Efi Pylarinou

Efi Pylarinou

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

AI‑Native Banking OS Shifts Focus From Accounts to Customers
SocialMay 31, 2026

AI‑Native Banking OS Shifts Focus From Accounts to Customers

The End of Account-Centric Banking: Jouk Pleiter on Backbase's AI-Native Banking OS See the full episode here: 👉 https://t.co/cYBd83keTh What does an AI-native bank actually look like? Jouk Pleiter, founder and CEO of Backbase, argues that adding AI to a fragmented banking...

By Efi Pylarinou
Waymo Hires Gig Workers to Close Robotaxi Doors
SocialMay 29, 2026

Waymo Hires Gig Workers to Close Robotaxi Doors

New jobs for humans or craziness? Waymo is paying DoorDash gig workers to close its robotaxi doors https://t.co/e5eyCIW0x2 https://t.co/WvvpAkTUaS

By Efi Pylarinou
20‑Legged Sea Urchin Robot Redefines Mobility
SocialMay 28, 2026

20‑Legged Sea Urchin Robot Redefines Mobility

It looks like a sea urchin, but this strange 20-legged machine is rewriting what robots can do 🤖 https://t.co/7vek2pVVfG https://t.co/zNQAGDKa5x

By Efi Pylarinou
Motif's Clarity AI Maps Financial Relationships Over Time
SocialMay 25, 2026

Motif's Clarity AI Maps Financial Relationships Over Time

Most AI in financial services retrieves information. It doesn't understand it. motif (backed by Temasek) just launched Clarity — a temporal knowledge graph that maps how markets, assets, and financial relationships connect and evolve over time. The hallucination problem in wealth advisory...

By Efi Pylarinou
BlackRock Files Tokenized Treasury and Stablecoin Funds
SocialMay 22, 2026

BlackRock Files Tokenized Treasury and Stablecoin Funds

BlackRock Submits New Tokenized Fund Structure via Securitize BUIDL is at $2.3B. Now two new fund filings: BSTBL (treasury liquidity) and BRSRV (stablecoin reserve). https://t.co/VssuSMNbWN

By Efi Pylarinou
Securitize Posts $19.5M Q1, Pre‑Nasdaq Debut
SocialMay 22, 2026

Securitize Posts $19.5M Q1, Pre‑Nasdaq Debut

Tokenization: Securitize just reported $19.5M in Q1 2026 revenue — ahead of its Nasdaq debut via Cantor Equity Partners II. Institutional partnerships. The Trump International Hotel & Resort in the Maldives tokenized. The global RWA market expanding fast. 🔗 Securitize Reports First...

By Efi Pylarinou
Tokenized Treasuries Enable Institutional Yield‑Bearing Collateral
SocialMay 21, 2026

Tokenized Treasuries Enable Institutional Yield‑Bearing Collateral

OKX, BlackRock and Standard Chartered: Tokenized Treasuries as Collateral A G-SIB just used BlackRock's BUIDL tokens as yield-bearing margin on OKX. Standard Chartered as custodian. Your collateral earns Treasury yield while it's locked. This is capital efficiency that TradFi couldn't offer...

By Efi Pylarinou
Japan Launches World’s First Fully Automated Medicine Lab
SocialMay 16, 2026

Japan Launches World’s First Fully Automated Medicine Lab

Japan: World-first fully automated medicine lab with humanoids, robots and no humans 🇯🇵 https://t.co/FK5BuHzQyN https://t.co/UQqEEWcPgW

By Efi Pylarinou
Pagaya's AI Engine May Be Undervalued Despite One-Off Loss
SocialMay 13, 2026

Pagaya's AI Engine May Be Undervalued Despite One-Off Loss

Pagaya Tech (NASDAQ: PGY): AI Credit Platform (small cap) Helps banks/fintechs/auto lenders assess loans, package into ABS. GAAP profitable, low P/E vs peers. But $140M one-off loss + relies on external borrowing. Market underpricing AI engine or pricing risk correctly? https://t.co/02retTW6kn

By Efi Pylarinou
Europe's Banks Deploy Smart Bond Contracts on Blockchain
SocialMay 12, 2026

Europe's Banks Deploy Smart Bond Contracts on Blockchain

European milestones for natively digital debt: 1️⃣ 🇩🇪: DZ BANK & KfW mapped the full lifecycle of a crypto bond on a public blockchain - proving Smart Bond Contracts can autonomously handle payments. https://t.co/3WAevr3yBs 2️⃣🇨🇭: Keyrock issued an on-chain corporate bond via Sygnum...

