Thomaz Fortes
372 posts
Thomaz Fortes
@thomazlysafor
General Manager at Nubank & Senior Crypto & Digital Assets Executive Director
Sao Paulo, Brazil Katılım Nisan 2016
1.2K Takip Edilen410 Takipçiler
Most stablecoin payments today are publicly visible, which is a non-starter for many businesses looking to adopt stablecoins
We’ve developed Tempo Zones, a practical privacy solution for stablecoin payments
Live on testnet now… more below
Tempo@tempo
Blockchains still broadcast every transaction publicly. Every stablecoin payment leaks the amount, the sender, and the recipient. We’re excited to share that Tempo is building Zones for businesses that need privacy: private blockchains that are interoperable with the rest of Tempo for stablecoin use cases like payroll, treasury, and settlement.
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Yes! Data is very strong on focusing on Process as the best to improve performance:
#d1e3250" target="_blank" rel="nofollow noopener">tandfonline.com/doi/full/10.10…
“in 27 studies, this review has revealed several noteworthy findings. First, based on the evidence included, process goals appear to be the most effective goal type for enhancing performance and improving certain psychological outcomes (e.g. self-efficacy). Second, self-referenced goals (e.g. process, performance, and mastery) often lead to positive outcomes, whereas goals based on normative comparisons do not improve performance and result in some maladaptive psychological outcomes. Third, non-specific goals appear to be just as effective as specific goals for improving sport performance. Finally, studies guided by self-regulation theory produced the greatest performance enhancements…”
I highly recommended reading Alfred Bandura work on Self Efficacy for the self regulation topic.
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There are 3 types of goal setting techniques, and they’re not equally good.
1. Outcome goal (least useful):
“Get straight A’s.”
This is the end result, but you can’t directly control it.
2. Performance goal (better, still limited):
“Get 90%+ on exams.”
More specific, but still focused on results.
3. Process goals (most important):
- Review notes within 24 hours of every class
- Do practice problems daily, even when no homework
- Redo missed questions and explain the answer out loud
- Short, consistent study blocks > cramming
The mistake most people make is focusing on the first two.
If you execute the process goals, the performance improves and the outcome takes care of itself.
Judge yourself by whether you did the process, not the grade.
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Thomaz Fortes retweetledi
The best way to improve is not to focus on results. It’s to focus on habits.
27 studies: Behavior change goals are 3x more effective than outcome goals in boosting performance. Growth depends on altering the actions we can control.
A key to progress is concentrating on process.
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Thomaz Fortes retweetledi
Thomaz Fortes retweetledi
Very excited to have @MichaelRihani joining Nu and what we will do for the future of money and crypto!
Michael Rihani@MichaelRihani
Thrilled to share that I’ve joined @Nubank (NYSE: NU) as Head of Crypto. Nubank is one of the largest digital financial services platforms in the world with over 123M customers, more than 60% of Brazilian adults as customers, a $75B+ market cap, and 80%+ of its growth comes from word-of-mouth referrals. Nubank has revolutionized personal finance in Brazil, opening the financial system to millions who had been locked out. With a foundation built on simplicity, transparency, empowerment, and a fanatical obsession with customer love, Nubank expanded into Mexico and Colombia, becoming one of the few truly global success stories in fintech. Nubank’s single-codebase banking platform provides a unique competitive edge, enabling efficient expansion across countries while legacy-bound competitors struggle. Three seismic shifts are reshaping the future, and Nubank is poised to lead: 1. Bitcoin and stablecoins are redefining global money and payment infrastructure 2. Decentralization is transforming financial services, identity, and digital ownership 3. AI is reshaping banking with personal, intuitive, and tailored experiences This is not a bank that’s incrementally better, it’s fundamentally different. Recognized by Time 100 Most Influential Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks, Nubank is building for the long term by making customers fanatical about the product. Congrats to @velez_david, @junqueira_cris, Edward Wible, and the team on building one of the best-run tech companies in the world. Thank you to @thomazlysafor and @velez_david for welcoming me into the Nubank family. I’m truly grateful and honored to be here. We’re hiring on the Crypto team in the US and LATAM: Lead Designer, Lead Engineers, and Senior Business Analyst. Apply at international.nubank.com.br/careers/ or reach out to me directly. I’m dedicating the rest of my career to #Bitcoin and improving the world’s money. If you want to build a new global financial system, there’s no better place than Nubank. Join us.
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@MichaelRihani @nubank @sequoia @davidmarcus @dougleone @jackiereses @lamorenolam @velez_david Super excited to have you onboard, partner!!
English
Thrilled to share that I’ve joined @Nubank (NYSE: NU) as Head of Crypto.
Nubank is one of the largest digital financial services platforms in the world with over 123M customers, more than 60% of Brazilian adults as customers, a $75B+ market cap, and 80%+ of its growth comes from word-of-mouth referrals.
Nubank has revolutionized personal finance in Brazil, opening the financial system to millions who had been locked out. With a foundation built on simplicity, transparency, empowerment, and a fanatical obsession with customer love, Nubank expanded into Mexico and Colombia, becoming one of the few truly global success stories in fintech.
Nubank’s single-codebase banking platform provides a unique competitive edge, enabling efficient expansion across countries while legacy-bound competitors struggle. Three seismic shifts are reshaping the future, and Nubank is poised to lead:
1. Bitcoin and stablecoins are redefining global money and payment infrastructure
2. Decentralization is transforming financial services, identity, and digital ownership
3. AI is reshaping banking with personal, intuitive, and tailored experiences
This is not a bank that’s incrementally better, it’s fundamentally different. Recognized by Time 100 Most Influential Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks, Nubank is building for the long term by making customers fanatical about the product.
