The #1 Onchain Finance Podcast. Made possible by Visa. Sponsored by Stripe, Tempo, Fireblocks, Mesh and Modern Treasury. A @brainfoodxyz Production.
London
Joined June 2024
- Tweets2.1K
- Following228
- Followers4.8K
- Likes1.1K
Tokenized Podcast retweeted
Enjoyed joining @sytaylor and @cuysheffield on @TokenizedPod to talk about the latest developments in stablecoins and tokenization!
Listen in below ๐
๐จ Ep. 105 of @TokenizedPod:ย Is the Stablecoin Sandwich Dead?
@sytaylor & @cuysheffield areย joined by:
๐ย @jacqmelinek, Founder & CEO, @StrataMedia_
๐ย @manueljgodoym, Co-Founder & CEO, @Felixpago
To discuss:
๐๏ธ Mastercard and BVNK launch unified fiat and stablecoin accounts
โ Visa Direct launches stablecoin-powered cross-border money movement and payouts
โ๏ธ Stablecoin liquidity challenges across smaller Latin American remittance corridors
๐ณ Rain launches embedded stablecoin wallets and vertically integrated payments infrastructure
๐ Hiding stablecoin complexity from customers and unlocking DeFi adoption
๐ฎ How stablecoin yield could transform traditional remittance business models
๐ฅ USDC and USDT dominance versus emerging branded stablecoin competitors
โ๏ธ DRW and Marex execute tokenized index swap on Canton
๐ USDC becomes the EU's first significant e-money token under MiCA
๐ฆ Kraken's parent Payward acquires Lithuanian bank to accelerate European expansion
***
Timestamps:
00:00 Introduction
01:00 Mastercard and BVNK launch unified fiat and stablecoin accounts
05:52 Visa Direct launches stablecoin-powered cross-border money movement and payouts
10:22 Stablecoin liquidity challenges across smaller Latin American remittance corridors
15:44 Rain launches embedded stablecoin wallets and vertically integrated payments infrastructure
21:23 Hiding stablecoin complexity from customers and unlocking DeFi adoption
24:16 How stablecoin yield could transform traditional remittance business models
29:38 USDC and USDT dominance versus emerging branded stablecoin competitors
34:26 DRW and Marex execute tokenized index swap on Canton
40:36 USDC becomes the EU's first significant e-money token under MiCA
46:21 Kraken's parent Payward acquires Lithuanian bank to accelerate European expansion
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
How do you pay out pesos in Mexico without keeping pesos in a Mexican bank account?
On @TokenizedPod, @cuysheffield put that question to @manueljgodoym of @Felixpago.
Wise-style remittance models fund local accounts in every corridor ahead of time.
Fรฉlix sends USDC and buys pesos in a 24/7 market when the payout happens, at an FX rate Manuel says comes close to interbank.
Cuy names the trade-off: no capital sits idle in each country, but you need a liquidity partner on the receiving side.
Tokenized Podcast retweeted
Getting paid in stablecoins shouldnโt put your finances on public display.
Deelโs stablecoin wallet uses Tempo Zones for private contractor balances and payments.
โThey can transact in and out of the Zone fully privately and confidentiallyโ
From @thierryEdde44 on @TokenizedPod
Tokenized Podcast retweeted
Tempoโs @sytaylor sat down with @thierryEdde44 from @Deel and @kaili_jenner from @privy_io to chat about how Deel is using Tempo Zones for private stablecoin payments.