By Efi Pylarinou
Paytm Uses Luxembourg to Launch European Fintech Expansion
SocialMay 12, 2026

Paytm Uses Luxembourg to Launch European Fintech Expansion

Paytm Expands to Europe via Luxembourg Hired Nasir Zubairi to lead regional ops. Sharma at Nexus: AI fraud detection, credit scoring, payment infrastructure. India's fintech model = third template alongside US/China. Luxembourg as EU gateway for global fintechs https://t.co/SGolZkVXzx

By Efi Pylarinou
Vanguard AI Shifts Advisors From Assistants to Decision Partners
SocialMay 11, 2026

Vanguard AI Shifts Advisors From Assistants to Decision Partners

Vanguard AI Portfolio Analysis: Beyond Assistants to Decision-Support Advisors upload portfolios, get stress tests + healthcare cost projections + Social Security optimization. Three phases: assist, augment, act. Advisors remain final decision makers https://t.co/qdxRQ6OW5z

By Efi Pylarinou
AI Models Become Banks' New Competitive Moat
SocialMay 10, 2026

AI Models Become Banks' New Competitive Moat

Revolut's Pragma: Financial Game Changer or Niche Tool? Conversations and Insights with NVIDIA's Georgios Kolovos. Full video: 👉 https://t.co/BOdoxP14ld 💬 Is Revolut’s "Pragma" the breakthrough the financial world has been waiting for, or just another niche update? 📈 We explore how...

By Efi Pylarinou
PayPal Rebrands as Tech Company, Embraces AI
SocialMay 8, 2026

PayPal Rebrands as Tech Company, Embraces AI

PayPal says it’s ‘becoming a technology company again’ — that means AI 🤖 💬 PayPal is looking toward the future, despite its falling stock and looming layoffs. In its first-quarter earnings call, CEO Enrique Lores told investors that PayPal needs...

By Efi Pylarinou
Morgan Stanley Enters Crypto, Threatening Coinbase Amid Clarity Push
SocialMay 8, 2026

Morgan Stanley Enters Crypto, Threatening Coinbase Amid Clarity Push

Morning Minute: Morgan Stanley Is Coming for Coinbase ⚔️ 💬 Morgan Stanley just launched crypto trading on ETrade, while the White House wants the Clarity Act signed by July 4. https://t.co/SJofPaYnQE https://t.co/7ilJCNJ7lH

By Efi Pylarinou
AI Agent Erases Three Months of Data in Seconds
SocialMay 7, 2026

AI Agent Erases Three Months of Data in Seconds

AI ALERT: This Founder Watched an AI Agent Destroy 3 Months of Company Data: 'It Took 9 Seconds' Cursor agent (Claude Opus 4.6) autonomously deleted entire database + 90-day backups without permission. Agent's confession: "I violated every principle...guessed instead of...

By Efi Pylarinou
Dimon Warns Cyber, Not Geopolitics, as Top Economic Threat
SocialMay 7, 2026

Dimon Warns Cyber, Not Geopolitics, as Top Economic Threat

Jamie Dimon's Greatest Economic Threat Shifts From Geopolitics to Cyber Years of "geopolitics" now replaced by "Cyber" as immediate answer. "Bad guys getting stronger at finding vulnerabilities." Context: Mythos risks, market rout. AI's potential = massive risk https://t.co/KfQmID9F51

By Efi Pylarinou
NVIDIA Explores Revolut's PRAGMA and Transaction Foundation Models
SocialMay 7, 2026

NVIDIA Explores Revolut's PRAGMA and Transaction Foundation Models

Watch our dicsussion w/ Georgios Kolovos, #NVIDIA's Payments and Fintech practice in EMEA, on 𝐑𝐞𝐯𝐨𝐥𝐮𝐭'𝐬 𝐏𝐑𝐀𝐆𝐌𝐀, 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧 𝐅𝐨𝐮𝐧𝐝𝐚𝐭𝐢𝐨𝐧 𝐌𝐨𝐝𝐞𝐥𝐬 & 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐁𝐚𝐧𝐤𝐢𝐧𝐠! Full discussion 👉 https://t.co/nJSsfnXgBH https://t.co/aR8XqBtoLW

By Efi Pylarinou
Solana Outperforms Ethereum in On‑chain Capital Markets
SocialMay 6, 2026

Solana Outperforms Ethereum in On‑chain Capital Markets

Solana leads in performance for on-chain Capital Markets, even though Ethereum has x8 more RWA tokenized assets. Investing in the Tokenization Megatrend https://t.co/f9xh0mGAj1 https://t.co/JSQKfFtva9

By Efi Pylarinou
Compute Futures Inevitable as Financialization Expands
SocialMay 6, 2026

Compute Futures Inevitable as Financialization Expands

Energy futures are nothing new. So Compute Futures will happen. The financialization of everything continues.

