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I have a new favorite Paul Graham essay, and it’s titled “Jessica Livingston” about his YC co-founder and wife

Takeaway: stablecoin-linked cards are essentially just-in-time offramps for users today The real unlock is for non-U.S. users, who can now spend their stablecoin balance without FX or off-ramp friction From the merchant’s perspective, not much changes: they receive local

A few thoughts on what's needed for stablecoins to compete in C2B payments: Credit cards are sticky because of rewards, funded by the same fees merchants pay. Stablecoin discounts could shift behavior, but they need to be compelling enough to compete with points. Credit cards

The “Insist on Focus” insight from Keith Rabois How to Operate lecture really hit: Peter Thiel made every PayPal employee focus on just one thing until it was solved. His view: doing multiple things causes most people to avoid the hardest, highest-leverage A+ problem and stay

Chestnut (Chestnut) is building the first AI mortgage lender, with AI agents that save customers 0.5%+ in interest. Congrats on the launch, Spencer Brown! ycombinator.com/launches/NZm-c…

I still love reading commencement speeches While they’re aimed at college grads, the best ones have timeless wisdom - this one by Jessica Livingston is one of them:

such a sucker for Stripe Press binding

I’ve been thinking about how AI agents will make payments A lot of people say agents need stablecoins. Wallets are easier to spin up than bank accounts; stablecoins are more programmable, composable, etc. At the same time, Stripe is powering agents on existing rails (like with

blown away by ZKP2P, magical onramp experience for small value transactions sent $10 directly from cash app and received usdc in my wallet within minutes

every time i wire money, i experience the bull case for stablecoins

telegram has become unusable. the amount of spam and random group chats has made it impossible to keep up with real convos. desperately need a new communication channel, who's building this

with Stripe acquiring Bridge and now Privy, the ability to build completely seamless fiat to onchain fintech products is easier than ever before fintech slapped lipstick on a pig; stablecoins and embedded wallets are now upgrading the backend of fintech in real time

thinking about a payments product for DTC merchants and marketplaces. looking to chat with people who’ve built or invested in either category. if that’s you (or someone you know), please DM!

the "commerce payments protocol" that @shopify and Coinbase 🛡️ developed is an underrated tidbit from their announcement stablecoins alone don't have the same mechanisms and protections as traditional payments this protocol starts to change that, creating a process around

Stable Stories EP 11 is live! 🎙️ This week, ria bhutoria & Ole Hylland Spjeldnæs of delta join Annika Lewis to dive into: 💠Rethinking L1s 💠Why “centralization is good” (sometimes) 💠Stablecoin sandwichs & cross-border infra 💠Web3 sovereignty + pragmatism Check it out! 👇

The GENIUS Act will be signed into law today. The House just passed the CLARITY Act. Crypto has made incredible progress, even in the face of immense regulatory uncertainty. Imagine what we can build with real clarity and support from regulators. Fired up for what comes next 🇺🇸

the internet has two native markets: crypto (digital financial capital) and attention (digital social capital) crypto apps take off when they combine them: polymarket, pumpfun and... persuasion markets. i wrote a full manifesto for what this future looks like (link below)