Watch the full conversation on @TokenizedPod:
๐จ BONUS @TokenizedPod! ๐จ
@sytaylor isย joined by:
๐ @thierryEdde44, Head of Crypto, @Deel
๐ @kaili_jenner, Engineer,ย @privy_io
To discuss:
๐ณ Deel's embedded stablecoin wallet for contractors in emerging markets
๐ก๏ธ How Tempo Zones protects contractor privacy while preserving Deel's visibility
๐ง How Privy's APIs simplify Deel's migration to private Tempo Zones
โก๏ธ Thousands of contractor wallets successfully migrated to private Tempo Zones
๐ ๏ธ Designing private stablecoin payments around real business requirements
๐๏ธ Maintaining payroll transaction visibility for support, reconciliation and audits
๐ Expanding stablecoin payouts into new markets while navigating compliance
โ
Enabling private stablecoin payments through simple Privy API configuration
๐ Growing demand for private stablecoin funding and chain agnostic solutions
๐ค Comparing Tempo's approach with protocol, chain and application level privacy
***
Timestamps:
00:00 Introduction
0:31 Deel's embedded stablecoin wallet for contractors in emerging markets
1:41 How Tempo Zones protects contractor privacy while preserving Deel's visibility
3:48 How Privy's APIs simplify Deel's migration to private Tempo Zones
5:13 Thousands of contractor wallets successfully migrated to private Tempo Zones
5:56 Designing private stablecoin payments around real business requirements
7:20 Maintaining payroll transaction visibility for support, reconciliation and audits
8:20 Expanding stablecoin payouts into new markets while navigating compliance
9:37 Enabling private stablecoin payments through simple Privy API configuration
10:57 Growing demand for private stablecoin funding and chain agnostic solutions
12:08 Comparing Tempo's approach with protocol, chain and application level privacy
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
NEW: @tempo Head of Market Development & Host of @TokenizedPod @sytaylor to speak at DAS London
Nov 10-11. London. Donโt miss it.
Tokenized Podcast retweeted
OUSD has no mint or burn fees and redeems 1:1 against the US dollar.
@sytaylor explains why the neutrality behind OUSD is important and how it enables traditional financial institutions to get excited about stablecoins.
From @TokenizedPod:
Tokenized Podcast retweeted
Stacked @TokenizedPod ep
๐จ Ep. 104 of @TokenizedPod:ย OKX & ICE Launch 24/7 Tokenized Stocks
@sytaylor isย joined by:
๐ @nassyweazy, Co-Founder & CEO, @Bastion
๐ @gbricca, Head of Product,ย @morsemoney
๐ย Paul-Adrien Hyppolite, Co-Founder & CEO,ย @Spiko_finance
To discuss:
๐ ๏ธ Embedding 24/7 tokenized stock trading into consumer financial platforms
๐ After hours price discovery and tokenized stock price drift risks
๐ Rain and Modern Treasury apply for OCC national trust charters
โ
Spiko enables USDC subscriptions and redemptions for tokenized cash funds
๐ก๏ธ How OCC trust charters improve custody and customer fund protection
๐ค Samsung Wallet partners with Bastion and Coinbase for stablecoin remittances
๐ง Bastion's enterprise stablecoin infrastructure strategy for Samsung and Sony
๐ฐ Spiko's $90 million raise and vision for 24/7 cash yield
๐ Spiko's multicurrency funds and overnight swap strategies with BNP Paribas
โ๏ธ S&P introduces risk ratings for onchain lending vaults
***
Timestamps:
00:00 Introduction
03:44 Embedding 24/7 tokenized stock trading into consumer financial platforms
06:14 After hours price discovery and tokenized stock price drift risks
11:30 Rain and Modern Treasury apply for OCC national trust charters
16:09 Spiko enables USDC subscriptions and redemptions for tokenized cash funds
19:41 How OCC trust charters improve custody and customer fund protection
24:42 Samsung Wallet partners with Bastion and Coinbase for stablecoin remittances
28:28 Bastion's enterprise stablecoin infrastructure strategy for Samsung and Sony
30:53 Spiko's $90 million raise and vision for 24/7 cash yield
34:45 Spiko's multicurrency funds and overnight swap strategies with BNP Paribas
41:30 S&P introduces risk ratings for onchain lending vaults
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
Stablecoins arenโt a threat to banks.
If stablecoins grow without banks, deposits migrate and the client relationship goes with them.
But every stablecoin still runs on banking.
@FifthThird's take: โReserves have to sit somewhere, redemptions have to clear somewhere, and the issuers need to operate and settle.โ
Thatโs fees and deposits for whichever banks show up to the party.
Stablecoins are only a threat to banks who don't adopt them.
