Efi Pylarinou

Efi Pylarinou

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

Robot Dog Uses Google AI to Read Gauges and Thermometers
SocialApr 20, 2026

Robot Dog Uses Google AI to Read Gauges and Thermometers

Boston Dynamics’ robot dog now reads gauges and thermometers with Google’s AI 🤖 https://t.co/Z9OxCoqZbt https://t.co/VEz7BUBfYb

By Efi Pylarinou
Ant Group Unveils Open-Source Models for Reasoning and Math
SocialApr 20, 2026

Ant Group Unveils Open-Source Models for Reasoning and Math

Ant Group Releases Ling-2.5-1T and Ring-2.5-1T Open-Source Models Ling-2.5-1T focuses on general purpose reasoning tasks, while Ring- 2.5-1T incorporates a hybrid linear architecture optimized for mathematical reasoning and structured problem solving. https://t.co/of5lyVXVgf

By Efi Pylarinou
AI Could Either Lighten or Amplify Women’s Unpaid Labor
SocialApr 19, 2026

AI Could Either Lighten or Amplify Women’s Unpaid Labor

AI’s Impact on Women’s Workload: The Best vs. Worst Case Scenario 🤖👩‍💻 🎬 Enjoy the full video here: 👉 https://t.co/Ms3CuXxWwR How will Artificial Intelligence change the lives of women over the next 5 years? In this short, we explore the potential shift...

By Efi Pylarinou
Snapchat CEO: Meta Brand Unfit for Your Face
SocialApr 18, 2026

Snapchat CEO: Meta Brand Unfit for Your Face

👓 ‘The Meta Brand Is Not Something People Want to Put Anywhere Near Their Face,’ Says Snapchat CEO — He may well have a point 🤷‍♂️ https://t.co/E9GLYjS1VM https://t.co/UFPyhTpXzp

By Efi Pylarinou
Tether Becomes User‑Facing Wallet with Lightning Payments
SocialApr 17, 2026

Tether Becomes User‑Facing Wallet with Lightning Payments

Tether Shifts From "Plumbing" to "Interface": Capturing End-User Relationships Front-end financial interface via self-custodial wallet. Self-custody = users hold private keys, Tether has zero access. Optional cloud backup (controversial, crypto purists critical like Ledger Recover debate). Only filor 4 assets (USDT,...

By Efi Pylarinou
Mastercard Agent Pay Expands to Open AI Agent Ecosystems
SocialApr 17, 2026

Mastercard Agent Pay Expands to Open AI Agent Ecosystems

BOOM : Mastercard Agent Pay Goes Meets Open Agent Ecosystems Now extending to open platforms via https://t.co/i2xPY83QVu. OpenClaw = one of fastest-growing open-source projects (1M+ agents, 20+ messaging platforms). Mastercard Agent Pay enables consumers to delegate purchasing to AI agents without...

By Efi Pylarinou
Claude AI Integrates Into Word, First Major Use: Contract Review
SocialApr 17, 2026

Claude AI Integrates Into Word, First Major Use: Contract Review

🔺 Anthropic brings Claude into Microsoft Word, and legal contract review leads its use cases https://t.co/GctEPgSwER https://t.co/lhdW45z7l1

By Efi Pylarinou
Self‑assembling Brain‑grown Electrodes Enable Light‑controlled Neural Interfaces
SocialApr 16, 2026

Self‑assembling Brain‑grown Electrodes Enable Light‑controlled Neural Interfaces

Scientists Grow Electronics Inside the Brains of Living Mice 🐁 💬 The technology harnesses the brain's own blood chemistry to assemble soft, light-controlled electrodes around neurons. 👉 https://t.co/OmbEwgnh3y https://t.co/Zi4qiX1efr

By Efi Pylarinou
Yuh Leads Swiss Neobanks, Yet Only 1% Primary Users
SocialApr 16, 2026

Yuh Leads Swiss Neobanks, Yet Only 1% Primary Users

Swiss Neobanks: Yuh Overtakes Almost Everyone Yuh reaches 400K customers (4.5 yrs post-launch), overtakes Neon (250K, launched 2019). 100% owned by Swissquote. Revolut unclear; counts all who completed KYC (1M+ claimed), but actual active users likely much lower per Swiss Payment...

