Co-Founder & CEO @Cyphalet
Lisbon, Portugal
Joined April 2015
- Tweets675
- Following1.1K
- Followers111
- Likes277
Sunday || Cyphalet retweeted
Your business shouldn’t be limited by borders. 🌍
Move money globally with a simple, seamless payment experience. Convert your currency, send funds to suppliers, and keep track of your transactions, all in one place.
Global payments, made simple with Cyphalet. 🚀
Sunday || Cyphalet retweeted
Global payments should come with reliable support. 🌍
With Cyphalet, you have access to real customer support whenever you need assistance, 24/7.
Pay globally with confidence. We’re always here to help. 🤝
#Cyphalet #GlobalPayments #CustomerSupport #CrossBorderPayments
Sunday || Cyphalet retweeted
Your next Copart or IAAI purchase starts with the right payment.
With Cyphalet, make fast and secure payments for your vehicles and keep your imports moving without unnecessary delays.
Buy with confidence. Pay globally. Keep your business moving. 🌍
#Cyphalet #Copart #IAAI
Sunday || Cyphalet retweeted
Wrote about one of the things that has kept me pretty occupied this year, this is a good summary from an engineering standpoint.
Building a Multi-Tenant Integration Platform for Enterprise APIs wales-note.beehiiv.com/p/bui…
It is tempting to try to do everything yourself because it feels faster but real impact takes a team. We love the story of the self-made genius but behind every great achievement is a group of people making it possible.
Sunday || Cyphalet retweeted
The Full Fintech Scaling Playbook ($0 → $1B)
📂 Fintech
┃
┣ 📂 Infrastructure
┃ ┣ 📂 Banking Partners
┃ ┣ 📂 Card Issuers
┃ ┣ 📂 Payment Rails
┃ ┗ 📂 Compliance Vendors
┃
┣ 📂 Compliance
┃ ┣ 📂 KYC / KYB
┃ ┣ 📂 AML Monitoring
┃ ┣ 📂 Fraud Prevention
┃ ┣ 📂 Sanctions Screening
┃ ┗ 📂 Transaction Monitoring
┃
┣ 📂 Product
┃ ┣ 📂 Banking
┃ ┣ 📂 Cards
┃ ┣ 📂 Payments
┃ ┣ 📂 Treasury
┃ ┣ 📂 Lending
┃ ┣ 📂 Yield
┃ ┗ 📂 FX
┃
┣ 📂 Distribution
┃ ┣ 📂 Founder Brand
┃ ┣ 📂 Team Personalities
┃ ┣ 📂 Affiliates
┃ ┣ 📂 Communities
┃ ┣ 📂 Referrals
┃ ┣ 📂 Partnerships
┃ ┗ 📂 Enterprise Sales
┃
┣ 📂 Customer Acquisition
┃ ┣ 📂 Content
┃ ┣ 📂 X / LinkedIn
┃ ┣ 📂 SEO / GEO
┃ ┣ 📂 Paid Ads
┃ ┣ 📂 Events
┃ ┣ 📂 Personal Relationships
┃ ┗ 📂 Warm Introductions
┃
┣ 📂 Sales
┃ ┣ 📂 ICP
┃ ┣ 📂 Vertical Strategy
┃ ┣ 📂 Outbound
┃ ┣ 📂 Demo Playbook
┃ ┣ 📂 Procurement
┃ ┗ 📂 Enterprise Closing
┃
┣ 📂 Onboarding
┃ ┣ 📂 KYC Flow
┃ ┣ 📂 KYB Flow
┃ ┣ 📂 Risk Reviews
┃ ┣ 📂 Activation
┃ ┣ 📂 First Deposit
┃ ┗ 📂 First Card Spend
┃
┣ 📂 Revenue
┃ ┣ 📂 Interchange
┃ ┣ 📂 FX
┃ ┣ 📂 Float
┃ ┣ 📂 Treasury Yield
┃ ┣ 📂 Lending
┃ ┣ 📂 Payment Fees
┃ ┗ 📂 Memberships
┃
┣ 📂 Retention
┃ ┣ 📂 Payroll
┃ ┣ 📂 Direct Deposit
┃ ┣ 📂 AP / AR
┃ ┣ 📂 Accounting Integrations
┃ ┣ 📂 Multi-Product Expansion
┃ ┗ 📂 Customer Success
┃
┣ 📂 Risk
┃ ┣ 📂 Underwriting
┃ ┣ 📂 Credit Models
┃ ┣ 📂 Chargebacks
┃ ┣ 📂 Fraud Rules
┃ ┣ 📂 Loss Prevention
┃ ┗ 📂 Reserve Management
┃
┣ 📂 Operations
┃ ┣ 📂 Support
┃ ┣ 📂 Disputes
┃ ┣ 📂 Reconciliation
┃ ┣ 📂 Finance Ops
┃ ┣ 📂 Vendor Management
┃ ┗ 📂 Compliance Ops
┃
┣ 📂 Metrics
┃ ┣ 📂 TPV
┃ ┣ 📂 Deposits
┃ ┣ 📂 Active Accounts
┃ ┣ 📂 Card Spend
┃ ┣ 📂 Gross Margin
┃ ┣ 📂 CAC / LTV
┃ ┗ 📂 Net Revenue Retention
┃
┣ 📂 Expansion
┃ ┣ 📂 New Countries
┃ ┣ 📂 New Licenses
┃ ┣ 📂 Additional Banking Partners
┃ ┣ 📂 New Products
┃ ┗ 📂 Embedded Finance (API)
┃
┣ 📂 Scale
┃ ┣ 📂 Hiring
┃ ┣ 📂 RevOps
┃ ┣ 📂 International
┃ ┣ 📂 M&A
┃ ┣ 📂 Regulatory Strategy
┃ ┗ 📂 IPO Readiness
┃
┗ 📂 Moats
┣ 📂 Distribution
┣ 📂 Brand
┣ 📂 Banking Relationships
┣ 📂 Regulatory Advantage
┣ 📂 Proprietary Data
┣ 📂 Network Effects
┣ 📂 Capital Access
┣ 📂 Credit / Lending
┣ 📂 Ecosystem Partnerships
┗ 📂 Switching Costs
Sunday || Cyphalet retweeted
🚨 Attention, Merchants!