By Efi Pylarinou
Distribution, Not Models, Is AI’s Biggest Bottleneck
SocialMay 5, 2026

Distribution, Not Models, Is AI’s Biggest Bottleneck

OpenAI: $10B JV with TPG, Brookfield, Bain, SoftBank. Anthropic: $1.5B JV with Blackstone, Goldman, Hellman & Friedman. Same day. Same bet. AI's bottleneck isn't the model. It's distribution. And no consulting firm made either cap table. https://t.co/sxE6VUEoAG

By Efi Pylarinou
Tokenization Boom: Choose Open Architecture or Institution‑Centric Networks
SocialMay 5, 2026

Tokenization Boom: Choose Open Architecture or Institution‑Centric Networks

Investing in the Tokenization Megatrend The two competing networks: Open architecture networks and Institution-centric networks. https://t.co/f9xh0mGAj1 https://t.co/KGXBWoMKI7

By Efi Pylarinou
Cross‑design Robots Can Now Share Learned Skills Instantly
SocialMay 4, 2026

Cross‑design Robots Can Now Share Learned Skills Instantly

Robots With Different Designs Can Now Share Skills 🤖 ↔ 🤖 💬 Abilities taught to one robot don't usually work on another. With a new approach, it's one and done. https://t.co/sUQs1Qw4ZR https://t.co/oGEOmJtScF

By Efi Pylarinou
XAI Unveils Affordable Grok 4.3 with Rapid Voice Cloning
SocialMay 4, 2026

XAI Unveils Affordable Grok 4.3 with Rapid Voice Cloning

xAI launches Grok 4.3 at an aggressively low price and a new, fast, powerful voice cloning suite 📣 👉 https://t.co/fT7JvuY5Ws https://t.co/0CuJJNMyT8

By Efi Pylarinou
Modernization Is Essential to Govern Amid Rapid Machine Threats
SocialMay 3, 2026

Modernization Is Essential to Govern Amid Rapid Machine Threats

Great read: Mythos, Glasswing and the End of the Legacy Truce in Banking - Paul Krogdahl `In this new world, progressive modernisation is no longer a nice-to-have transformation agenda. It is the practical programme for staying governable when machines can...

By Efi Pylarinou
AI Coding Needs Clear Writing and Basic CS Knowledge
SocialMay 2, 2026

AI Coding Needs Clear Writing and Basic CS Knowledge

What skills do people need to successfully program with AI? 🤖 💬 The new trend of "vibe coding" allows people to program software without writing a single line of code. Now, a new study by ETH Zurich published in the...

By Efi Pylarinou
Fintech Funding Shifts to Fewer AI-Driven Mega‑Deals
SocialMay 1, 2026

Fintech Funding Shifts to Fewer AI-Driven Mega‑Deals

Q1 2026 Fintech Funding Concentrates: $12B Raised Across 31% Fewer Deals Crunchbase data: total funding up 5% YoY, but flowing into far fewer, larger "mega-deals." Flight to quality = investors prioritizing AI-native fintechs solving mission-critical workflows over broader consumer applications. Consolidation...

By Efi Pylarinou
Banks Must Audit Geographic Clauses After Goldman Blocks Claude
SocialMay 1, 2026

Banks Must Audit Geographic Clauses After Goldman Blocks Claude

Goldman Blocked Claude in Hong Kong After Contract Geography Reinterpretation Anthropic: never officially supported there. Other models remain. Despite lockout, still building agents together. Risk: banks must audit geographic clauses - DOJ/BIS enforcement threat https://t.co/5uz3V5sbt7

By Efi Pylarinou
China Unveils CPU‑only 2 Exaflop Exascale Supercomputer
SocialApr 30, 2026

China Unveils CPU‑only 2 Exaflop Exascale Supercomputer

China announces CPU-only exascale supercomputer with 47,000 homemade processors, record 2 Exaflops of performance without GPUs — Lingshen super said to use Huawei Kunpeng servers and no foreign-made components 🇨🇳 https://t.co/o9cxVXmZkz https://t.co/jHyCkpDMP8

By Efi Pylarinou
Nubank Invests $7.9B to Boost AI and Inclusion
SocialApr 29, 2026

Nubank Invests $7.9B to Boost AI and Inclusion

Nubank Doubles Down: R$45 Billion (~$7.9B USD) to Scale AI, Products and Financial Inclusion in Brazil 2026 investment = nearly double commitment over two years. Funds target: AI-driven platforms, credit models, new products, hiring, office expansion + R$2.5B infrastructure (over 5...

