Efi Pylarinou

Efi Pylarinou

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Independent advisor on blockchain and FinTech policy [cite: 19].

Smarter AI Agents Expand Cybersecurity Attack Surface
SocialApr 7, 2026

Smarter AI Agents Expand Cybersecurity Attack Surface

🔺 AI Agents Are Getting Smarter and Their Attack Surface is Getting Bigger 😳 | Cybersecurity https://t.co/4yOZbkldG5 https://t.co/NdtoEK56SM

By Efi Pylarinou
Regulation Reveals Conflict: Prediction Markets Straddle Finance and Betting
SocialApr 7, 2026

Regulation Reveals Conflict: Prediction Markets Straddle Finance and Betting

The Financialization of Uncertainty https://t.co/GYMIfRPZzE Regulation has legitimized prediction markets, but it has also exposed a clear economic conflict. Prediction markets sit at the intersection of finance and betting, and do not fit cleanly into either category. That mismatch is where...

By Efi Pylarinou
Digital Twins Simulate Psychedelic Effects for Consciousness Disorders
SocialApr 7, 2026

Digital Twins Simulate Psychedelic Effects for Consciousness Disorders

Digital twins allow virtual clinical trials of psychedelics for disorders of consciousness 🧠↔🧠 | Innovation | Tech for Good. 💬 Using magnetic resonance imaging (MRI), scientists have developed personalized, whole-brain computational models of patients with disorders of consciousness. Using these...

By Efi Pylarinou
ISO 20022 & Blockchain Drive 2026 Payment Evolution
SocialApr 6, 2026

ISO 20022 & Blockchain Drive 2026 Payment Evolution

J.P. Morgan: 5 Payment Trends to Watch in 2026 4) Always Connected: ISO 20022 revolutionizing payments with richer data. 88% of finance pros say direct bank connectivity very/extremely beneficial, 85% would switch banks for direct ERP connectivity. 5) Blockchain Realized: 60%...

By Efi Pylarinou
Adyen Boosts Model Training 195× with NVIDIA
SocialApr 6, 2026

Adyen Boosts Model Training 195× with NVIDIA

@Adyen — 195x speedup in model training with NVIDIA accelerated computing. Real-time routing & conversion optimisation at $1T+ in payment volume. https://t.co/HxmnbS6Y8V

By Efi Pylarinou
Wall Street Launches 24/7 Tokenized Trading for Trillions
SocialApr 5, 2026

Wall Street Launches 24/7 Tokenized Trading for Trillions

Wall Street Braces for 24/7 Trading via Tokenization DTCC intends to tokenize entire $100 trillion asset catalog, beginning with U.S. Treasuries later this year. NYSE Digital Trading Platform (announced Jan 2026): 24/7 onchain trading + settlement of U.S. equities/ETFs, instant settlement,...

By Efi Pylarinou
Switzerland Secures Constitutional Right to Cash
SocialApr 5, 2026

Switzerland Secures Constitutional Right to Cash

Is physical money disappearing? Not if the Swiss have anything to say about it. Full video here: 👉 https://t.co/IAUzYbgXsT ➟ Connect on my LinkedIn (208,000 Followers): https://t.co/gizvhtU0kS 💬 In this video, we break down why Switzerland—one of the most technologically advanced financial hubs—just...

By Efi Pylarinou
ICE Pours $600M Into Polymarket, Launches Institutional Data Tool
SocialApr 4, 2026

ICE Pours $600M Into Polymarket, Launches Institutional Data Tool

ICE Invests Further $600M Into Polymarket ICE launched Polymarket Signals & Sentiment tool (Feb 2026): normalizes chaotic real-time trading data into structured feed = institutional traders see Polymarket's implied probabilities next to bond yields + S&P 500 futures. Context: Polymarket launching...

By Efi Pylarinou
Card Networks Secure Agentic Payments, Dispute Rules Lag
SocialApr 4, 2026

Card Networks Secure Agentic Payments, Dispute Rules Lag

Mastercard Completes Its First Live Authenticated Agentic Transaction in Hong Kong - HSBC and DBS on Production Rails An AI agent booked a ride to Hong Kong airport. HSBC and DBS authenticated it. Existing Mastercard rails settled it. The big card networks...

By Efi Pylarinou
Revolut's Tiny Fine Masks Looming AML Supervision Costs
SocialApr 3, 2026

Revolut's Tiny Fine Masks Looming AML Supervision Costs

Revolut's 2025 profit: $2.3 billion. The Lithuanian AML fine: €3.5 million. Trivial relative to profit. But it may have just put Revolut at the top of AMLA's direct supervision list starting 2028. AMLA supervision isn't a fine. It's a permanent structural overhead. That changes...

