Ross

@apoorv1 @risextrade Congratulations!

Feels so good to have the @risextrade product finally live. Of all the advice you get in crypto, nothing like having a live product and real user data to make decisions. Get the product out to the users faster, and iterate. DM for gated access.

two months bootstrapping a neobank fintech: 1) i think our main lesson last month was: don’t rely on a single partner for money orchestration on sales call, they have everything you need, but when time comes, sooo many issues present - some partners have great fees, but very poor api/docs (basically non-implementable, gotta do everything manually) - some have great API, but extremely rigorous compliance (you integrate the whole thing, to only then find out they wont approve your clients) - some have great support, but wont cover all rails your clients need (pix only, no ACH, no swift, no named accounts, no microdeposits, etc) - some have everything you need, but charge a high monthly minimum with 2x fees you got from the other provider - not to mention the perfect partners, but with abusive contracts that makes our lawyer Claude go crazy we spoke with ~15 orchestration partners for USD, BRL, EUR, AED, CHF and CNY, and realized there’s no “one size fits all” unfortunately so we are basically analyzing what each client needs and activating partner XYZ for them - it’s working fine, besides the tech complexity (though i have already fully integrated 8 partners and it's now taking me 1-2 days to get the whole thing up and running, while larger teams would take weeks - that's the power of repetition) 2) we initially decided on using Base USDC for our backend (even though our clients don’t really see anything stablecoin-related on the dashboard, as a product strategy) but some banking partners wouldnt work on that chain, and Solana seemed to have better coverage and speed so we had to build our own bridging process using circle’s CCTP (to make sure no % fees incurred, eating the low fees we charge) - this was pretty cool but very hard to make it work so now we became not only multi-partners but also multi-chains (no USDT support though, that additional 0.1% was a no-go for us) 3) one of our clients (who turns out to be an old friend), brought his while whole Payroll to Dolafy i built a special dashboard area so they could add all employees/collaborators, enter their banking details, salary and pay date then in a single click every month, they would pay that employee anywhere in the world (via ACH, WIRE, PIX or SEPA), using their Dolafy balance had to work for 20 hours the day it went live, but worked really well and their finance team loved it (much more organized and simple than the bulk-payment via CSV they were doing at Husky) the Payroll product itself is not so profitable in comparison to other clients moving millions in one txn, but it was really satisfying to be able to see all these people getting paid by Dolafy 4) the Credit Cards implementation has been my biggest frustration - i even had nightmares with it and woke up many days in terrible mood even though i implemented their whole API in 2 days, it’s been over a month already and their compliance and legal teams keep slowing us down things like: “hey, you cant mention the term unlimited cards, must be multiple cards” and then i fix it in 5 minutes, and they submit for approval that takes 7 days again and then they come back with “you actually cant talk about cards at all on the homepage, must create a separate page for that” “unlimited back and forth” seems a reasonable term to describe them though in the end, the partner changed the whole copy of our site and we still couldnt get the approval after 40 days ughh tbh, im not sure they are that slow because of bad management or because they try to push the onboarding longer to monetize the setup fees (even though they are losing revenue during this period) anyway, i hope we have cards live in the coming days which will be huge to get more clients and make the current ones move more money with Dolafy (unfortunately there are not many BIN Sponsors for Corporate Cards that we could use besides them) 5) my partner is thinking about moving with his wife to Floripa so we can set up a Dolafy office here the magic island is now the center of crypto and fintech companies in Brazil, plus many of our clients are living here (quality of life and safety for the rich) them startup offices are mainly in the SC/Jurere area (which is opposite side from where I live on the island) but it’s cool to be a short drive away to people with high synergy instead of a long flight so yeah, that’s it for now. talk to you again on our 3rd month building a fintech, hopefully after processing millions in Meta / Google Ads txns (that's what our clients need cards for) thanks for following

@tetherwallet @tether @btc @btc r0ss@tether.me

The tap is turned back on! 🚰⚡️ The @btc faucet is officially LIVE again. To claim your free Sats, reply to this tweet, making sure to tag @btc AND include your @tether.me username. We will instantly drop a piece of Bitcoin straight into your wallet! Follow @btc & @tetherwallet

Very excited to see Tempo's new virtual address feature announced yesterday Rhino.fi has built this across 20+ chains to enable stablecoin collections & activation from multiple ecosystems (including Tempo!) Using rhino.fi's Smart Deposit Addresses you can enable your customers to onboard to your app from multiple chains, in USDT & USDC, and have the deposit available in their embedded wallet on the chain of your choice within 15 seconds. If you are building on-chain you know how complex this type of infrastructure is to build and maintain. Rhino.fi does all of the heavy lifting, meaning you can launch your product quicker and immediately tap into customers from multiple ecosystems. There are over 800,000 rhino.fi deposit addresses live & being monitored for customers, processing $10bn+ of deposit volume per year. Quickly becoming enterprise-grade essential infrastructure for any serious app!