By Efi Pylarinou
Delegate Economy Stack Accelerates; Adoption Remains the Next Frontier
SocialApr 29, 2026

Delegate Economy Stack Accelerates; Adoption Remains the Next Frontier

The Delegate Economy stack is maturing faster than anyone expected. Version 1 of the stack: protocol war, authentication-only trust layer, limited UCP capabilities. Version 2: UCP as the emerging industry standard, Verifiable Intent as the authorization layer, real-time product data as the...

By Efi Pylarinou
New Research Restores Original Sensor Data From AI-Edited Photos
SocialApr 28, 2026

New Research Restores Original Sensor Data From AI-Edited Photos

Restoring What Your Camera Captured Before AI Changed It 📸 💬 How can you protect the sanctity of a raw photograph from AI interference when it’s already been automatically run through AI inside the camera? New research seeks to restore...

By Efi Pylarinou
Fintechs Launch New Transactional Foundational Model Class
SocialApr 28, 2026

Fintechs Launch New Transactional Foundational Model Class

A new class of transactional foundational models developed by Fintechs and Finserv, has emerged. Visual by G. Kolovos @nvidia https://t.co/ROE03tZdSW

By Efi Pylarinou
Fintech Giants Converge on AI-Native Future, Diverge in Architecture
SocialApr 27, 2026

Fintech Giants Converge on AI-Native Future, Diverge in Architecture

Three digitally native Fintech & Techfin hyperscalers are building toward the same destination. Becoming AI-native. They're taking completely different roads to get there. The architecture of these three Fintechs isn't a purely technical choice. It's a mirror of each business model and...

By Efi Pylarinou
Tokenized Treasuries Surge as Institutions Adopt 24/7 Collateral
SocialApr 27, 2026

Tokenized Treasuries Surge as Institutions Adopt 24/7 Collateral

Q1 2026 Real World Asset Tokenization Market Report https://t.co/yGJ4xZoLFM shows that tokenized Treasuries have become the fastest-growing on-chain asset class in 2026. Growth is being driven by massive inflows into Circle’s USYC ($2.7B) and BlackRock’s BUIDL ($2.4B), as institutions use...

By Efi Pylarinou
AI‑Native Banking OS Powers Autonomous Agent Infrastructure
SocialApr 26, 2026

AI‑Native Banking OS Powers Autonomous Agent Infrastructure

AI-Native Banking OS: What Does That Actually Mean? @backbase April 28 global reveal - Jouk Pleiter + Tim Rutten unveil the architecture for Agentic Banking. Not "digital transformation". Infrastructure purpose-built for autonomous agents, real-time decisioning, and composable services. Register. EMEA/APAC (1:00...

By Efi Pylarinou
Financial Giants Hedge as Agentic Rails Transform Commerce
SocialApr 26, 2026

Financial Giants Hedge as Agentic Rails Transform Commerce

Visa, Stripe, Coinbase, JP Morgan - everyone’s hedging their bets as agentic rails reshape commerce. Discover how to integrate into both legacy and machine-to-machine economies in my new article. https://t.co/fWAC0ztm61 https://t.co/JV9vEpMdN6

By Efi Pylarinou
28% Employees Prefer AI Managers Over Humans
SocialApr 26, 2026

28% Employees Prefer AI Managers Over Humans

The shocking ⚡️ Truth 😳 ⤵ 300,000 voices just revealed a truth most leaders are ignoring: 28% of employees would actually prefer an AI manager over a human one. 🤖 👉 Watch the full breakdown here: https://t.co/E9283whE87 https://t.co/NDJ2AYJ2eI

By Efi Pylarinou
Dynasty Teams with Ester for AI‑Powered Estate Tax Insights
SocialApr 24, 2026

Dynasty Teams with Ester for AI‑Powered Estate Tax Insights

Dynasty Embeds https://t.co/33aR1yzWFH's Ester to Deliver AI Estate and Tax Intelligence to Advisors First external partner contributing dedicated agent to Dynasty's AI suite. Ester analyzes estate plans, accounts, documents, notes, emails, CRM data → generates tax + trust insights for advisors....

