STONΞ

I’ll be at #StableCon26 EMEA in Amsterdam May 19–20, 2026. Excited to join leaders shaping the future of money beyond borders. Stablecoins connecting Africa, the Middle East, and Europe. Let’s talk cross-border payments, regulation & adoption at @thestablecon

@weskambale @IRichardK256 @EversendHelp

@IRichardK256 @stoneatwine, first be like helpin' my client here also, you can use another payment method mobile money, apple/google pay, etc

n'olwaleero lwakedde nga olulala era ndusubiramu aka ssente mugende mugule ekitabo get your ebook now: bit.ly/wesbook26

All the growth is in private markets.

Office wall for live @eversendapp transactions.

I’ve been away from here at X. In that period, I did some amazing building with @claudeai. It’s ridiculous what we are able to do now. I’ll be sharing more soon.

According to J.P Morgan, in 2024 there was over $200 trillion in annual cross-border payment volume. And it's expected to surpass $300 trillion within the next several years. @openfx_ is tackling one of the largest market opportunities that exits. Don't miss my interview with @prabhakar2reddy to learn more about OpenFX and how he see's OpenFX changing the way money moves around the world.

@notgwera @UG_Airlines @flyethiopian Yeah. But the flight will happen. More important than anything else is reliability. Flying home in 8 hours is so worth it.

@StoneAtwine @UG_Airlines @flyethiopian I’m taking my first flight with them in a few weeks. very nervous because they’ve emailed me twice saying that the flight time and details have changed 😳

Good to see @UG_Airlines keeping the London–Entebbe route moving using @flyethiopian 787s on wet lease. It seems a serious person is now in charge: prioritize reliability, protect the network, and buy time to fix operations. Not cheap, but far better than cancellations and loss of trust.

A whole generation is importing peptides from China and injecting them for aesthetics. Unregulated supply. No purity guarantees. People experimenting with growth signals tied to cancer biology. Short-term gains, long-term unknowns. Looksmaxing

@KwikirizaNova @KabbyangaB @stripe What payment options do they give? Maybe we can help.

Hallo Hon. @KabbyangaB, These are my earnings for the last 15 days, and as you can see, I’ll be receiving another payment in the next 15 days. If we had @Stripe operating here, I would simply walk into my bank and cash out. Unfortunately, I have to receive this money at the mercy of a foreign intermediary, after their charges and taxes have already been deducted. Mr. @ekiggundu, I hope this clearly illustrates the challenge we are facing.

@KiriburaM You keep tweeting at them.

@StoneAtwine Point of correction. Iran denied that strike. They said it was an Israeli false flag hit.

CDF doesn’t know that Uganda is 4,100 km away from Iran :) And they tried to hit Diego Garcia last week. 4,000km away.

AI: GI100xGO

I love the sound of mechanical keyboards but they hurt my wrists. Back to Logitech MX Keys. That fad didn’t last long.

Never interrupt your opponent when he is making a mistake: China or Napoleone :)

@mrstephendeng Write something. Curious.

A bit dismayed by all the empty hot takes on stablecoin in Africa on my timeline. Might be time to write an article about our convictions.

We are in for a very entertaining F1 season. The race between the 2 Ferraris at the Chinese Grand Prix had me at the edge of my seat. Pure racing.

Who is Bam Adebayo?

We’re now officially a fully licensed bank in the UK. As a bank, we’ll soon offer accounts protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person on eligible deposits. It also means we’ll be able to launch more banking features in the future — so keep an eye out for updates.

@TitusKimbowa @SamoraKariuki @eversendapp (1)

@StoneAtwine @SamoraKariuki @eversendapp Stone I might need your solution for my business. How can I get in touch?

I had a good chat with @SamoraKariuki about stablecoins and how we are using and building the infrastructure at @eversendapp: youtube.com/watch?v=R-itqD… I asked ChatGPT to distill the main points. Here are the key ideas and lessons from the video you shared: The discussion focuses on how stablecoins can transform global payments infrastructure, especially for cross-border businesses. Key ideas and lessons 1. Stablecoins are essentially “global e-money” One of the central arguments is that stablecoins are not revolutionary money, but rather a new infrastructure layer for moving money globally. Traditional e-money lives in bank ledgers or telecom systems (mobile money). Stablecoins live on blockchain ledgers, which makes them global and programmable. Key takeaway: Stablecoins are basically digital dollars with global rails. (youtube.com) 2. The real opportunity is treasury infrastructure The real value is not speculation or crypto trading, but corporate treasury management. Instead of: Holding multiple bank accounts across countries Pre-funding liquidity in each market Waiting days for SWIFT transfers Companies can: Hold a single stablecoin buffer (e.g., USDC or USDT) Rebalance liquidity across markets in minutes. Key takeaway: Stablecoins allow global treasury management from one pool of capital. 3. Just-in-time liquidity replaces pre-funding Traditional cross-border systems require pre-funding accounts in multiple countries. Example: A remittance company might keep millions parked in: Nigeria Kenya Uganda Europe Stablecoins allow just-in-time settlement: Move funds only when needed Reduce idle capital. Key takeaway: Liquidity efficiency becomes a competitive advantage. 4. Instant settlement is not always cheaper A subtle insight from the discussion: Instant settlement sounds better But it can sometimes be more expensive than net settlement Traditional systems batch payments and settle later. So companies must balance: speed liquidity cost transaction fees. Key takeaway: Speed is not always the most efficient financial architecture. 5. SWIFT may become irrelevant for internal treasury The discussion suggests that many fintechs no longer rely on SWIFT internally. Instead they use: stablecoin rails internal ledgers direct liquidity pools. SWIFT becomes mainly a bank messaging layer, not the actual settlement network. Key takeaway: Future global finance may run on open rails rather than bank networks. 6. The stablecoin “issuance war” is coming Right now the market is dominated by: Tether (USDT) Circle (USDC) But the video suggests the real power may shift to banks. Potential issuers: JPMorgan Citi large financial institutions. Why? They control: deposits regulation yield on reserves. Key takeaway: Stablecoins could become the next battlefield between banks and crypto companies. 7. CBDCs vs stablecoins Central Bank Digital Currencies (CBDCs) are often discussed as alternatives. But the argument here is: CBDCs are politically complex Governments move slowly Private stablecoins innovate faster. Key takeaway: Private stablecoins may dominate before CBDCs mature. 8. The real winners will be infrastructure companies The biggest opportunity is not tokens but financial infrastructure: Examples mentioned: treasury infrastructure settlement layers custody platforms payment orchestration. Companies like: Wise Deel global fintechs are well positioned to leverage this. Key takeaway: The stablecoin revolution is an infrastructure play, not a token speculation play. The deeper strategic insight The video frames the future of money like this: Old model: Banks → SWIFT → Local banks → Settlement New model: Stablecoin treasury → API rails → Instant global settlement Meaning: Money becomes software infrastructure This video basically describes the architecture that companies like Eversend are already moving toward: stablecoin treasury just-in-time liquidity API settlement global rails. You’re building the plumbing layer of the new financial system.