STONΞ

I’ll be at #StableCon26 EMEA in Amsterdam May 19–20, 2026. Excited to join leaders shaping the future of money beyond borders. Stablecoins connecting Africa, the Middle East, and Europe. Let’s talk cross-border payments, regulation & adoption at @thestablecon

I love the sound of mechanical keyboards but they hurt my wrists. Back to Logitech MX Keys. That fad didn’t last long.

Never interrupt your opponent when he is making a mistake: China or Napoleone :)

@mrstephendeng Write something. Curious.

A bit dismayed by all the empty hot takes on stablecoin in Africa on my timeline. Might be time to write an article about our convictions.

We are in for a very entertaining F1 season. The race between the 2 Ferraris at the Chinese Grand Prix had me at the edge of my seat. Pure racing.

Who is Bam Adebayo?

We’re now officially a fully licensed bank in the UK. As a bank, we’ll soon offer accounts protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person on eligible deposits. It also means we’ll be able to launch more banking features in the future — so keep an eye out for updates.

@TitusKimbowa @SamoraKariuki @eversendapp (1)

@StoneAtwine @SamoraKariuki @eversendapp Stone I might need your solution for my business. How can I get in touch?

I had a good chat with @SamoraKariuki about stablecoins and how we are using and building the infrastructure at @eversendapp: youtube.com/watch?v=R-itqD… I asked ChatGPT to distill the main points. Here are the key ideas and lessons from the video you shared: The discussion focuses on how stablecoins can transform global payments infrastructure, especially for cross-border businesses. Key ideas and lessons 1. Stablecoins are essentially “global e-money” One of the central arguments is that stablecoins are not revolutionary money, but rather a new infrastructure layer for moving money globally. Traditional e-money lives in bank ledgers or telecom systems (mobile money). Stablecoins live on blockchain ledgers, which makes them global and programmable. Key takeaway: Stablecoins are basically digital dollars with global rails. (youtube.com) 2. The real opportunity is treasury infrastructure The real value is not speculation or crypto trading, but corporate treasury management. Instead of: Holding multiple bank accounts across countries Pre-funding liquidity in each market Waiting days for SWIFT transfers Companies can: Hold a single stablecoin buffer (e.g., USDC or USDT) Rebalance liquidity across markets in minutes. Key takeaway: Stablecoins allow global treasury management from one pool of capital. 3. Just-in-time liquidity replaces pre-funding Traditional cross-border systems require pre-funding accounts in multiple countries. Example: A remittance company might keep millions parked in: Nigeria Kenya Uganda Europe Stablecoins allow just-in-time settlement: Move funds only when needed Reduce idle capital. Key takeaway: Liquidity efficiency becomes a competitive advantage. 4. Instant settlement is not always cheaper A subtle insight from the discussion: Instant settlement sounds better But it can sometimes be more expensive than net settlement Traditional systems batch payments and settle later. So companies must balance: speed liquidity cost transaction fees. Key takeaway: Speed is not always the most efficient financial architecture. 5. SWIFT may become irrelevant for internal treasury The discussion suggests that many fintechs no longer rely on SWIFT internally. Instead they use: stablecoin rails internal ledgers direct liquidity pools. SWIFT becomes mainly a bank messaging layer, not the actual settlement network. Key takeaway: Future global finance may run on open rails rather than bank networks. 6. The stablecoin “issuance war” is coming Right now the market is dominated by: Tether (USDT) Circle (USDC) But the video suggests the real power may shift to banks. Potential issuers: JPMorgan Citi large financial institutions. Why? They control: deposits regulation yield on reserves. Key takeaway: Stablecoins could become the next battlefield between banks and crypto companies. 7. CBDCs vs stablecoins Central Bank Digital Currencies (CBDCs) are often discussed as alternatives. But the argument here is: CBDCs are politically complex Governments move slowly Private stablecoins innovate faster. Key takeaway: Private stablecoins may dominate before CBDCs mature. 8. The real winners will be infrastructure companies The biggest opportunity is not tokens but financial infrastructure: Examples mentioned: treasury infrastructure settlement layers custody platforms payment orchestration. Companies like: Wise Deel global fintechs are well positioned to leverage this. Key takeaway: The stablecoin revolution is an infrastructure play, not a token speculation play. The deeper strategic insight The video frames the future of money like this: Old model: Banks → SWIFT → Local banks → Settlement New model: Stablecoin treasury → API rails → Instant global settlement Meaning: Money becomes software infrastructure This video basically describes the architecture that companies like Eversend are already moving toward: stablecoin treasury just-in-time liquidity API settlement global rails. You’re building the plumbing layer of the new financial system.

