Less debit cards, more protocols, better credit cards
Always be earning with onchain credit. Our clawdbots will thank us too. @Cointelegraph
cointelegraph.com/opinion/onchai…
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Vikram Arun
763 posts
Vikram Arun
@vik_runa
Building a better bank @superformxyz 🐽 contributing @tokenizedvault co-author erc7540
Miami, FL Katılım Ocak 2021
554 Takip Edilen4.6K Takipçiler
Vikram Arun retweetledi
The SEC just released the most important piece of U.S. crypto regulatory guidance ever produced. 68 pages. 148 footnotes. A 5-category token taxonomy. Safe harbors for staking, mining, wrapping, and airdrops. And a separation doctrine that changes how every token deal gets structured.
Initial takeaways in this thread. Full analysis in my article below.
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@StaniKulechov Great hire, João multiplied our engineering org for years. Excited to see Aave on 7540!
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I’ve been following João’s work for as long as I can remember, and I’m excited that today I have the opportunity to work together to help build the next chapter of DeFi.
João has already made incredible contributions to the space, including co-authoring ERC-7540, an asynchronous vault standard that now powers over $2B in TVL.
Together, we’re building unprecedented capabilities for Aave to push DeFi to the next level.
João@0xTimepunk
Excited to share that I've joined @aave as a Principal Smart Contracts Engineer. Aave is the protocol that defined what DeFi lending could be — and continues to push the boundaries of what's possible on-chain. Being part of a team building at this scale and impact is something I don't take lightly. I'm ready for this next chapter: new challenges, a world-class team, and the chance to contribute to a protocol that many depend on. Let's build!
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🐷🏦
Superform@superformxyz
The Superform Foundation purchased 237,808 UP for a total of 12,362.79 USD in connection with SIP-1. Protocol fees flow through SuperBank, are converted to UP, and distributed according to governance params. A total of 95,123 UP was transferred to the Staked UP (sUP) vault. Total UP purchased to date: 1,940,572 Verify governance transactions here: transparency.superform.xyz
ART
Anyone looking to get into cortisol spiking should launch a token. Truly S-tier
Something we didn’t get to but very related to everything discussed is that DeFi and agents are two sides of the same coin of people taking ownership again
The bank of the future starts with better UX for humans but becomes the backend for agentic finance
Agents paying, swapping, earning through smart accounts that are always productive
Agents writing strategies, automations, and analytics to manage their own vaults
Agents doing this onchain will be multiples more efficient and profitable than elsewhere. That world runs on permissionless protocols, not centralized APIs, and certainly not accessed through fintechs
That’s the biggest opportunity for crypto and this opens the door for much more extraordinary things in the future
Up
MR SHIFT 🦁@KevinWSHPod
DROPS E32: @vik_runa co-founder of @superformxyz: Banks failed us, Fintechs failed us, This is what comes next Vikram left Block Tower at 25 - managing a $150M DeFi portfolio - to build what he calls a better bank. Not a fintech wrapper. Not a crypto trading app. A self-custodial yield platform that actually lets you own the financial stack. We talk about: - Superform's pivot from yield marketplace to mobile-first neo bank - Why the future of crypto adoption isn't better tech demos - The argument that crypto is the only technology with the potential to unify a polarized society - Why DeFi needs insurance, downside protection, and real disclosures - Why retail traders have almost no edge left - How Celsius and FTX weren't DeFi failures - What he actually does with his money And much more… Timestamps: 0:00 - Introduction 1:58 - Trading Update 3:29 - Majority people lose in crypto 5:47 - Who is Vikram and what is his aim? 8:04 - What is he doing now? 11:47 - BlockTower and its role 14:27 - Why is trading Crypto easy? 16:37 - Experience with Memecoins 19:05 - Way Forward for Retail Traders 21:36 - Vikram’s Suggestion 23:19 - Is DeFi safe? 25:02 - $150 Million Story 27:15 - Hardest thing right now 31:50 - Superform’s Mission 34:05 - Web 2.5 users 39:20 - USDC and Yield generation 41:52 - Branding matters 43:46 - Role of Mascots 44:53 - Psychological Safety 48:08 - Role of Superform When DeFi Goes Invisible 50:14 - Future of Superform 52:54 - Conclusion
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four years ago we started building because this gap was obvious to anyone paying attention. banks pay 0.50%, onchain pays 5-10x that. the hard part was never the yield, it was making it accessible to people who don’t want to manage 12 wallets and 3 bridges. superform.
Frank Chaparro@fintechfrank
Stablecoin yields making the WSJ. Traditional savings accounts still average ~0.50%, money markets ~0.51%. Meanwhile some crypto users are earning 5%+ on stablecoins,
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Vikram Arun retweetledi
HyperEVM was one of the toughest chain integrations for the Superform Bundler.
No Tenderly support.
No eth_simulateV1.
We built our own simulation engine from scratch — DFS traversals over call traces, atomic bundle simulation, custom state reconstruction.
Superform@superformxyz
Superform x @HyperliquidX is now live. Deposit from any chain, any asset into HyperEVM vaults on Superform. One interface for your entire portfolio. The user-owned neobank meets the blockchain to house all finance. Hyperliquid.
