patrick

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@BuildWithNik Yea I know it my own choice but that doesn’t mean a team can say everything is fine and 2 weeks later they shut it down. We remain the project alive but we are dead. Lumia shut down their telegram and discord last weekend and you can’t answer under x posts anymore. Big red flags

They are draining Lumia? Do you have any on-chain proof of that? I’d genuinely like to see it. If you’re right, I’ll gladly share that information as well. But when the entire market is going down, Lumia — like any other token — will go down with the market. And we also know how market makers operate. They sell into the market and push the price down. We saw the same thing with PBX and with many other tokens. Thanks for your kind words, brother. But like I said in my video, this is on us as well. If someone had put $20k into Bitcoin at $16k and simply held it until $125k, that’s about a 7.8x return — roughly $150k. But most of us weren’t looking for 7x. We were chasing 100x. So in the end, there’s no one else to blame but ourselves, brother.

@BuildWithNik I have a different approach. I like you and you know that. But when team says in January 2026 is going to rock and 2 a 3weeks later they pull the plug you are a retard. Now in the mean time they are draining lumia and it will have the same outcome as Paribus.

Deniz didn’t fool anyone. Mate, he’s an extremely intelligent, smart, and kind person. He’s the one who actually created the code, that runs both the Paribus platform and the Lumia blockchain. The main reason we didn’t see strong price action is because the market was driven by hype around unnecessary tokens (mostly memes) and influencers who ended up scamming their own communities. There were also some bad marketing decisions along the way. But Deniz, Simon, and Wilos didn’t fool anyone. The reality is simple: the project just failed. That’s all. Yes, things could have been done very differently. But the team made decisions based on what they believed would lead to the best possible outcome, and in the end, that strategy turned out to be wrong. Like I said in my video, it’s also on us. We chose to blindly invest in a startup project, putting in $10k or $20k hoping it would go 100x so we could be set for life. That responsibility isn’t theirs — it’s ours.

@Redsun03409809 @DnzDlklc Lol you can try as much you like

@DnzDlklc Many thanks for your kind reply Sir🙏 Understand that the hard work have been done by you and the team. Truly appreciated. Can we request the team communicate to the community at least to let us know the details . We have no channel to know about and yet no updates. Thanks again

DDSC just went live on ADI Chain: a dirham-backed stablecoin initiated by International Holding Company ($240B market cap, 1,300+ subsidiaries) and First Abu Dhabi Bank ($330B in assets, 33% of UAE banking market). This validates something most people miss about RWA infrastructure: the stablecoin isn't the product, it's the trojan horse for institutional settlement rails. UAE processes $1.42T in foreign trade annually. If 1% shifts to DDSC settlement, that's $14.2B in transaction volume requiring ADI for gas. Each trade settlement from $100K to $100M+ generates fees. But here's the actual unlock: when IHC deploys DDSC across its 1,300+ subsidiaries for B2B settlements, every invoice, every cross-border payment, every supply chain transaction settles instantly instead of T+30 or T+90. Traditional finance built psychological trust through settlement delays. You had time to catch errors, review transactions, fix problems before finality. Instant settlement means instant irreversibility. A $10M trade that would get caught during traditional clearing? On-chain, it executes in 12 seconds and requires counterparty cooperation to reverse. The infrastructure question for institutional RWAs isn't whether we should make settlement instant. We will. The question is whether institutions are ready to operate in an environment where every transaction is final the moment it clears. DDSC is the first large-scale test of whether TradFi can handle the psychological shift from "we have 48 hours to fix mistakes" to "transactions are irreversible in seconds." That's what makes this significant: not the technology, but the institutional behavior change it forces.

@Competitions123 @BuildOnLumia @TimRyan Insane everyone got fucked

Big news – @TimRyan has joined Lumia’s Advisory Board. A 20-year member of Congress, former presidential candidate, and chairman of the Blockchain Innovation Project, he brings the policy and market insight needed to scale tokenized assets in the U.S. He rounds out Lumia’s now bipartisan advisory bench alongside @DavidMMcintosh, president of the @club4growth.

@dapp_central Dude I feel you. Lost everything in Paribus it’s also shut down and rugged. Sadly this space is ficked up.

Dear Cardano Community, Im not taking from anyone here without returning what I owe. I don’t like to put my business out in public but 2025 was by far the most difficult year I’ve faced following the fallout of MELD. I take full responsibility for my actions and will repay anyone who took the time to help me when I needed it most. I have been going through personal therapy to get back to a place where I can post publicly. I will be reaching out to everyone involved. I apologize to anyone who I’ve hurt in this process. I’ve dedicated over 4 years to this community and would never steal from those I consider my friends. Again, I’m sincerely sorry.

