Pd#stablecoin #Neobank#Agentic payments

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Pd#stablecoin #Neobank#Agentic payments

Pd#stablecoin #Neobank#Agentic payments

@pritrules

🌊 Founder @zothdotio | Investor @Eagle10Ventures | Prev. MD of Fintech & Web3 @abinbev, @Unilever, @KCCorp | @StanfordGSB, @ISBedu Alum

Katılım Haziran 2009
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Pd#stablecoin #Neobank#Agentic payments
𝗖𝗿𝗶𝘀𝗶𝘀 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗯𝘂𝗶𝗹𝗱 𝗰𝗵𝗮𝗿𝗮𝗰𝘁𝗲𝗿. 𝗜𝘁 𝗿𝗲𝘃𝗲𝗮𝗹𝘀 𝗶𝘁. 7 𝘥𝘢𝘺𝘴 𝘪𝘯 𝘵𝘩𝘦 𝘮𝘪𝘥𝘥𝘭𝘦 𝘰𝘧 𝘢 𝘸𝘢𝘳 𝘻𝘰𝘯𝘦. 7 𝘭𝘦𝘢𝘳𝘯𝘪𝘯𝘨𝘴 𝘢𝘣𝘰𝘶𝘵 𝘣𝘶𝘪𝘭𝘥𝘪𝘯𝘨 𝘢 𝘤𝘰𝘮𝘱𝘢𝘯𝘺, 𝘳𝘢𝘪𝘴𝘪𝘯𝘨 𝘢 𝘧𝘢𝘮𝘪𝘭𝘺, 𝘢𝘯𝘥 𝘸𝘩𝘢𝘵 𝘪𝘵 𝘳𝘦𝘢𝘭𝘭𝘺 𝘮𝘦𝘢𝘯𝘴 𝘵𝘰 𝘬𝘦𝘦𝘱 𝘨𝘰𝘪𝘯𝘨. 𝟭. 𝗥𝗲𝘀𝗶𝗹𝗶𝗲𝗻𝗰𝗲 𝗶𝘀 𝗲𝗮𝗿𝗻𝗲𝗱, 𝗻𝗼𝘁 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗱. People talk about resilience like it's a mindset you adopt. It's not. It's something that gets burned into you. When you've stood still while missiles fall, every future crisis, every funding rejection, every bad quarter, looks different. We stopped saying "this is hard." We started saying: we survived that. We'll survive this. 𝟮. 𝗧𝗼𝗹𝗱 𝗺𝘆 𝘁𝗲𝗮𝗺: 𝗜 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘁𝗵𝗲 𝗹𝗮𝘀𝘁 𝗼𝗻𝗲 𝘁𝗼 𝗴𝗼. The first thing I told my team: "I will be the last one to go." Not like a speech but a promise. That single statement did more for culture than any values document. In chaos, people don't need strategy, they need to know the person at the front isn't about to run. That promise changed the energy in our team overnight. 𝟯. 𝗟𝗶𝗲𝗱 𝘁𝗼 𝗺𝘆 𝗱𝗮𝘂𝗴𝗵𝘁𝗲𝗿. 𝗔𝗻𝗱 𝗜'𝗱 𝗱𝗼 𝗶𝘁 𝗮𝗴𝗮𝗶𝗻. She heard the missiles and started crying. I looked her in the eyes and told her I had built an invisible atomic shield around our home. Nothing could get through it. She believed me. She slept. Sometimes leadership is just building a story strong enough to hold someone's fear inside. 𝟰. 𝗦𝘁𝗿𝗲𝘀𝘀 𝘁𝗼𝗼𝗸 𝗺𝘆 𝘃𝗼𝗶𝗰𝗲. 𝗕𝘂𝘁 𝘁𝗵𝗲 𝘁𝗲𝗮𝗺 𝗸𝗲𝗽𝘁 𝘁𝗵𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗮𝗹𝗶𝘃𝗲. The noise was constant. Day. Night. Day again. At some point my voice just… went. But Zoth didn't miss a single delivery. Because we'd built a distributed team that didn't need me at the center of every decision. Because we built the right systems before the crisis hit. Your resilience is only as strong as the infrastructure you build in peacetime. 𝟱. 𝗧𝗵𝗲 𝗯𝗲𝘀𝘁 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝗜 𝗺𝗮𝗱𝗲 𝘄𝗮𝘀 𝗻𝗼𝘁 𝗺𝗮𝗸𝗶𝗻𝗴 𝗼𝗻𝗲. Everyone around me was panicking, rushing to leave, reacting to every rumor. I chose to stay put. Watch. Think. Watched the UAE handle a national crisis with a precision I'd never seen before - calm, measured, deliberate. Slowly, things stabilized. The chaos that looked permanent wasn't. Stillness is underrated. 𝟲. 𝗚𝗼𝗶𝗻𝗴 𝘁𝗼 𝘁𝗵𝗲 𝗯𝗲𝗮𝗰𝗵 𝘄𝗮𝘀𝗻'𝘁 𝘀𝗲𝗹𝗳-𝗶𝗻𝗱𝘂𝗹𝗴𝗲𝗻𝗰𝗲. 𝗜𝘁 𝘄𝗮𝘀 𝘀𝘂𝗿𝘃𝗶𝘃𝗮𝗹. Blocked time every day, walks, gym, beach with the kids. In the middle of everything, it felt almost wrong. Like I should be doing something. But that time kept me sharp enough to actually lead. Your mental state is the most contagious thing in any room you walk into. Protect it like you protect your runway. 𝟳. 𝗪𝗲 𝘁𝘂𝗿𝗻𝗲𝗱 𝗼𝗳𝗳 𝘁𝗵𝗲 𝗻𝗼𝗶𝘀𝗲. 𝗖𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗹𝘆. The whole Zoth Dubai team made a decision together: no Instagram influencers, no Twitter doom threads. Government channels only. Accredited sources only. Within days, the anxiety of the unknown dropped significantly. You cannot control a war. You can absolutely control what you let into your head. War or market crash, the fundamentals don't change. Build systems. Back your people. Control the noise. Keep shipping. #Resilience #Zoth #Leadership #MentalHealth #BuildInChaos #KeepShipping
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manny
manny@mannyornothing·
In Miami for Consensus. If you're building a neobank or digital bank, would love to grab coffee, hear what you're working on, and see if I can help. calendly.com/m-blend-bk_n
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At @zothdotio we just closed two sprint cycles where two squads doubled their contribution. Neither team got a promotion. Nobody changed titles. Nobody updated their LinkedIn. They got more capital, more headcount, and more autonomy to go bigger in the next sprint. That’s the deal at Zoth. We run on a Squad model — Squads with full P&L ownership,cross-functional teams supporting them, 2-week sprint cadence. Every squad has one job: move the revenue needle. Squads that ship get more resources. Squads that don’t get wound down. Simple. What we don’t have: → Job levels → Promotion cycles → Calibration meetings → “Senior” anything → Promo packets, peer reviews, ladder frameworks I spent 15+ years inside @ABInBev, @KimberlyClark, and @Unilever building exactly that machinery. I know what it does to a company. People stop optimizing for outcomes and start optimizing for the next title bump. The promotion conversation quietly becomes the most important conversation in the building. Weeks disappear into “gathering data points.” Calendars fill with calibration. Real work slows down. It’s the slowest possible way to run a startup. And in the AI-native era, where one focused operator now has the leverage of a 2018 team of five, it’s borderline malpractice. The only currency at @zothdotio is impact. The only reward is wealth creation — through equity and tokens,not designations. Missionaries don’t need ladders. They need ownership, capital, and a clear shot at the goal. Performance >> Promotion. Always.
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Zoth
Zoth@zothdotio·
Redefining loyalty.🪙 Zocta Points. Coming soon...
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Brilliant @sandeepnailwal
Sandeep | CEO, Polygon Foundation (※,※)@sandeepnailwal