A new feature is here for you.
Introducing SENDERS (POBO - Payment on Behalf Of) on Cyphalet.
Now you can make supplier payments on behalf of your customers while keeping your client relationships private, secure, and fully under your control.
Speed, security and compliance combined for a truly borderless financial experience.
Create your account and experience it today
🚀 Our Website is Now Live!
Global payments happen here — fast, secure, and borderless with Cyphalet 🌍⚡
#Cyphalet #GlobalPayments #NowLive #CrossBorderPayments #Fintech #BorderlessPayments
Sunday || Cyphalet retweeted
Do NOT doom scroll tonight.
Instead, learn a new skill. Comment for a course recommendation.
Sunday || Cyphalet retweeted
Asia is doing 63% of all stablecoin payments globally.
Most of the region constantly uses QR codes, mobile wallets, and instant transfers.
Most of the region was already using these payment methods way before stablecoins existed.
So the jump wasn't that big.
Without stablecoins, though, people there would still struggle with:
→ Limited access to USD
→ Expensive payments across borders
→ Uneven traditional banking infrastructure across the continent
If you spend any time in the region, it becomes clear why stablecoins have become a daily necessity there.
Sunday || Cyphalet retweeted
The Nigeria police killed this young man without giving him a chance to defend himself. That states a lot.
Please if algorithm brings this to you, retweet until this young man gets justice
Sunday || Cyphalet retweeted
While men slept, yesterday night😅, the CBN confirmed the commencement of an AML/CFT/CPF Supervision Pilot for a select group of Virtual Asset Service Providers.
The selected companies are @paystack, @theflutterwave, @kucoincom, @cngn_co, @koinkoinapp and @juicywayhq 🎉
And before you get too excited o, the framing was careful that participation confers no licensing status, no regulatory approval, and does not supersede the existing framework📌
That much is clear.
But clarity of framing does not diminish significance of intent.
Nigeria’s virtual asset regulatory story has been long and turbulent.
We went from a blanket banking sector prohibition in 2021, through gradual re-engagement, to the ongoing question of which regulator owns what.
The CBN’s move here does not resolve that question but it signals that the apex bank is no longer watching from a distance. For the first time in a while, it feels like we have actually left the runway.
This structured supervisory engagement would involve a risk-based programme covering governance, customer onboarding, sanctions screening, transaction monitoring, and FATF Travel Rule preparedness.
The focus on Recommendations 15 and 16 is deliberate. This is the CBN signalling to FATF evaluators that Nigeria is actively supervising this space.
So now I’m thinking🤔, will this remain a compliance exercise, or is it the first step toward a functional, dual-supervised virtual asset ecosystem where the CBN and SEC each hold a defined lane?
I’m curious to hear your thoughts about this…
Sunday || Cyphalet retweeted
We are introducing EU Inc. To make building and growing a business across the EU faster, simpler, and smarter.
🔸 Start a company in less than 48 hours
🔸 No minimum capital requirement
🔸 Fully online and borderless
ALT Text reads ‘Europe needs innovators. Europe needs founders. EU Inc. is coming.’ Below, a blue line-art illustration of interlocking gears suggests industry and collaboration. European Commission logo in the corner.
Sunday || Cyphalet retweeted
1. Tweet about what your users do alot.
2. About the product and what stage you’re in.
3. Once in a while, tweet about adding features that’ll stress out your engineering team.
4. About what’s going on with your investors.
5. About the kind of partners you’re looking to work with.
6. Start building the public image about the company you’re building and let people know that can ask your questions.
7. Get involved in the ecosystem you’re building in.
Sunday || Cyphalet retweeted
If you're a startup, RT and reply with your website URL and I'll help you run a security test using my @BugBunny_ai account. I'll privately DM you the test audit result.
BugBunny was the company who reported the vulnerability in Google Gemini CLI.
BugBunny has discouvered and reported critical vulnerabilities in major platforms like :
Google,
React Router SSR XSS in ScrollRestoration,
Flowise Account Takeover via Token Leakage,
Python RCE via Unguarded Pickle Fallback in pyfory/pyfury
And so much more.
This will be done responsible.