By Efi Pylarinou
Revolut's PRAGMA AI: Data Moat Boosts Fraud Detection
SocialApr 3, 2026

Revolut's PRAGMA AI: Data Moat Boosts Fraud Detection

Revolut Builds Its Own Foundation Model - PRAGMA Trained on 40 Billion Behavioral Events Revolut is building the AI infrastructure incumbents will struggle to replicate. PRAGMA: trained on 40B behavioral events from 25M users. 20% better fraud detection. Money laundering investigations from...

By Efi Pylarinou
Investors Flee OpenAI for More Profitable Anthropic
SocialApr 3, 2026

Investors Flee OpenAI for More Profitable Anthropic

🚨 Investors abandon OpenAI and flock to arch rival Anthropic | OpenAI’s shocking fall from grace as investors race to Anthropic ✅ OpenAI shares are falling out of favour on secondary markets — in some cases nearly impossible to sell —...

By Efi Pylarinou
Public Chain + ZK Proofs Enable Regulator Transparency, User Privacy
SocialApr 3, 2026

Public Chain + ZK Proofs Enable Regulator Transparency, User Privacy

Every bank building tokenized deposits chose a private or permissioned chain. @monument_bank chose a public chain - 𝐂𝐚𝐫𝐝𝐚𝐧𝐨’𝐬 𝐌𝐢𝐝𝐧𝐢𝐠𝐡𝐭 𝐧𝐞𝐭𝐰𝐨𝐫𝐤 - and solved privacy with zero-knowledge proofs. Regulators see everything. The public sees nothing. This is what convergence looks like in practice. https://t.co/JGUF1elkZI

By Efi Pylarinou
ANT Scales 300% Revenue, Expands Across Asia
SocialApr 3, 2026

ANT Scales 300% Revenue, Expands Across Asia

ANT`s performance Hong Kong HQ (since April 2025) → 300+ partners + 10K+ biz customers → 300% revenue growth. Regional momentum: Malaysia (Kenanga Investment Bank wealth Super App, TNG Digital 16M verified users), Indonesia, Philippines, driving growth. ZOLOZ eKYC deployed...

By Efi Pylarinou
Revolut Fined €13M in Italy, Compliance Gaps Persist
SocialApr 3, 2026

Revolut Fined €13M in Italy, Compliance Gaps Persist

Reuters just reported `Italy fines Revolut over $13 million for alleged unfair commercial practices.` Some will say, the fine is small and is part of doing business. That isn't okay for the leading innovator and especially after a year-on-year increase in...

By Efi Pylarinou
Monument Bank Launches BaaS Platform for Building Societies
SocialApr 2, 2026

Monument Bank Launches BaaS Platform for Building Societies

Monument Bank isn't just tokenizing deposits for its own clients. It's packaging the entire blueprint - legal, regulatory, technical - as a BaaS platform for building societies. First client: Ecology Building Society. From interest income to recurring SaaS fees. Details https://t.co/JGUF1elkZI

By Efi Pylarinou
Memory Chip Survives Lava‑Hot Temperatures, Defying Thermal Limits
SocialApr 2, 2026

Memory Chip Survives Lava‑Hot Temperatures, Defying Thermal Limits

New memory chip survives temperatures hotter than lava 🌋 😳 💬 The electronics inside your phone, your car, and every satellite currently orbiting Earth share one critical weakness: heat. Push them past about 200 degrees Celsius and they start to fail....

By Efi Pylarinou
Cross‑border Interoperability Makes WERO, Euro CBDC Essential
SocialApr 2, 2026

Cross‑border Interoperability Makes WERO, Euro CBDC Essential

The WERO cross border interoperability is what matters most. Wero, Euro stablecoins, the Euro CBDC, and the EU ID; are foundational and will have network effects.

By Efi Pylarinou
Stablecoin AI Payment Hype Crashes as Volumes Plummet
SocialApr 1, 2026

Stablecoin AI Payment Hype Crashes as Volumes Plummet

Stablecoin Firms Bet Big on AI Agent Payments That Barely Exist Stripe co-founder Collison projects "torrent of agentic commerce" on crypto rails: 24/7 settlement at <$0.01 per transaction = structural advantage vs card networks on micro-payments. Reality check: x402 volumes dropped...

