Great to see the excitement about @Onlend_ I am personally a big fan of the idea of evolving the lending underlying technology as a layer that everyone can use and customize. I have advising the team on strategy . Dm me if you want to connect and explore to be an early partner or investor.

Folks Finance is excited to be one of @Onlend_'s launch partners. Onlend will enable Folks to expand into new DeFi lending markets and enter its next growth phase. To celebrate, we're giving away 200 $USDC! Like & RT the post below, tag 3 frens & follow. Winner in 48h.

“It’s not using DeFi.” That’s @benedettobio, co-founder and CEO at @FolksFinance, with me on @MNSShow. TradFi likes the onchain loan, just not the permissionless lending market. So DeFi adapts, and that’s exactly what Folks Finance is doing. This is just one snippet of a DeFi builder’s story - full episode links below. 👇

In Hong Kong for @HongKongFinTech 🇭🇰 HK is one those places where TradFi and onchain finance are really coming together, with banks & fintechs increasingly working side by side with onchain infra. I'll be around until Friday. Hit me up if you're also there!

As we prepare for the launch of Folks Markets, the next product evolution of Folks Finance, we are sharing the transition plan for xChain. As part of this process, starting October 1, xChain will be gradually deprecated following the timeline below to ensure a smooth transition. After March 31, 2027, the xChain app website will not be available, so we encourage all users to repay their loans and withdraw their assets before then. Full details ↓

Folks Mobile is now Wield Money! → A new identity ahead of launch → Comment “WIELD” if you’d like to be an early tester → Get launch updates: More about the rebrand ⬇️

See you in Seoul for @kbwofficial 🇰🇷 If you’re building in DeFi, running a neobank, working with RWAs, or deploying capital onchain, leave a comment or drop me a DM. Let’s catch up on what we’re building.

.@ForbesTechCncl recently asked me who companies should hire as their Chief AI Officer my answer was basically: do you actually need one? at @FolksFinance we didn't hire someone to "lead AI" instead, everyone is expected to experiment with it and figure out how it can make them better at what they already do someone finds a tool that makes them significantly faster? share it someone figures out a better workflow? share it someone automates something the rest of us hate doing? definitely share it we have catch ups where we share these things with each other, and if something is useful, everyone who can benefit starts using it over time, one person's discovery becomes knowledge the whole team can use companies don't have a Chief Internet Officer anymore I think AI will eventually be the same the goal isn't to build an AI department it's to build a team that's really good at using AI > shared my thought in this @Forbes article:

People underestimate how much a small team can build when everyone actually cares. High agency. Aligned mission. No waiting around. I'll take 20 people like that over 200 waiting for instructions every time.

I've been in rooms with a lot of founders over the past few years. Different industries. Different stages. Different backgrounds. The ones who build something that lasts share something I didn't expect when I first started paying attention to it. They're not the most confident people in the room. They're the most curious. They talk about the problem obsessively. Not the product, not the company, not the fundraise. The problem. What's broken, why it's broken, why everyone else has got it slightly wrong. They're also comfortable being uncertain for longer than most people can stand. Building something new means living with questions that don't have answers yet. The founders who need certainty too early make decisions too early, and usually the wrong ones. The last thing: they know exactly what they're not building. The clearest founders I've met have a sharper sense of what they've decided not to do than what they have. That discipline is what keeps a company focused when everything around it is pulling in different directions. Skills matter. Experience matters. But I've seen highly skilled people build nothing of value, and people with no obvious advantages build things that change industries. The difference is almost never what's on paper.

Everything has been globalized. Goods. Services. Information. But the driver of globalization was left behind by globalization itself. Money. 1.3 billion adults still don't have a bank account. Onchain rails are changing that. Check it out in my latest @Forbes article 👇

Stablecoins processed $33T last year vs $25.5T for @Visa + @Mastercard. But this isn't about replacing Visa or Mastercard. In fact, both are already building and investing (a lot) in stablecoins. Stablecoins are the new global payments rail. More in my @Forbes article ↓