The Arbitrum Security Council has taken emergency action to freeze the 30,766 ETH being held in the address on Arbitrum One that is connected to the KelpDAO exploit. The Security Council acted with input from law enforcement as to the exploiter’s identity, and, at all times, weighed its commitment to the security and integrity of the Arbitrum community without impacting any Arbitrum users or applications. After significant technical diligence and deliberation, the Security Council identified and executed a technical approach to move funds to safety without affecting any other chain state or Arbitrum users. As of April 20 11:26pm ET the funds have been successfully transferred to an intermediary frozen wallet. They are no longer accessible to the address that originally held the funds, and can only be moved by further action by Arbitrum governance, which will be coordinated with relevant parties.

@Privily_fi Congratulations!

Privily is live. After months of building, the beta is open. A privacy protocol for your financial life: Shield your assets Send privately Exchange without exposing your portfolio Request payments through a shareable link In full privacy and control. app.privily.fi

From privacy breakthroughs to AI agents and institutional rails, the Ethereum ecosystem keeps shipping. Here are 22 things the ecosystem delivered over the past few weeks. 0/ @gnosis_ and partners introduced The Ethereum Economic Zone (@etheconomiczone), a framework to unify the L1 and L2s into a more composable system with better interoperability. 1/ @aztecnetwork Alpha went live, a feature-complete privacy stack built natively on Ethereum. 2/ @aave V4 was released with a new hub-and-spoke architecture with support for over 20 assets across three initial liquidity hubs. 3/ @PrivacyEthereum released Social Recovery SDK, a wallet recovery model where trusted guardians can help restore access if the owner loses their private key, replacing seed-phrase backups with programmable onchain policy. 4/ Post-quantum wallets launched on @Starknet. A path to quantum resistance without address changes or hard forks. 5/ The @ethereumfndn's Board released the EF Mandate. This document, which was first intended for EF members, reaffirms the promise of Ethereum, and the role of EF within this ecosystem. 6/ Private transfers are live on @Scroll_ZKP. You can now send funds privately onchain, advancing default user protections and confidentiality. 7/ @base introduced Batches Cohort 003. 12 teams were selected from 1,100+ building across AI, DeFi, payments, and prediction markets, pushing forward OnchainApps. 8/ @ethereumfndn launched pq.ethereum (dot) org. Supporting coordination and research in post-quantum cryptography. Two breakthrough papers progressing research on PQ, with input from Ethereum researchers, were also released. 9/ Stablecoins on Ethereum hit a new ATH. Supply surpasses $180B, up 150% in 3 years, with ~60% market share globally, reinforcing Ethereum’s role in stablecoins and DeFi. 10/ @Morpho launched Morpho Agents (beta), allowing users to integrate lending into apps via natural language using AI agents and accelerating the convergence of DeFi and AI. 11/ @thedaofund deployed $1M+ via an Ethereum Security quadratic funding round hosted by @Giveth, funding work to strengthen security across the ecosystem. 12/ Deposit time from L1 to L2s and exchanges can now be as low as 13 seconds due to the new Fast Confirmation Rule (FCR). This new industry standard can be adopted by the ecosystem over the next few months. 13/ @hinkal_protocol launched Hinkal Pay, end-to-end confidential payments where sender, receiver, and amounts remain private. 14/ @peerxyz launched Peer Verify, allowing users to prove their identity, in a privacy-preserving way via ZK proofs. 15/ @ensdomains integrated with PayPal, allowing users to send funds cross-border using ENS names instead of addresses. 16/ @AskVenice shipped verifiable end-to-end encrypted AI, introducing privacy systems that can be externally audited and proven. 17/ @safe released Safenet (beta), a pre-execution security layer for Safe wallets that runs before transactions execute onchain. 18/ @SiloFinance launched Silo V3 for safer lending markets in DeFi. The team rebuilt core assumption behind lending so collateral does not need to be sold to keep markets solvent. 19/ @coinbase announced x402, an initiative to establish the x402 protocol as a universal standard for AI-driven payments, is moving under the Linux Foundation to ensure vendor-neutral, community-governed oversight of the protocol. 20/ @zksync introduced The Cari Network, a new platform to bring tokenized deposits onchain, developed alongside five regional banks and powered by ZKsync’s Prividium. 21/ @EthCC completed their 9th annual event in Cannes with attendees from across the industry. @ETHGlobal hit a milestone with their 300th event following ETHCC, continuing to support builders across the global ecosystem.

the success of citrini’s strait report is exactly why we’re hiring writers at @gondorfi being able to creatively show why you’re different is a brand’s most valuable asset if you want to become the analyst #3 of prediction markets, apply below

Rhino's 1:1 stablecoin swap feature just launched The need from clients was clear - stablecoin FX causes friction for customers If a customer deposits 100 USDT from Solana to their favourite app, they expect to see 100 USDC in their account. This sounds simple, but the UX improvements are huge! If you send $100 from your bank account to another bank account, you don't expect $99.99 to land. The same should be true for stablecoins. Congratulations to the rhino team for rolling this out. And a huge thank you to all of our partners who helped make this happen!

