Pavleos

@kbulychev_ Hello there

80! A few partnerships are already being discussed inside Octopus Fintech Hub Building something in the neobank/stablecoin space - shoot me a dm

@ambu3no @sseraphini you mean they open local account in BR, and if profit passes certain level they switch to foreign account?

@pavleos @sseraphini fala irmao! acompanho mais gente de fora do que BR aqui no X, mas acredito que se tiver faturando pouco ainda a pessoa fica por aqui mesmo

Oi galera, tem indie hackers e business gurus aqui? Fiquei curioso pra entender como a galera no Brasil costuma abrir empresa pra SaaS. Fazem tudo local mesmo ou vão pra Wyoming LLC, Paraguai, Panamá e por aí vai? Ou é só onchain, Monero, Zcash forever? @sseraphini

@Thedonkey how is crypto helping here? apart taking the role of the debit card?

We are living a debt epidemic, and it has become so common that most people no longer recognize it as one. Four out of every five Brazilian families are in debt right now. Half of them have no way to pay it back. The same pattern, in different forms, is repeating across most of the world. - In Brazil, 80.2 percent of families carry debt, the highest level in 16 years of tracking. - 85 percent of that debt sits in credit cards, where revolving interest routinely crosses 400 percent a year. - Among families earning up to three minimum wages, 38.9 percent are already behind on bills, and nearly one in five says they have no ability to pay them next month. - Globally, total debt sits above 235 percent of world GDP. This is the steady state. The bear market and the migration of attention toward AI have pulled the conversation in crypto away from the things that originally made it matter. That is a natural cycle. But it is worth using this moment to remember why these tools were built. The use case that justifies their existence is not somewhere in the future. It is in the inbox of every family staring at a bill they cannot pay. The most common explanation for the debt epidemic is that people lack financial education. This is wrong. The United States runs the largest financial education infrastructure on the planet. Personal finance is taught in public schools. Television networks, podcasts, and bestselling books are dedicated to teaching ordinary people how to manage money. And yet US household debt reached 21.2 trillion in Q1 2026, with credit card balances at a record 1.277 trillion, and 37 percent of Americans cannot cover a 400 dollar emergency without borrowing. If education were the missing variable, the country that produces the most of it would have the lowest debt. It has the opposite. The problem is not informational. It is structural. People know they should not be in debt. People know they should save. The issue is that the system makes acting on that knowledge nearly impossible, because the money never sits long enough in the household's hands for any plan to take effect. Telling someone to budget when their salary is already partially deducted before it arrives is not education. It is theater. The mechanism is simple. In the current setup, the creditor decides the order of payment. When a family owes money on a credit card, an overdraft, a personal loan, a buy now pay later plan, and an installment for an appliance, the bank decides what gets collected and when. The salary lands in an account held by the same institution that holds the debts, and the institution applies its own priorities to that money before the worker sees it. The family spends the rest of the month reacting to whatever pressure arrives next. This is the structural fact that matters. The order of payment is decided by whoever holds the money, and in the current system that is almost never the household itself. Every serious framework for getting out of debt rests on the same idea. You list what you owe, you decide the order, you attack one debt at a time until it is gone, then you move to the next. The math of which debt to pay first matters less than the act of choosing. The frameworks work because they put the household back in control of the sequence. But they only work if that control actually exists. In a system where the bank holds your salary, your debts, and the right to deduct payments before you see the money, you do not have the freedom to sequence anything. The bank already sequenced it for you. Without the ability to hold your own income, every debt elimination framework becomes motivational content. With it, the same framework becomes executable strategy. We need better tools tho. Self custody is the technical capability to hold your own money outside an institution that has competing claims on it. If your income lands in a wallet you control, in a stablecoin you choose, you decide which debt to pay this month, in what amount, and in what order. The bank stops being the operating system of your finances and becomes one counterparty among several. This is not an ideological position. It is the structural position that wealthy households already occupy through lawyers, accountants, and separate accounts that let them direct their own cash flow. Self custody gives the same position, in a much simpler form, to people who never had access to those tools. The second piece is how the money gets spent. Credit cards are the most expensive form of household borrowing on the planet, and they are the default way most people transact. Non custodial alternatives are the opposite. You can only spend what you actually have. There is no revolving balance compounding while you sleep. Paying becomes a deduction from your own assets, not the creation of a new liability. The technology to deliver this already exists, they have the rails, the wallets, and the user interfaces to put self custody in the hands of ordinary people. What is still missing is the framing. Most of these products are positioned as crypto tools for crypto users. The real opportunity is to position them as what they actually are, which is a way out of the debt epidemic for households that have no other way out. That shift in purpose is not a technical problem. It is a question of who these products decide they are building for, and what proposition they put at the center of their work. Together, these pieces give a household something the current system does not. A place to hold income that no creditor can touch first. A way to spend that cannot turn into debt. And the freedom to decide the order in which obligations get paid. That is the entire structural difference, and it is enough to change what is possible. The population using these tools today is small relative to the population that would benefit. That is the natural state of any new technology. The work that comes next is making the same capability available to people who do not have the time or technical background to learn the underlying machinery. The onboarding has to be shorter than opening a bank account. The interface has to assume the user does not want to learn what a private key is. The product has to work for somebody three months behind on a bill, earning a minimum wage, who has never opened a wallet. The debt epidemic is not going to be solved by the same institutions that produced it, and it is not going to be solved by teaching people lessons they have already heard a thousand times. The solution is a shift in who holds the income and who decides where it goes, delivered through tools simple enough that the shift can actually happen.