By Efi Pylarinou
Revolut’s $6B Revenue Masks Four Hidden Fault Lines
SocialApr 1, 2026

Revolut’s $6B Revenue Masks Four Hidden Fault Lines

Revolut: $6B revenue. 38% margins. The North Star of banking. I found four fault lines that the earnings release doesn't mention. Full analysis on Substack / Subscribe 👇 https://t.co/kJ1iPnoooe https://t.co/B0plPkOngz

By Efi Pylarinou
Bridging the Gap: Deploy AI Agents in Critical Business
SocialApr 1, 2026

Bridging the Gap: Deploy AI Agents in Critical Business

The opportunity and responsibility to narrow the gap and implement AI agents in more business critical use cases. Live from @GenAIZurich @SandboxAQ https://t.co/ZZqCcsuQ1a

By Efi Pylarinou
Pleasing Chatbots Diminish Our Willingness to Admit Errors
SocialApr 1, 2026

Pleasing Chatbots Diminish Our Willingness to Admit Errors

🔺 Chatbots ‘Optimized to Please’ Make Us Less Likely to Admit When We’re Wrong https://t.co/sIaUqfBKQz https://t.co/MJsdJxcLRR

By Efi Pylarinou
Four Agentic Commerce Models to Power Financial Discovery
SocialMar 31, 2026

Four Agentic Commerce Models to Power Financial Discovery

There are 4 agentic commerce models for Banks, Fintechs, and Insurance. You can play on several fronts. Start the foundational work. Where will you be discoverable? 🎥 Agentic Commerce: 4 Models for Banks & Fintechs (10min full video )https://t.co/aeoEeYpOBM https://t.co/miAd0gAxJp

By Efi Pylarinou
Ant Digital Shows Fintech Can Match Hyperscalers with Full‑Stack AI
SocialMar 31, 2026

Ant Digital Shows Fintech Can Match Hyperscalers with Full‑Stack AI

Ant Digital Unveils Full-Stack AGI Architecture at IDC Question: Can fintech giants compete with hyperscalers on full-stack AI? Ant Digital positioning with complete vertical integration: → proprietary foundation models (Ling-1T trillion params) → finance-grade agent platform (Agentar-Fin-R1) → specialized infrastructure (ZOLOZ...

By Efi Pylarinou
Expert Witnesses Essential as AI Advice Liability Gaps Grow
SocialMar 30, 2026

Expert Witnesses Essential as AI Advice Liability Gaps Grow

When Conversational AI Meets the Courtroom: Why Expert Witnesses Matter for Financial Services Question: if agentic AI becomes standard for financial advice, who's liable when the agent hallucinates? Expert witnesses assess training data + logs to reconstruct chatbot behavior, determine foreseeability...

By Efi Pylarinou
Monument Bank Launches Tokenized Deposits for Mass‑Affluent
SocialMar 30, 2026

Monument Bank Launches Tokenized Deposits for Mass‑Affluent

Tokenized deposits on a public blockchain. Not Citi. Not HSBC. Not the Big Six. A UK challenger bank targeting the mass affluent - @monument_bank Full post + carousel 👇 https://t.co/Kg4TjAbsqA https://t.co/ooy6zhmCvb

By Efi Pylarinou
DeepMind Defines 10 Traits to Measure AGI Progress
SocialMar 30, 2026

DeepMind Defines 10 Traits to Measure AGI Progress

Google DeepMind Plans to Track AGI Progress With These 10 Traits of General Intelligence 🤖 There's plenty of hand-waving around AGI. DeepMind hopes to change that with a new, more rigorous approach. https://t.co/pWnC5DUQtC https://t.co/F9A9KEOCNK

By Efi Pylarinou
Starling Unveils UK's First Agentic AI Money Manager
SocialMar 30, 2026

Starling Unveils UK's First Agentic AI Money Manager

Starling Bank just gave its AI permission to move your money. Not advise. Execute. Starling's agentic assistant is live and the CIO chairs the Bank of England's AI Taskforce. Starling Bank Launches UK's First Agentic AI Money Manager https://t.co/guiDaZ3vdT

By Efi Pylarinou
Compliance as Code: GENIUS Act Redefines Financial Infrastructure
SocialMar 29, 2026

Compliance as Code: GENIUS Act Redefines Financial Infrastructure

🔺 Is the "old era" of compliance finally dead? 🪦 In this episode of Fintech Conversations & Insights, Beth Haddock (Stablecoin Standard) explains why the GENIUS Act is forcing a total rethink of financial infrastructure. We dive into: ❌ Why "Honeypot" data collection...

