded accounts (nostro's) internationally True legal settlement onchain. Could a central bank reserve token help Do banks need a CBDC instead What's the international version of this that works for any currency"  
[X Link](https://x.com/sytaylor/status/1975846231202017470)  2025-10-08T08:50Z 60.8K followers, [--] engagements


"2. Treasury onchain - A deposit only exists inside of a bank today - JP Morgan's JPMD approach was to have a token represent that deposit but not legally be it - This means you still have some inter-bank settlement delays as you do today - Tokenizing that deposit means recognizing the token as the deposit I don't know that any treasury team has got there yet. Maybe onchain treasuries have"  
[X Link](https://x.com/sytaylor/status/1975846232921628936)  2025-10-08T08:50Z 60.7K followers, [---] engagements


"3. Privacy - Corporates don't want all of their competitors to see every single transaction. - ZKsync Canton @tempo* and others are working on this issue but its not solved at scale"  
[X Link](https://x.com/sytaylor/status/1975846234545148237)  2025-10-08T08:50Z 60.6K followers, [---] engagements


"@louisamira Compressed: AI is the new UI PS. Wisprflow and / or Otter when you need the transcript on your phone"  
[X Link](https://x.com/sytaylor/status/1975892880767234384)  2025-10-08T11:55Z 60.6K followers, [--] engagements


"Alipay has over [--] billion active consumers It is a digital wallet and "superapp" for online and in-store payments Also does financial services like investments and wealth management. Why are they so early to Euro stables"  
[X Link](https://x.com/sytaylor/status/1976011069811458149)  2025-10-08T19:45Z 60.6K followers, [----] engagements


"Here's what everyone missed Alipay went live with tokenized FX between EUR GBP and USD at - HSBC - Citi - JP Morgan They're pushing their banks hard And they have their own blockchain Ant Chain"  
[X Link](https://x.com/sytaylor/status/1976011071547899915)  2025-10-08T19:45Z 60.6K followers, [----] engagements


"Is Coinbase hedging a loss to the bank lobby on stablecoin yield"  
[X Link](https://x.com/sytaylor/status/1976012989221437770)  2025-10-08T19:53Z 60.8K followers, [----] engagements


"Tether is front running the dollar returning to the gold standard LOOKOUT: Tether Gold has now passed $1.5 billion in market cap Stablecoins are coming after the gold sector https://t.co/omzGTHmE5S LOOKOUT: Tether Gold has now passed $1.5 billion in market cap Stablecoins are coming after the gold sector https://t.co/omzGTHmE5S"  
[X Link](https://x.com/sytaylor/status/1976181958792314890)  2025-10-09T07:04Z 60.7K followers, [----] engagements


"I'm that weird squiggly arrow between the two Been here a while It was inevitable wasn't it Crypto is evolving into Fintech. Fintech is becoming Crypto. Were watching rails data and infrastructure converge into a new financial operating system one thats open programmable and intelligent. In this "Crypto Fintech" piece I break down: - Why this convergence is https://t.co/b1LfO30X4K Crypto is evolving into Fintech. Fintech is becoming Crypto. Were watching rails data and infrastructure converge into a new financial operating system one thats open programmable and intelligent. In this "Crypto"  
[X Link](https://x.com/sytaylor/status/1976182204884517352)  2025-10-09T07:05Z 60.7K followers, [----] engagements


"And plot twist The US market has been their fastest-growing over the last 12-18 months. Why The GENIUS Act passed July [--] [----] - the first federal regulatory framework for payment stablecoins in the US. Then watch what happened:"  
[X Link](https://x.com/sytaylor/status/1976221376647487512)  2025-10-09T09:41Z 60.8K followers, [---] engagements


"September 2025: - Zero Hash raises $104M led by Interactive Brokers - with Morgan Stanley SoFi and Apollo. - Valued at $1 billion. October 2025: - Citi Ventures invests in BVNK. - Visa Ventures invested in May. And don't forget Stripe's acquisition of Bridge"  
[X Link](https://x.com/sytaylor/status/1976221379633758234)  2025-10-09T09:41Z 60.8K followers, [---] engagements


"Anyone else instant delete emails with emdashes in the title"  
[X Link](https://x.com/sytaylor/status/1976242626581115332)  2025-10-09T11:05Z 60.6K followers, [----] engagements