Last week, in the presence of the President of South Korea and their Trade Minister, alongside @PiyushGoyalOffc, India's Minister of Commerce and Industry, @BFI_Impact signed an MoU to bring Korean Medtech startups into India and build a healthcare innovation bridge between the two countries. Still surreal that what started as a simple tweet and a multisig wallet during covid, with huge early backing from @VitalikButerin, is now one of India's largest biomedical innovation ecosystem. 50+ top research institutions, all working toward healthcare sovereignty for India. We're also in active talks with the Netherlands Enterprise Agency, with the Dutch delegation looking at how to bring BFI's model home to the Netherlands. At @BFI_Impact we cover the whole journey, from early R&D to getting medtech into the hands of people who actually need it. Started as a tweet, now a global platform, and nowhere near done 🇮🇳

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The moment I realized AI wasn't going to assist financial decisions, it was going to make them, something shifted in how I thought about everything we were building. It happened during a late-night session, watching a prototype of an AI agent autonomously optimize a small treasury position. Moving funds. Evaluating risk. Executing decisions. No human in the loop. My first reaction was excitement. My second was something closer to unease. Not because the AI was wrong. It wasn't. It was faster, more consistent, and more clear-headed than any human analyst I'd worked with. No ego. No fatigue at 11pm. No chasing losses. But the more impressive it got, the more uncomfortable my questions became. Whose values does this system encode? When it optimizes for "yield", whose definition of acceptable risk is baked into that objective? When it decides not to invest in a particular sector, is that a financial judgment or an embedded ideological one? When it declines a transaction, what recourse does the user have? The teams building autonomous financial systems are, whether they acknowledge it or not, making choices about how money should behave, who it should serve, and what it should refuse. Those decisions won't be in a board memo. They'll be in a loss function. I don't have clean answers to this. But I think about it every day. Because the founders who don't think about it now will be explaining their system's behavior to regulators and users in ways they won't enjoy.
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Be where you are respected. Well said @svembu .
Sridhar Vembu@svembu

