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Any token, from any chain, into Arc. One transaction. Isn’t that cool, @jerallaire? 👀

Nubank has more than 140 million customers. Now it’s taking its playbook to the US. I sat down with David Vélez, Founder and Global CEO of @Nubank, live at Nu Stadium, the day after the US launch. We get into the US launch with Lead Bank, Nu’s conditional OCC approval, and what’s under the hood of Nu Global, including Sygnum, Circle, Mastercard and Stripe. Plus AI credit models, banking agents, and the efficiency numbers that make other bank CEOs read and weep. Full interview below 👇 0:11 Nubank’s scale, efficiency, US launch, tokenization and AI 2:14 Chuck Feeney’s philanthropy and influence on David Vélez 4:13 Smart efficiency culture and Nubank’s branchless cost advantage 7:10 Hidden US banking costs and the underbanked opportunity 9:44 Nubank’s US strategy, Hispanic customers and incumbent competition 12:13 Customer obsession, NPS and long-term loyalty economics 16:48 Nu Global, stablecoin savings and international money movement 22:00 NuFormer foundation models for credit decisioning and financial AI 27:20 AI banking agents, financial guidance and cautious customer rollout 30:34 AI-driven workflow reinvention and Nubank’s flatter organization

Ever wonder where a crypto lies in the evolutionary tree of money? USD stablecoins are evolution’s favored child - the product of thousands of years of natural selection. And Bitcoin and ETH are the first new major currency families in 500 years. I mapped all currencies in use today back to their ancestors (and traced some extinct lineages). Nearly all descend from the first coin struck in Lydia ~630 BC. ~15 descend from India, through the rupee. The Siamese tical and (rebooted) Cambodian riel each have a single descendant. The US dollar - originally 371.25 grains of silver - hangs off a long, proud lineage Aside from Cambodia, BTC and ETH are the only currencies that start from nothing - no conversion, no peg, no metal, no commodities behind them. To avoid survivorship bias, this tree also shows major families that died out: the Mesopotamian shekel, the Egyptian deben, Chinese cash, cowries, Aztec cacao, Ethiopian salt bars, Inca cloth and Yap's stone money. DM for a better resolution picture or the bibliography

Pulsar is building a stablecoin-native money app on Arc. The goal: help people hold, convert, transfer, and spend across currencies from one unified experience without making them manage chains, bridges, gas, or routing. Under the hood, Arc gives @PulsarMoneyApp the infrastructure for: → USDC-based fees → Deterministic finality → USDC and EURC flows → StableFX for currency conversion → Circle infrastructure for crosschain stablecoin movement Stablecoins become the product ingredient, not the product interface. http://www.arc.io/blog/how-pulsar-is-building-a-cross-border-money-experience-with-arc

Today we’re announcing Personal Agent Protocol — an open standard @Meta and @SierraPlatform are developing along with industry partners at @Genesys, @instinct, @RocketOTD, @Shopify, @stripe, and @Walmart. It will help define how personal agents interact with businesses and is open for anyone to implement. Read more: https://sierra.ai/blog/introducing-personal-agent-protocol

NEW: @Anchorage Digital acquires @RoutableHQ, a payouts platform that helps enterprises pay out globally across 220 countries. This will allow companies to issue stablecoins and send payouts from the same platform, with settlement available in dollars, euros, stablecoins, or tokenized deposits. @sergiofly, global head of digital asset infrastructure at @Anchorage, recently explained on @_TalkingTokens why companies need stablecoin rails that support all types of global currencies and regions: "If you look at how finance works today, you have the US networks, you have the European settlement network ... you have domestic ones like in Brazil that work really well, but there's no real global settlement network. That's exactly what stablecoins solve. So offering a very efficient solution on a global scale is unseen, and the fact that now it's also a regulated instrument is the real unlock."

my prediction: personal ai agents won’t monetize through monthly subscription fees. they’ll monetize by owning the fintech stack and earning revenue every time their users spend money. Instinct already measures internal performance based on monthly payment volume. to monetize this they can: > issue their own Visa credit card > earn 2-3% interchange on every transaction > negotiate bulk discounts directly with merchants > take a percentage of the savings they generate > earn yield on balances sitting inside the ecosystem instead of charging you $20/month to use your personal agent, the agent becomes the interface through which you spend thousands of dollars every month. if your agent books your flights, hotels, restaurants, and everyday purchases, owning the payment layer underneath becomes far more valuable than a $20/month subscription. the biggest personal ai companies will end up looking less like software companies and more like fintechs. personal ai agents + fintech will eventually blend into an entirely new category: agentic finance.