Simon Taylor

Simon Taylor

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Head of Strategy at Sardine and writer of the Fintech Brainfood newsletter [cite: 4].

CashApp Launches BNPL for Peer‑to‑peer Payments
SocialApr 3, 2026

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...

By Simon Taylor
CEO Automates Life with AI‑Powered Lemon Pie Autopilot
SocialApr 3, 2026

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...

By Simon Taylor
Agentic Spend: Cards, Stablecoins, or Both?
SocialApr 2, 2026

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

By Simon Taylor
Sessions Collapse Micropayments Into Two On‑Chain Transactions
SocialApr 2, 2026

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

By Simon Taylor
Central Bank Labs Demo Stablecoins, Shaping Tokenized Money
SocialApr 2, 2026

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

By Simon Taylor
Tokenized Deposits May Not Outperform Stablecoins, Says BlackRock
SocialApr 1, 2026

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

By Simon Taylor
AI Automates Expense Reporting, Ending Manual Submissions
SocialMar 27, 2026

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....

By Simon Taylor
Claude Automates Stack Setup, Making Deployment Effortless
SocialMar 26, 2026

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.

By Simon Taylor
Auto‑research Lets Any Firm Rebrand Open‑source AI
SocialMar 20, 2026

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.

By Simon Taylor
Inside Tempo Mainnet & Machine Payments with Liam Horn
SocialMar 20, 2026

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

By Simon Taylor
From Attention to Intention: Building the Machine Payments Protocol
SocialMar 18, 2026

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...

By Simon Taylor
Mastercard Embeds Stablecoin Layer via $1.8B BVNK Acquisition
SocialMar 17, 2026

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....

By Simon Taylor
Switching to Codex After Claude’s Code Disappointments
SocialMar 16, 2026

Switching to Codex After Claude’s Code Disappointments

Claude code has over eagerly done enough stupid stuff that I'm coming around to codex.

By Simon Taylor
Crypto Shifts Toward Virtual Cards, Fintech Takes Note
SocialMar 13, 2026

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?

By Simon Taylor
Free AI Dashboard Gives Retail Investors Bloomberg-Level Insights
SocialMar 13, 2026

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 -...

By Simon Taylor
Agentic Commerce Hype Spikes, Timing Of
SocialMar 11, 2026

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.

By Simon Taylor
Virtual Addresses Eliminate Sweep Transactions—Join Tempo’s Design Partner Program
SocialMar 9, 2026

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.

By Simon Taylor
Personal AI Agents Underwhelm; Basics only, Hype Overblown
SocialMar 9, 2026

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...

By Simon Taylor
Private Credit Drain Threatens Compute Expansion Funding
SocialMar 6, 2026

Private Credit Drain Threatens Compute Expansion Funding

If private credit sucks liquidity out of the market The hyperscalers max out their cash Then there isn't enough money in the world for the compute build out

By Simon Taylor
Agentic Commerce Starts with Cards, Moves to Stablecoins
SocialMar 5, 2026

Agentic Commerce Starts with Cards, Moves to Stablecoins

Agentic commerce will use cards first, then stablecoins. The "stablecoins agentic payments" discourse is missing so much nuance. @nlevine19 did a great job starting the conversation. I think we can go much further. Here's my thesis: https://t.co/yNzQdwx3hS

By Simon Taylor
Discussing Agents, Payments, and Stablecoins at Hackathon
SocialMar 4, 2026

Discussing Agents, Payments, and Stablecoins at Hackathon

Stopping by the @Nevermined_ai Hackathon tomorrow for a fireside chat. Looking to chat agents and payments and stablecoins. Come say hi. https://t.co/L3BKo8zuvR

By Simon Taylor
AI Doom Loop Triggers 4,000 Layoffs, 24% Stock Plunge
SocialMar 3, 2026

AI Doom Loop Triggers 4,000 Layoffs, 24% Stock Plunge

New piece from me The AI Doom Loop has started Block fired 4,000 people. Stock ripped 24%, Was AI the Excuse or Reason or Both? https://t.co/cgZ6m2HSv7

By Simon Taylor
Kalshi Uses Public Enforcement to Signal Legitimacy
SocialFeb 26, 2026

Kalshi Uses Public Enforcement to Signal Legitimacy

Fascinating to see @Kalshi taking so much action on alleged insider trading Legitimacy through very public enforcement. It's like an inverse regulation by enforcement. It's enforcement by industry to demonstrate being regulated. Kalshi accuses MrBeast editor of insider trading : NPR https://t.co/3sI6leeiBM

By Simon Taylor
OCC's Stablecoin Rulemaking Sparks Yield Uncertainty
SocialFeb 26, 2026

OCC's Stablecoin Rulemaking Sparks Yield Uncertainty

The OCC just dropped its proposed rulemaking for stablecoins. Stablecoins have a law now, but they don't have regulation. That's what the big banks and institutions are waiting for. What does it mean for yield? 👇 https://t.co/UL2amptKUw

By Simon Taylor
GENIUS Act Opens 60-Day Comment Period on Stablecoin Rules
SocialFeb 26, 2026

GENIUS Act Opens 60-Day Comment Period on Stablecoin Rules

The GENIUS Act rules just dropped 60 days for comments Digging in to this today

By Simon Taylor
Fintech Charters Once Unlikely, Now Industry Standard
SocialFeb 25, 2026

Fintech Charters Once Unlikely, Now Industry Standard

About 3 years ago @aleximm said to me, he believes long term fintech companies would apply for charters. At the height of ZIRP, I disagreed. It seemed all downside. Now the world is upside down. Every tech company wants a charter. How times have...