Tokenized Podcast retweeted
๐จ Ep. 11 of Stablecoin Stories:ย Fifth Third Bank: Stablecoins, the Ultimate Instant Settlement Payment
With hosts:
๐ณ @sytaylor, Head of Market Development, @tempo
๐ฅ @rangoldi, SVP Payments, @FireblocksHQ
With guest:
๐ฆย Igor Istratov, Digital Assets Product Lead,ย @FifthThird
In this episode, Sy, Ran andย Igor discuss:
๐ฆ How Fifth Third's Newline delivers API-first embedded banking for digital assets
๐ Why commercial client demand is driving banks' stablecoin adoption
๐ How regulatory clarity unlocked stablecoin opportunities for traditional banks
๐ฐ Newline's operating, settlement, reserve and custodial accounts for digital assets
๐ค Why stablecoin reserves present deposit opportunities rather than just risks
๐ How stablecoins solve cross-border payment delays, FX uncertainty and fees
๐ธ Managing compliance, liquidity and operational complexity for 24/7 stablecoin payments
๐ค๏ธ Why stablecoins complement FedNow and existing domestic payment rails
๐ค How banks partner with issuers, custodians and onchain infrastructure providers
๐๏ธ Why stablecoins could become invisible infrastructure for everyday financial transactions
***
Timestamps:
00:00 Introduction
05:27 How Fifth Third's Newline delivers API-first embedded banking for digital assets
07:13 Why commercial client demand is driving banks' stablecoin adoption
09:17 How regulatory clarity unlocked stablecoin opportunities for traditional banks
10:46 Newline's operating, settlement, reserve and custodial accounts for digital assets
12:45 Why stablecoin reserves present deposit opportunities rather than just risks
14:04 How stablecoins solve cross-border payment delays, FX uncertainty and fees
16:13 Managing compliance, liquidity and operational complexity for 24/7 stablecoin payments
19:02 Why stablecoins complement FedNow and existing domestic payment rails
24:12 How banks partner with issuers, custodians and onchain infrastructure providers
32:54 Why stablecoins could become invisible infrastructure for everyday financial transactions
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
Igor Istratov on why businesses care about payment speed, not stablecoins
"It's both at the same time, Simon. If you think about your example about mid-sized manufacturing in Ohio, they sent payments to suppliers in Asia. Let's say Thailand. Thailand is a big corridor for the cross-border payments."
"And they face a lot of friction today. They send a wire. It moves through correspondent banks. It's somewhere in the chain, they face a cutoff time or a weekend. And then days later, they get the confirmation receipt, maybe. And that also comes with the FX movement that can come out on top with uncertainty about the fees, how you charge on the FX side."
"And nobody can say exactly where the money movement is happening right now. So stablecoin settlement component helps to solve that. It gives you that near real-time movement. Knowing value of the time of the transaction and real traceability where you can see how payment is moving and settling in real time."
"And I think in that example, a lot of our clients, they really don't care that it's a stablecoin. They care that the money arrives today and they want to know the cost of it in real time.
๐จ Ep. 11 of Stablecoin Stories:ย Fifth Third Bank: Stablecoins, the Ultimate Instant Settlement Payment
With hosts:
๐ณ @sytaylor, Head of Market Development, @tempo
๐ฅ @rangoldi, SVP Payments, @FireblocksHQ
With guest:
๐ฆย Igor Istratov, Digital Assets Product Lead,ย @FifthThird
In this episode, Sy, Ran andย Igor discuss:
๐ฆ How Fifth Third's Newline delivers API-first embedded banking for digital assets
๐ Why commercial client demand is driving banks' stablecoin adoption
๐ How regulatory clarity unlocked stablecoin opportunities for traditional banks
๐ฐ Newline's operating, settlement, reserve and custodial accounts for digital assets
๐ค Why stablecoin reserves present deposit opportunities rather than just risks
๐ How stablecoins solve cross-border payment delays, FX uncertainty and fees
๐ธ Managing compliance, liquidity and operational complexity for 24/7 stablecoin payments
๐ค๏ธ Why stablecoins complement FedNow and existing domestic payment rails
๐ค How banks partner with issuers, custodians and onchain infrastructure providers
๐๏ธ Why stablecoins could become invisible infrastructure for everyday financial transactions
***
Timestamps:
00:00 Introduction
05:27 How Fifth Third's Newline delivers API-first embedded banking for digital assets
07:13 Why commercial client demand is driving banks' stablecoin adoption
09:17 How regulatory clarity unlocked stablecoin opportunities for traditional banks
10:46 Newline's operating, settlement, reserve and custodial accounts for digital assets
12:45 Why stablecoin reserves present deposit opportunities rather than just risks
14:04 How stablecoins solve cross-border payment delays, FX uncertainty and fees
16:13 Managing compliance, liquidity and operational complexity for 24/7 stablecoin payments
19:02 Why stablecoins complement FedNow and existing domestic payment rails
24:12 How banks partner with issuers, custodians and onchain infrastructure providers
32:54 Why stablecoins could become invisible infrastructure for everyday financial transactions
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
Stablecoin flows today are a commercial banking book. Theyโre just being written somewhere other than a bank.