Open letter to Indians in America. -- Dear brothers and sisters from Bharat: Like I did 37 years ago, you arrived in America with no money but with a good education and cultural heritage from Bharat. You achieved outstanding success. America was good to us. For that we must remain grateful - gratitude is our Bharatiya way. Yet today, a significant number of Americans, may be not the majority but not too far from it either, believe that Indians "take away" American jobs and our success in America was unfairly earned. You may think the next election will fix this, but your choice would be between people who hate our Bharatiya civilisation and people who hate civilisation itself. That is the "hard right" vs "woke left" battle. You are mere bystanders to that conflict. Meanwhile there is one thing that is true now and will be true in the future: the respect Indians command world-wide will substantially depend on the fortunes of India herself. If India remains poor, the woke left will give us moral lectures with pity and the hard right, different moral lectures with scorn ("hellhole") and we must not confuse either with respect. Respect in today's world, along with prosperity and security, comes from one source: a nation's technological prowess. India produces sufficient brain power to achieve that prowess but alas we exported so much of that talent, particularly to America. As we develop that prowess in India, our civilisational strength will assert itself. As difficult as it is for many of you to contemplate this, please come back home. Bharat Mata needs your talent. Our vast youthful population needs the technology leadership you gained over the years to guide them towards prosperity. Let's do it with a missionary zeal. Respectfully Sridhar Vembu

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Having kids ground you especially at the early years
Kevin | Large Fam Dad@LargeFamDad

My boss's boss is like 42, never married, no kids. Earns $275-300K per year. Goes on a minimum of two international vacations a year w/ his girlfriend. 10+ days, all out. Eats the best food, stays in top notch accomodations. Excursions, tours, nicest beaches, etc. Great guy, I'm happy for him. But what I've realized is that without kids, you end up chasing a lifestyle that has to continually be topped in order for you to be satisfied and find happiness. What he and others like him don't understand is that when you have children, seeing THEM experience life's most basic things and watching their eyes light up at all the "firsts", brings greater pleasure and joy than any vacation or travel experience ever could. Seeing THEM try blueberries for the first time is greater than dining at the best 5 star restaurant in Europe. Seeing THEM learn how to walk is greater than walking the Great Wall of China or strolling along the most picturesque beach. Watching THEM giggle uncontrollably at "peek-a-boo" tops any A-list comedian act. Seeing THEIR excitement when building a fort out of cardboard boxes and making a door big enough for daddy is superior to staying at 5-star resorts. Flying kites with THEM far outweighs excursions like parasailing or helicopter rides. Seeing THEM perform a recital on stage for the first time is more rewarding than watching a Broadway show or top notch symphony orchestra. ----------------- When you have children, all of a sudden you realize that life's greatest joys are not in the pursuit of things or pleasure or travel, but rather in the LOVE and bond you share with your very own image bearers. Seeing the beauty and magnificence and wonder of life all over again for the first time through THEIR eyes and expressions gives you something the world simply cannot offer, nor even come close.