@mert чел

one of the most insane things that's ever happened to me me and my gf's family are both relatively traditional and old school and so the proper thing to do is to have a chat with the father and mother to get permission to eventually marry their daughter so I take a flight to their home city, dress up all nice, and even trim the beard (which is looking slightly like im about to commit jihad) without my gf's knowledge I even had to learn a bit of Russian for a few months so I can do it respectfully even though they can speak English anyway, it's going pretty well and I finally ask them and they say yes of course thats ok and that they weren't even expecting someone to still have the manners to ask them so to celebrate, I take out my phone and get a selfie with them that I'll later send to my gf to tell the good news while im doing that, I get a push notification from OKX that my long has been liquidated so I clear the notification and try taking the selfie again but notice that the dad is not smiling in any way anymore he goes: mert, I have changed my mind. I can not let my princess marry a moron who is not using @PhoenixTrade to lose money. shortly after, I was deported from the country

really cool to see fintech/blockchain activity in Floripa any action like this in Curitiba? @ipecity @Founder_Haus @Ethereum_Brasil @cioffi_victor @SuperteamBR

@cioffi_victor not to be a hater, but isn't the interest rate high due to the large number of defaults?

@LightProtocol @solana do i understand correctly that Light Token only saves ATA rent for intra-app transfers between Light Token-aware wallets? for a wallet where users on/off-ramp via standard SPL USDC in/out, the ~$0.17 ATA cost is unavoidable since ramps settle to standard SPL - correct?

Introducing the Light Token SDK for Payments - reduces Solana ATA fees to $0.001 - works with all SPL, including USDC, PYUSD, USDG - new drop-in API, upgrading from spl-token takes ~5 minutes Live on Mainnet today, use with all leading RPC providers. Enjoy

@fusewallet has the smoothest wallet onboarding that I've seen so far

@cioffi_victor interesting

@defido @vidor_solflare @solflare a friend of mine tried to send about $8K from Brazil to Australia so his family could buy a plane ticket. The banks held the money for 2 months… and then declined the transaction

100%. My banks in Aus are regulated. Lose my keys? They’ve got backups and an office front I can fix it at. Get hacked? Insured and I’ll get my money back. Customer service. Instant transfers. Low fees. Global cards with no fees. How the crypto industry thinks it breaks this sector is beyond me.

Unpopular opinion from someone who builds wallets for a living: No crypto-native product is going to iterate its way into mainstream adoption. The gap between what our current users want and what mainstream retail needs isn't a UX problem. It's a completely different product with a completely different trust model. Our users want sovereignty. The next 100M users want a safety net. You can't give them one without taking it from the other. I've watched teams try. They start adding mainstream-friendly features, the core community gets uncomfortable, and the product drifts into this dead zone where it's too complicated for normies and too watered down for natives. Nobody's happy. The app doesn't feel like anything anymore. The mainstream crypto product that actually works probably doesn't say "crypto" anywhere on the landing page. And it probably isn't built by iterating on what exists today. It's something new, from scratch, with the chain running invisibly underneath. Wallet builders need to start asking a harder question: are we the app, or are we the plumbing inside someone else's app. I don't think most of us are ready for that answer.

@levelsio for digital nomads - you can generate fake CPF (that passes checksum) with chatGPT

🇧🇷 My friend booked a very nice upscale hotel in Rio de Janeiro But to pay for the booking online they required to enter a Brazilian taxpayer number (CPF), so he called them and said he doesn't have a CPF No problem they said, they'll sent a new payment form without CPF where foreigners can enter their passport This payment for required a Brazilian phone number though The catch-22? To get a Brazilian phone number you need a CPF number! And recently the Brazilian government made it much harder for foreigners to get that, in my case I had to physically visit the Brazilian embassy in Lisbon and wait for an hour to get my CPF So he had to physically go there to pay Brazil really needs to fix this stuff or it's never going to get more tourists because it's so hard to pay for things here! And it's not just hotels! Because in everything else Brazil is so hospitable and inviting to gringos PLEASE FIX THIS BRAZIL!

@PatrickAlphaC @battlechain such a great idea

The @battlechain testnet is now LIVE. Come enter the ultimate red-team platform. Give us feedback so we can launch mainnet very soon, and fix web3 security.

@svpino tell him to create the perfect blockchain with superior speed, security, censorship resistance and best price

Last year, I met a person who has never written a single line of code in his life, yet he feels he can build anything he wants. He told me point-blank: "I challenge you to tell me something I can't build using AI." I tried to explain, but I couldn't find the right words. The most fascinating aspect of vibe-coding is how it has convinced so many people to believe they are better and more capable than they really are.

@tom_doerr so cool

A web tool for generating and customizing Ghostty Terminal configurations, featuring adjustable settings, font previews, and color palette demos

Marcus Aurelius wrote this over 1800 years ago: "the secret to peace is 10xing your productivity with AI agents and custom Claude skills. you must escape the permanent underclass. buy my course"

@NoahKingJr @session_app ?

@PatrickAlphaC we didn't stop traveling though

Is this what it felt like to be a horse breeder when the car was invented

@alanbertani_ interesting

@rossium but is it faster than other bots like these? 🤔

I built a bot to trade faster than any human > found markets to bet which word Trump says in speech > used Deepgram Nova-3 to transcribe live speeches in <0.2s > matched words with markets > instantly sweep all orders under 99¢ > exit at $1.00 for profit > in the right hands, generates 6-figures/month All done in 2 hours 34 minutes using Perplexity, Opus 4.6, and a bit of brain None of my CS knowledge was used except deploying it on a server