Igor Istratov of @FifthThird on Newline and what it takes to run stablecoin payments at a top 10 US bank.
New @TokenizedPod Stablecoin Stories with @rangoldi and @sytaylor:
๐ฆ API-first embedded banking on a bank balance sheet
๐ Commercial clients driving demand, not crypto firms
๐ฐ The four accounts every digital asset business needs
๐ Why reserves bring deposits in, not out
๐ค๏ธ Where stablecoins sit next to FedNow and RTP
Full episode: youtu.be/VjHMRxq_Oow?si=wMjkโฆ
Tokenized Podcast retweeted
๐จ Ep. 103 of @TokenizedPod:ย Banks Are Going Onchain on Weekends
@sytaylor & @cuysheffield are joined by:
๐ย @ccatalini, Founder, @MIT Cryptoeconomics Lab
To discuss:
๐ OpenUSD launches across Tempo, Ethereum, Solana and Base
๐ฆ Lloyds pilots USDC settlement with Visa over seven days
๐๏ธ Weekend onchain settlement helps major banks gain blockchain experience
๐ค Citi and Coinbase enable corporate stablecoin acceptance via Spring
๐ Why consumer stablecoin payments lag while B2B use grows
๐ค Agentic banking fears, deposit flight and fintech competition
๐ค How banks should respond to AI agents and disappearing friction
***
Timestamps:
00:00 Introduction
0:51 OpenUSD launches across Tempo, Ethereum, Solana and Base
14:55 Lloyds pilots USDC settlement with Visa over seven days
16:36 Weekend onchain settlement helps major banks gain blockchain experience
20:16 Citi and Coinbase enable corporate stablecoin acceptance via Spring
24:05 Why consumer stablecoin payments lag while B2B use grows
28:16 Agentic banking fears, deposit flight and fintech competition
36:03 How banks should respond to AI agents and disappearing friction
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
Nick joined the @TokenizedPod to discuss the OCC approval: "This is probably the most important milestone in the company today."
xitter.cf/TokenizedPod/status/21โฆ
๐จ Ep. 102 of @TokenizedPod:ย OCC Bank Charters Will Usher Stablecoin Adoption Wave
@sytaylor & @cuysheffield are joined by:
๐ @nick_van_eck, Co-Founder & CEO,ย @withAUSD
๐ @shivsiroya, Founder & CEO,ย @talamobile
To discuss:
๐๏ธ Agora OCC charter enables U.S. stablecoin banking one stop shop
๐ Tala sees credit access as missing stablecoin adoption layer
๐ EU MiCA reserve rules and multi-jurisdiction stablecoin restrictions
๐ Local currency stablecoins, yield, and emerging market borrowing preferences
๐ณ SoFi moves $25 billion card program to seven day stablecoin settlement
โ๏ธ Blockchain.com and NYSE explore 24/7 tokenized stocks and ETFs
๐ 24/7 tokenized stock trading faces liquidity and NAV challenges
๐ค Tokenized assets as collateral and underwriting AI agents
๐ฌ๐ง UK banks test interbank tokenized deposits for 24/7 settlement
๐ฆ Tokenized deposits and stablecoins as complementary banking infrastructure
***
Timestamps:
00:00 Introduction
03:15 Agora OCC charter enables U.S. stablecoin banking one stop shop
07:57 Tala sees credit access as missing stablecoin adoption layer
14:11 EU MiCA reserve rules and multi-jurisdiction stablecoin restrictions
24:07 Local currency stablecoins, yield, and emerging market borrowing preferences
25:06 SoFi moves $25 billion card program to seven day stablecoin settlement
33:28 Blockchain.com and NYSE explore 24/7 tokenized stocks and ETFs
39:05 24/7 tokenized stock trading faces liquidity and NAV challenges
41:47 Tokenized assets as collateral and underwriting AI agents
44:48 UK banks test interbank tokenized deposits for 24/7 settlement
49:09 Tokenized deposits and stablecoins as complementary banking infrastructure
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
What did it cost to move $USDT between chains?
On @TokenizedPod, @PrimordialAA put it at 6 to 12 bps, if a path existed at all.
Often it didn't, so issuers sent funds to a centralized exchange, waited, and withdrew on the other side.
For an issuer, every one of those steps is a market their stablecoin can't reach as easily.