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Lily Liu
Lily Liu@calilyliu·
We use our treasury to support the growth of the Solana economy. That is, definitionally, DeFi. But economies don’t exist in isolation. For Solana to be healthy, all of defi has to be healthy. We like competition. We compete hard. But if we zoom out, we’re all pushing toward open finance and open systems. We’ve deployed our treasury into Solana DeFi for many years. We supported Tether’s recovery plan for Drift. In moments like these, it’s important to show up for the broader ecosystem too. That’s why we are lending USDT into @aave for the first time to support their recovery efforts, and we will also be bringing $AAVE to Solana this weekend. DeFi United
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We've been thinking about yield all wrong. It's not a reward. It's not an incentive. It's load-bearing infrastructure. Here's what I mean. When users trust a financial product, it's because something underneath is holding value steady. In a bank, it's deposit insurance and lending margins. In a bond fund, it's coupon payments and duration management. In an onchain system? It can be real-world asset yield. Not because yield makes numbers go up. Because yield that comes from actual economic activity, asset backed financing, secured lending, receivables, creates a foundation that doesn't depend on market sentiment. When token prices fall, yield generated from RWA strategies doesn't fall with them. It keeps accruing. Quietly. Predictably. That's what makes it infrastructure, not a feature. Features are added to make products attractive. Infrastructure is what makes products survive. The next generation of stablecoin and DeFi protocols won't compete on APY. They'll compete on the quality of the yield foundation underneath.
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Anna
Anna@AnnaBirch3nko·
1/3 🚀 The future of finance is here. @zothdotio is the first privacy-first stablecoin neobank built for the Global South and the emerging AI Agentic Economy. We are unifying sustainable yield, global payments, and institutional security into one seamless platform. 🧵👇
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The next big crypto failures won’t come from smart contracts alone. They’ll come from the layers most teams still treat as secondary. - $293M drained at Kelp DAO. - Vercel access reportedly listed for $2M. - AI-generated phishing infrastructure scaling through platforms like Lovable. Three very different incidents gave the same signal. The attack surface has moved. It’s no longer enough to audit the contract and call it secure. The real risk now sits across bridges, credentials, deployment infrastructure, and interfaces. Kelp DAO exposed how one weak validation setup can cascade across DeFi. Vercel showed how modern software infrastructure can become a supply-chain risk overnight. Lovable showed how quickly AI-native tools can turn the interface layer into an attack surface. That shift matters. Because if trust depends only on code correctness, it’s incomplete. Real financial infrastructure has to survive bad keys, bad configurations, bad interfaces, and bad actors. That is the standard now. At @zothdotio, security is not merely a wrapper around yield; it is integral to the product architecture itself. This foundation is what enables us to bring real-world assets on-chain with full regulatory compliance from the Cayman Islands, oversight via a BVI FSC structure, and robust institutional controls. Less hype, maybe. More constraints, definitely. But that is what institutional grade financial infrastructure looks like. Security is not what protects you when nothing goes wrong. It’s what protects the system when everything does.
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Smokey The Bera 🐻⛓
Smokey The Bera 🐻⛓@SmokeyTheBera·
How much glue do you have to sniff in order to fud Arbitrum for freezing North Korean hacker funds? They reduced knock on effects at the heart of some of the most critical DeFi infra in existence User funds are more important than your performative decentralization platitudes
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Eric Kang
Eric Kang@exk200·
Since I’ve joined Tempo in Jan to lead DeFi: Resolv - 80m mint due to key compromise Drift - 230m oracle exploit due to key compromise Kelp - 100m+ mint due to DVN (key?) compromise
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The next billion-dollar fintech won’t have a checkout page. It won’t need one. We’re entering the era of agentic payments, where AI systems don’t just recommend financial decisions they execute them autonomously in real time on your behalf. Think about what that actually means. Your AI agent monitors cash flow, negotiates better subscription rates, moves funds between accounts to improve yield, pays vendors at optimal times, and settles invoices all without you opening an app. Payments stop being a verb you perform. They become an always-on process handled by your digital financial layer. This isn’t a UX upgrade. It’s a category shift. The infrastructure assumptions behind the last 30 years of fintech don’t hold up here. Payments were built around human intent at the point of action: a person, a terminal, a tap, a confirmation. Agentic finance introduces delegated intent expressed once and executed continuously. That requires new primitives: programmable spending policies, revocable authorizations, AI-readable financial APIs, and settlement layers built for machine-to-machine transactions. The builders who understand this are building the infrastructure that lets autonomous systems operate inside real financial workflows. We’re still early. But early is exactly where the category gets defined.
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Market Neutral, Asset backed yield now @zothdotio
Zoth@zothdotio

zOPAL Alpha is now officially live, powered by Zoth’s secure, institutional-grade vault infrastructure on the @Base network. If your wallet is whitelisted, you can now deposit and start earning up to 16% APY from day one. This is the earliest and most advantageous entry point into zOPAL before broader market access. Alpha participants get priority access to yield, incentives, and future ecosystem advantages.

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Every time a crypto asset crashes, someone says: "See? This is why DeFi can't be trusted." They're wrong. But they're not entirely wrong. Volatility alone isn't the problem. Volatility without a counterweight is. Think about how traditional portfolios work. When equities are volatile, bonds stabilize. When growth stocks swing, dividend stocks anchor. The system is designed to absorb shocks not avoid them. DeFi has never had that anchor. The counterweight already exists. A yield layer that doesn't depend on token price backed by real-world cash flows, not market sentiment. When the market swings, the yield layer holds. Not because it's magic. Because it's backed by something real. The gap isn't more yield or more leverage. It's structure. And that's exactly what's being built. The future of onchain finance isn't volatility-free. It's volatility-managed. The architecture for that future is already being laid. The only question is who builds it first.
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