Wyopay shows how a credit union, fintech, or neobank can use the Frontier Stable Token ($FRNT) as its primary payment rail while giving members simple USD conversion, email payments, escrow, Bitcoin access, yield experiences, commerce, and rewards. 🦬 wyopay.me

For two years, every line of code, every problem, every setback, every breakthrough at XKOVA came down to the two of us. Today, for the first time, someone else is building alongside us.

Decentralized inference. This is a @KataraLabsAI node provider serving inference (being paid to do so) for an x402 app paying in $USDC on Avalanche C-Chain. 1lama-3.3-70b-instruct-mlx-fitQ1 being served but many models are supported. Economics are a bit off with the gas fees but easy problem to fix.

Today we released XKOVA Policy Lens, an AI-powered research tool for exploring regulatory questions around credit unions, CUSOs, stablecoins, and tokenization. We've tuned the underlying LLM technology specifically for this space, grounding its responses in official public government documents from the CFPB, CFTC, Congress, FDIC, Federal Reserve, FinCEN, NCUA, OCC, OFAC, SEC, Treasury, and regulators across all 50 states, along with public XKOVA documentation. The underlying document library is refreshed weekly to keep up with the latest regulatory developments and guidance. The goal is simple: make it easier to find, understand, and navigate complex regulatory information without having to dig through hundreds of documents. It's still in beta, so we'd love for folks in the industry to give it a try and share feedback on what's working, what's missing, and what we can improve. xkova.com/policy

Session 3 of the fall stablecoin cohort is about to kick off. Getting XKOVA in front of dozens of credit unions interested in implementing stablecoin payments for their members has been quite the learning experience. Today will be no exception as we discuss strategic options ranging from embedded solutions to becoming an issuer. 🏦

This week included launching a stablecoin, shopping for a quantum computer, and meeting penguins. What a week. 🐧

This update from CRS shows folks in DC are thinking about how credit unions integrate stablecoins and blockchain technology. - CRS, Congress’s research team, released a September 30 report looking at expanded digital-asset authority for CUs. One opportunity is bringing custody into the credit union’s own services. - Today, federal CUs keep custody outside the CU. The member controls their own wallet, or a third-party provider holds the stablecoins. Some state-chartered CUs already have custody authority. - The Senate CLARITY proposal would expressly authorize federal CUs to provide custody themselves. Put simply, the CU could safeguard members’ stablecoins and manage access on their behalf. - Think of a member receiving $2,000 in stablecoins, seeing the balance in their CU app and sending $500. The CU could handle safekeeping and payments, with technology providers working behind the scenes. That’s one possible member experience under the proposal. The opportunity is moving from connecting members to a service to operating more of that service directly. Putting that authority into law could also give CUs a more stable basis for investing in the technology, staff and integrations needed to offer it. ✅

Really excited to have been a part of this monumental occasion for the credit union industry. $CUUSD