"Onchain lending is the op It's private credit for the masses I allude to it in Sundays newsletter but I need to write a whole piece on it Just as there will be an "Earn" tab in every fintech platform (via Aave & others on the backend) there will also be modules that enable instantly extending lines of credit (via defi) to any business or person in any region circumventing banks entirely Just as there will be an "Earn" tab in every fintech platform (via Aave & others on the backend) there will also be modules that enable instantly extending lines of credit (via defi) to any business or person"  
[X Link](https://x.com/sytaylor/status/1976568211631112703)  2025-10-10T08:39Z 60.7K followers, [----] engagements


"@kziemski Over collateralised is a very different risk profile"  
[X Link](https://x.com/sytaylor/status/1976604448098337242)  2025-10-10T11:03Z 60.7K followers, [--] engagements


"But it feels like the market had [--]. Cognitive dissonance. How can there be all time high data center CAPEX and this not be a bubble. [--]. We're over due a major crypto crash and it always crashes after a big run"  
[X Link](https://x.com/sytaylor/status/1977329908935455030)  2025-10-12T11:06Z 60.7K followers, [--] engagements


"Crypto specifically looks to have had market structure issues. Not related to leverage but due to how Binance priced wrapped assets. Maybe in turn tariffs the lack of more Capex dry powder and confidence eroding in crypto means we get a defacto pull back"  
[X Link](https://x.com/sytaylor/status/1977329911900811470)  2025-10-12T11:06Z 60.7K followers, [--] engagements


"@mikulaja @0xWave Binance mispriced USDe kicking off a cascade of liquidations. They owned up to the error and have started refunds https://x.com/yq_acc/status/1977057301673787716t=WeYNOdMjRLT6xppojy6ggA&s=19 https://t.co/Izhy7nIJKZ https://x.com/yq_acc/status/1977057301673787716t=WeYNOdMjRLT6xppojy6ggA&s=19 https://t.co/Izhy7nIJKZ"  
[X Link](https://x.com/sytaylor/status/1977390676472963375)  2025-10-12T15:07Z 60.7K followers, [----] engagements


"@mikulaja @0xWave Ethena has maintained it's peg. https://x.com/gdog97_/status/1977302774636540403t=0xpQZkmO9SkcyoEgCF2myA&s=19 While we share these suggestions privately with any partner we work with across both DeFi and CeFi want to surface this publicly so there is zero doubt going forward on what we view as appropriate oracle design and risk management for USDe: https://t.co/lb4OeaGn9Y https://x.com/gdog97_/status/1977302774636540403t=0xpQZkmO9SkcyoEgCF2myA&s=19 While we share these suggestions privately with any partner we work with across both DeFi and CeFi want to surface this publicly"  
[X Link](https://x.com/sytaylor/status/1977390924725449127)  2025-10-12T15:08Z 60.7K followers, [---] engagements


"1000s of stablecoins will interoperate. It's called clearing. It's a well known thing. How will a future of [----] stablecoins actually work By recreating what TradFi already solved: universal interoperability across many private monies. When that happens fragmentation disappears and users stop caring who issued their dollar just as it is in banking: We already How will a future of [----] stablecoins actually work By recreating what TradFi already solved: universal interoperability across many private monies. When that happens fragmentation disappears and users stop caring who issued their dollar"  
[X Link](https://x.com/sytaylor/status/1977432472544551044)  2025-10-12T17:53Z 60.8K followers, 20.1K engagements


"If they are stablecoins (i.e. 1:1 backed) Then the same way it does with banks. A clearing counter party accepts the stablecoin and values it at par. Typically that is covered by the settlement across the central bank domestically I'm anticipating a cross border equivalent to emerge similar to the recent euro stablecoin issued by [--] banks"  
[X Link](https://x.com/sytaylor/status/1977457750348083538)  2025-10-12T19:34Z 60.7K followers, [---] engagements


"@KamilMouhid There's a legitimate concern about a derivative like USDe being considered stable. It also seems there are some deals to maintain the pricing of it with oracles which is a tad opaque. That said Binance has largely admitted being at fault here"  
[X Link](https://x.com/sytaylor/status/1977473721284870591)  2025-10-12T20:37Z 60.7K followers, [--] engagements


"So [--]. I agree only the top handful of stables will be natively cleared across all networks at par given their risk profile [--]. Gas abstraction and AMMs give stables the ability to trade slightly off par efficiently [--]. Applied only to GENIUS compliant stables. Not derivatives like USDe. I suspect those 1000s of stables will actually come from about [--] issuers"  
[X Link](https://x.com/sytaylor/status/1977602895290781722)  2025-10-13T05:10Z 60.8K followers, [--] engagements


