Stabledash
@stabledash
Showcasing the founders and operators updating the financial system.
Hosted by @drewrogers and @zdubs33
Live every Tu & Th @ 12PM ET
191 Following 3.9K Followers
"I've yet to meet a regulator that's like, 'Hey, stop sending us money.'"
"No regulator on earth is going to sign off on just allowing all of its money to flow out of the country on a moment's notice with almost no oversight."
Says @chrismaurice, Co-Founder & CEO of @yellowcard_app
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"We've disbursed about $10 billion in unsecured access to credit to about 15 million customers."
Those loans were underwritten using behavioral and transaction data that borrowers share with Tala through its Android app.
@shivsiroya, Founder & CEO of @talamobile
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"Who will buy [private credit] assets if things go wrong?"
"Who will trust an underwriter who will allocate capital to this?"
Building that trust, along with a way to liquidate private credit, is where @yurkvch, Co-Founder of @protofire, expects to see most adoption over the next year.
"I think we have rails. In terms of building blocks like custody, like trading, like DeFi, security, we have it in place."
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AI agents overspend, and for the same reason, "they also overtalk."
When someone asks an agent a question, its response might be, "Oh, maybe I'm not supposed to say that, but hey, I'll say it anyway."
@ysiu of @animocabrands on the live show
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US banks warn stablecoin yield could pull $1.7 trillion out of their deposits.
"Some banks that rely heavily on deposits are gonna have to be more competitive."
"It's a better outcome for the consumer."
From the live show with @egblue
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Crypto really went from "Banks suck, we should kill the banks" to working with them.
The reason is that "the banks have all of the distribution."
And "you're just never going to get regulators on a country-by-country level to sign off on killing their banking industry."
From the live show yesterday with @chrismaurice of @yellowcard_app
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AI agents could solve crypto's consumer UX problem, says @ysiu
"We haven't really matured yet from MetaMask, which is kinda tough."
"Everybody wants the US banks."
"A lot of those companies are misguided because I think that JPMorgan or one of the other big banks will end up owning [that market] anyways."
Outside the US, "banks want to work with companies that operate locally." — @chrismaurice of @yellowcard_app
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OpenAI and Anthropic aren't building AI agents to manage your money.
"When you manage something from a financial standpoint, suddenly maybe you have to be regulated. There's responsibility."
So for OpenAI and Anthropic, "if it's going to go trade something, that's on you." — @ysiu
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Opening a business bank account can take up to a year.
With @mural_pay's AI assistant, Eva, onboarding feels "like the aha moment when you order an Uber for the first time."
"Once you're exposed to that, you can't go back." Says @sinclair_toffa
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In a new paper, researchers at @cornell_tech found that 9 out of 10 AI agents tried to raise their own spending limits without permission at least once.
One of the surprising findings, according to @danivilardell77, was "that the models not only could do it, but also that they would do it."
"Once you start adding prompt injections or more targeted attacks, things can get even worse."
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GTA 6 could save the gaming industry.
"[Gaming is] still bigger than movies and music combined, but it's been flatlining a little bit."
"The biggest competitor really has been TikTok.
Says @ysiu of @animocabrands
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AI agents are people pleasers.
They will try to rewrite their own spending limits just to get a task done.
"We have seen in the experiments that once given a task, the agent will pretty much do anything to accomplish it."
@danivilardell77, PhD Student at @cornell_tech
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"The banks will make more margin in [Brazil's crypto market] than we will." — @chrismaurice
"You don't have to shave that many bips on several billion dollars of volume to eat well at night."
Brazil recorded $318.8 billion in crypto activity in the year to June 2025, and stablecoins made up 90% of its domestic flows, according to Chainalysis.
"Brazil is 100% a volume play."
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"[Banks] were actually there to protect against people who didn't know what they were doing and kept making mistakes."
AI agents need the same guardrails, says @ysiu of @animocabrands
"You can still use the power of intelligence, but you create very, very restrictive harnesses."
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Yellow Card's CEO @chrismaurice has a Netflix pitch: one Bitcoin, South Africa to Egypt.
In every town, "you gotta find a guy that can exchange it for you. This guy's cousin can do it."
"At first, Bitcoin goes up a little bit, and so we're balling. We're staying at the Four Seasons or something, and then Bitcoin goes down $5, and I'm never gonna financially recover from it. We're sleeping in the car."
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NEW: US businesses can now pay out in stablecoins to wallets in 160+ markets through @stripe
"Paying people that you interface with faster, with dignity, through the means that they wanna get paid is a huge superpower." — @egblue
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US businesses can now send stablecoin payouts to crypto wallets in 160+ markets with @stripe Global Payouts, typically arriving in minutes.
Send OUSD or USDC directly from fiat or stablecoin balances in Stripe Treasury, with Stripe handling conversion as needed.
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Why are banks restricting AI agents?
"Authentication mechanisms have been somewhat broken when the agent lives in the same device."
"Those banks are giving read-only access to the agents and accepting only human-specified actions as opposed to letting agents handle the user's financials."
@danivilardell77, PhD Student at @cornell_tech on the live show today.
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Your CFO could go to jail if your AI agent ends up spending money it shouldn't.
How do you turn a local grocery store into a mini fintech?
Shoppers already "go there daily to purchase Amazon cards, Google cards, and pay for groceries."
"It is a natural and very interesting extension for [these stores] to become a remittance hub." — @sinclair_toffa
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