Will White

genius act passed july 2025, stablecoin market cap has doubled since everything we said about regulatory clarity is manifesting sec/cftc token guidance + clarity act is next great unlock, golden age of crypto-enabled apps and businesses loading

TLDR on MPP vs x402 Both support multiple payment rails… many think x402 is crypto-only but that changed with v2.0 What’s the difference then? x402 does one-off payments but MPP also does streaming But is there a catch? Yes… x402 is multi-chain while MPP runs only on Tempo

you might be down bad but at least you're not in this photo

I was a fashion photographer for over a decade before crypto. I worked for magazines like @ELLEmagazine @marieclaire @Cosmopolitan and brands like @LouisVuitton @gucci and more. The Vanity Fair article was a setup to mock crypto and those it depicted.

Wallets are undervalued by the market. Enormous potential.

Today, we announced our intent to acquire @BVNKFinance, expanding our end-to-end support of digital currencies with BVNK’s leading stablecoin-based payment Infrastructure. Together, we’re strengthening how fintechs, platforms and financial institutions connect traditional fiat and on-chain payments across rails, currencies, and regions.

the nonbelievers were holding on to the belief that stablecoins were a niche crypto trading phenomenon. and yet supply is currently hitting all time highs. stablecoins are unambiguously moving beyond trading and becoming core financial infrastructure.

Thank you, @Sen_Alsobrooks, for the reminder that the status quo is worse for banks than a bipartisan compromise in the Clarity Act which prevents deposit flight and promotes innovation. America needs clarity. Let’s get it done.

Literally everyone over the last 12 months: "Markets are so shitty. Literally worst bear market ever." Meanwhile, during that exact same 12 months: Morpho RWAs up 33x Prediction market volume up 17x Perp DEX volume up 4x Stablecoin active addresses almost doubled All while the Genius Act passed and the Clarity Act looks more likely than ever, probably the two biggest regulatory tailwinds and door openers for insitutional money this industry has ever seen. But sure, super bearish market. Feel free to sell.

Why don’t they just tokenize the oil in the Middle East and transport it across permissionless financial rails, thereby avoiding the Strait of Hormuz altogether

the chess board in crypto is completely changing by the end of 2026, will be unrecognizable

We are proud to be a part of @Mastercard’s partner program and build the future of stablecoin and crypto payments together.

Credit where it's due, this team is relentless

Banks: we want a level playing field! Fintechs must be regulated! Fintechs: OK, here’s my application. Banks: fintechs must never be allowed to become regulated banks!

Today's lesson in "look what they do, not what they say"

What an incredible evening to celebrate @Ripple's recent regulatory milestones in the UK and EU. I'm still pinching myself — but yes, we really did lift Tower Bridge for a Ripple-branded boat to pass through. 🚢 It felt like the perfect backdrop. Our EMI licence and Cryptoasset Registration from the UK's FCA, alongside our EU EMI licence, mean that the bridge between TradFi and DeFi is officially open - and last night we made that quite literal. The era of experimentation is over and regulated, institutional-grade production is here. A huge thank you to everyone who joined us at the top of Tower Bridge to mark the occasion, and to my colleagues across the UK and Europe who work tirelessly to build the future of finance. This moment belongs to you.

Agree on most of this, but in your example, if high-quality tax prep suddenly becomes 10x cheaper, demand for that service doesn't stay at 1x. At that new price point, demand is likely to be 100x or 1,000x. Sure, the distribution and execution will look different, but the demand for the service at that *quality* level increases, not decreases.

This chart from Anthropic's Economic Index is genuinely one of the best visualizations I've seen for understanding which job categories are most exposed to AI. Spoiler: it's mostly white-collar. But the report has a massive blind spot: it's entirely supply-side. It measures which tasks AI can perform, then assumes that means for "mass unemployment". What it never asks is... what happens to *demand* for the output of those professions? This matters enormously, because not all white-collar work is the same. Some professions produce a fixed number of outputs. If you run an accounting firm, clients want one tax return. One set of financials. Make that work 10x cheaper and you don't get 10x more demand. Those jobs are genuinely at risk. But software? If you make software cheap to create, the demand is effectively unlimited. There's a massive backlog of software that doesn't exist because it wasn't worth building at 2024 labor costs. Games, internal tools, niche automations, apps nobody bothered to spec out. Drop the cost 10x and you might unlock 50x the demand. This is Jevons Paradox again — the observation that making a resource more efficient often *increases* total consumption rather than decreasing it. The report never mentions it. Ironic b/c that has a seemingly contradictory implication both the SAFEST jobs the most at RISK jobs are likely those most impacted by AI. what matters is not how much AI is being used, but how much demand there is for what AI creates. This is also ironic b/c the industry gets blue in the face mentioning out Jevons paradox means we will need more compute even as inference gets cheaper, but fails to apply that same thinking thinking to the labor market!

Also I PROMISE you you’re not focused on Manchester enough. That city is also about to pop off.

The quality, rigor and professionalism of startups I see coming out of London is extraordinary. If you’re still dismissing it because of some dumb shit you read on here, more fool you.

🚀 Tap. Pay. Done. @WalletConnect Pay is going NFC — tap-to-pay is coming soon to your favorite wallets. No QR codes. No friction. Just tap your phone and you're out. 💳📱