Tom Rowbo

Any phone becomes a stablecoin payment terminal with Xeno! Live now 👇🏼

@SamBroner Congrats Sam!

@a16zcrypto @SamBroner @Xeno_Money solves this

$0.30 of every $2 coffee goes to intermediaries, not the shop. @SamBroner on how stablecoins fix that:

@theonlyayo_ Appreciate you 🙌🏼

@0xRowbo amazing stuff Tom!

Wrote my first article about one of the biggest misconceptions in crypto! Read below 👇🏼

@0x123clive @solana @toly Camera man tall af

My first pilgrimage to Solana beach in California (birthplace of @solana )

@e____f____e Building decentralised tap to pay!

MAKE LONDON SHIP AGAIN becoming a real thing opening up soho square office, March 19th, 30 builders max, merch + pizza + drinks reply with what you're building if you're in! 👇🏼

@tejgw Chronicle

Cursor for Slides is finally here Watch the first 47 seconds. Then try going back to your old deck tool Reply "Chronicle" + RT to get two months of Pro for free. Make sure you follow so I can DM you asap.

@NayrhitB @SusquehannaVC @LightspeedIndia @BCapitalGroup @beenextVC @sparrowcapvc @2point2club deck

The exact pitch deck that helped us raise a $9M Seed Round copy whatever you want VCs that invested: → @SusquehannaVC (led) → @LightspeedIndia → @BCapitalGroup → Seaborne Capital → @beenextVC → @sparrowcapvc → @2point2club joined. fundraising is hard enough without guessing what investors want to see. so - I'm making our deck public. if you're raising right now, take it and make it yours. Reply 'deck' + follow (so I can DM it over)

We got the @solana RT 🥹

Paying has never been so easy 🥹

Watched this live and it was as easy as it looks. Solana payments at point-of-sale 👀

@DsouzaJovian @radrlabs @solana_devs Fancy adding a tap to that? 👀

We built the first open-source privacy-first crypto POS on Solana And we just won 🏆 for the best USD1 Integration for @radrlabs at the @solana_devs Privacy Hackathon. Meet GhostPay 👻💳

@ptsayli Next is @Xeno_Money

Crypto Cards Are Winning (For now), Stablecoin Payments Are Already Big Stablecoin payments are showing strong growth through 2025–26, surpassing $300B in monthly volume. Most of this today is: - B2B - Remittances - Prefunding - Card-linked spending. - Not retail checkout yet. This shows stablecoins are already operating in real financial infrastructure, just not visible to consumers. 1. Card-linked stablecoin payments have exploded because they require zero behavioural change. -Merchants keep Visa/Mastercard. - Consumers keep tapping cards. - Stablecoins stay in the background. But this is just step 1 in the adoption path, not the destination. 2. Direct stablecoin checkout is still early. The report is on-point.. Merchants benefit from: - Lower fees - Faster settlement - Better capital efficiency. But adoption is slow because - Cards already work - Consumers are habituated - Incentives aren’t aligned yet - And it requires real on-ground work Top-down players (Card issuers, PSPs, licensed giants) try to solve this from above. That path is clearer, capital-heavy, and safer. But real 0 to 1 shifts usually look messy at the beginning. So native checkout isn’t winning today. 3. One very important section is around stablecoin yield. If users can hold digital dollars that - Move instantly - Settle globally - Earn yield Then traditional deposits lose their monopoly. This is a structural shift, and banks see it. That’s why regulation and partnerships are accelerating. 4.Currently, we are in a phase where new tech is wrapped in old rails (cards + stables). We have already started the next phase, which focuses on improving native UX - Smart Wallets - Gasless Transactions - Native Account Abstraction - Inclusion guarantees(EIP-8141 + FOCIL conversations) Then Native Checkout becomes normal. Not there yet, but we are getting there slowly. 5. Cards are dominating because they have - Distribution - Risk systems - Habits. But stablecoins checkout wins on - Cost - Settlement - Programmability - Global reach We are already building towards better wallet UX. As account abstraction becomes native, the friction gap narrows. When paying with stablecoins becomes as easy as tapping a card, merchants will actually care about the 2–3% they save. This report confirms something important: Stablecoins are already reshaping payments, mostly behind the scenes. Cards are the bridge. Not the end state. Direct stablecoin checkout isn’t mainstream yet. But the foundations are being laid. And when incentives finally align, it will move fast.

@harkl_ 👀

Payments are broken 👀 payments.org

Had a really good chat about my journey as a founder, the future of decentralised payments and hackathons! Give it a read! 👇🏼 newpence.com/people/a-new-w…

@jchaskin Are you using plan mode? Plan should be passed

Biggest Claude Code tip I haven’t heard anyone else say yet: When context hits 0%, it generates a summary to start a new window. WATCH CLOSELY Sometimes it clearly decides on the right path in the summary, like removing a function, but once the new context starts it forgets and begins coding the opposite If you see it switch directions, hit escape immediately and restate the plan

Fully decentralised bank cards. Tap to pay stablecoins without any intermediaries. Only on @Xeno_Money. Demo on @base.

The Bank of England is finalising its stablecoin rules, with its consultation deadline today. We're submitting a response with 10+ founders as signatories, pushing back on risks of GBP stablecoins being stifled. One thing is clear. A cap on stablecoins is a cap on innovation.

@FlareBet @FlareNetworks @homeDAO @DoraHacks @FlareDevHub @CommunityFlare @flarejapangroup FLAME ON

Welcome to BetFlare - prediction markets on @FlareNetworks where XRP holders can earn yield on prediction markets without ever touching MetaMask. Built at EthOxford by @homeDAO Read more 👇 1/12