Focused Pilot✈️

I’ve been relatively quiet on X this year regarding what I was building, that was intentional. 
While I wasn’t posting much, I was deeply involved in building and scaling a privacy wallet on @AleoHQ - @lets_puzzle, which grew to 300k users and highest onchain transaction volume.

@CoinbaxHQ Keep going 🫶

Excited to announce our partnership with BalancedTrust. In conversations with institutions that are looking to bring programmable money into their systems, the opportunity is clear, but complexity sets in. Questions arise around how to implement this infrastructure with the right controls in place and what "right" actually looks like in practice. Without clear answers, institutions are left trying to navigate what should be in place and how to make it all work. This is where BalancedTrust plays a critical role. They help institutions define and implement the right governance and oversight from the beginning, so teams aren’t left guessing as they move forward. While Coinbax provides the foundation for programmable money, BalancedTrust ensures institutions are able to adopt it with confidence. They are able to align with how regulators actually evaluate risk and help manage the external party relationships that come along operating in this space. Together, it means institutions don’t have to choose between moving fast or doing things the “correct” way, they are able to do both. BalancedTrust has the blueprint, Coinbax has the Controls. A complete picture for any institution serious about programmable money. Looking forward to the work ahead with Travis Dulaney, Kimberly Hebb, and Tina Giorgio.

"In the next three years, every bank account has a wallet address associated with it." - @pglyman Peter Glyman spent 5 years leading crypto strategy at Jack Henry. His conclusion: "all roads led to stablecoins." But no one is tackling how to de-risk the payment while it's in flight. That's the gap he and his team are building for at @CoinbaxHQ. New @Surus_io podcast episode out now: [surus.io/insights/podca…]

When Peter Glyman started Coinbax, one of the groups he prioritized building a relationship with was @BankTechVC They have built something special by bringing banks and fintech founders together in a thoughtful way, and early on it was clear they were the kind of partner we wanted to build alongside. Fast forward about six months with BankTech now as an investor and partner in Coinbax is nothing short of surreal. Seeing that early goal turn into a partnership, and now presenting together at Fintech Meetup feels like a pretty special milestone for our team. The Coinbax team will be in Las Vegas all week at the BankTech Ventures Pavilion, meeting with banks, fintech builders, and partners who are thinking about the future of financial services and digital assets. We will be doing plenty of 1:1 meetings, conversations at the pavilion, and catching up with friends across the ecosystem. If you are heading to @FintechMeetup, we would love to connect! We are booking meetings throughout the week. And if the schedules get packed, we are always happy to continue the conversation over a strategy session at the blackjack table or attempting to surf the wave pool. 🃏🏄‍♂️ 📍 Fintech Meetup 2026 📅 March 30 to April 1 🏢 Mandalay Bay, Las Vegas

@Enock_Geek A government that forsees the future...

@FocusedPilot A country signing an MoU with Anthropic, thats strategic positioning

Arrived Rwanda 🇷🇼 earlier today. The country signed an MoU with Anthropic, they are developing fast, and it’s a great time to be here. Will be spending some time here, feel free to reach out if you are a web3 builder, let’s meet.

@CoinbaxHQ @BankTechVC Big institutions recognizes smart ideas and the strongest builders