Tokenized Podcast retweeted
Brainfood went and did a little rebrand.
I hope you like it?
(Play the video with sound!)
The first time I heard the phrase โFintech is Dead,โ I got a little offended. A little hurt. I mean, this was the thing I, we, attached a professional identity to, a sense of community and a shared enjoyment of the idiosyncratic weirdness that is technology in financial services in 2026. I wondered: how can it be dead when itโs only 4% finished?
But over time, I became convinced that what got us here wonโt get us where weโre going. There are no trillion-dollar fintech companies after all.
So, last Thursday I published an essay arguing that fintech is dead as an investment category because the technologies that made โfintechโ are table stakes now. A mobile-first neobank, running on the cloud, or an API-first infrastructure wonโt disrupt the status quo. It will take something else.
Speak to any investor, and youโll hear a similar thing: an identity crisis, but a recognition that the financialization of compute, payments companies routing AI tokens, and the wave of tokenization coming to Wall St. show another phase is coming.
Todayโs massive companies, and tomorrowโs giants, are all leaning into AI and tokenization to solve new problems in new ways.
So Fintech Brainfood is now Brainfood.
But donโt worry, Brainfood will still hit your inboxes every Thursday and Sunday. Thursday Rants make sense of the big themes in tech and finance, while Sunday gives you news, 4 new companies, and some reading recommendations.
But now weโre doing more too. A bigger brand to bring together Tokenized, Brainfood, and the work the team has been doing behind the scenes:
- Brainfood Media, which encompasses all of our media properties.
- The Brainfood podcast, relaunching tomorrow with a HUGE guest. Also on YouTube.
- Tokenized, the podcast on stablecoins and tokenization with Head of Crypto @ Visa Cuy Sheffield. Now part of Brainfood Media.
- Predicted, a newsletter on the business of prediction markets, created by my cofounder Pet Berisha. Our fastest-growing media property is up 150% in subscribers in the last 8 weeksโฆ
- Brainfood Advisory, co-led by co-founder Jeff Tijssen, formerly global head of fintech at Bain. Because an adult needs to help me, help you.
We even got a swanky new homepage: brainfood.xyz/
(Would love feedback! Please reply with thoughts)
And if you want to see us in personโฆ weโll all be at NerdCon in San Diego (I do not apologize for this plug).
So thatโs Brainfood 2.0. Bigger. A few more people.
And a lot more to come.
ST.
PS. The essay is here if you want to tell me where I'm wrong. I'd like that.
lnkd.in/ebmv4BXc
PPS. Check out the audio in this video ๐ค
Tokenized Podcast retweeted
How do you underwrite an AI agent?
The same way you underwrite a borrower with no credit history.
@shivsiroya explained on @TokenizedPod how Tala's playbook for underwriting thin-file borrowers can carry over to agentic finance.
Tokenized Podcast retweeted
๐จ Ep. 102 of @TokenizedPod:ย OCC Bank Charters Will Usher Stablecoin Adoption Wave
@sytaylor & @cuysheffield are joined by:
๐ @nick_van_eck, Co-Founder & CEO,ย @withAUSD
๐ @shivsiroya, Founder & CEO,ย @talamobile
To discuss:
๐๏ธ Agora OCC charter enables U.S. stablecoin banking one stop shop
๐ Tala sees credit access as missing stablecoin adoption layer
๐ EU MiCA reserve rules and multi-jurisdiction stablecoin restrictions
๐ Local currency stablecoins, yield, and emerging market borrowing preferences
๐ณ SoFi moves $25 billion card program to seven day stablecoin settlement
โ๏ธ Blockchain.com and NYSE explore 24/7 tokenized stocks and ETFs
๐ 24/7 tokenized stock trading faces liquidity and NAV challenges
๐ค Tokenized assets as collateral and underwriting AI agents
๐ฌ๐ง UK banks test interbank tokenized deposits for 24/7 settlement
๐ฆ Tokenized deposits and stablecoins as complementary banking infrastructure
***
Timestamps:
00:00 Introduction
03:15 Agora OCC charter enables U.S. stablecoin banking one stop shop
07:57 Tala sees credit access as missing stablecoin adoption layer
14:11 EU MiCA reserve rules and multi-jurisdiction stablecoin restrictions
24:07 Local currency stablecoins, yield, and emerging market borrowing preferences
25:06 SoFi moves $25 billion card program to seven day stablecoin settlement
33:28 Blockchain.com and NYSE explore 24/7 tokenized stocks and ETFs
39:05 24/7 tokenized stock trading faces liquidity and NAV challenges
41:47 Tokenized assets as collateral and underwriting AI agents
44:48 UK banks test interbank tokenized deposits for 24/7 settlement
49:09 Tokenized deposits and stablecoins as complementary banking infrastructure
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
.@Nick_van_Eck joined @TokenizedPod to talk about Agora's OCC preliminary conditional approval:
"This is probably the most important milestone in the company today."
