PAYOMETRY | payometry.eth

😎We are back after a long hiatus and we're trying something new. 🤓Please engage with this post so we can see how many active followers are still with us! Please Paste this into the comments: Welcome Back Payometry! 🧐If you like this subscribe 4 FREE your-inbox.beehiiv.com/p/january-24-2…

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗶𝗻𝘁𝗲𝗿𝗰𝗵𝗮𝗻𝗴𝗲, 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗳𝗮𝗰𝘁𝗼𝗿𝘀 𝗶𝗺𝗽𝗮𝗰𝘁 𝘁𝗵𝗲 𝗶𝗻𝘁𝗲𝗿𝗰𝗵𝗮𝗻𝗴𝗲 𝗿𝗮𝘁𝗲? Let’s break it down: Every time a consumer swipes a card to make a purchase, the merchant pays an interchange fee. Revenue from the fee gets divided among parties that facilitated the transaction: the banks that send and receive the payment, the card network, the payment processor, and—more recently—fintechs and businesses that embed payments. When you take the bird-eye view diagram below 👇 as an example: If a user swipes a card issued by a Neobank, $1.70 (interchange fee) goes to the issuing bank and the card network, $0.50 (acquiring fee) goes to the acquiring bank. Interchange fees are not always the same though. 𝗪𝗵𝗮𝘁 𝗳𝗮𝗰𝘁𝗼𝗿𝘀 𝗶𝗺𝗽𝗮𝗰𝘁 𝗶𝗻𝘁𝗲𝗿𝗰𝗵𝗮𝗻𝗴𝗲 𝗿𝗮𝘁𝗲? ► Credit vs. Debit Interchange rates on credit cards are significantly higher than those on debit cards. ► Rewards programs These benefits are financed through higher interchange rates, and have proven to be very popular with consumers. ► Online vs. Offline Online purchases are less secure than in-person purchases. ► Consumer vs. Commercial Cards associated with business or corporate accounts carry higher interchange rates than consumer cards. ► Merchant Category Code (MCC) Every merchant is categorized by the major card networks according to a Merchant Category Code (MCC). This means that there are different interchange rates depending on whether someone uses a card in a supermarket, a retail store, a gas station, or with some other form of merchant. ► The Card Network Different card networks charge different rates. Visa and Mastercard are known for charging lower rates. Other networks like AMEX are known for charging higher rates. ► Network partner programs Visa and Mastercard’s partner programs like VPP (Visa Partner Program) and MPP (Mastercard Partner Program) often give specific retailers interchange rates that are much lower than the networks’ published interchange rates. ► Size of the issuing bank (𝗢𝗡𝗟𝗬 in the US 🇺🇸) Larger banks are subject to a regulation called the Durbin Amendment that caps interchange rates on consumer debit transactions. Smaller banks are exempt. As a result, these smaller banks can earn more revenue from interchange rates, which benefits FinTechs and embedded finance businesses that partner with them. Read my complete source article for more info: connectingthedotsinfin.tech/what-is-interc…

🔥 NEW: Ripple outlines its 2026 plans for the XRP Ledger ecosystem, shifting toward a more distributed and community-driven funding model.

Stablecoins represent a legally permissible new payment tool. The OCC invites comments on a proposed regulatory framework for payment stablecoins pursuant to the GENIUS Act. More info at occ.gov/news-issuances….

🚨BREAKING: Ripple Releases WHITEPAPER for BANKS to Buy & Sell CRYPTO 😳🔥 @Ripple has officially published a new whitepaper titled “The Blueprint for Institutional Digital Asset Trading.” 👀 This is a detailed framework for how BANKS, hedge funds, and large institutions can trade crypto more safely and efficiently. 🚀 Right now, large institutions have to open accounts on multiple exchanges, move money back and forth, manage separate credit lines, and take on counterparty risk. One failure — like FTX — can freeze EVERYTHING. 😳 👉🏼 @Ripple's solution? A Digital Prime Broker (DPB) framework. Under the DPB model, ONE main prime broker would aggregate liquidity, manage credit, and NET positions at the end of the day — reducing capital requirements and counterparty exposure. 🤯 @Ripple proposes leveraging the XRP Ledger (XRPL) for on-chain credit lines and faster settlement, allowing earlier netting, greater transparency, and reduced systemic risk. 🔥

Stablecoin payments? No way... at least not to compete with debit cards. FB could do it for use on their own site (e.g., gaming or WhatsApp premium services). Stripe makes it super easy to accept stablecoin (took me 30 min), but it took me 45 min to load funds into the wallet and $0.53 in Ethereum to buy a $2.50 cup of coffee. My stablecoin test (runs on Stripe). blog.starpointllp.com/stablecoin-tes…

⚡️"XRP" ADDED TO ARIZONA DIGITAL RESERVE BILL After a 4–2 committee vote, the Arizona State Legislature advanced a bill that adds XRP as an eligible asset in the proposed Digital Assets Strategic Reserve Fund.

@grok @CaitHoustonBlog Thank you.

Yes, the nor'easter delivered—it's a full blizzard across CT right now. As of early this morning (around 5 AM EST), many spots already have 6-10+ inches (like 10.5" in Madison, 9.9" in New Haven), with moderate to heavy snow still falling and gusty winds causing whiteouts. Blizzard warning in effect; totals could hit 12-24" by afternoon. Stay safe, avoid travel! Check NWS for your area.

@grok how much snow is CT going to get?

@grok @CaitHoustonBlog @grok Did this snow actually happen? Is it still snowing in Connecticut right now?

According to the National Weather Service and local forecasts, a nor'easter will bring 12-22 inches of snow to most of Connecticut starting Sunday evening (Feb 22) into Monday. Coastal areas like Fairfield and New Haven could see 16-22 inches with blizzard conditions and 50 mph gusts. Northern parts may get slightly less. Check updates for your area!

CZ says lack of onchain privacy is holding back crypto #payments ino.to/aub2Prs

When will crypto’s CLARITY Act framework pass in the US Senate? ino.to/eYSN2vm

How South Korea is using AI to detect crypto market manipulation ino.to/9WkT4Ob

Harvard endowment reduces stake in Bitcoin ETF, adds Ether exposure ino.to/bsK3Yvx

CFTC Clears Path for National Trust Banks to Issue Payment Stablecoins ino.to/FH8tuLe

Adoption and welfare effects of payment innovations: the case of digital wallets in Peru ino.to/RGScWxP

Governor Signe Krogstrup’s speech at the Centre for European Policy Studies (CEPS) about Stablecoins and Money: "monetary sovereignty, financial stability, and the evolving balance between public and private money"ino.to/9iBzeLp

FDIC extends comment period for Genius Act implementation ino.to/2QXZEhN

Citi is among a growing group of banks working with us to shape our blockchain-based ledger – extending Swift’s infrastructure to support tokenised value at scale. Through industry-wide collaboration, we’re enabling a future where value moves seamlessly in a multi-model, multi-choice world. 👉 Learn more: swift.com/news-events/ne…

.@Anchorage plans to raise $200–400M as it eyes a 2027 IPO, positioning itself to expand stablecoin issuance, custody, and tokenised wealth services. 🗨️ Read more: buff.ly/89oi6JC

Fade at your own risk…

BLACKROCK CEO “ BANKS WILL GET LEFT BEHIND CAUSE OF DIGITAL ASSETS “