@DnzDlklc Thought you said Paribus app would stay alive but website is gone

Prediction markets are turning truth into a tradable asset.

@BuildOnLumia @Corvo0Attano @QuillAudits_AI First they rug the project Paribus now they rug with lumia

Our CPO @Corvo0Attano shared some insights on RWAs during @QuillAudits_AI's live stream; going beyond minting to tackle real liquidity, compliance, and full-cycle tokenization for RWA-native chains. Issuance is just the start; markets are where it counts. Thanks for the invite!

@Al27224547714 @DnzDlklc @BuildOnLumia @alt_street_bets You got drained

Wall Street isn't going to flip to full onchain settlement overnight. The transition is messier and more interesting than that. What's actually happening: traditional clearinghouses are experimenting with blockchain rails for post-trade settlement while keeping existing custody and regulatory infrastructure. DTCC is testing tokenized securities with same-day settlement using permissioned chains. Euroclear ran trials with central bank digital currencies for bond settlement. These aren't replacing TradFi - they're adding blockchain as a settlement layer underneath.

@BuildWithNik Yes I know it’s all big scam imo. It’s not that I blame team but there are some things we never got an answer to and wich get avoided. It doesn’t matter anymore. I think they should end the project cuz it will never recover from letting it be Alive. Do you still hold pbx? I will

Hey Patrick, first of all, I’m thankful for all of your support over the years, man. I really am. I also understand your frustration, and trust me — when it comes to investing, I’m not sorry for it. It’s a school. As I said, if I could go back to 2021, Bitcoin would be my only investment. ETH maybe as well, but nothing else. Everything else is gambling. As for the team, I don’t blame anyone for my decisions. It doesn’t matter if they are in chats, replying, etc. Paribus was, from day one, a gambling investment. A startup with a vision can’t really be called an “investment,” nor are we truly investors. We are hardworking people who saw how others got rich in the crypto space from 2018–2021, and we thought it would repeat. But life isn’t that simple. There’s no one to blame — they didn’t rug anyone, they didn’t take money from us, they just didn’t succeed in this space as co-owners of a company. Did they make mistakes? Yes. Chasing narratives is not profitable. You need to be ahead of them. NFTs as collateral — complete failure. NFTs are basically useless. You can see that @moonbirds are creating the $BIRB coin. Why? Because NFTs are useless, and now they want more money from the community by going all-in on a coin. @pudgypenguins made the same decision. At the end of the day, we are seen in this space as money — nothing else. There is no real “community.” We bring them money and make them rich. Yes, you can get lucky and invest early and make money, but only about 4% of people actually get lucky. That’s the reality.

Hey everyone, I took a few days off because I was thinking if I should stay in this space or not. I joined crypto in 2021 at the peak of the bull. That was the first time I lost money, and it was on $ADA. I bought at $2 and rode it all the way to 3$ and down to $1 and sold at a loss. I always knew investing is risky, but I had never invested before, so this was my first real lesson. @IOHK_Charles is an extremely smart person, but it’s not only that — the way he talks and explains things really makes you believe. I trusted that once Cardano gets smart contracts it would go parabolic. Oh boy… little did I know about smart contracts and crypto back then. It turned out that smart contracts on @Cardano @Cardano_CF are written in a special language, Plutus, and it’s extremely hard to develop with. Then I started exploring crypto in general, but learning crypto feels like falling off a cliff with no bottom, because every day thousands of projects pop up. Because I was “in love” with Cardano, I stumbled upon a startup project called Paribus and its native token $PBX. The first time I bought PBX was around $0.016 and I held around 700k tokens. The token was just released and the vision was great — to become a next-gen borrowing & lending protocol on Cardano. There is so much to say about Paribus, but the bottom line is: I believed and joined that community. I became an official ambassador and represented them on my X channel. The core team — Deniz (CEO), Wilson (COO), and Simon (CTO) — are great guys, smart and friendly. They decided that with their initial funds (around $1M), they couldn’t continue building on Cardano because dev costs were too high. So they made the decision to build on Ethereum, where devs were much cheaper, and later move to Cardano once the virtual machine was ready via @Milkomeda_com . We all know how Milkomeda ended :( They created Paribus V1 (MVP) on Ethereum L2 — @arbitrum — because gas fees on Ethereum in 2021/22/23 were enormous. That was the first step, then governance, then expanding the protocol further. Arbitrum NEVER supported Paribus. Sad but true, even though it was FIRST B&L protocol on Arbitrum to support LPs as collateral.. The thing is, they coded, they released, and they kept fighting — but the narrative was wrong. People were chasing meme coins and easy money. In and out. No one cared about projects with real value. $TRUMP went from $85 to $1. $HAWK rugged. $MELANIA rugged. Even President Javier rugged with his coin $LIBRA. The space became a complete shitshow — and the Paribus team continued building. $MELD disappeared even though they started the same time as Paribus. Ardana ( $ARDANA ) raised around $10M on Cardano and disappeared as well. Teams ran out of funds and quit. Paribus survived. Yes, I believed in Paribus — and only because they delivered: 6 audits, NFTs as collateral, LPs as collateral, live on 3 chains, many partnerships, and more. But it wasn’t recognized because the narrative shifted to memes and easy money. Some people started blaming me for their decision to invest in PBX. I want to say this clearly: I never told anyone to invest based on what I say. I always said invest only what you are prepared to lose. Startup investing is extremely risky. Yes, we all lost on PBX — that’s the truth. If I could go back in time, I would only invest in $BTC and nothing else. Everything else is gambling. The only real “investment” in crypto is Bitcoin. There are many great projects with amazing visions, but whether they succeed or not — only time will tell. After 6 years of supporting Paribus and building a community around it, I’m asking myself: what now? I lost money. I gained around 1.5k followers and I’m thankful. I built a studio. But should I continue… or just quit this space completely? I don't know.. Need to process all and see where my head is. I will advise everyone - DO NOT invest based on crypto influencers or what they say. 99% of them are scammers. Protect your capital. Stay safe. All I know is that I’m sorry we never saw PBX go where it deserved — among the top 100 cryptocurrencies. According to the team, Paribus will be here in this crypto space indefinitely as a project. They will continue running the code on all 3 chains, but the volume and future of $PBX is up to the community. Once again, thank you for supporting me over the years, and I’m sorry if you ever made any investment based on my posts — I truly am. I always said that I’m not a financial advisor and that you should do your own research. 🤝