"This is the best unit economic focussed break down of how agentic commerce impacts - Ads - Marketplaces - Payments I've seen You're not paying enough attention to how GOOD this bit of work is. Well done Freda Agentic commerce's impact on merchants / platforms / Googl / payment ecosystem. The new digital tax: Convergence of ads expense (ads) & take rate (e-commerce). [--] The new digital tax: Convergence of ads expense (ads) & take rate (e-commerce): This is a really interesting (and https://t.co/wbmYgcyOcz Agentic commerce's impact on merchants / platforms / Googl / payment ecosystem. The new"  
[X Link](https://x.com/sytaylor/status/1977681900400710042)  2025-10-13T10:24Z 60.8K followers, [----] engagements


"For years banks insisted they needed permissioned chains. Now they're explicitly exploring "a stable payment asset available on public blockchains." The stablecoin wars escalated. Bank balance sheets deposit insurance day-one G7 regulatory compliance and the credibility of Goldman Citi and UBS. This won't happen overnight but the implication is clear"  
[X Link](https://x.com/sytaylor/status/1977690382893752622)  2025-10-13T10:58Z 60.7K followers, [---] engagements


"@borjaneira_ Why an L2 specifically Why not a performant L1 Asking for a friend ☺🙃"  
[X Link](https://x.com/sytaylor/status/1977750695185940598)  2025-10-13T14:58Z 60.7K followers, [--] engagements


"In the L2 model banks acting as sequencers only have control over transaction ordering on the L2. The final settlement and security still depend on the decentralized permissionless L1 validators. There is a separation between the business-logic layer (L2) and the final settlement layer (L1). In a model where banks act as validators on the L1 they could control the entire process from transaction submission to final settlement. You'd have room for nonbank validators for credible neutrality. But you're in a better performance / control tradeoff place. Where the L2s now become a really nice"  
[X Link](https://x.com/sytaylor/status/1977752503547531368)  2025-10-13T15:05Z 60.7K followers, [--] engagements


"Revolut's UK banking license is being held up by the PRA. This is urgent but also INCREDIBLY hard mode. They're trying to navigate the largest bank mobilization in UK history. A company that already has 65M customers globally is asking permission to fully operate in its home market." --- The FT reports the PRA is holding up Revolut's full UK banking license over 'concerns about whether risk controls can keep pace with rapid overseas expansion." --- Revolut isn't a startup asking for a license to grow into. It's a global operation asking the UK to catch up. - 65M+ customers worldwide - 38+"  
[X Link](https://x.com/sytaylor/status/1978006202001813608)  2025-10-14T07:53Z 60.8K followers, 29.8K engagements


"ChatGPT can now complete Walmart purchases. That's potentially 12% of all US e-commerce coming to a conversational interface. --- Walmart announced a deal with OpenAI to let shoppers buy products directly through ChatGPT. No redirect to Walmart. com.The transaction happens inside the chat. This is OpenAI's "Instant Checkout" feature going live with America's largest retailer. ChatGPT is becoming an AI-first storefront for America's largest retailer. --- Walmart does $600B+ in annual revenue. Roughly 40% is onlinecall it $240B in potential GMV that could flow through ChatGPT's checkout layer."  
[X Link](https://x.com/sytaylor/status/1978149292704399720)  2025-10-14T17:21Z 60.8K followers, [----] engagements


"@tomfgoodwin This is about the research not the conversation. It's actually more UI than voice"  
[X Link](https://x.com/sytaylor/status/1978157102565560543)  2025-10-14T17:53Z 60.8K followers, [--] engagements


"What surprises me is that this came ahead of launching a Neobank or any sort of front-end brand via partnership. They skipped directly to hard mode. But the brand logic is sound"  
[X Link](https://x.com/sytaylor/status/1978723742978085190)  2025-10-16T07:24Z 60.8K followers, [--] engagements


"Mr Beast has proven his ability to branch out into consumer goods. And why shouldn't that empire grow I could see this being very brand-aligned if it helps consumers have good outcomes. Mr. Beast's content is all about making good things entertaining. Or can we make entertaining things create good outcomes"  
[X Link](https://x.com/sytaylor/status/1978723744513134823)  2025-10-16T07:24Z 60.8K followers, [---] engagements


"Wow Embedded Brex in core corporation operating software Imagine if Brex was a stablecoin wallet too. Massive win this morning as we announced our latest embedded partnership with Oracle. Thank you Larry Ellison for negotiating so nicely with me. Read more below: https://t.co/nSL9Lg4FqX Massive win this morning as we announced our latest embedded partnership with Oracle. Thank you Larry Ellison for negotiating so nicely with me. Read more below: https://t.co/nSL9Lg4FqX"  
[X Link](https://x.com/sytaylor/status/1978727414277574679)  2025-10-16T07:39Z 60.8K followers, [----] engagements