@NuruFreddy Murakoze 🙏

@FocusedPilot welcome 🤗

@africanbuilder_ 💪

@FocusedPilot 🔥

After a natural disaster passes, many businesses immediately face a different challenge: how quickly they can begin recovering. Operations are halted, repairs are needed involving scheduling heavy machinery or hiring teams of workers, and employees still need to be paid. At the same time, everyone is waiting to see when the insurance payout will arrive to help with this heavy lifting. This is not a traditional payments use case. There is no invoice to settle or scheduled payment cycle to follow. Instead, businesses need immediate access to funds based on when a real-world event has occurred. Traditional claims can take time. Adjusters inspect damage, documentation is required, and several internal reviews happen before any funds are released. This system still works, but it can create a vulnerable period for businesses that need funds immediately to begin recovering operations. Parametric insurance is designed to reduce this gap. Instead of paying based on a damage investigation, parametric policies pay when a predefined event threshold is met using measurable data such as wind speed, rainfall levels, or earthquake magnitude recorded by trusted monitoring systems. This data defines clear trigger thresholds for when a payout occurs. For example, a hurricane policy might state that if sustained winds exceed 120 mph within a defined radius, the payout can be triggered once verified data confirms the threshold. Because trusted monitoring systems provide the measurements, far less investigation is required compared to traditional claims. Parametric insurance itself does not require blockchain and can still settle through traditional banking rails once the event data is verified. However, that process can still take time that some businesses do not have. Smart contracts can automate this payout process, and Coinbax provides the infrastructure that allows insurers to enforce the rules behind those transactions. Trusted monitoring systems measure and publish the event data. That data can be delivered to a smart contract through an oracle. The payout conditions can then be verified automatically. With Coinbax, insurers can place payout funds into a smart contract escrow when the policy is issued. Once the trigger threshold is confirmed, the smart contract enforces the controls required before funds are released. Coinbax Controls can include escrow holds, oracle integrations to verify event data, conditional payment release rules, recipient verification checks, and optional manual approval steps before an automated payout is executed. If any requirement fails, the payment does not execute. When these pieces come together, the payout process can look very different. Parametric insurance defines the trigger.
Stablecoins allow the payout to settle on-chain. Coinbax provides the controls institutions need before that payment is released and ensures the funds are securely received.

@CoinbaxHQ @ParisBlockWeek Keep building 👏

@FocusedPilot @ParisBlockWeek Thank you @FocusedPilot, always appreciate the support!

Grateful to see Coinbax included in the #StartInBlock 2026 Top 100! Out of 1,000+ Web3 applicants, this recognition from @ParisBlockWeek means a lot to our team. At Coinbax, we are building the trust layer for stablecoin payments, helping banks, fintechs, and businesses move money on blockchain rails with the controls and reliability they need. Thank you to the @ParisBlockWeek team and excited for what's ahead!

What if truck drivers could get paid instantly for each delivery they complete, instead of waiting weeks or even months? Imagine a driver working for a food supply company with five grocery store stops on their route. At each stop, a delivery is completed and the stores get the goods they need. Yet across much of the logistics industry today, carriers—and the drivers working those routes—often wait 30 to 90 days to get paid, unless they turn to quick-pay programs or invoice factoring. Companies try to shorten the delay through broker quick-pay programs or invoice factoring, but instant payment is still rare. Even invoice factoring, one of the faster options, still typically takes up to 24 hours, charges 1-5% per invoice, and requires handing your receivables to a third party. But stablecoins, and programmable money through smart contracts, make a different payment model possible. Here’s what that could look like: When drivers leave the warehouse, the payment for the route is sent into a Coinbax smart contract, where the funds go through verification checks and are held securely in escrow. From there, the payment sits on hold until deliveries are confirmed and the preset conditions for release are met. As each stop is completed—whether confirmation comes from a logistics platform, GPS verification, or a mobile app drivers already use, the smart contract automatically releases the portion of the payment tied to that delivery. First stop confirmed → payment released Second stop confirmed → payment released And so on until the route is finished. Behind the scenes, Coinbax smart contracts act as the plumbing beneath the platform, quietly operating under the existing user interface so companies and drivers don’t have to learn a completely new system. From the user’s perspective, the process stays simple: - The company sends the funds when drivers leave the warehouse - The platform shows the payment as pending - The driver confirms the delivery - The payment is released instantly No waiting for invoices to clear. No chasing payments. No factoring companies taking a percentage. Just payments moving with the same efficiency as the deliveries themselves.

@oniicode Nice to see man!

Finally!!! 🎉🎉🎉 after back and forth with in-app purchase review issues.

Stablecoins changed how money moves, Coinbax is changing how it settles. Coinbax is proud to announce it has joined the Global Dollar Network, helping advance smart-contract infrastructure that enables secure, reliable stablecoin transactions. By joining the Global Dollar Network, Coinbax strengthens its ability to support organizations seeking secure, compliant, and operationally sound stablecoin settlement at scale, while enabling Global Dollar (USDG), the U.S. dollar-backed stablecoin that powers the network. USDG is issued by Paxos Digital Singapore, which is a Major Payments Institution supervised by the Monetary Authority of Singapore. USDG is also issued by Paxos Issuance Europe under the supervision of FIN-FSA and in compliance with MiCA. At Coinbax, we’re building infrastructure that makes these digital payments more programmable, secure, and dependable across real financial workflows. With Coinbax, stablecoin transactions can include: - Programmable Coinbax Controls - Conditional escrow and milestone releases - Built-in compliance and governance - Full auditability across every transaction As stablecoins move into payments, treasury, payouts, and cross-border settlement, the infrastructure behind them needs to keep up. That means building in the safeguards and controls you'd expect from traditional financial rails, now made smarter with programmable logic and automation. We finally have 24/7 instant payments. Now we’re making sure they’re safe, reliable, and ready for the global financial system. We are excited to join the Global Dollar Network and contribute to the ecosystem shaping the future of the digital dollar. Find the full announcement in the comments below.

