Pol Martin

BREAKING: Today, we are launching the Rand Credit Line 🚀 You can now borrow EURC against your Bitcoin or Ethereum at a fixed 8% APR, one of the lowest rates available today. As Europeans, we're especially excited about this launch because it's designed for people who live in euros. Most crypto-backed loans are USD-denominated, which creates significant FX risk for anyone whose primary currency isn't the dollar. Last year alone, EUR/USD moved more than 12%, and with the current escalation of global conflicts, stable FX rates over the next 12 months look unlikely. To wrap up, you can now stay invested in BTC and ETH without sacrificing liquidity or triggering capital gains (depending on the country), and without FX risk between the day you borrow and repay. The Credit Line feature is now available on Android and coming soon to iOS. Read more here: rand.app/borrow

Meet the new Rand Credit Line! 🚀 Need liquidity but don’t want to sell your Bitcoin or Ethereum? Now you don’t have to. Use your crypto as collateral, receive EURC, and send it straight to your bank in euros — no off-ramp fees, no currency exchange risk. ✔ 8% fixed annual rate ✔ No mandatory repayment schedule ✔ Repay anytime & get your crypto back ✔ Borrow up to 50% of your crypto’s value Available on Android, coming soon to iOS.

The majority of people still have not realized how lucky we are to be alive in this moment in time. Insane.

@SethGRosenberg @Wealthsimple @Revolut @get_aspora 100% agree

Fintech is perhaps best positioned in this SaaS sell-off narrative You can't vibe code: 1. Brand/trust 2. Distribution 3. Regulatory licenses 4. Capital markets relationships 5. Underwriting data etc. @Wealthsimple @Revolut Pine.ca @get_aspora

@syrupsid @Dune @maplefinance 🐐🔥

Everyone is talking about tokenizing private credit. But this is more than just putting assets onchain. It's about building a fundamentally better financial system. The proof is in the @Dune data: $4B+ AUM, $17B+ originated, $128m+ paid out to lenders on @maplefinance

@NoahEpstein_ @grok how is you data secure wity Clowdbot?

@0xkekov Ouch

show me your worst crypto buy in 2025 mine is $xpl at $1.2 I’m cooked..

@SuhailKakar We have done this at @randapp €60M all time AUM, and growing.

what if, we build a crypto app where users have no idea it’s crypto defi rails in the background, no wallets, no signing this is the only way normies actually use this stuff

@HadickM Good stuff!

2026 predictions are… another positive year for the industry (zoom out), especially for continued innovation in prediction markets, stablecoins and tokenized assets, and scalability and infrastructure for financial markets cnbc.com/video/2025/12/…

@HadickM 100%

I’ll keep saying it. DK, HOOD and now COIN are telling you that these markets will be verticalized and that distribution is king. Scale and own the customer or die. This is not unique to prediction markets, it’s happening across finance as the intermediated stack collapses.

@0xCryptoSam @ether_fi The hard part of this is finding someone that is willing to loan small and unpredictable amounts at 0%. This would make sense at an huge scale but at small scale (with all the options available to deploy capital) this would make very little sense for a lender/capital allocator

This is the proper way to build a crypto credit card today: 1. User deposits into a vault, which earns using yield-bearing dollars (e.g., sUSDe, USDai), t-bill yield, and DeFi yield. 2. DefiBank issues a no-cost USD loan against your crypto (like a credit line). If the loan originator works with a good strategy manager, they can probably make more from management/performance fees on the vault. Unpaid balance interest still applies ofc. 3. The user spends from the loan and repays their debt from the vault. Repaying should be as simple as paying off a credit card, a one-click action that unwinds your vault position and pays back the protocol. ***Room for improvement: issuing the loan to an agent who controls your wallet, which has set parameters for spending the dollars (e.g., no buying memecoins on pump.fun). Btw, @ether_fi does 1-3 already. Any other prepaid debit card today that forces you to sell your tokens into USD for the card is not only tax-disadvantaged, but also can't compete on yield without selling tokens or using market dollars (unsustainable).

@Bouazizalex Insane.

Crazy story - resilience is key

@borjaneira_ Great post man! Would love to chat with you about this. We have some ideas on this.

Most “FX on-chain” pitches treat FX as a big spot market that should live in AMMs. The balance sheets tell a different story. Roughly half of global FX turnover is in short-dated FX swaps, not spot, and those swaps embed tens of trillions of off-balance-sheet dollar obligations for non-US banks, insurers and asset managers. Stress in 2008 and 2020 didn’t start in retail FX; it started in this dollar-funding machine and forced central banks to open swap lines to keep it running. This note starts from that machine, not from token prices. It looks at CLS vs non-CLS rails, PvP vs Herstatt risk, and the “hidden” dollar debt sitting in FX swaps and forwards, then asks a simple question: if we’re serious about tokenisation and 24/7 collateral, where does “on-chain” actually move the needle? The answer is deliberately narrow: • Turning FX swaps into explicit, margined and netted contracts with programmable collateral in tokenised bank money or T-bills • Extending PvP settlement to non-CLS currencies and tokenised fiat, collapsing correspondent chains • Giving treasurers and supervisors a real-time view of cross-currency funding gaps and maturity walls If you run digital assets, tokenisation or market structure, this is the lens that decides whether your “FX on-chain” roadmap becomes core funding infrastructure for dealers and central banks or just another trading venue sitting at the edge of someone else’s balance sheet. FIND THE LINK TO THE NOTE BELOW 👇

@0xLcrgs @0xNeothon @blue_clarity @aave You can earn 6,5% on EURC in @randapp

@0xNeothon @blue_clarity @aave i remember i liked it but after seeing how it struggled under stress of the memeseason it had i went to Arbitrum i'll try it again i guess, once i'm finished with my current farms

Aave at 8% for your EURC. Just use @aave.

@stutireal @MorphoLabs @PaulFrambot It’s not about DeFi, CEX or TradFi, it’s about understanding where your yield is coming from. Many of the products are hedge fund strategies with high execution and market risk wrapped under a “Earn” product. This makes no sense, and it creates a fundamental risk to retail.

Folks: Morpho is the kitchen not the chef. If you don’t like the meal, don’t blame the kitchen. @MorphoLabs is a permissionless platform that vault curators come to cook on. And @PaulFrambot is right. Morpho’s isolated vaults worked as designed in this stream finance xUSD incident. There was one hit, and another 319 untouched. $93M loss was contained, without contagion across Morpho. Also … DeFi is NOT free money folks. There are risks that you can audit and price, and in the case of Morpho, also isolate.

@not_HIPSTR @itstuyo Indeed

@itstuyo 1% fx fee is a LOT

The TUYO card has some of the lowest fees in the market: no issuance fee, no monthly fees, no fees for USD transactions. Transactions in non USD only pay up to a 1% FX fee. Your money is tuyo, and now you can spend it anywhere.

@ArcherHL_ @laurentzeimes 100% fake😂

@laurentzeimes Some truth but mostly fake news

@laurentzeimes This is not because banks can’t do it or don’t want to do it. Generally Europeans don’t like to own money, there is no culture around using credit. The post is misleading

@clsruiz @randapp 🙏

@randapp @PolMartin_ Thank you!! Now it looks good! This is fast fixing, TOP!

We’re sorry for the inconvenience. We had to perform brief maintenance on the app due to a visual bug that affected some users. This issue only affected the display, but it could cause some confusion. Everything is now back to normal. Please log in to the app again, and if you notice anything unusual or have any questions, don’t hesitate to contact us. Thank you.