Payments as Protocol Primitive Eliminates Need for Abstraction
Key lines "If you've built anything in payments before it seems obvious" And "making it a protocol primitive" makes so much sense. You could build this as an abstraction before The point is you don't have to.
Virtual Addresses Enable Middleware‑Free On‑Chain Fintech
Virtual addresses mean you can now build fintech programs onchain with stablecoins No middleware needed.
Revolut's Unified AI Model Boosts Banking Performance
Revolut just moved the IP of banking into a model. Trained on 24 billion banking events in 111 countries. One foundation model replacing six separate ML systems. Credit scoring: +130% Fraud recall: +65% Marketing engagement: +79% The model is the new moat.
AI Turns Decades of Mastery Into Weeks
The cost of trying something has dramatically decreased. So experience that took decades to accumulate can now be speed run with the help of AI. Change is cheaper Failure is cheaper Learning is faster So young people can get world class...
Google's UCP Wins as Tech Giants Join
🚨 JUST IN: Amazon, Microsoft, Meta, Salesforce, and Stripe just joined Google's UCP. The protocol war for agentic commerce is over. Google's UCP won Here's why 🧵 https://t.co/0LRX7k6RxD
Agents, Harnesses, and Products: Structuring LLM Tool Use
Some definitions Agent: An LLM that calls tools in a loop Harness: Software that constrains the LLM, manages memory, packages skills and tools Products: Multiple Agents packaged in a harness
Open‑source CrabTrap Secures AI Agents with Policy‑Based Proxy
Brex just open-sourced CrabTrap. A transparent HTTP proxy that sits between your AI agent and every external API it calls. Okta, but for agents. AI agents in production are getting real credentials now. API keys. OAuth tokens. Database access. Write privileges to...
Enterprise Clients Go Live; Advisory Services Launched
Enterprises lime @DoorDash @CoastalBankWA and @arq_finance are now Live on Tempo. In production. And we launched our advisory arm. Ever wanted a stablecoin strategy or engineering support to deliver? We're here to help.
Visa, TikTok Debut Debit Card for UK Live Creators
Visa and TikTok just launched a debit card for UK LIVE creators. This is way more fascinating than it seems at first glance. To understand that you need to understand LIVE Gifting, and the card business model. https://t.co/6fRWRKaP7Z
Coinbase Launches Yield‑bearing Stablecoins, Keeping Deposits Intact
Nailed it: Coinbase offers yield-bearing stablecoins today and deposits are not displaced "This debate is stupid" @AlexH_Johnson https://t.co/Lz7T1WdQTT
Career Success Lies in AI’s 18‑Month vs 10‑Year Gap
The AI skeptics are right about the next 18 months and catastrophically wrong about the next 10 years, and the gap between those two truths is where your career gets made or broken.
Only 1% Benefit From AI—Ramp’s Enterprise Playbook
Every CEO has sent the AI or Die memo. Yet 99% of users of AI are stuck. We created urgency without infrastructure. The upside of AI comes to a the 1% @tryramp created the playbook to fix this in enterprise. So I wrote about it...
Visa's Growth Hinges on AI‑driven Tokenization, Not Cards
Visa's CEO just called the company a "hyperscaler for payments." Can $V be $ Trillions? 💲 That one phrase is the real story of FY25. Hyperscalers like Google, Microsoft and Amazon are in the trillion dollar market cap club. Can Visa join the...
Immigrant Young Founders, Stablecoins Raise AML Concerns
Is it bad that whenever I see immigrant founder + Stablecoins + early 20s my first thought is "I hope it's not an AML hole."
Agentic Payments at $10k/Day, Poised for Explosive Growth
Real daily volume of Agentic Payments $10k/day Growing fast. Unlimited potential. But we're still SUPER early. I think that changes when the Anthropic and OpenAI have to hit profit post IPO.
Opus 4.7 Feels Like a Personalized, Memory‑rich Colleague
Oh... Opus 4.7 is niiiice. It seems to link better to memories and previous conversations. There's more obvious compounding of the time you've put into the chats and projects. Feeling more and more like a smart colleague, that's adjusting to my...
