AION

Evolution doesn’t ask for permission. AION is here. Built on Aptos. @Aptos

If you’re holding a decent stablecoin stack and NOT monetizing it intelligently (beyond basic lending), you’re leaving a lot on the table. Yield‑backed credit is the next logical step.

Before AION 😭 You borrow, owe interest, and watch debt compound. With AION 🙌 Your yield and repayment behavior grow your credit limit. Credit that grows your net worth, not eats it.

🔥Hot take: The next big unlock in DeFi isn’t another DEX or lending market. It’s on‑chain credit reputation that lives with your wallet, not with 3 opaque bureaus. AION is building that layer on Aptos

What’s your biggest pain point with ‘crypto cards’ today? Selling to spend Locked collateral Liquidation risk Rewards that aren’t sustainable Comment below, building AION around real problems, not buzzwords.

Picture this Stake 10K USDC → get 10K credit → earn 3-4% APY while you spend → your credit limit slowly climbs from yield + repayment behavior. That’s the credit engine we’re designing

Back to shipping in public. AION is building yield‑backed credit on Aptos so you can spend without selling a single token. Assets stay staked, your credit grows, and liquidation risk goes to zero

Late post but IBW was fun. Me shilling @aion_org at @Aptos Zone.

@maistebuilds We’re building yield-backed, self-custodial credit where users don’t sell assets, earn DeFi yield while spending, and see their credit limits grow automatically over time all governed by on-chain logic and reputation.

@maistebuilds This thread is mostly right infrastructure is commoditized, and partnerships are the fastest way for small teams to ship real-world payment products. At Aion, the card isn’t the product it’s the interface. The product is the on-chain credit system behind it.

There's no IP in stablecoin neobanks. Here's why I'm building one anyway. I've been thinking about this for a while, and I think it's time to say what everyone in the space knows but nobody wants to admit: stablecoin neobanks have zero defensibility. Every single one you see launching is the same product with a different logo. And honestly? I don't think that's a bad thing. Let me explain...... The regulatory moat that protected fintech doesn't exist here In traditional fintech, part of the moat was regulatory. Getting a branking/psp/vasp license was hard, expensive and took big compliance resources years, millions in legal fees, and connections that most founders didn't have. With non-custodial stablecoin wallets? None of that applies. You're not holding user funds. You're not a money transmitter in most jurisdictions. You're just a frontend to DeFi protocols. You can launch in Argentina, Nigeria, Indonesia, or anywhere tomorrow without asking permission from anyone, at the same time. This is honestly incredible for innovation. Users get access to dollar-linked savings without needing a US bank account. But if you're trying to build a defensible business? There's nothing stopping 50 competitors from launching the exact same thing next month. @maxkarpis broke this down really well — the "next Revolut" story is always the same: three ex-fintech employees, crypto-native, some offshore on/off-ramp magic. But the underlying infrastructure is identical. Every feature you can offer is a commodity. This is the part that nobody talks about publicly. Want to offer a stablecoin card? You're not building anything. You're calling @raincards or @gnosispay or plenty of other providers. They handle issuance, compliance, everything. You literally just put your logo on it. Rain is probably powering half the