Introducing Sovereign AI, the Government’s new £500m venture fund. Sovereign AI will support founders from day one to start here, scale here and win everywhere. sovereignai.gov.uk

Friendly reminder: only 4% of startups make it to $1 million in revenue. If you get here you are absolutely crushing it.

What AI has done is make us ration our time more aggressively. Time is extremely valuable now.

This morning a group of friends were debating stablecoins in a WhatsApp group. The conversation kept collapsing into "it's crypto": which is technically true, but misses the point entirely. So I drew this. All stablecoins are crypto. Not all crypto is a stablecoin. The difference that matters: price stability. BTC, ETH, Solana: price changes every second. You can speculate, store value, earn yield. But you can't pay your supplier with something that drops 20% overnight. Stablecoins, USDC, USDT: are pegged 1:1 to the dollar. Same blockchain rails. Same programmability. Same borderless settlement. But the price doesn't move. That's what makes them usable as money rather than just an asset. The infrastructure is blockchain or crypto. The experience is just payments.

Spent 2 days last week in a closed Financial Conduct Authority session on stablecoin payments policy, a small group of operators and policymakers working through what the UK regulatory framework needs to get right. The Economic Secretary to the Treasury was in the room. The intent is serious: the UK wants to lead on stablecoin payments, and they want it built correctly. My contribution: operational ground truth from years of building stablecoin settlement infrastructure across emerging markets, corridors that traditional rails have failed for decades. We worked through risks, opportunities, and business models, getting specific on trust, finality, interoperability, and consumer protection. A few things I pushed for: 1. Layered, progressive regulation: build a framework that manages risk without killing the innovation that makes stablecoins valuable in the first place. 2. Interoperability with existing payment infrastructure: stablecoins are tokenised e-money, same fundamental nature, wider blast radius. They should plug into what already works, not sit beside it. 3. Corridor alignment with partner regulators: unilateral UK rules create friction. Coordinated frameworks with the US, EU, and key EM regulators unlock the real opportunity. 4. Make London the global hub for stablecoin flows and exchange: the UK already leads in fintech and FX. Stablecoins are a natural extension of that position. Don't cede it to New York or Singapore. The policy window is open. Glad to be in the room helping shape it.

Stop letting your capital sit idle. 🛑 @StoneAtwine breaks down the "Level 4" architecture @eversendapp uses for Just-in-Time funding. It’s the pragmatic evolution of e-money: moving value with the speed of M-Pesa, but on open, borderless rails. 🌍⚡️ Link in comments

@BadmanGerro I’m here to fix, please.

Hhhm And yet I have so much to write about eversend!

I wanted software and they asked for $79,000 annual subscription, and $100,000 to $300,000 for customisation with a 1 to 4 months time-to-market. I built a better version (for my needs) in 4 days.

@zcabrams @Stablecoin 👀

one program, one integration, 100 countries. the @stablecoin card program is growing. in partnership w Visa, we've gone from a handful of countries to 18 and we're targeting local issuance in 100 countries by year end. this bridge + visa offering makes what used to take decades (literally), a straightforward multi-week integration. Global programs are now trivially easy for any team to stand up. On the backend all transactions will be settled to visa via stablecoins. We're excited about all of the new financial products that this program will catalyze esp. in markets that have been historically too small or too complicated to serve.

@ernest_o_o_ I’m taking your advice immediately.

@StoneAtwine But you guys the new Eversend update is so buggy, hopefully you can use AI to fix it

After 2 weeks building deeply with Claude + Codex, Claude has gone offline and I was able to put my head above water to find that there's a new war. Writing software is now a commodity. Judgment is the most in-demand skill. We’re about to see millions of vibe-coded apps. and most will look good but about the same number will be useless. The bottleneck has moved. It’s no longer “can you code?” It’s: • Do you understand the market deeply? • Do you understand regulation? • Can you design systems? • Can you price risk? • Do you control distribution or just wrap APIs? Can you see far enough? Connect dots? Weak SaaS is gone. If your moat is “we built a dashboard,” you’re in trouble. But AI doesn’t replace great operators. It lifts them up and amplifies them 100-fold. The winners will be: – Deep domain founders – Elite engineers who understand systems – Operators who control capital + rails + compliance The middle layer of “just build features” is going to feel this hard. Software isn’t dead. But software with nothing else is finished.