Slash Raises $100M Series C, Hits $1.4B Valuation
🚨 JUST IN: @slashapp raised $100M Series C at $1.4B to build a Ramp competitor $250M ARR. 60 employees. Valuation quadrupled since May. The headline is the round. The story is everything else 🧵 https://t.co/SzLfFk3ZuB
Tempo's Zones: Private, Liquid, Fast Transactions for Institutions
Zones are a bespoke privacy solution from @tempo It balances the need for confidential transactions where needed With the benefits of liquidity, and fast settlement across the wider Tempo network Designed in partnership with some of the world's largest institutions...
Amex Unveils ACE Kit, Letting Agents Pay Directly
Amex just enabled agents to pay on their network. Thy launched the Agentic Commerce Experiences (ACE) developer kit. And this is SUPER different to the other payments networks in a lot of ways. Why? https://t.co/MGvhQapsUO
AI-Powered CFO Automates Your Finances Effortlessly
Perplexity and Plaid built your personal CFO. Beta testers are building: - Student loan repayment plans. - Subscription trackers that cancel unused service - Getting help filling their taxes with almost zero effort One guy told Computer to email his wife every time a DraftKings...
SEC Grants DeFi Front Ends Five‑year Safe Harbor
The SEC says DeFi front ends have a 5 year safe harbor if they prepare *securities* transactions This is where I point out most of these interfaces don't currently trade securities. Which. Tracks when you consider they would have been quite...
Ramp's Daily April Posts Can Transform Your Business
Why is this month suddenly Ramp releases a BANGER x post per day April? You could rebuild your entire company just reading their stuff. I'm dead serious.
Machine Payments Launch Strong, Volume Growing Rapidly
Machine Payments have started. Consistent. Real volume. And growing. The early signs for @mpp are VERY encouraging.
AI and Open Banking Recover $14K Tax Overpayment
AI and Open Banking just saved a guy $14k on his taxes. @perplexity_ai computer and @plaid found double-taxing errors in @abcdabcd987's accounts That a $2,000 CPA missed. Correct to the cents. Personal Finance Agents are ALMOST here.
Stablecoin Drain: Banks Overstate, White House Shows Minimal Impact
New on the @TokenizedPod Newsletter The banks said stablecoins will drain $6.6trn of deposits damaging lending The White House said the number is closer to $2.1bn 0.02% of the deposit base. A rounding error. Oof https://t.co/jeQLj8h9Es
Karpathy's LLM Council Skill Excels at Essay Review
Yeah @karpathy's llm council as a skill is overpowered for draft essay reviewing HMU if you want the skill file
AI Transforms Favorite Songs Into Endless New Tracks
Take your favorite songs Paste the YouTube link into Gemini Ask it to describe the sound to an audio engineer and producer Turn that into a prompt for suno Loop that with your agent Now you have endless new music based on...
Neobanks Rush to Offer Stablecoin Financial Accounts
Ramp just launched its stablecoin financial accounts Now most neobanks are all adding stablecoins Here's why 👇
Agentic Commerce Fails; Invisible, Agent‑native Payments Win
Agentic commerce is dead. Despite ALL the hype from payments companies, agentic commerce isn't happening. Walmart saw a 66% drop in conversion when adding agentic commerce. We shouldn't embed checkouts in chatbots. We should make payments invisible and agent-native.
Agentic Commerce Flops as ChatGPT Checkout Underperforms
Walmart's checkout inside ChatGPT converted 66% worse than their website. OpenAI just removed its Instant Checkout. Agentic commerce is failing. But maybe we've been thinking about it all wrong. 🧵 https://t.co/RXEaiA9wGK
Integrating OpenAI Into Claude: True Tech Hustle
Acquiring what tech loves - @openclaw - @tbpn And making OpenAI work inside Claude code Is true hustle. Kudos to @OpenAI - code red worked.
AI Speeds Internal Tools Into Profitable Side‑hustles
Jesus wow Ramp is SHIPPING Companies internal tools become things they turn into side-hustle businesses because AI lets them ship so fast. And Steer is interesting. It's a way to make your AI a super nerd about the thing you're super nerdy about
CashApp Launches BNPL for Peer‑to‑peer Payments
The @CashApp just shipped BNPL for person-to-person payments Few thoughts 1: A lot of people want to pay back friends, feel guilty, and this unlocks that with better cashflow 2: CashApp FINALLY shipping AfterPay integrations that work 3: There's a BNPL for your drug...