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Superform web & mobile now on Hyperliquid
Next, Up and SuperVaults on Hyperliquid
Hyperliquid
Superform@superformxyz
Superform x @HyperliquidX is now live. Deposit from any chain, any asset into HyperEVM vaults on Superform. One interface for your entire portfolio. The user-owned neobank meets the blockchain to house all finance. Hyperliquid.
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Vikram Arun retweetledi
Vikram Arun retweetledi
Vikram Arun retweetledi
Reward the Real Ones: Defining Meaningful Community Outcomes by @0xCrouton from @Superformxyz
Learn to define meaningful outcomes and measure them by avoiding noise. This talk breaks down differences in rewarding tasks, outcomes, and retention then introduces a model to score onchain and offchain contributions. Most communities reward activity, here’s how to fix incentives and reward impact.
Full Video Bellow 👇🧵
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Vikram Arun retweetledi
🚨 Proof of Vision #42 is now live.
For our 42nd episode, our Director of Protocol Services,
@0xKmack, had on @vik_runa, CEO of @superformxyz
Superform is the first user-owned neobank, built to simplify how people earn, save, and spend onchain.
With its flagship SuperVaults, non-custodial automated vaults secured by validators, it deploys capital across vetted DeFi strategies like Morpho lending and Pendle fixed-term positions, delivering a decentralized alternative to traditional banking and centralized platforms.
In this episode, we get into why vault infrastructure is the next major financial primitive, how SuperVaults curate and manage risk, and why token transparency is the real unlock for sustainable value accrual.
Enjoy the Podcast 👇
🎙️ Timestamps:
0:00 - Intro
2:00 - Market outlook & crypto sentiment
4:00 - Guest background: Wall Street, BlockTower & path to Superform
8:00 - What is Superform & the neobank vision
11:00 - SuperVaults vs B2B vault infrastructure
15:00 - Distribution strategy & scaling to millions of users
18:00 - Institutional selling points & decentralized UX
20:30 - SuperVault tech stack & the evolution of onchain vaults
24:30 - Vault curation: Morpho curators, Pendle PTs & risk management
27:00 - Pendle PT evaluation framework & hurdle rates
29:30 - Liquidity management & batched redemption mechanics
32:00 - DeFi transparency vs traditional banking
33:30 - UP token: revenue, governance & value accrual
40:00 - Why tokens matter & what's next for Superform
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Vikram Arun retweetledi
The Superform Standard.
Public.
Transparent.
Verifiable.
blog.superform.xyz/2026/02/16/sup…
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Vikram Arun retweetledi
Say hi if you see us in Denver
(You might win a gold bar)
@superformxyz @vik_runa @0xCrouton @blakechains
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@blakechains @TheBlockDaddy Trying not to make multiple jokes right now
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After 9 years of working professionally in crypto, I finally have my own token.
I’ve worked with my co-founder @vik_runa for 6 years and @TheBlockDaddy for 4.
Most founders have 4 years in the industry, 6 co-founders and 9 tokens.
Proud to be different.
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If Superform wins, two things will be true:
1) You'll use onchain products without knowing it and without giving up anything to an intermediary
2) Every asset you own will exist and be productive onchain.
$UP is how you bet on that future.
Tokens have been down only because of a lack of transparency, regulatory clarity, and value capture to decentralized protocols. Today we're also launching our Transparency Dashboard with full visibility into operations, token distribution, and roadmap: transparency.superform.xyz
The new banking stack shouldn't be owned by JP Morgan. It shouldn't be owned by Robinhood. It won't be owned by Superform either. It'll be owned by the individuals that use it governed by those who hold $UP.
To show this commitment to user ownership we have given out no tokens to any centralized exchange. You can view our full disclosures here: superformfoundation.org/up-disclosures
We’ve toiled to build a permissionless protocol and cross-platform app on top that stays true to what we believe in. It solves the biggest thing wrong with crypto right now: a lack of decentralized products superior to their centralized counterparts that can also be sustainable businesses that solve real issues for real people.
To everyone who has been with us in supporting this mission, instead of ending with another UP only, "It ain't about how hard you can hit. It's about how hard you can get hit." Bring it on.
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Transparency other projects should aspire to… $UP
Vikram Arun@vik_runa
If Superform wins, two things will be true: 1) You'll use onchain products without knowing it and without giving up anything to an intermediary 2) Every asset you own will exist and be productive onchain. $UP is how you bet on that future. Tokens have been down only because of a lack of transparency, regulatory clarity, and value capture to decentralized protocols. Today we're also launching our Transparency Dashboard with full visibility into operations, token distribution, and roadmap: transparency.superform.xyz The new banking stack shouldn't be owned by JP Morgan. It shouldn't be owned by Robinhood. It won't be owned by Superform either. It'll be owned by the individuals that use it governed by those who hold $UP. To show this commitment to user ownership we have given out no tokens to any centralized exchange. You can view our full disclosures here: superformfoundation.org/up-disclosures We’ve toiled to build a permissionless protocol and cross-platform app on top that stays true to what we believe in. It solves the biggest thing wrong with crypto right now: a lack of decentralized products superior to their centralized counterparts that can also be sustainable businesses that solve real issues for real people. To everyone who has been with us in supporting this mission, instead of ending with another UP only, "It ain't about how hard you can hit. It's about how hard you can get hit." Bring it on.
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