crypto cards you've heard of. Teams raise $10M and announce "we're launching a card" like it's some technical achievement. It's not. It's an API integration. An easy one actually. @paramonoww wrote extensively about this — don't be delusional thinking teams need tens of millions to launch a crypto card. They need Rain and a logo. Want yield on deposits? You're not building a yield engine. You're plugging into @yield_xyz or @LuloApp. The yield comes from the same DeFi protocols everyone else uses. Your "8% APY" is the same 8% APY your competitor offers because it's literally the same underlying source. Need wallet infrastructure? @dynamic_xyz @privy_io @thirdweb will have you live in days. And their products are actually great, we been using them for years now. Account abstraction, social login, gasless transactions — all commoditized. On/off ramps? same situation: @moonpay bridge, and more are fighting for your attention. I could literally give you a weekend project: stitch these together, ship a landing page, and you have a "stablecoin neobank" by Monday. That's not an exaggeration. The entire stack is available off the shelf. So what exactly is anyone building? A UI. A brand. Some copy. That's the uncomfortable truth. So why am I building @LucaMoneyApp another stablecoin neobank? Because the opportunity is genuinely massive, and the lack of IP actually makes it more interesting, not less. There's $170B+ in stablecoins. Currencies across Latin America are in freefall. 70% of tech workers in Argentina want USD or crypto payments. The demand is real and desperate. And here's what commoditized infrastructure actually means: the game isn't about who builds the best tech anymore. Everyone has access to the same tech. The game is about who captures users the fastest. The real moat is stickiness and speed If everyone can assemble the same legos, the winner is determined by: Who gets to specific markets first Who builds the strongest user habits Who captures network effects before competitors show up This is a land grab, not a tech race. The team that becomes "the app Argentinians use to save in dollars" wins. Not because their yield aggregator is 0.000000003% better or their card has cooler colors and glow in the dark. Because they got there first, built trust, and users don't switch apps that hold their savings. People dramatically underestimate switching costs for financial products. Once someone trusts you with their money and builds a habit around your app, they're not leaving for a marginally better competitor. The moat is installed base + brand + daily habits. Niche by niche, market by market We're not trying to build "the global stablecoin neobank." That's a losing strategy when you have no differentiation. We're trying to own specific user segments completely: -The Argentine saving in USDC because the peso lost 90% in 3 years -The Venezuelan receiving remittances from family abroad -The freelancer getting paid by US clients who doesn't want a US bank Win these niches one by one. Build features they specifically need. Talk to them every day. Move faster than anyone else in those corridors. That's the playbook. Not proprietary tech. Not patents. Speed and obsession with specific users. We're building @LucaMoneyApp with this thesis. Non-custodial stablecoin savings for Latin America. Simple, fast, focused. I'm not going to pretend we have magical IP that nobody else can replicate. We don't. Nobody does. Our IP is how fast we are and how sticky our app is, thats it. And if we focus on this we will win. If you're building infrastructure in this space — DM me and lets connect.