"@RogueCfpb I've heard bitcoin described as HQLA in progressively more capital markets conversations"  
[X Link](https://x.com/sytaylor/status/1979143717865812144)  2025-10-17T11:13Z 60.8K followers, [--] engagements


"It's volatility is decreasing over time as liquidity comes in. Fiat money is the exception in history not the rule. Scarce assets (usually gold) is a much more proven model of monetary stability. It still feels a decade or more early for bitcoin to be there. But you can see the lack of faith in fiat in the price of gold"  
[X Link](https://x.com/sytaylor/status/1979159211889099198)  2025-10-17T12:15Z 60.8K followers, [--] engagements


"In hindsight The $300 trillion dollar oopsie Crypto black Friday Are the type of things that happen when crypto has gotten over it's skis Meanwhile real world use of stablecoins continues to grow BREAKING: Bitcoin projected to crash below $100k this month. https://t.co/dqusTfTElS BREAKING: Bitcoin projected to crash below $100k this month. https://t.co/dqusTfTElS"  
[X Link](https://x.com/sytaylor/status/1979161933950390684)  2025-10-17T12:25Z 60.8K followers, [----] engagements


"#finovate was awesome. Congrats to @Etorro for best in show. I'll be signing up :-)"  
[X Link](https://x.com/sytaylor/status/32503279439056896)  2011-02-01T18:19Z 54.4K followers, [--] engagements


"@jonmatonis much of the reason to remove cash is precisely because of the money laundering and fraud"  
[X Link](https://x.com/sytaylor/status/554342544113692672)  2015-01-11T18:22Z 59.4K followers, [--] engagements


"@jonmatonis @jgarzik @itBit that's not it's design goal though. Goal is transparency and efficency"  
[X Link](https://x.com/sytaylor/status/623196905913323521)  2015-07-20T18:24Z 59.4K followers, [--] engagements


"@jonmatonis @wmougayar I got that. My comment was that to use that first you have to get the regulation right which is hard. Trust me"  
[X Link](https://x.com/sytaylor/status/641148273848356864)  2015-09-08T07:17Z 59.4K followers, [--] engagements


"@izakaminska @dgwbirch PoW is intentionally conflating the conversation"  
[X Link](https://x.com/sytaylor/status/643775230343680000)  2015-09-15T13:15Z 59.4K followers, [--] engagements


"@jonmatonis @digitsu @pierebel if your goal is censorship resistant digital cash then I agree. But that's the goal of very few"  
[X Link](https://x.com/sytaylor/status/655029292045369344)  2015-10-16T14:35Z 59.4K followers, [--] engagements


"The Call for #Blockchain Standards (or one single source code) is Premature and Alarmist via @coindesk http://bit.ly/1S5ra4k http://bit.ly/1S5ra4k"  
[X Link](https://x.com/sytaylor/status/722353514261975040)  2016-04-19T09:17Z 59.4K followers, [--] engagements


"And if there's a dispute and the cash is held in escrow who arbitrates You guessed it a middleman. #blockchain remaking what we have"  
[X Link](https://x.com/sytaylor/status/726687634601467908)  2016-05-01T08:20Z 60K followers, [--] engagements


"Conferences are where people who know how to use Twitter tell the audience what they learned on Twitter"  
[X Link](https://x.com/sytaylor/status/749907460547284992)  2016-07-04T10:07Z 54.3K followers, [--] engagements


"Tech is massively deflationary. We can't get inflation / growth. The boom is the bust https://x.com/paulvigna/status/765628325477974016 For all the 'outside the box' thinking #Fed's done it has simply trapped itself inside a bigger box. https://t.co/CIx4RCEUvB https://x.com/paulvigna/status/765628325477974016 For all the 'outside the box' thinking #Fed's done it has simply trapped itself inside a bigger box. https://t.co/CIx4RCEUvB"  
[X Link](https://x.com/sytaylor/status/765631367703105537)  2016-08-16T19:28Z 54.4K followers, [--] engagements


"@jonmatonis @izakaminska @timpastoor @Frances_Coppola John says too centralised Izzy says not central enough. Thorn between two roses here"  
[X Link](https://x.com/sytaylor/status/775608436738420736)  2016-09-13T08:13Z 59.4K followers, [--] engagements