@t0network Congratulations guys!

t-0 Network is live. Backed by Tether, we are launching today with 30 financial institutions, covering 1,200+ cross-currency payment corridors through a single API. tether.io/news/tether-an…

Congratulations to the t-0 team on the launch! Cross border payments have just received a huge upgrade with t-0s network model, near instant non-custodial settlement and netting across FIs - powered by USDT It has been incredible to see first hand how strongly t-0 resonates with everyone who speaks with James and the team. The network gets stronger with everyone who joins

@itamarl @Dishoom Have you tried kricket? kricket.co.uk

Back in London after 5 months in Buenos Aires First stop: @Dishoom

@r3vl_xyz @rhinofi Excited to be working with you!

Big news: our Universal Stablecoin ID just got faster and WAY cheaper! We're integrating @rhinofi as a liquidity partner for Pay(ID) 🦏⚡ Cross-chain, cross-asset transactions have never been this efficient! Here's what's changing 🧵

@rhinofi @r3vl_xyz 🤝

Rhino x @r3vl_xyz 🤝 Reveel integrated our cross-chain swap API to support a wider range of stablecoin payment routes across 20+ chains. Building payment flows and need broader chain coverage, fixed pricing and deep liquidity? Talk to the Rhino.fi team → rhino.fi/contact

Why @0xfluid keeps appearing in your @nuvolari_ai daily Insights? It's SMART Your Collateral earns LP fees Your Debt gets cheaper thanks to trading fees AI insights are matched to your Mood based on: - quality of the protocols you interact with - if you prefer high-TVL - how diversified you are - your typical on-chain actions It's time to enter Fluid Vaults and earn multiple yield streams in one-click Code: 0X_FLUID

@apoorvsadana Thank you for sharing your insights. We have many of the same leaning points and it is a pleasure to be working with you and the team

We shipped a ton in 2025 and definitely moved the needle. I’m super excited about what we’re building in 2026 but also wanted to take a moment to reflect on some learnings from the past year. Here are some of my learnings from 2025. 1. Interest ≠ Need. A lot of customers will find it “interesting”, but a single call will make it evident who genuinely wants your product and who is just there to explore. The goal is to NOT overspend time and energy with the folks who’re just exploring. Ask the hard questions and figure out if the party really needs what you’re building. Selling rollups/chains, in most cases, isn’t something that you can push on customers like a free trial (contrary to a productivity or management tool). The customer’s business should demand a rollup for the deal to go anywhere. 2. Enterprise sales are slow and uncertain. We learned this again and again. Big customers (rightly) take time to close. And deals that you might think are close to completion can flip anytime. 3. Our target, still, is enterprise customers. It became evident mid-year that we’re NOT going to have a thousand chains anytime soon. The business isn’t in building a self-serve platform to deploy your rollup in seconds. The business is in closing bigger enterprise customers that actually generate revenue. 4. Verifiability + Web2-level privacy has early signs of PMF. All our customers (and the ones in discussions too) are interested in RPC level privacy and want a chain just for that. This was one of the biggest learnings from working with @finternet_org too. RPC masking and your own chain is one of the most effective ways to solve for privacy today without complicating your solution with mixers, not battle-tested code, non-compliance, etc. 5. Nobody knows. VCs, podcasters, crypto Twitter OGs — everyone just has their own (exaggerated) views about what will make it big. A lot of companies and founders that were destined for success in 2024 have either shut down in 2025 or pivoted to something entirely new. Nothing wrong in pivoting or shutting shop, the only takeaway here is to constantly keep questioning everything you read (especially on social media) and try to fit it into your own worldview. You will be wrong, of course, but at least this way you come out with a more evolved view of the world. 6. Web3 is genuinely open finance. In one of our pilots we tried before @arcxtrade, we could integrate w/ @Polymarket with 0 phone calls and 0 sign-ups (meanwhile, try integrating a fiat payment SDK into your app). We are also building ArcX crypto-natives first. Anyone, anywhere in the world can build for crypto-natives! 7. Teams are going to be much smaller with AI. Our team size did reduce in 2025. Yet, surprisingly, the impact wasn’t strongly visible to me. The first credit here obviously goes to the team for working day and night, across weekends and holidays, without complaining and hopefully being excited about it (no other way to make it big!). However, I think we all agree that AI is a generational shift in how we’ve been working, and it’s going to change how companies will be built in the future.

introducing @synthesistrade public beta trade the moment synthesis.trade