@BuildWithNik Oh and btw they should just end the project cuz it’s already dead now

@BuildWithNik What is there to say ? It just sucks and Paribus will never moon again. I don’t blame you man. But the team isn’t transparant. There is some things they don’t answer and they definitly know about it. Anyway crypto is all scam I wish I never invested. Thanks for your content 👍🏻

@DnzDlklc All bla bla here but in the mean time you can’t even say something to Paribus community who got abandoned by team on a Monday morning. It’s a shame and I regret I trusted you now things come to the surface. Now go ahead and block me that will probably be the case now.

Real-time stablecoin settlement eliminates float, which breaks how modern payment systems actually make money. Traditional payment networks earn billions on the lag between transaction initiation and final settlement. Credit card networks hold funds for 2-3 days before paying merchants. That float generates interest income and creates working capital for the payment processor. Stablecoins settle instantly. No float period. No interest income from holding funds in transit. The economic model shifts from capturing time value of money to charging explicit transaction fees. But users won't pay 2-3% fees when alternatives exist that charge basis points. The forcing function: payment processors either adapt to zero-float economics or get displaced by networks that already operate on instant settlement. Stripe and PayPal can't compete on latency against onchain rails. Their advantage was network effects and regulatory compliance, but stablecoins are gaining both. The second-order effect: instant settlement reduces systemic credit creation. When payments clear in seconds instead of days, less capital gets locked in transit. That sounds efficient, but modern economies run on credit expansion through payment float. Removing that layer changes how money velocity works across the entire financial system. TradFi payment rails had 50 years to optimize for float-based economics. They have maybe 24 months to figure out zero-float business models before stablecoins capture meaningful market share.

@BuildWithNik @paribus_io I’ll be there

@paribus_io What happend in 2 weeks from this message? Insane

🎉 Happy New Year from Paribus! 🎉 As we step into the new year, we want to thank our incredible community for the trust, support, and belief in Paribus. The past year was about building. The next one is about growth, innovation, and real adoption. We’re just getting started. 🚀 Here’s to a stronger ecosystem, smarter DeFi, and an even bigger year ahead. 🥂 Happy New Year – The Paribus Team

@paribus_io Lol crash incoming

KuCoin Delisting Notice – $PBX KuCoin will delist $PBX on January 14, 2026 at 08:00 UTC (per their official notice). Withdrawals will remain available until February 13, 2026 at 08:00 UTC — please withdraw your $PBX from KuCoin before this deadline. This decision is due to low liquidity on the CEX side and does NOT affect Paribus as a protocol, PBX token utility, or PBX governance in any way. ✅ Paribus borrowing & lending app is still live ✅ PBX governance on Arbitrum is unchanged ✅ Protocol development and operations continue as normal 👉 Full details + next steps: kucoin.com/announcement/e…

If Bitcoin breaks $126,000 in Q1 of this year, I will give $10,000 to 5 lucky followers who like and repost this. You can save this post.

@BuildWithNik Same for pbx brother

$ARB waking up 👀 Clean structure, higher highs, higher lows. Momentum is back. Don’t blink. 🔥