By Simon Taylor
Payoneer Pursues OCC Trust Charter, Stablecoin Insights
SocialFeb 24, 2026

Payoneer Pursues OCC Trust Charter, Stablecoin Insights

Payoneer is applied for an OCC National Trust Charter Head of Stablecoins Rob Morgan gave @TokenizedPod an exclusive interview: https://t.co/X8PzdyA5AB

By Simon Taylor
Meta's Stablecoin RFPs Target 3 Billion Users
SocialFeb 24, 2026

Meta's Stablecoin RFPs Target 3 Billion Users

🤯 WOW Meta just sent stablecoin RFPs to crypto infrastructure firms. Are 3 billion users are about to get stablecoin wallets? https://t.co/VVOC3pQp06

By Simon Taylor
Modern Treasury Redefines PSP Standards for 2026
SocialFeb 19, 2026

Modern Treasury Redefines PSP Standards for 2026

Modern Treasury just became a PSP competing with Stripe and Adyen. But that undersells it massively. What they really did was rethink what a PSP needs to be in 2026. 👇 https://t.co/UQF88miBKC

By Simon Taylor
Push‑to‑Card Enables Instant Fiat Payouts From Stablecoins
SocialFeb 19, 2026

Push‑to‑Card Enables Instant Fiat Payouts From Stablecoins

Push to Card solves a major issue for off-ramping. Often getting stablecoins anywhere was easy. Getting them to fiat was hard. Pushing the stablecoins to cards does two things 1. Gets there instantly/24*7 2. Can be spent as fiat instantly For payouts use cases its a...

By Simon Taylor
Crypto Prices Drop, Institutional Adoption Lag Grows
SocialFeb 14, 2026

Crypto Prices Drop, Institutional Adoption Lag Grows

The gap between crypto price and institutional adoption is growing. The more the price goes down. The more actual utility arrives. I feel like these needs some sort of law. Although perhaps sods law applies.

By Simon Taylor
Uber Kiosks Let Travelers Ride Without a Smartphone
SocialFeb 9, 2026

Uber Kiosks Let Travelers Ride Without a Smartphone

🚨 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...

By Simon Taylor
Stablecoins Could Drain $6 T From Banks
SocialJan 16, 2026

Stablecoins Could Drain $6 T From Banks

How do Stablecoins pull $6 trillion out of banks If the *entire* market cap of stablecoins is estimated to be $2 trillion by 2030? 🤔

By Simon Taylor
Stablecoins Emerging as Default for Cross‑Border Payouts
SocialJan 14, 2026

Stablecoins Emerging as Default for Cross‑Border Payouts

Global payouts are becoming default stablecoins Especially for cross-border. Here's a practical guide to evaluating when and how to use stablecoins for this use case

By Simon Taylor
Visa Direct Integrates Stablecoins Into $1.7T Payout Network
SocialJan 14, 2026

Visa Direct Integrates Stablecoins Into $1.7T Payout Network

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. https://t.co/ptKhqD8e3b

By Simon Taylor
Revolut Poised to Dominate Stablecoin Market by 2025
SocialJan 13, 2026

Revolut Poised to Dominate Stablecoin Market by 2025

Revolut processed $1.2B in stablecoins last month. That's on track to beat $10.5B in stablecoin transfers in 2025. 87% growth. 30-40% of transactions are a few hundred dollars. - That's rent. - That's freelancer payments. - That's family sending money home. It's a massively changing...

By Simon Taylor
Banks Must Evolve for Stablecoins, Says Production Team
SocialJan 12, 2026

Banks Must Evolve for Stablecoins, Says Production Team

This show was insanely good. A way to think about how banks need to adapt to stablecoins. From a team who's in production.

By Simon Taylor
Stablecoin Firms Must Tighten AML and Sanctions Controls Now
SocialJan 11, 2026

Stablecoin Firms Must Tighten AML and Sanctions Controls Now

Incredible work by @mikulaja @kontigo_app was at best a naive puppet for sanctions violations At worst a knowing participant. The whole stablecoin industry is on notice Get your AML and Sanctions controls buttoned up or there will be blowback It's when not...

By Simon Taylor
Loan Caps Drive High‑risk Borrowers to Loan Sharks
SocialJan 10, 2026

Loan Caps Drive High‑risk Borrowers to Loan Sharks

You realize this will push many more customers towards loan sharks? The cap excludes high risk customers. Now they don't get loans at all.

By Simon Taylor
Copilot‑Stripe Checkout Launches, Poised for 2026 E‑commerce Surge
SocialJan 9, 2026

Copilot‑Stripe Checkout Launches, Poised for 2026 E‑commerce Surge

🚨 Microsoft Co-pilot is now a checkout in a partnership with Stripe. 100m new checkouts 😳 --- Stripe is has enabled Copilot Checkout inside Microsoft Copilot. The enterprise LLM has more than 100m monthly active users. This partnership allows users in the US to...

By Simon Taylor
Tempo's TIP-20 Enhances Stablecoins with Memos and Filters
SocialJan 6, 2026

Tempo's TIP-20 Enhances Stablecoins with Memos and Filters

One of the tiny details I love about Tempo is TIP-20 the token standard It extends the most popular stablecoin standard with some quality of life features like - Memo's for reconciliation - Block/allow lists And *so* much more. Dive in...

By Simon Taylor
Fintech Professionals Share Their Most Bizarre Real‑World Tales
SocialJan 6, 2026

Fintech Professionals Share Their Most Bizarre Real‑World Tales

LinkedIn Fintech nerds. I'm writing something in a couple of weeks and I need your help. Share your war stories. What's the weirdest most "how is this even reality" story from Fintech? Comment below or DM if you want to stay anon.

By Simon Taylor