By Efi Pylarinou
MAS Releases Comprehensive AI Governance Framework with Case Studies
SocialMar 29, 2026

MAS Releases Comprehensive AI Governance Framework with Case Studies

MAS dropped 173 pages of operational AI governance - agentic AI named explicitly. DBS, BlackRock, Julius Baer case studies. This is what exam-ready governance looks like. MAS unveils AI Risk Management Toolkit for Singapore's financial sector https://t.co/zLPlP0lcaL

By Efi Pylarinou
UBS Secures US Bank Charter to Boost Wealth Management
SocialMar 28, 2026

UBS Secures US Bank Charter to Boost Wealth Management

UBS Receives OCC Approval for U.S. National Bank Charter The move is a strategic milestone to strengthen its wealth management platform and compete directly with U.S. incumbents for deposits and lending. https://t.co/1RV5wrV7wp

By Efi Pylarinou
Liquid Molecule Stores Sunlight, Releases Heat On Demand
SocialMar 28, 2026

Liquid Molecule Stores Sunlight, Releases Heat On Demand

Scientists “Bottle the Sun” With Revolutionary Liquid Battery 🔋 ☀️ https://t.co/OwRj1KreUq 💬 Solar energy has one persistent weakness: it disappears at sunset. Finding a reliable way to store that energy for later use remains one of the biggest obstacles to expanding renewable...

By Efi Pylarinou
Walmart's OpenAI Exit Signals AI Model Battle for Finance
SocialMar 27, 2026

Walmart's OpenAI Exit Signals AI Model Battle for Finance

Walmart dropping OpenAI is hitting the headlines. What does this reveals about Agentic Commerce and what every Bank, Insurer, and Fintech should take from it? Which model will financial institutions choose when AI agents start selecting and purchasing financial products on...

By Efi Pylarinou
Guard Your Mind: Choose Content, Protect Self‑Care
SocialMar 27, 2026

Guard Your Mind: Choose Content, Protect Self‑Care

This has to become a principle of Self-care. Choose wisely because: “Anything you feed your mind you will internalize. Anything you feed the internet, it will attempt to kill.” says Taylor Swift.

By Efi Pylarinou
Oracle Unifies AI Data Stack for a Single Truth
SocialMar 27, 2026

Oracle Unifies AI Data Stack for a Single Truth

🔺 Oracle converges the AI data stack to give enterprise agents a single version of truth https://t.co/YfnvGBO7C7 https://t.co/kkvDJLju6Z

By Efi Pylarinou
Banks Must Measure AI Impact, Not Training Completion
SocialMar 26, 2026

Banks Must Measure AI Impact, Not Training Completion

Redesign Work, Realize AI: How Banks Must Measure and Reorganize to Turn AI from Experiments into Durable ROI Stop measuring training completions. Start measuring: cycle time, cost-to-serve, throughput, risk outcomes. Three-dimension framework: capability adoption (role-specific literacy, agent management) + workflow transformation...

By Efi Pylarinou
Mini Brains Rewire to Balance Digital Pole
SocialMar 26, 2026

Mini Brains Rewire to Balance Digital Pole

🔺 These Mini Brains Just Learned to Solve a Classic Engineering Problem 🧠 In a step toward biological computing, brain organoids rewired their networks as they learned to balance a digital pole on a cart. https://t.co/w2wHDTvIVp https://t.co/h51xTVlR4D

By Efi Pylarinou
Invesco Acquires Superstate Tokenized MMF, Marking Trad
SocialMar 25, 2026

Invesco Acquires Superstate Tokenized MMF, Marking Trad

BOOM: Invesco to Acquire Superstate's USTB Tokenized MMF Management One of first acquisitions of a crypto-native fund by TradFi asset manager. TradFi now majority of top 10 tokenized MMFs $2.2T asset manager Invesco acquiring management of $USTB ($950M AUM, 5th largest tokenized...

By Efi Pylarinou
AI Agents Get Stablecoin Wallets, Fueling Agentic Economy
SocialMar 25, 2026

AI Agents Get Stablecoin Wallets, Fueling Agentic Economy

The two tracks of the Agentic Economy: 🔹 Delegate Economy — humans delegating to agents 🔹 Machine Economy — machines transacting autonomously Coinbase is giving AI agents stablecoin wallets. The primitives are being built right now. Full breakdown 👇 https://t.co/kcWeUzPy7R https://t.co/oyrkNzRW6b

By Efi Pylarinou
Stripe, Affirm Merge BNPL with Agentic AI, Klarna Joins
SocialMar 25, 2026

Stripe, Affirm Merge BNPL with Agentic AI, Klarna Joins

Affirm and Stripe Team to Combine BNPL and Agentic AI SPTs let ANY merchant offering Affirm accept transactions in agentic flows (even without direct Stripe integration). Stripe direct merchants get capability now, non-Stripe merchants later 2026. Stripe also announced parallel Klarna...