By Efi Pylarinou
NY Sues Coinbase, Gemini in Prediction Market Showdown
SocialApr 24, 2026

NY Sues Coinbase, Gemini in Prediction Market Showdown

🚨 New York sues Coinbase and Gemini Titan in three-way war over who controls America’s prediction market boom 💥 Source: https://t.co/d5g4nW68KA https://t.co/uroOTmwMZ4

By Efi Pylarinou
TradFi and DeFi Converge via Blockchain Tokenization Alliance
SocialApr 24, 2026

TradFi and DeFi Converge via Blockchain Tokenization Alliance

Ondo Finance, Clearstream, 360X Form Alliance To Merge TradFi with Blockchain-Based Tokenization The line between DeFi and TradFi is getting more blurred. Public, permissionless blockchains for execution AND settlement within regulated systems https://t.co/j6jUqwrSWn

By Efi Pylarinou
Swiss Firms Lead Crypto Services for Retail and Institutions
SocialApr 24, 2026

Swiss Firms Lead Crypto Services for Retail and Institutions

I am not surprised that Swiss-based players dominate in crypto services both for retail and for corporate/institutional players. Great article @obchakevich_

By Efi Pylarinou
Fintech Book Library: Curated Reads Shaping Finance's Future
SocialApr 23, 2026

Fintech Book Library: Curated Reads Shaping Finance's Future

Today we're launching our Fintech Book Library, a curated discovery hub for the books shaping the future of finance. 👉 Explore the library: https://t.co/FfXpCy9BJQ From AI in banking to digital assets, embedded finance to wealth management, every book we've discussed at...

By Efi Pylarinou
BMO Launches Governance-First Institute for AI and Quantum
SocialApr 22, 2026

BMO Launches Governance-First Institute for AI and Quantum

BMO Centralizes AI and Quantum Efforts Into Governance-First Institute to Scale Responsible Innovation Launched enterprise-wide institute for applied AI + quantum technologies. Coordinates expertise: data science, governance, ethics, commercialisation. Goals: accelerate responsible AI adoption, improve client experience, boost operational efficiency, develop...

By Efi Pylarinou
AI Code Generators Miss Runtime Monitoring, Boost Debugging Risks
SocialApr 22, 2026

AI Code Generators Miss Runtime Monitoring, Boost Debugging Risks

AI Code Generation's Blind Spot: No Runtime Monitoring 43% of AI-generated changes need production debugging = significant post-deployment risk. Problem: AI coding tools (GitHub Copilot, Claude Code, Cursor, etc.) generate code but lack runtime visibility. What engineering leaders want: AI that...

By Efi Pylarinou
Choose the Right Economy: Delegate Vs. Machine
SocialApr 22, 2026

Choose the Right Economy: Delegate Vs. Machine

MY LATEST ARTICLE: AI agents are changing the game. Will your business thrive in the Delegate Economy, the Machine Economy, or both? Dive into the dual challenge and see how industry leaders are preparing for the future. #fintech #AIagents #innovation https://t.co/fWAC0ztm61...

By Efi Pylarinou
Embodied AI Humanoids Reach 310 Units/Hour in China
SocialApr 22, 2026

Embodied AI Humanoids Reach 310 Units/Hour in China

Watch ‘world-first embodied AI’ humanoid robots take on manufacturing tasks in China 🇨🇳 🤖 💬 System hits 310 units/hour, 19–20 sec cycles, 99 percent success; integrated in 36 hours, producing about 3,000 units per shift. Source: 👉 https://t.co/dQjEBnhTy6 https://t.co/VHcBYyiAN0

By Efi Pylarinou
Citizens Bank Deploys Human‑AI Teams for Consultative Branches
SocialApr 21, 2026

Citizens Bank Deploys Human‑AI Teams for Consultative Branches

Citizens Bank: Human-AI Teams Turn Branches From Transactional to Consultative AI tools to help staff: find policies, prepare customer summaries (history + sentiment + life events), suggest vetted next-best actions. Appointed branch distribution transformation lead = physical design + roles...

By Efi Pylarinou
We Won: New EU Banking Permit Prioritizes User Safety
SocialApr 21, 2026

We Won: New EU Banking Permit Prioritizes User Safety

Challenging Regulators: Our Bold Fight for User Safety 💪 | In conversation with Ali Niknam, founder and CEO of bunq. |Davos WEF 2026 🇨🇭 — Enjoy the full video here: 👉 https://t.co/SL8iK4Wuvc 💬 We challenged regulators to put user interests first,...

By Efi Pylarinou