Yury from Web3

We just published our latest research: "Tokenized Deposits: The Future of Money." The report breaks down how commercial bank deposits are moving onto blockchain infrastructure, and what that means for the financial system. Here's what we found: 🪙 Tokenized deposits, stablecoins, and CBDCs serve different roles. They complement each other rather than compete. 🪙 J.P. Morgan, Citi, BNY, Standard Chartered, HSBC and Lloyds are already running live tokenized deposit services for institutional clients. 🪙 Five US regional banks announced a shared tokenized deposit network in February 2026, signaling adoption beyond the top tier. 🪙 87% of financial institutions are exploring tokenization. 🪙 Digital currencies are projected to process up to $13 trillion in transaction value by 2030. 🪙 Global customer deposits totaled $103 trillion in 2024. Even a fraction moving on-chain creates a market far larger than today's stablecoin sector. The regulatory picture is also shifting. The US GENIUS Act provides clarity for stablecoins while keeping tokenized deposits under existing banking law. The UK's GBTD pilot is live with seven major banks. The ECB is advancing the Digital Euro. And in the UAE, the Digital Dirham has gone live on the mBridge platform. The big challenge ahead: interoperability. Tokenized deposits remain liabilities of individual banks. Scaling requires networks that let deposits issued by one bank settle with another. Projects like BIS Project Agora, Partior, and the UK's GBTD are working on exactly this. This report was shaped with contributions from 15 organizations, including @StanChart, @Citi, @BNYglobal, @jpmorgan, @iOndoFinance, @digitalasset, @CantonNetwork, @LayerZero_Core, @BMW, @ABNAMRO, @ERC3643Org, @trondao, @UKFtweets, @Cambridge_Uni and @Alchemy. A big thank you to anyone involved 🤝

LIVE NOW - Ethereum’s Quantum Plan Before Q-Day Quantum is no longer a distant thought experiment. @drakefjustin joins Bankless to unpack: - when Q-Day could actually arriv,e - why Bitcoin and Ethereum face very different quantum risks, - what Ethereum’s post-quantum roadmap looks like, - why this upgrade could be bigger than the Merge, - and how quantum could become Ethereum’s chance to lead. --- TIMESTAMPS 0:00 When is Q-Day? 5:35 The moment quantum becomes crypto-relevant 10:11 How many qubits does it take to break crypto? 16:22 What a real Bitcoin quantum attack would look like 20:19 How much Bitcoin is actually vulnerable? 26:26 Burn, freeze, or salvage? Bitcoin’s impossible choice 35:06 Proof of seed phrase and Bitcoin’s post-quantum bottleneck 41:02 Ethereum’s exposure: smaller, but not zero 45:43 Ethereum’s tougher roadmap: three layers, three upgrades 50:29 The execution-layer plan: replace ECDSA without killing throughput 57:56 Post-quantum, post-AI cryptography 1:03:36 BLS, KZG, LeanVM, and the rest of the stack 1:06:42 Is this bigger than the Merge? 1:17:21 If Bitcoin stumbles, does all crypto stumble too? 1:19:35 “Quantum is not a challenge—it’s an opportunity” 1:21:27 AI, quantum, crypto and the 2032 convergence 1:28:04 Harvest now, decrypt later 1:30:09 Defensive accelerationism and Ethereum’s role 1:39:10 Stoicism, P-doom, and why he keeps building

Saving $200k is easier than raising $200k. Too many early-stage Web3 & AI founders are burning their runway on SaaS, cloud compute, and LLM APIs. You shouldn't be paying full price in Year 1. Here is my 2026 cheat sheet to cut your operational costs to near zero: 1️⃣ Microsoft Founders Hub (Up to $150k @Azure + @OpenAI )You don’t need to be backed by a top VC. They accept bootstrapped startups. The real alpha? Direct, subsidized access to industry-leading OpenAI models. Massive runway extension for AI builders. 🧠☁️ 2️⃣ @posthog Analytics ($50k Credits) Stop paying thousands for Mixpanel when you’re just starting. PostHog gives early-stage teams $50,000 in credits for their open-source product analytics and session recording. That covers millions of events. 📊 3️⃣ Google Cloud for Web3 & AI (Up to $200k) Building an AI-first product or a dApp? GCP has a dedicated track. Credits are valid for 2 full years (rare). Plus, you get access to TPU clusters and Gemini models. 🌐⚡ 4️⃣ The Operational Stack (@NotionHQ + @DocSend ) • Notion: Get the Plus plan & unlimited Notion AI FREE for 6 months (saves ~$1k). • DocSend: Never send raw PDFs. Get 90% off to track which VCs open your pitch deck and what slides they read. 🤝📈 Hunting down all these individual application pages and partner codes takes hours. We audited the programs, filtered out the dead links, and compiled 20+ active startup perks in one single hub. 🔗 Grab the curated list and start claiming your credits innmind.com/startup-deals/

A project raised $142M. Now it makes ~$49/day. 🤯 Most L2 and DeFi economics are much worse than people think. The gap between narrative and actual monetization is absurd. We discussed it with founders last week in InnMind Pro telegram group. A lot of “big” ecosystems look big only in headlines. When you check actual chain revenue, the picture gets ridiculous. A few snapshots from @DefiLlama: @berachain ~$49 chain revenue ($108m stablecoin market cap and $142m raised) @Starknet ~$6.6k ($269m stablecoin market cap and $282.5m raised) @Arbitrum ~$11.3k @Optimism Mainnet: ~$905 ($1.14b bridged TVL) @base is doing better ~$83.5k So yes, ecosystems with nine-figure capital, funding, or TVL optics generating surprisingly thin daily chain revenue. That doesn’t automatically mean the chains are “bad.” But it does mean this market still confuses: - capital parked - token narrative - ecosystem optics - and actual monetization These are very different things. And once you move outside the top tier, the mismatch gets ugly very fast. In the next cycle, founders and investors will need to get much more honest about one question: Is this ecosystem actually creating durable economic value or just looking large on dashboards? Curious how others see it