By Efi Pylarinou
Robinhood Buyback: Dip Play Amid Crypto‑Driven Fragility
SocialMar 25, 2026

Robinhood Buyback: Dip Play Amid Crypto‑Driven Fragility

Robinhood Stock Rises After $1.5 Billion Buyback as Shares Stay Under Pressure Question: if stock tripled in 2025 then dropped 39% in 2026, is $1.5B buyback buying the dip or catching a falling knife? Robinhood's crypto reliance = structural vulnerability when...

By Efi Pylarinou
ServiceNow and Visa Deploy Agentic AI for Payments
SocialMar 24, 2026

ServiceNow and Visa Deploy Agentic AI for Payments

ServiceNow and Visa Bind Agentic AI to Payments: A Live Test of Enterprise AI in Regulated, Revenue-Critical Workflow AI-powered payment dispute platform automating end-to-end workflows. ServiceNow's agentic AI + AI Control Tower applied to regulated payments operations. https://t.co/q1KioQdJwE

By Efi Pylarinou
Crypto Indexing Can't Beat Bitcoin Without New Model
SocialMar 24, 2026

Crypto Indexing Can't Beat Bitcoin Without New Model

🔺 The "Vanguard Moment" for Crypto? Not quite. Most investors treat crypto like equities, but the data tells a different story. If you’re trying to build a crypto index that actually beats Bitcoin, you’re fighting a structural uphill battle. Delve into...

By Efi Pylarinou
Tokenized Money Threatens Traditional Banking by 2030
SocialMar 22, 2026

Tokenized Money Threatens Traditional Banking by 2030

🔺 The $2 Trillion Shift: Is Tokenized Money About to Kill Traditional Banking? 💸 By 2030, tokenized money could be a $2T market. But while the tech is moving fast, the global financial map is becoming a "fragmented mess" of rules. 💬...

By Efi Pylarinou
PayPal Expands PYUSD Stablecoin to 70 Countries, Paying Creators
SocialMar 20, 2026

PayPal Expands PYUSD Stablecoin to 70 Countries, Paying Creators

PayPal Scales PYUSD Stablecoin to Reach 70 Countries | https://t.co/ApQ8VoYEl2 https://t.co/RGyJzshUXi YouTube creators can get paid in PYUSD (rolled out for US users)

By Efi Pylarinou
SEC, CFTC Unveil Taxonomy Ending Crypto Grey Zone
SocialMar 19, 2026

SEC, CFTC Unveil Taxonomy Ending Crypto Grey Zone

🚀 The End of the "Grey Zone"? SEC & CFTC’s Landmark Crypto Taxonomy Explained The "Securities and Everything Commission" era is officially over. The SEC and CFTC released a joint 5-category taxonomy that finally brings a "common language" to digital finance. The...

By Efi Pylarinou
Airwallex Invests $1.1B to Expand Across Europe
SocialMar 19, 2026

Airwallex Invests $1.1B to Expand Across Europe

European fintech News: Airwallex commits $1.1 billion to European expansion, with Spain and Sweden in its sights. The cross-border payments company plans to invest significantly in Europe over the next five years, marking its most substantial push outside the Asia-Pacific...

By Efi Pylarinou
AI Agents Poised to Capture Up to 25% E‑Commerce
SocialMar 18, 2026

AI Agents Poised to Capture Up to 25% E‑Commerce

J.P. Morgan & Mirakl Nexus Unveil AI Agent Checkout A first-of-its-kind solution designed to enable secure AI agent checkouts for enterprise merchants. J.P. Morgan’s tokenization and fraud protection to allow agents to move from "browsing" to "buying" within a regulated framework....

By Efi Pylarinou
Bank AI Advances, yet Human Support Stuck on Hold
SocialMar 18, 2026

Bank AI Advances, yet Human Support Stuck on Hold

Debit card eaten by ATM after 2 incorrect PINs. I have been 17 min deep in phone hell: 'All agents busy, please hold...' repeat forever. Agentic AI can reason & act autonomously, but my bank's hold music can't even connect me to...

By Efi Pylarinou