Congrats to @velez_david, @junqueira_cris, Edward Wible, and the team on building one of the best-run tech companies in the world. Thank you to @thomazlysafor and @velez_david for welcoming me into the Nubank family. I’m truly grateful and honored to be here.
We’re hiring on the Crypto team in the US and LATAM: Lead Designer, Lead Engineers, and Senior Business Analyst. Apply at international.nubank.com.br/careers/ or reach out to me directly.
I’m dedicating the rest of my career to #Bitcoin and improving the world’s money. If you want to build a new global financial system, there’s no better place than Nubank. Join us.
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@anthonynoto The feeling is very mutual! The @SoFi team really rocks!
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@twiteis @Stromens @davidmarcus @Bitbello @nubank @umastandard Excellent response by our users. It’s gonna happen.
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@Stromens @davidmarcus @Bitbello @nubank @umastandard Yes, @nubank is very big in Brazil, but I think probably 1% of Nubank users have access to @umastandard feature.
cc @thomazlysafor
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Let’s take a moment to truly digest the significance of major banks in the US, Latin America, Europe—and soon everywhere—using Bitcoin as neutral TCP/IP packets for money to offer realtime, 24/7, ultra cheap global payments to their customers. It’s happening! Let’s go!
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Very excited for Nu for products customers growth in Q2 2025 results, among them Crypto with 6.6M, 41% YoY, and still so much to build and integrate between crypto and the whole financial services ecosystem.
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Nubank's results are INSANE. Every other bank CEO must look at these and be like... HOW?
Here's the breakdown...
* 122.7 million customers (+4.1M net additions)
* $3.7 billion revenue (+40% YoY)
* $637 million net income (+42% YoY)
* $12.2 monthly revenue per active customer (+18% YoY)
* $0.80 cost to serve per customer
* 83.2% monthly activity rate
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When I first started off in the ETH ecosystem almost 10 years ago, it was obvious that protocols were the most powerful rails we had for moving money and assets.
The problem was……we were way too early.
Stablecoins didn’t exist. Custodians (qualified) didn’t exist. Real-world assets were still a fantasy. @corbpage and I started building a product called Meridio that’s was designed to take on Nasdaq, Goldman, and BlackRock head-on but the market just wasn’t ready.
Fast forward a few years and I ended up at Facebook working on the same core idea how do you move money across the world as easily as sending a text? For people like me this wasn’t theoretical. This is remittances. Rent. Tuition. Commerce. It’s real access.
That was the inspiration that led to Aptos.
A chain purpose-built for money and movement. Actual assets, value, infrastructure. And it’s taken a while, but the ecosystem is finally catching up to the vision. We were the first scaling solution for Blackrock, Franklin Tempelton, Apollo, Brevan Howard and many others.
Aptos is still one of the only chains built with this in mind. And it’s finally starting to show.
Not because of marketing.
Not because of hype.
But because I built Aptos to dominate in the tokenizaton of economies.
The mission was always bigger than me. It still is.
Well done @SolomonTesfaye_, @rpranav and team. The torch holds strong with good leaders 👏.
Solomon Tesfaye@SolomonTesfaye_
Public stocks, tokenized funds, private equity / credit, money market funds, commodities, deposits, structured products, real estate, reinsurance, carbon credits and more... are already available or coming to @Aptos RWA Leaderboard:
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@thomazlysafor Olá Thomaz, quando a @umastandard será integrada em toda base de usuários do Nubank? Estou há tanto tempo aguardando, rs. Obrigado.
Português
Um governo que aumentou tantas vezes os impostos desde 2023 que já perdi a conta.
Absoluta falta de disciplina fiscal.
Fernando Schüler@fernandoschuler
Não faz sentido o governo dizer que "opera no limite do caixa" e que "não há alternativa" ao ao aumento do IOF. Claro que há: cortar gastos, fazer reformas, limitar supersalários, revisar incentivos, emendas. Fazer o que é difícil e não apenas o que é fácil.
Português
A conta do @PedroLulaMota está corretíssima.
Pedro, ensina o prompt pro pessoal pedir pro chat gpt fazer a conta para eles, tem muitos aí que nem viram a bola 😂🤣. Tipo isso?
“Por favor calcule o retorno do cdi diario em reais, calcule o retorno diário do dólar contra o real, e converta o retorno do cdi diario para o dólar, transformando em um novo ativo. Calcule quanto, em dólares, um investimento no cdi teria rendido nos ultimos 10 anos, 20 anos”
Pedro Mota, CFA, CAIA@PedroLulaMota
O CDI acumulado em dólares nos últimos 15 anos rendeu perto de 0%. Essa informação vai de encontro a argumentos que já escutei que não faz sentido dolarizar o patrimônio e ficar na renda fixa brasileira. Se o Brasil tem juros altos, quer dizer que nossa moeda é podre.
Português
@davidmarcus 👏👏👏 builders keep building for the long term - infinity.
English
Today was such an incredible day for so many of us who resisted, persisted, and stayed in the game for long enough to live this moment. 🇺🇸 is now leaning in to lead the world’s Digital Assets Industry with a focus on Bitcoin and Stablecoins. Couldn’t be more bullish. Onward!
The White House@WhiteHouse
President Trump Delivers Remarks at the White House Digital Assets Summit twitter.com/i/broadcasts/1…
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