Great systems age better than great interfaces. You can redesign an interface anytime but you can’t casually redesign how value clears once volume hits. To be honest, the best infrastructure I’ve seen is the kind that absorbs growth. - Latency tolerance - Reconciliation logic

This reads right to me. What stands out is the direction. Most of the real work ahead is about making money and coordination behave predictably at scale.

After building payments infra for 17 years, this is the year I'm most excited about. Here's why: - Credit delegation is replacing inefficient pre-funded pools as the standard for on-chain clearing. - Institutional capital is finally flowing into yield-bearing stablecoins backed

This actually makes sense. Anyone who’s built infra for long enough knows this feeling, people expect straight lines from a system that’s never grown that way. If blockchains really do become the default settlement layer, a lot of what we assume today won’t hold. And if that

I wonder why everyone’s focused on price action nowadays. And why nobody’s watching something else. L2 maturity, DA layers becoming reliable, modular systems stitching execution and settlement together. That’s the part I pay attention to. Because this is the stuff that decides

Stablecoins did $0 in settlement volume a decade ago. - $10B became possible - $50B became routine - $250B settled annually across many issuers We know this is the ‘early stage’ now imagine what the next $1T in onchain settlements will look like. Trillions.

Someone recently asked me why I'm so dedicated to scaling Zeebu, and my answer was "it's all about equity and access." Traditional correspondent banking creates artificial barriers. - Volume minimums. - Relationship requirements. - Pre-funded nostro accounts that only large

I’ve watched compliance move from a back-office task to an architectural layer. Every regulated system evolves the same way - manual, automated, then embedded. Finance is entering its embedded phase, where trust lives inside the protocol itself. Treasury operations run with

I’ve watched compliance move from a back-office task to an architectural layer. Every regulated system evolves the same way - manual, automated, then embedded. Finance is entering its embedded phase, where trust lives inside the protocol itself. Treasury operations run with

AI can automate trust but it can’t decide who owns it. As finance becomes machine-verified, the real challenge is sovereignty. • Data must stay with the ones creating it. • Systems must validate without exposing. • Compliance must be programmable, not extractive. Finance

AI can automate trust but it can’t decide who owns it. As finance becomes machine-verified, the real challenge is sovereignty. • Data must stay with the ones creating it. • Systems must validate without exposing. • Compliance must be programmable, not extractive. Finance

The bottleneck in modern finance is verification. The next leap in finance is about systems that can prove compliance in real time. AI will make this possible by auditing flows, validating ownership, and enforcing rules at the protocol level. I’ve been expecting this phase

The bottleneck in modern finance is verification. The next leap in finance is about systems that can prove compliance in real time. AI will make this possible by auditing flows, validating ownership, and enforcing rules at the protocol level. I’ve been expecting this phase

Institutional liquidity is quietly reshaping DeFi. Tokenized assets are projected to approach $2T, most of it coming from real yield instruments and tokenized funds, not traders chasing APY. Institutions don’t want higher yield, they want liquidity that clears, settles, and

If you think about it, the infra that becomes truly essential for us ends up becoming invisible eventually. No one today says, 'I'm using xyz IP address' when they browse the web. They just browse. No one says, 'I'm using ACH' when they send money through Zelle. They just send

Was going through kpk's latest research which confirmed that protocols that survive are the ones that control it. The report highlighted three traits of sustainable systems: - owned liquidity depth - measured incentive structures - utility-driven retention over speculation

Been working on payments infrastructure since 2008. Entered web3 in 2014, and eleven years in, I've learned more from what didn't work than what did. The beauty isn't in crossing $11B in settlements. It's in the thousands of small decisions that got us there - the features we

I've watched DeFi burn through billions on unsustainable yield farming. The problem with most liquidity incentives: they're designed for short-term TVL farming, not long-term value creation. The shift I'm seeing now: • Real-yield models where rewards come from actual protocol

Visa just published a deep dive on onchain lending - $670B in stablecoin-denominated loans over 5 years, with $51.7B in monthly volume. Their key insight: stablecoins sit at the intersection of payments, lending, and capital markets. While most focus on payments use cases, the