By Efi Pylarinou
Who’s Liable when Banking Bots Act Autonomously?
SocialApr 15, 2026

Who’s Liable when Banking Bots Act Autonomously?

Agentic Banking: Permissioned Autonomy vs. Regulatory Requirements Meow's model: humans set rules (spending limits, vendor whitelist, transaction thresholds), agents execute within guardrails (transfers, card issuance, invoice processing). Autonomy scope: 24/7 transaction data access, real-time vendor payments, card issuance without per-transaction approval....

By Efi Pylarinou
Meta Launches AI Mark Zuckerberg for Internal Engagement
SocialApr 15, 2026

Meta Launches AI Mark Zuckerberg for Internal Engagement

Meta spins up AI version of Mark Zuckerberg to engage with employees 😳 — Could this be a virtual take on "Talk to the hand"? 🫸 https://t.co/XMxux6JhAO https://t.co/51PHp66o8K

By Efi Pylarinou
Vanguard AI Moves Advisors From Assistance to Augmentation
SocialApr 14, 2026

Vanguard AI Moves Advisors From Assistance to Augmentation

Vanguard's Three-Phase AI Strategy: From Efficiency to Autonomy Phase 1 (Assisting): AI handles repetitive tasks, surfaces data Phase 2 (Augmenting): AI generates insights, recommendations, scenario analysis—current deployment Phase 3 (Acting): AI executes decisions autonomously within guardrails—future state Current tool = Phase 2. Practical features:...

By Efi Pylarinou
Revolut AIR Launches with 13M UK Users, Outpacing Rivals
SocialApr 14, 2026

Revolut AIR Launches with 13M UK Users, Outpacing Rivals

Revolut AIR: Large-Scale Consumer Agentic Deployment (13M Users) Competitive context: Starling (March 2026), NatWest (March 2026), now Revolut (April 2026). All UK launches within 5 weeks. Revolut scale: 13M UK customers = largest single deployment. Security differentiator: "built on transaction-grade infrastructure"....

By Efi Pylarinou
AI Model Retuning Triggers Securities Fraud Disclosure Duty
SocialApr 13, 2026

AI Model Retuning Triggers Securities Fraud Disclosure Duty

When AI Model Tuning Becomes Securities Fraud The Upstart Case: Why AI Lending Model Performance Is Now a Disclosure Obligation Model 22, Upstart`s AI lending model was retuned, performed differently than disclosed, and executives allegedly knew about it and sold $15 million...

By Efi Pylarinou
Bunq Wins AI AML Battle, Expands to US
SocialApr 13, 2026

Bunq Wins AI AML Battle, Expands to US

How bunq is reinventing the Neo-banking model for 2026. 🏦✨ Ali Niknam, CEO of bunq, just sat down at Davos to reveal how they became the first profitable EU neo-bank and their bold plan for the US. 💎 Watch the full deep...

By Efi Pylarinou
GEN-1 Robot Achieves 99% Reliability Across Tasks
SocialApr 13, 2026

GEN-1 Robot Achieves 99% Reliability Across Tasks

From folding boxes 📦 to fixing vacuums, GEN-1 robotics model hits 99% reliability 🤖 | AI Robotics https://t.co/XGfowsKMR2 https://t.co/YxjNYeUARh

By Efi Pylarinou
AI‑Engineered Steel Boosts 3D‑Print Strength, Cuts Costs
SocialApr 11, 2026

