Alex Radu /Acc

@alvin_kan great take and Bitget Wallet has a nice distribution I think this feature would be quite good one to add ahead in the roadmap @alvin happy to chat more around this subject and other things where we might be able to help

Sharing some thoughts after reading this post about credit. Most wallets are quietly becoming neobank accounts - an account that revolves around everything you can productively do with your assets. And it makes sense for these apps to become superapps, because money does more when it lives in one account. Buy a token, collateralize it to borrow stablecoins, put it to work earning yield - all without leaving the wallet. So what's next on wallet roadmaps? If you map every function of a financial account (your e-wallet, bank, and brokerage rolled into one), it falls into an interlinked ecosystem of six categories: Save Send Spend Earn Invest Credit Most wallets started with Save (store crypto) and Invest (trade crypto), and have been steadily integrating products to complete the rest. Much of the industry's action has been in the middle four. Examples of native integrations Bitget Wallet has shipped over the past 1–2 years: Send: crypto-to-fiat bank transfers & payouts.. Spend: crypto cards, QR pay, in-app shop.. Earn: DeFi yields, RWA yields.. Invest: RWAs, perps, prediction markets.. There's still plenty to build in these categories, such as more payout corridors, more interesting yields, non-US tokenized equities, FX, private sending etc. But I think the industry is about to pay more attention to the two ends of the list - Save and Credit. Today most users see wallets as a trading tool or an earn account, so they only park a slice of their money in it. But there's good reasons for saving in a crypto wallet - USD savings, global onchain rails, permissionless participation in investment opportunities. If wallets want to become the money account, they have to win at the thing banks do best: getting users to deposit their salary. Expect more rewards, virtual account integrations, and payroll partnerships fighting for that share of regular, sticky deposits. Credit is the other big unlock. It's table stakes for any bank or neobank, but a laggard in DeFi - held back by the absence of trustworthy onchain credit scoring. That's starting to change, with innovation in onchain scoring and supplementary off-chain signals that's starting to provide a single picture of creditworthiness. Ultimately, every fintech neobank arrives at credit. It would be strange to assume crypto wallets are the exception, especially when they already hold the collateral, see the spending, and know the yield. But (under-collateralised) credit is still quite a while away from mass adoption imo. Current onchain infra doesn't support it sufficiently yet and the industry needs to come together to solve these difficult problems.

@0xCerberus this is so cool, congrats guys

1:1 stablecoin swaps have been one of the most requested features from neobanks and fintech teams building on blockchains. I’m excited that with LI.​FI Intents, we can now enable this for our customers. Swapping USDC ↔ USDT, or any stablecoin pair, should not come with slippage. 1 USD = 1 USD That’s the experience users expect. And with 1:1 stablecoin swaps, that experience is finally possible. If you’re building a neobank, wallet, or fintech app and want to offer this UX, DM me.

yesterday’s post about credit-backed stablecoin cards brought up a lot of good conversations, especially around one question: if the first wave of these products was debit-style, what does credit actually change? with most stablecoin debit cards today, the payment flow is still very similar to a normal fiat account. you hold a balance and you spend from that balance the infra may be different & the UX may be better, but the basic function is still the same. credit, however, introduces a second layer: instead of every transaction being a direct deduction from the balance, the account can start deciding how to use the user’s financial position more intelligently that’s where the product starts to become more powerful because onchain credit can make a user’s money more flexible the same $100 can sit in the account, back credit, earn yield, and still support everyday payments without being moved/sold that matters in 3 practical ways: first, it makes the account more capital-efficient. the user does not have to interrupt their position every time they spend. the card becomes access to liquidity second, repayment can become programmable. incoming stablecoin flows, idle balances, or yield can reduce the credit line automatically based on rules the user sets. the experience can still feel like a normal card, but the account underneath can manage repayment much more intelligently than a monthly statement cycle third, risk can be handled continuously. live LTVs, dynamic limits, top-up rules, repayment triggers, and alerts can sit inside the account instead of being exposed as a DeFi dashboard the user has to manage manually for this to work, I think there are 2 underestimated challenges: 1/ UX - making DeFi great again by making it understandable to a regular consumer. both in terms of displaying info & managing account settings 2/ account logic - when to spend from balance, when to borrow, when to repay, when to route yield, when to top up collateral (and so on) - these sound like small product decisions, but they actually are the product. the flywheel works if all pieces are aligned however, I think we're in for an exciting ride and credit on crypto infra can make everyone's dollars more useful once they are truly here

NYC has some of the best coffee shops will be there in a few days, excited to meet friends and have good chats over some exceptional coffee ☕ planning to try a few from @swang_co’s list below

@defyneric I will be there

who’s attending eth global?

@apnmrev @spectreign @PulsarMoneyApp @hyperbeat @ether_fi @xplaceapp congrats guys! sounds cool! I should test @xplaceapp then! haven’t created an account yet

