johnc.eth

The first generation of self-repaying loans got one thing wrong. They treated debt repayment as a yield problem. It’s a cash flow problem. Passive yield is cyclical, compressive, and unreliable. When returns fall into the low single digits, repayment timelines stretch into years or stall entirely. The mechanism works. The economics don’t. Ratehopper was built from a different assumption. Each user gets a personal AI agent that actively manages both sides of the equation. It continuously refinances debt into lower borrowing rates, while deploying capital into active strategies designed to generate real income from market activity. The first active strategy is LP management. Borrowing costs are minimized. Returns are optimized. The spread pays down principal. The self-repaying loan was always possible. It just needed an agent smart enough to execute it.

Crypto may never have the speculative altcoin mania like 2021 again. But that’s ok. Post dot-com bubble we had the greatest period of wealth creation through growth in companies like Amazon, Apple, and Google. And entirely new startups like Facebook becoming software giants and kicking off a SaaS boom.  The biggest losers weren’t those who lost money in the crash. It was the ones that failed to see the paradigm shift and invest in the generational winners that came after.  Today, we have the same opportunity for wealth creation in existing smart contract platforms like Ethereum, Solana, and Hyperliquid, and entirely new Facebook-esque applications that haven’t been built yet. Don’t make the same mistake. The exponential will be found on the patient path.

If you’re a fintech or bank not paying attention to stablecoins, you’re toast. The signals are everywhere: • Supply > $300B (from <$30B in 2020) • Regulatory clarity (GENIUS Act) unlocking institutional adoption • SoFi, JPM, Visa, Mastercard, Fiserv are all moving in And usage is exploding: • $226B in B2B payments (+733% YoY) • $4.5B in card spend (+673% YoY)

Venice AI just released End-to-End Encryption Verifiable by any external party Vires in numeris Here's how it works 🧵

@sammybauch I was looking here: github.com/sbauch/bracket…. this doesn't have the contract

@calabreum wdym? It is able to prepare tx data and knows the contract address, but then you can use bankr or another existing wallet setup, or open a link to the frontend with a bracket filled for human submission

I love everything about this! thank you @sammybauch brackets.bot/live/17

@sammybauch I thought this had the contract haha - but still good to see the js audit 😅

@calabreum Yeah my clawhub skill had some warnings as well when I uploaded there. I’m not doing anything with private keys, figured it was just being overly aggressive with the review? But thanks I’ll look this over

@sammybauch site. I might point an agent at it later btw, I ran it though testmachine.ai - here are the results of the scan: app.testmachine.ai/share/repo/4a5… 2 critical issues, but I don't think they are real exploits. Testing them now actually

@calabreum thanks and good luck! how’d you do your bracket, did you use an agent or the site?

What if you could transact without revealing your entire account history? That’s what private transfers enable. @ethereumfndn & friends are developing Kohaku: a set of privacy primitives in the form of an SDK that any wallet can integrate. A peek into the future...

🚀 New on the TestMachine blog: We sat down with Coinbase's security team to unpack how TestMachine powers token safety behind Coinbase’s new DEX expansion, enabling trading across millions of ERC-20 tokens without compromising trust. From hidden token privileges to continuous AI-driven monitoring, here’s the inside story on how @coinbase scales token listings securely with TestMachine. Read the full interview 👉 testmachine.ai/blog-posts/coi…

@austingriffith Try keyless (keylessapi.com)

🤔 we need passkeys for agents 🫆 some way the agent can prove it is them to make a crypto signature 🔐 but also the agent has no way to extract the private key 🛟 and maybe even some safety rails

8/ Ethereum continues to see strong usage and demand growth - it remains the future of finance

idk where the bottom is i only know people will become impossibly bearish at some point in the coming weeks/months they will think it's over and it's never coming back but they'll be wrong and Ethereum and ETH will be better positioned than they have been in many years generational opportunities approach

Borrow $100,000 for 12 months and save up to $2,282.27 by always using the lowest-rate protocol. Ratehopper does this automatically, 24/7

3/ This is what those networks actually look like. Our Fraud Farm Detection system starts by scanning a small number of tokens in a connected graph and evaluate them for risky behavior.

@jkl852eth All things data ser!

@calabreum In what ways does your Nansen background shape the design of this points dashboard tool?

Go to Nansen. Download list of top points holders. Send tokens, NFTs whatever. You have a curated list of 19k user wallets that are owned by the most active on chain analysts in the industry. Really useful list for targeted onboarding.

Want to be super early? Join our beta before anyone else: t.me/RatehopperPort…

@kunalvg Notion

Steal this from me. Copy it as it is. This crypto marketing wiki has been refined over the years as I gained experience in the space. Reply to this tweet with anything, and I will DM you a link to full access to this Notion board. Copy it. Improvise it. Make it yours. I don't care. What I care about is that hopefully it helps.

Massive scaling unlocked for @Ethereum mainnet. 👀 The default gas limit is now 60M, following major contributions from the Nethermind team. Nethermind v1.35.0 ships this update alongside improved runtime stability and other key updates. Recommended for all operators ahead of upcoming forks.