AI‑Engineered Steel Boosts 3D‑Print Strength, Cuts Costs

🔺 Scientists use AI to create ultra-strong, rust-proof steel for 3D-printed parts New AI-designed steel delivers high strength, flexibility, and rust resistance while cutting cost and processing time for 3D printing. https://t.co/hbm3AUGt2z https://t.co/b3vLdGRclh

By Efi Pylarinou
Klarna's First Invoice Sparked BNPL Revolution
SocialApr 10, 2026

Klarna's First Invoice Sparked BNPL Revolution

FINTECH FLASHBACK: 21 YRS FROM THE 1ST BNPL On this day in 2005 (April 10, 11:06:40 AM): Klarna (then called Kreditor) processed its very first transaction. The merchant: Pocketklubben, a small bookstore in Stockholm, Sweden. The customer...

By Efi Pylarinou
Defining Liability for Autonomous Finance Errors Now
SocialApr 10, 2026

Defining Liability for Autonomous Finance Errors Now

When the Agent Gets It Wrong, Who Pays? The rails for autonomous finance are live. The liability architecture for those rails is being written right now, by the institutions and regulators willing to commit to an answer. https://t.co/fHnMD6byH6 https://t.co/ejtLZek5s3

By Efi Pylarinou
KBank, StraitsX, Grab Enable Real-Time Cross‑Border Payments
SocialApr 9, 2026

KBank, StraitsX, Grab Enable Real-Time Cross‑Border Payments

KBank, StraitsX, and Grab Launch Blockchain Cross-Border Payments Thailand's KBank + StraitsX + Grab enable real-time Thailand–Singapore payments via Q Wallet. XSGD stablecoin powers settlement, travelers scan QR codes for instant blockchain settlement bypassing traditional FX costs. Tech: Q-money (KBank's e-money...

By Efi Pylarinou
Fintech Titans Build Proprietary Foundation Models on Transaction Data
SocialApr 8, 2026

Fintech Titans Build Proprietary Foundation Models on Transaction Data

8 financial services giants showed up at NVIDIA GTC 2026. PayPal. Stripe. Capital One. Revolut. BNY Mellon. Shopify. Mastercard. Adyen. The common thread? Every one of them is training its own foundation models on proprietary transaction data. Details 👉 https://t.co/wqf2rFdBjO #AgenticAI #Fintech #NVIDIAGT...

By Efi Pylarinou
Who Bears Losses When Agents Misbehave? Four Answers
SocialApr 8, 2026

Who Bears Losses When Agents Misbehave? Four Answers

When the Agent Gets It Wrong, Who Pays? The liability question agentic finance cannot avoid - and four different answers from one week My latest Substack article: https://t.co/zrBCSh4zii https://t.co/L6nTlksFW2

By Efi Pylarinou
JPMorgan CEO Says AI Winners Remain Unpredictable
SocialApr 8, 2026

JPMorgan CEO Says AI Winners Remain Unpredictable

🔺 JPMorgan Chase CEO Dimon: We can't predict AI winners and losers yet https://t.co/MB1h3gIH1m https://t.co/iY9bYkSfk9

By Efi Pylarinou
Banks Must Own AI Agent Layer or Lose Customers
SocialApr 8, 2026

Banks Must Own AI Agent Layer or Lose Customers

🔺 AI Agents & Finance: Which Model Will Banks Choose? Full video here: 👉 https://t.co/W4JgYEnfCZ 💬 AI agents are about to pick your bank, insurance, and investments for you. The real question isn't whether this happens — it's who controls the layer where...

By Efi Pylarinou
Titan's Banking AI Makes Compliance Auditable, Not Optional
SocialApr 7, 2026

Titan's Banking AI Makes Compliance Auditable, Not Optional

Domain-Led AI for Banks: Titan's SLMs Aim to Make Compliance Auditable, Not Optional Titan launched banking-native small language models (SLMs) embedding banking logic + regulatory frameworks. Proprietary Banker Trust Index (BTI) + RAGAS benchmarks claim higher safety, reliability, supervisory alignment vs...

By Efi Pylarinou
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