The most successful fintech companies started with a narrow value proposition and scaled from there. Nubank and Revolut started with cards. Stripe started with payments for developers. Affirm and Klarna started with a simple buy now, pay later proposition. Financial institutions should approach digital assets the same way. Start with a specific use case: stablecoin sandwich for cross-border payments, on/off ramps and custody, card settlement, or tokenized deposits for inter-bank money movement. Build the capabilities, test demand, see what works, and expand into new use cases from there. Just start!

Your agents shouldn’t need a new account and a credit card for every service they have to use. @MPP enables them to discover services, get a price, and pay all in a single request flow. No separate API keys or billing for each provider. @brendan_j_ryan from Tempo Labs explains:

Ramp is worth $60bn and 70% of its R&D team is working on products it hasn't released yet. I sat down with @eglyman in New York to discus Why he thinks of @tryramp as a productivity company more than fintech The 7,000 pull requests their non-engineers wrote last quarter The trust charter, stablecoins, and whether an AI agent would choose your business. Full conversation 👇 00:00 Introduction 03:16 Is fintech dead? And why Ramp considers itself a productivity company 04:41 Why AI token costs are turning software into financial products 07:27 How Ramp's Inspect lets non engineers ship code using AI 11:51 Why AI is becoming the third major category of business spend 18:43 What justifies Ramp's valuation and its accelerating revenue growth 27:07 How AI is transforming employee productivity and customer support workflows 39:54 Why Ramp applied for an OCC national trust bank charter 43:15 How stablecoins enable faster cross border payments and protection against currency volatility 47:23 Will autonomous AI agents replace Ramp or choose its financial infrastructure? 51:01 The future of agentic companies and Ramp's mission to eliminate waste

Zones are more than just privacy. They enable Tempo to scale to 100,000+ transactions per second and beyond without unreasonable costs. MPP sessions 100x payment capacity. Zones then enable us to copy-paste that capacity across more zones. Our CTO @gakonst on fractal scaling:

Deposit tokens vs stablecoins got framed as a fight. From where we're looking it looks more like a stack. Deposit tokens make good reserves, both for the banks and sensitive holders like corporate treasuries: they pay interest and stay inside the bank perimeter. Stablecoins make good bearer money: anyone can hold, no account needed. Put one under the other and an issuer can rebalance reserves in code, at 3am on a Sunday, instead of through wires and cutoff times, leading to a better experience for everyone involved.

Simple illustration of how stablecoins and tokenized deposits work together and their utility to be able to move money 24/7/365. $SOFID and $SOFIE are the only bank-issued stablecoin and tokenized deposit that I'm aware of that can provide this interoperability today. $SOFI

In Brazil, card sales settle 30 days later. That’s a real cash flow gap, so many merchants sell their card receivables early. Funding is mostly from local capital which is expensive. Onchain lenders can bring a much broader pool of capital, which should mean better pricing over time.

Big news: This Week in Fintech is now The Financial News Network - @FNN_HQ. Same team, same editorial independence, much bigger ambitions. Our new home: How we got here and what’s next 🧵

Stablecoins beget tokenized deposits and tokenized deposits beget stablecoins [...] At @tempo we are building for the world that's rapidly coming where customers, corporate et al don't choose tokenized deposits or stablecoins they just use both

in cdmx this week 🇲🇽 representing @tempo on a panel thursday at stablecoin day - with @Mastercard, @DCGco, @reapglobal talking what it takes to make agentic payments useful and trustworthy if you're here for tech week, come through!

United CEO Scott Kirby joins @benthompson and me to break down the airline business: justifying big capex, how they do route planning, what other CEOs screw up, the Starlink decision, why everyone misunderstands the credit card economics, and lots more.

Introducing 'stripe pay', for instant business-to-business transfers. Find companies using their Stripe profile handle and send funds for free. Available in the Dashboard and CLI.

Stripe Crypto brings together everything needed to enable agentic commerce. From stablecoins on @tempo to secure non-custodial wallets powered by @privy_io, here's what's powering Link balance for AI agents, starting with @instinct.

Q3 was a powerful reminder of how far we’ve come in less than a decade. But equally clear of the massive opportunity still in front of us In 2018, we had 650,000 members and one primary business. Now, 17.1 million @SoFi members use 26.7 million products. We delivered record adjusted net revenue of $1.4B, record adjusted EBITDA of $470M and raised our outlook through 2027 for $6.4 billion in revenue $2.24 billion of adjusted EBITDA, $1.28 billion in Net Income a 20% margin and $0.90 in EPS Our conviction has never been greater. We’re still early in SoFi’s journey, and our ambitions for the future remain as bold as ever. Thank you to our members and clients for trusting us to help you get your money right.

.@link now lets you give your AI agent a balance to spend for you. > You add the money and set the limits > Wallets: @privy_io > Stablecoins: @tempo > Onramp: @stripe with @Stablecoin > US @instinct users first, no date for Europe I don’t know if @patrickc anticipated that the two acquisitions and Tempo would converge on agentic payments when he first came up with these deals, but looking at it today, it makes so much sense.