This is exactly what we are doing at @aion_org, solving all the 3 points mentioned here and more. Crypto cards do have a future if we want someday for crypto to be the standard of payments, accepted everywhere like cash and fiat is right now. That day is probably a bit further down the line but one step at a time we can get there.

@MoveClubIN @riseinweb3 @srilakshmitc @24_gutta IBW was FUN 🚀

Aptos at IBW 2025 🫶 The one recap by Aptos India Lead @srilakshmitc and @24_gutta

@NickGCat @Aptos @aave @IBWofficial @MoveClubIN The ecosystem isn’t slowing down it’s only leveling up. 2026 will be the year Aptos plays to win Play. Build. Move with Aptos 🐐🚀 @MoveClubIN

December is here 💙 First Weekly @Aptos Recap: • @Aave on Aptos crossed $75M deposits • The Aptos Takeover of @IBWofficial was a banger with 8 projects from across the Aptos ecosystem on-site, 10+ sessions, and 1500+ builders • @MoveClubIN hosted a Build on Aptos Hackathon • @AveryChing took the Mainstage at IBW with @reliancejio's @jshankaar (SVP) to explore Jio's view on building the next generation of responsible, scalable advertising tech completely onchain with Aptos • Avery then attended Binance Blockchain Week Dubai and joined @CoinDesk Live to chat all things Aptos, followed by a Mainstage chat with @ZachWitkoff, @Reeve_Collins, and @davidwachsman on the future of finance and global adoption, with stablecoins at the forefront • @shelbyserves took the Mainstage at IBW with @rpranav, and is heading to Solana Breakpoint next • Speaking of Shelby, another Cloudflare outage happened today (Shelby fixes this) • Aptos joined @pudgypenguins and @opensea at Pengu Pier as a part of Miami Art Week • @TokenRelations' @jacqmelinek hosted an 𝕏 Livestream with Aptos Foundation's @ASHAWONN, @RhunaIO's @Sveatoslav, and @insomnia_labs' Jack Cameron • @AptosLabs posted several video interviews hosted by @aptAlix with @jump_'s Kevin Bowers and @doublezero's @Austin_Federa, and posted a new 𝕏 Article, 'Laying the Groundwork for the Next Financial Internet' • @sherryxiao shared updates regarding AIP-119 • @AlphaTeamAptos released a new 𝕏 Article, 'Aptos Monthly Highlights - November 2025,' alongside their first episode of 'APTune' • @MoveClubLATAM hosted MoveClub: Workshops • New Interview posted by Aptos ft. @KGeN_IO's @ishank20 with Aptos Labs' @marissa_trew as the host • @DecibelTrade posted a new 𝕏 Article, 'From Testnet to Mainnet: What Comes Next' • Decibel's Head of Foundation, @borntobry, posted a new 𝕏 Article, 'The Real Cost of Leverage: Understanding Funding Rates as a Cost of Capital' • New Aptos Ecosystem Newsletter hit subscribers' inboxes ft. news from @paxoslabs USDG0 on Aptos to @pactfinance nearing $2B tokenized on Aptos • @PetraWallet released rewards for their USD1 giveaway • @EchelonMarket shared their November Recap • @EchoProtocol_ shared their 2025 Recap • @hyperion_xyz released a new 𝕏 Article, 'Unlocking Privacy on Aptos: Hyperion’s Initiative to Activate Confidential Assets,' alongside updates regarding their USD1 & USDC Campaign, and a new integration with @panana_predict • @Merkle_Trade celebrated $29B in total volume • @MoarMarket introduced fresh incentives and Auto-Rebalance for concentrated liquidity on Hyperion • @the_goblin_fi shared a Weekly Yield Recap • @GeomiDev shared a new case study ft. @PanoraExchange • @APTreeio continues to foster growth of the Aptos Forest • Weekly shoutout to the legends of @AptosCollective, @APTopia_xyz, and @minds_DAO 𝕏 tag limit reached. [𝐑𝐄𝐃𝐀𝐂𝐓𝐄𝐃] reveals remain cooking. The Aptos ecosystem remains cooking. The job is never over, and the grind for greatness never ends. As always, many thanks and much love to all my friends & readers in the chat. Wishing everyone a restful weekend, hope you touch some grass, and I'll see you again real soon 🙏 -Nick ( ⁠ꈍ⁠ᴗ⁠ꈍ⁠)

How AION's liquidity model works Borrowers: Stake USDC, get credit LPs: Deposit USDC, earn 3-4% APY Protocol: Matches supply/demand Everyone wins: ✅ Borrowers: Access to credit ✅ LPs: Higher yields ✅ Protocol: Sustainable revenue

We were there at IBW 2025! and soon in everybody's hand !

@Gemswizzard @KGeN_IO @getstanapp @CompanionzAI @PanoraExchange @xyralabs_ @PathPulse_AI @TesserApt @riseinweb3 @UHTofficial AION looking good Here!

Day 2 was all about founders talk. The Aptos ecosystem is looking in great hands here 🌐

@FerreWeb3 @aion_org

Tag a project you 200% trust Let me know

Stables on Aptos FTW 🚀

@Aptos Stables on Aptos FTW 🚀

🚀 BIG NEWS! Aion has been selected for the Aptos Assembly Program! We’re incredibly excited to build alongside amazing founders and grateful to our community for supporting us from day one. This is just the beginning… big things coming. ⚡️💳 @Aptos

Here's what DOESN'T happen with AION: ❌ Your crypto getting sold ❌ Missing out on price appreciation ❌ Liquidation cascades ❌ Locked capital you can't access Here's what DOES happen: ✅ You spend, assets stay, yield grows Simple