@spectreign @Alex__Radu @PulsarMoneyApp @hyperbeat @ether_fi @xplaceapp that's the thesis 🫡

one thing after watching stablecoin cards lately in the US, credit is the default. people "put it on the card" and the card almost always means credit. rewards, points, credit score, the whole social contract of how you spend lives there. in most of europe and a lot of asia, the opposite. the card is debit. you spend what you have. credit is a separate product you opt into. and i think this is what's actually shaping stablecoin cards right now because the first wave of stablecoin cards is basically the european version. debit-style, spend crypto through a card. you swipe, your balance drops, you sold an asset to buy a coffee. useful, but it's the smaller version of the product the next wave is the american version. credit attached to the account. you don't sell when you spend, you borrow against what you hold. onchain, that architecture can actually be cleaner than the legacy version collateral is liquid, transparent, programmable and composable. credit lines can sit behind the user experience, while settlement still happens in the format merchants already understand this is why infra like @sprinter_ux is interesting one credit line, collateral across chains, USDC drawn to a receiver address. for a card program, that receiver can simply be the settlement layer. user taps, USDC settles, the credit line sits behind the experience, and the user never has to think about chains @Morpho matters for the same reason not as the card layer, but as part of the credit and yield layer underneath the account. if stablecoin apps become real financial accounts, they need lending markets, curated vaults and idle-balance yield underneath them so the cards are the interface people already understand, while the account behind the card is the actual product. the goal is to make that feel normal to use, just like traditional credit accounts. of course, still real work to do on risk, LTVs, liquidations, refunds, tax, compliance, chargebacks, but the direction is pretty clear; and that's a big part of what we’re building at @PulsarMoneyApp looking deeply in this space so let me know if you have any other ideas and views on these infra protocols we should take a close look at

@spectreign @PulsarMoneyApp most today are debit cards attached to stablecoin balance indeed you are right, the latter are more interesting

@Alex__Radu @PulsarMoneyApp if a crypto card is not credit, i don't want it

@victorzh @PulsarMoneyApp @base saw this a few days ago! congrats, that’s impressive will take a closer look!

"the receiver can simply be the settlement layer. user taps, USDC settles." We shipped exactly that. Real EMV card tap, chip signs with P-256, settles to a CREATE2 receiver on @base, merchant keeps it. Credit or debit is an app-layer choice. The tap and the receiver don't care which one sits on top. x.com/victorzh/statu…

@its_EveWeb3 @gregthegreek @PulsarMoneyApp for sure a great feature and differentiator!

@Alex__Radu @gregthegreek @PulsarMoneyApp This stands out

@0x_Timi @PulsarMoneyApp for sure, it's something that more sophisticated users would really love to use also imagine this being connected to a non custodial account and be able to have all the web3 perks (under a very familiar fintech experience)

@Alex__Radu @PulsarMoneyApp love the explanation on the reality difference the american version would give more power to the users

@gregthegreek @PulsarMoneyApp you guys are building something really cool! would really love to dive really deep with the product focus towards this direction

@Alex__Radu @PulsarMoneyApp Thank you for the shout out 🙏🙏

@Ferdi_XV @FTDA_US @adam3us @Blockstream @proofoftalk @XVentures_Fund congrats guys @XVentures_Fund is putting up for sure one of the most exclusive conferences and the best one in the web3 space

1/ For a decade, Web3 and TradFi argued. In 2026, they're sitting at the same table. In 10 days, Jenny Johnson (CEO @FTDA_US, $1.5T AUM) and @adam3us (Co-Founder, @Blockstream , inventor of Hashcash) open Proof of Talk 2026 on the same stage. That fireside is the thesis of the entire event. @proofoftalk

@Jackhaldorsson yes! it will be released country by country as there are a few custom integration with local merchtans and payment processors Portugal is definitely a focus to be released among the initial rollouts

@Alex__Radu Will it work in Portugal?

/Pulsar make me breakfast not really but, you will be able to order breakfast from your favorite restaurants nearby via Pulsar soon from unsubscribing to ordering things online to managing the portfolio, the Pulsar AI module will be quite a big differentiator

@kaycidot among the lowest fees I saw on the market

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@PulsarMoneyApp excited about this. coffee chats are the best

Ready for Pulsar coffee meet-ups in the US? This summer, we’ll be hosting open spaces to talk fintech, AI, and what’s next - with close friends and new ones. ☕️

Pulsar cafe coming this summer to SF & NY ☕

@LunarStrategy @AccVentures 🔥

Marketing gets projects noticed. The right VC network gets them funded. Proud to partner with @accventures 🤝 - a crypto VC and venture studio with 100+ portfolio companies across Web3 and AI, backing founders from the earliest stage. Here's what this means for our clients: ➤ Fundraising introductions through ACC's established investor network ➤ Partnership opportunities across a portfolio of 100+ active projects ➤ Research-driven insights that give your strategy a sharper edge Strong networks compound. This one just got stronger.

totally agree. events matter a lot in the AI era, distribution and branding are the real edge, while product, building stuff are getting easier business wise, it is where partnerships, integrations and deals actually happen. marketing wise, IRL is how a brand becomes human. people need something to relate to

moving forward, irl activations and experiences are going to be a key moat for brands. the thesis is simple: as AI rapidly takes over, people will naturally incline to engage with 'made by human' things. staying in the spotlight now means building worlds that allow consumers to step inside, engage, and perhaps alter it. the craving for deeper engagement, belonging, and authenticity cannot alone be solved with just content.

delivering great products is no longer enough to build a moat some takes from the Lovable coffee: AI is decentralizing development and vibecoding will become insane during the next years. everyone becomes a builder. product quality is slowly becoming the standard, not the differentiator the bigger moat increasingly becomes distribution and brand - distribution through partnerships, integrations, ecosystems and real use cases - brand through community, power users, culture and how people perceive and represent your company one thing that impressed me about Lovable was the evolution of the company itself. they started as GPT Engineer. very technical positioning, builder-first, little focus on branding. then they made a strong pivot toward community, non-technical users and brand development probably one of the best examples of how AI startups need to evolve now. AI lowers the barrier to building. brand and distribution decide who wins at scale. thanks @felixhhaas for the coffee meetup and chats