Great episode @chuk_xyz @ay_o @rparekh podcasts.apple.com/us/podcast/mon…

Feeling pretty excited for this week!

Are you one of the many people who sends emails with a time delay instead of letting them auto-send? A lot of us have been there to make the mistake of not using it sometimes. You press send, pause for a moment, and suddenly remember something you missed whether it be a typo tucked into a sentence, a colleague you meant to cc, or one last bullet point. That small window of time, even if it’s only a few minutes, can make all the difference. Unfortunately, in blockchain transactions, that kind of second chance is rare. A wallet address entered too quickly, the wrong amount typed without noticing, funds sent across the wrong network, or even something more deceptive like address spoofing– where an attacker creates an address that looks almost identical to yours, whatever it may be, can turn what seemed like a routine transfer into a mistake that is incredibly difficult and nearly impossible to undo. And often, the frustrating part is that the solution might have been simple. All it would have taken was a few extra minutes to pause, look again, and catch the detail that didn’t feel quite right. Until now. At Coinbax, we’ve been building a set of smart contract Controls designed to introduce thoughtful safeguards into digital asset transactions. One of those is the Time-Based Locked Control, which allows funds to be held within a smart contract for a specified period before they are released. That brief delay creates space to review, verify, or take action if something appears incorrect. In practice, this can support escrow contracts, cooling-off periods for high-value transfers, or simply provide reassurance before a transaction becomes final. It’s one part of a broader framework that includes compliance gates, conditional releases, risk scoring, and escrow holds all part of a design to make digital asset transactions more secure and adaptable to real-world workflows. Because sometimes the most meaningful safeguard in a system isn’t complexity. Sometimes it’s simply giving people a little more time.

If you told me you wanted to send $2,500 to your cousin in Singapore, I would first explain how it works today. An international wire doesn’t move directly from your bank to theirs. It travels through intermediary banks using networks like SWIFT. Each step can add fees, FX spreads, delays, and cutoff times. If something is wrong, fixing it can take days. That system works. It’s just not built for urgency. Now imagine your cousin needs that money for tuition due tomorrow. Or rent. Or a medical expense. Waiting the typical 2-3 business days isn’t going to cut it. It changes outcomes. If your bank supports stablecoins, the process can look different. Instead of sending a wire, the bank converts your $2,500 into a regulated digital dollar issued by a provider such as @circle or @Paxos. That digital dollar is sent over a blockchain network that runs 24/7. In Singapore, a licensed partner (such as Paxos Global Dollar Network) converts it into local currency and deposits it into your cousin’s account. Behind the scenes, the bank works with a stablecoin issuer (like Circle), a custody provider (such as @FireblocksHQ or @Anchorage Digital) to safeguard the assets, and a regulated Singapore partner to handle the last conversion into SGD, the Singapore dollar. Yes, this sounds like a lot of players behind the scenes, but settlement can happen in minutes. However…. speed is not the full story here. Blockchain transfers are typically final. Once sent, they cannot be easily reversed as we saw from the data compiled from another post of ours by BVNK, @coinbase, @artemis, and @YouGov showing that irreversible payments are the biggest pain point when it comes to stablecoins. That is why banks need controls before funds settle. This is where Coinbax comes in (get excited). With a control layer like Coinbax, identity checks, sanctions screening, wallet verification, and policy limits are enforced before the transaction is released. Some of these controls rely on specialized providers such as @trmlabs and @chainalysis which properly analyze wallet activity and transaction flows to identify links to sanctioned entities, illicit finance or other high-risk services. Additionally, a platform like @MerkleScience is also incorporated to focus on transaction monitoring and risk detection across blockchain networks. Bringing platforms such as these into smart contracts comes together to successfully enforce institutional policies before a payment is allowed to proceed. If a transaction fails any Coinbax Control enforced by the smart contract, it does not proceed, protecting the user. Stablecoins make cross-border settlement faster. Coinbax makes it usable for institutions.