"The Ethereum [---] casper whitepaper Aka the Mauve paper #Blockchain http://vitalik.ca/files/mauve_paper3.html http://vitalik.ca/files/mauve_paper3.html"  
[X Link](https://x.com/sytaylor/status/777935658534961152)  2016-09-19T18:21Z 54.4K followers, [--] engagements


"BTCPoint Creates [-----] Bitcoin-Enabled ATMs Using Spanish Bank Network via @CoinDesk well done @BrucePon http://bit.ly/1EvPeWT http://bit.ly/1EvPeWT"  
[X Link](https://x.com/sytaylor/status/781841789137321984)  2016-09-30T13:03Z 59.4K followers, [--] engagements


"GridX The future of energy markets by @ethereum_alex https://medium.com/gridx/gridx-the-future-of-energy-markets-da104c285363 https://medium.com/gridx/gridx-the-future-of-energy-markets-da104c285363"  
[X Link](https://x.com/sytaylor/status/865325018846298112)  2017-05-18T21:55Z 54.4K followers, [--] engagements


"Western Union Reveals Pilot Coinbase Integration and other #blockchain PoCs via @CoinDesk http://bit.ly/2sD2N5F http://bit.ly/2sD2N5F"  
[X Link](https://x.com/sytaylor/status/872551749571280898)  2017-06-07T20:32Z 54.4K followers, [--] engagements


"Want to know why ethereum is up Here it is in one chart #Blockchain"  
[X Link](https://x.com/sytaylor/status/873089058762706944)  2017-06-09T08:07Z 54.4K followers, [--] engagements


"Work in a bank Ever wondered what using @coinbase looked like or a crypto currency experience @11FSTeam Pulse got you 😎"  
[X Link](https://x.com/sytaylor/status/873151381246554113)  2017-06-09T12:14Z 54.4K followers, [--] engagements


"I'm surprised so many do actually. What's Blockchain HSBC Survey Finds 59% of Consumers Don't Know via @CoinDesk http://bit.ly/2twrYY2 http://bit.ly/2twrYY2"  
[X Link](https://x.com/sytaylor/status/877998047002640384)  2017-06-22T21:13Z 59.4K followers, [--] engagements


"Yes And this is much of what we're starting to see with Raiden / Plasma then things like Mist. https://twitter.com/triptananda/status/907513494140006400 https://twitter.com/triptananda/status/907513494140006400"  
[X Link](https://x.com/sytaylor/status/907533543194202112)  2017-09-12T09:17Z 60.6K followers, [--] engagements


"@JackGavigan @C1aranMurray @TheFCA @FinTechInsiders @coindesk @bchaininsider Traders gonna trade"  
[X Link](https://x.com/sytaylor/status/907581108992307200)  2017-09-12T12:26Z 55.2K followers, [--] engagements


"Frame this 👇👇 https://www.bloomberg.com/amp/news/articles/2017-09-12/jpmorgan-s-ceo-says-he-d-fire-traders-who-bet-on-fraud-bitcoin https://www.bloomberg.com/amp/news/articles/2017-09-12/jpmorgan-s-ceo-says-he-d-fire-traders-who-bet-on-fraud-bitcoin"  
[X Link](https://x.com/sytaylor/status/907678256681418752)  2017-09-12T18:52Z 54.4K followers, [--] engagements


"AXA Is Using Ethereum's PUBLIC #Blockchain for a New Flight Insurance Product via @CoinDesk http://bit.ly/2x158LY http://bit.ly/2x158LY"  
[X Link](https://x.com/sytaylor/status/908314557243908102)  2017-09-14T13:00Z 54.4K followers, [--] engagements


"@jamie247 @coindesk @colingplatt @cburniske @a16z @blockstack @onename @evernym @SovrinID We should chat on that. I don't know them well enough"  
[X Link](https://x.com/sytaylor/status/949292864177045510)  2018-01-05T14:53Z 55.3K followers, [--] engagements


"What's the best #blockchain identity use case or proposition you've seen I see holes in every single one. but then it's a HARD problem"  
[X Link](https://x.com/sytaylor/status/957675937344221184)  2018-01-28T18:05Z 54.3K followers, [--] engagements


"Token diversity is the key theme of [----] which created a sophisticated buy side including hedge funds $13bn raised in #icos #crypto #Consensus2018 @bchaininsider @coindesk"  
[X Link](https://x.com/sytaylor/status/996010252645556224)  2018-05-14T12:52Z 54.4K followers, [--] engagements

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