CEO Automates Life with AI‑Powered Lemon Pie Autopilot
The CEO of @brexHQ runs his company through a custom AI he built and named Lemon Pie. And I think it's the future of CEO productivity Think about the day job of a Fintech CEO. - Thousands of Slack channels. - Hundreds of...
Agentic Spend: Cards, Stablecoins, or Both?
Agentic spend. Is it going to cards? Stablecoins? Both? LOVED this chat with @lithic 's Reggie Young 👇 https://t.co/mM0xZ7sARL
Sessions Collapse Micropayments Into Two On‑Chain Transactions
Sessions are a killer feature of the @mpp Machine Payments Protocol It helps agents transact as quickly as possible by streaming tokens for real-time billing/pricing. Works with cards, stablecoins, and other payment methods
Central Bank Labs Demo Stablecoins, Shaping Tokenized Money
Before this podcast with the @bankofengland I didn't realize entral bankers build demo's to show how stablecoins work There's a lot going on at the central bank level for the future of tokenized money
Tokenized Deposits May Not Outperform Stablecoins, Says BlackRock
Great point from the @BlackRock head of digital assets on tokenized deposits Its not clear why they're better than Stablecoins for many use cases They may in fact be worse
AI Automates Expense Reporting, Ending Manual Submissions
Claude just did my expenses across 5 Gmail accounts and submitted the receipts and memos to Ramp. There's now a weekly scheduled task and cron job to sweep for expenses and submit them. I'll never have to submit an expense report again....
Claude Automates Stack Setup, Making Deployment Effortless
Struggling to get a production stack together? Just get Claude to do it. Need to pay for it? Just get Claude to do it. Bit by bit autonomy is coming.
Auto‑research Lets Any Firm Rebrand Open‑source AI
Any company could do this with auto research Get the latest open source model. RL it to your use case with auto research. Release it with your name on it.
Inside Tempo Mainnet & Machine Payments with Liam Horn
Exclusive chat with @tempo product lead @liamihorne We cover the Tempo mainnet and Machine Payments Protocol Search for the Tokenized Podcast @TokenizedPod and subscribe so you don't miss it Drops Monday 👇 https://t.co/vQE3be52gF
From Attention to Intention: Building the Machine Payments Protocol
Every ad impression, every recommendation algorithm, every retargeting pixel — all of it monetizes the space where human intent is unclear. Agents collapse that space to zero. An agent arrives with a mandate. Get me X. Budget Y. Constraints Z. - No attention...
Mastercard Embeds Stablecoin Layer via $1.8B BVNK Acquisition
🚨 MASSIVE: Mastercard just acquired BVNK for $1.8B. This one hits different. --- BVNK had a rough road. Previous acqusitions that fell through. Competing against massive companies. But they made it. Now they're the stablecoin infrastructure layer inside the world's second-largest card network. 130+ countries....
Switching to Codex After Claude’s Code Disappointments
Claude code has over eagerly done enough stupid stuff that I'm coming around to codex.
Crypto Shifts Toward Virtual Cards, Fintech Takes Note
All of crypto is pivoting to virtual cards and it's so weird to me as a fintech guy. Like yeah. It's a virtual card?
Free AI Dashboard Gives Retail Investors Bloomberg-Level Insights
Perplexity just gave every retail investor a Bloomberg Terminal. For free. Watch this demo. It's wild. @perplexity_ai connects to brokerage accounts via @Plaid and builds a custom investment dashboard in seconds. Perplexity Computer pulls from 40+ live finance tools like: - SEC filings -...
Agentic Commerce Hype Spikes, Timing Of
The thirst for mindshare in agentic commerce and payments is UNHINGED rn. Everyone knows it will go parabolic. Nobody knows when. Such a weird dynamic.
Virtual Addresses Eliminate Sweep Transactions—Join Tempo’s Design Partner Program
Virtual addresses solve having to do sweep transactions We're building @tempo around design partners feedback Come shape the future with us.
Personal AI Agents Underwhelm; Basics only, Hype Overblown
I hate to say it But having a personal agent with openclaw hasn't been a GAME CHANGER or LIFE CHANGING It has been like raising a child who has a goldfish like memory but unlimited potential to get stuff done. The basics...