interplato

@HugoFaz @0x_claudia Thanks! I’m new to the region and want to understand this : what is the consumer use case in Brazil? Nu is massive + Pix coverage + local stablecoins emerging It’s not as volatile like Argentina. What are these crypto wallets offering? (Mainly yield on USD stablecoins?)

@interplato @0x_claudia This part is wildly mistaken. In Brazil for instance you can get 10-12% easily on bank deposits with any amount and daily liquidity.

@raagulanpathy @KASTxyz Why names redacted

“My All-Company Emails” If you want to work at @KASTxyz it comes with a high performance culture and expectations. We don’t mince our words, or pat each other on the back all day, because we have a lot to do. I do swear a lot. It’s not for the soft, and we never pretend like it is. Expect Sunday emails like this. Business is ultimately a full-contact sport, and no one cares about silver medals. —- Subject: Only winning matters & how we can lose… Clinke Loot Pockit Osper Holvi Simple Moven Level Money Azimo These were all founded at a similar time to Revolut and each raised $10s of millions, and some even hundreds of millions. All went to hundreds of millions in valuation. No one remembers any of them, because none of them exist today. The only other two that survived were Monzo and N26 and both are less than 1/10th the valuation of Revolut. I doubt either will survive independently much longer, both will get bought. The common reasons for failure are shared: - Feature Companies (ie. crypto cards) not SuperApp - Distribution too small, didn’t nail viral growth - Slow product velocity - Regulatory friction and banking partnerships We have smart people, and theoretically should not lose to companies in the same emerging space . But theories are just theories. Small, nimble teams bring down big companies all the time. Tesla brought down a whole car industry. Google beat Microsoft for the Internet. OpenAI beat Google for AI. Anthropic is beating OpenAI. The two places that produce companies which cut down competitors and win, are San Francisco and China. One will beat you on funding and tech, and mid-20s fresh minds working non-stop. The other will outwork/outship you. The reality, is there are never any successful small to medium fintech firms. Either you scale to $100B+ or you die. I’ll be honest. We are too slow. We are not in the details enough. We are not using critical thinking enough. And worst of all, some are pushing with great intensity, but others are not matching that pace. That leads the front runners asking why they are running so fast. I see this in the CEO reports. We will become a much more data driven, and metrics driven business. And we will leave less room for those who don’t keep up. The intensity will pick up. Don’t be shocked. But we have no choice. Win or die. Just ask the ones from the 2015-ear you can’t remember. Regards, Raagulan. Founder & CEO KAST

@amiravalliani What is the consumer use case in Brazil?

The best read on stablecoins in emerging markets I’ve read in a while 👇

@_kinjalbshah What does it mean for consumer apps or value props

one of the biggest challenges stablecoins face globally is outlawing in the name of monetary sovereignty

@every @danshipper @MTSlive @TrySpiral Can I pull it into Claude

@MTSlive @danshipper Looking for a better way to do great writing with AI? Start a free trial for @TrySpiral, our AI writing partner with taste, trained on your style: writewithspiral.com

We talked to @danshipper about what makes great writing great. Dan, CEO of @every, says AI writing won’t feel alive until models learn continuously. "It comes from a unique person in a unique circumstance expressing their unique view on the world in words that are theirs." "The problem is not the specific, it's not X, it's Y, it's that the model, because it's not changing, it's going to use similar language in similar situations." "It's actually not at all about writing quality to me for models... is it using sentences that change and feel alive? I don't think that will happen until the models are learning continuously."

@defyneric So much of crypto Is stablecoin + earn - + card + yield What’s different

moving money is becoming a commoditized product

@thsottiaux Ask me if I have a preferred Ui framework

What are we obviously not getting right with Codex?

@singhabhinav Is that next market consumer?