"How do I hold these assets? How do I get from my existing environment to this new environment? What asset am I using? We're now able to solve that out of the box for traditional businesses."
"Our mission is how can we really export U.S. capital markets and quality financial services to the rest of the globe."
Watch the full conversation ๐
๐จ Ep. 102 of @TokenizedPod:ย OCC Bank Charters Will Usher Stablecoin Adoption Wave
@sytaylor & @cuysheffield are joined by:
๐ @nick_van_eck, Co-Founder & CEO,ย @withAUSD
๐ @shivsiroya, Founder & CEO,ย @talamobile
To discuss:
๐๏ธ Agora OCC charter enables U.S. stablecoin banking one stop shop
๐ Tala sees credit access as missing stablecoin adoption layer
๐ EU MiCA reserve rules and multi-jurisdiction stablecoin restrictions
๐ Local currency stablecoins, yield, and emerging market borrowing preferences
๐ณ SoFi moves $25 billion card program to seven day stablecoin settlement
โ๏ธ Blockchain.com and NYSE explore 24/7 tokenized stocks and ETFs
๐ 24/7 tokenized stock trading faces liquidity and NAV challenges
๐ค Tokenized assets as collateral and underwriting AI agents
๐ฌ๐ง UK banks test interbank tokenized deposits for 24/7 settlement
๐ฆ Tokenized deposits and stablecoins as complementary banking infrastructure
***
Timestamps:
00:00 Introduction
03:15 Agora OCC charter enables U.S. stablecoin banking one stop shop
07:57 Tala sees credit access as missing stablecoin adoption layer
14:11 EU MiCA reserve rules and multi-jurisdiction stablecoin restrictions
24:07 Local currency stablecoins, yield, and emerging market borrowing preferences
25:06 SoFi moves $25 billion card program to seven day stablecoin settlement
33:28 Blockchain.com and NYSE explore 24/7 tokenized stocks and ETFs
39:05 24/7 tokenized stock trading faces liquidity and NAV challenges
41:47 Tokenized assets as collateral and underwriting AI agents
44:48 UK banks test interbank tokenized deposits for 24/7 settlement
49:09 Tokenized deposits and stablecoins as complementary banking infrastructure
***
๐๐๐ฆ๐ข๐ณ๐ค๐ฉ '๐๐ฐ๐ฌ๐ฆ๐ฏ๐ช๐ป๐ฆ๐ฅ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต' ๐๐ฏ ๐ ๐ฐ๐ถ๐๐ถ๐ฃ๐ฆ. ๐๐ฑ๐ฑ๐ญ๐ฆ, ๐๐ฑ๐ฐ๐ต๐ช๐ง๐บ ๐ฐ๐ณ ๐ข๐ฏ๐บ ๐๐ฐ๐ฅ๐ค๐ข๐ด๐ต ๐๐ญ๐ข๐บ๐ฆ๐ณ! ๐
Tokenized Podcast retweeted
AI-enabled financial crime is scaling faster than regulators can write rules for it. Elliptic CEO Simone Maini joined @tokenizedpod to discuss why compliance can't wait, and how we're co-building agentic guardrails with Circle.
๐ฅ Full episode: hubs.la/Q04y7FJ90
Tokenized Podcast retweeted
Payouts are usually treated as a cost line.
On @TokenizedPod, Ryan Bozarth made the case that for payroll companies and marketplaces, they can be a revenue line. These platforms already have the hardest thing to earn, which is distribution. Putting programmable dollar rails underneath the money already flowing through them does two things at once. It speeds up global payouts, which shows up directly in the user experience. And it opens revenue that was not there before: float, exchange, interchange on card programs.
That changes the math on the whole business. Higher lifetime value supports a higher acquisition cost, which funds more distribution, which grows the business. These are new revenue lines running in parallel with the banking system, not carved out of it.