62.9% of all stablecoin transactions are B2B payments. Not DeFi speculation. Not crypto trading. Not retail purchases. Business paying business. Supplier invoices. Vendor payments. Cross-border contractor payouts. Platform-to-seller settlements. Treasury-to-subsidiary transfers. The boring, high-frequency, high-volume backbone of global commerce —> running on stablecoin rails because the alternative is 3–5 day SWIFT settlement at 5–7% cost. When people say stablecoins aren't ready for enterprise, I send them this number. The enterprise didn't wait for permission. It migrated quietly, to the corridors where the cost differential was undeniable first —> India-US, Nigeria-UK, Latin America cross-border —> and it's expanding from there. The finance team running the migration didn't file a press release. They just stopped using SWIFT for the corridors where stablecoins were faster and cheaper. The 62.9% is the result of thousands of those quiet decisions. The remaining 37.1% is being decided right now. As GENIUS Act implementation finalizes. As Circle CPN makes bank-to-bank settlement accessible without crypto on the balance sheet. As Mastercard and SWIFT add stablecoin settlement to infrastructure that touches every enterprise that processes payments. 62.9% is not a market share number. It's a confirmation that the enterprise thesis has already played out in the segment with the most acute need. The rest of the market is next.

@DevZacx @0x_claudia Where can I read more about this? What advantage does WU have over other remittance providers

@0x_claudia Western Union will be the winner here, they are the incumbant (100+ years) and switching to stablecoins to earn yield from float (float is billions already) as well as cut out bank fees. Stablecoin starts rolling out this quarter so we'll know soon.

@colinarms Looking forward to trying it - Does it work with the Claude desktop app?

100% free and MIT licensed. council.armstr.ng

I ran Codex, Claude, and Gemini on the same PR review. They disagreed on 4 out of 7 issues. That’s when I realized the best workflow isn’t choosing one model - it’s making them compare notes. So I built Council: an open source CLI that runs all three in parallel, surfaces disagreements, and gives you one synthesized recommendation. npx @armstrng/council review this PR

@muhraufan Yes!

Based on my own problem when working on my personal project, I made this live editor called Live Polish ✨ You can live polish & edit UI elements inside your (web) project. Soon, I want this to be able to elevate UI elements as well. Anyone want to try & give me early feedback?

@morganlinton Should I explore fine tuning a rookie? For user research? How do get started?

Every week, more and more people start fine tuning llms on the computer they already own. Not on $5,000 - $10,000 AI rigs, but on consumer Macs and old gaming PCs. I started this week, and excited to see people like Sahil jump in. No better way to learn than by just doing things. And yes, now I want some 3090s more than ever, the addiction begins 😅

@coreyhainesco What are good alternatives for cheap API data pipes?

@interplato No

PSA 🚨 You can just connect SEO tools like DataForSEO and Ahrefs to Claude Code and have it do all the keyword research for you 🤯

@micka_design @shadcn Is it optimized for mobile? Some sizes feel like they might be smaller than what’s prescribed by HIG

Now you can compare @shadcn components side by side with Fluid Functionalism components. fluidfunctionalism.com/compare Hover the difference.

@BardhylBytyqi What does it look like on mobile

is this the cleanest portfolio animation ever? i can’t believe I made it with claude + 1 prompt

@FintechKristen True that. If it works reliably for them that’s good vibes

@interplato We still have QR codes. 🙃 Just having a little fun. Times change and our teens LOVE nearby payments without having to open and position a camera.

Shit take. QR is cringe, my ass 100x the tam of cash app uses QR. Inclusive fintech over bling

@AriEiberman Great insight! What are BRL use cases and how does work in sync with PIX? Or are those different use cases

Stablecoins won't stay 99.98% dollar-based in volume traded. Most people assume USD will dominate crypto payments indefinitely. That's about to shift dramatically. Take Brazil as an example. Brazilians want to see BRL when they transact. it's familiar, it's local, it's real to them. According to Lucas Giorgio, co-founder of @aveniaio In countries with more erratic currencies, the use case is different. Non-USD stablecoins work better for on and off ramps - getting in and out of crypto without friction. Lucas believes dollar stablecoins will stay dominant. But not at 99.98%. More like 90% or 80%. For context: in traditional finance, the dollar handles about 60% of global trade. Crypto probably won't match that level of diversification. But the trend is clear. Real use cases for non-USD stablecoins are finally coming to light. Countries are building their own. Communities are adopting them. Infrastructure is catching up. Over the next 18 to 24 months, expect a fast ramp up. Not because the dollar is losing relevance. But because local currencies matter, especially when incumbents are too focuse on collecting fees. If you're building payments, xborder flows or treasury infrastructure in emerging markets, this is your wake up call.