Garry is 100% correct here. What happened is that we’ve seen them come and go. Negative pricing, big capital raisers. But it turns out the real moat is the complexity of the market. Money can’t win it. Knowledge. Founder market fit. Don’t die.

Does that mean Chelsea FC is the best football club in the world?

😂

The most successful banks are partnering with fintechs, not fighting them. Attempts to replicate fintech innovation in-house with innovation or fintech subsidiaries underperforms.

AI is the best teacher for the self-taught.

Spent the last 2 days in Lagos with the Mayor of London, Sadiq Khan’s fintech trade mission. Conversations with banks, regulators, and founders confirmed that Africa is the heart of fintech innovation. London is the best place to build fintech for the world. I’m here to push programmable

Deep research can access data that’s not publicly available through search. This is wild.

The GENIUS Act is getting signed today, bringing clear rules of the road for stablecoins. Here's why stablecoins are better money, how they're better for people and businesses, and the mental models you can use to understand them. My master thread on stablecoins. 👇

President Trump has signed the GENIUS act into law. This creates the first federal regulatory framework for stablecoins. We get clarity and legitimacy for our innovations. It’s a great day.

stablecoins will become core global payments infrastructure. this new platform will enable more economic choice and reduce transaction costs for consumers and businesses globally. with the Genius act's passage, 🇺🇸 can show the world what's possible

China took manufacturing because of cheap labour. Then labour costs started going up and they’ve now automated so much that car makers like Zeekr have factories that don’t require light or labour for some of their operations.

Resist zero-sum mindsets

I stopped advising founders or “telling my story”. Because if we told the truth, nobody would pursue founding anything. Recently, a friend I met said: we must say it and the few that are left after we tell the issues are the real ones. Whatever the outcome, no stable, sane person

SBF being released is a good thing. I know it’s unpopular opinion.

Most companies fail at product and distribution but it’s easier to blame distribution. If you’re failing at distribution, check the product.

From Fintech to stablecoins Stablecoin Issuers = partner banks Chains = payments processors Stablecoin APIs = BaaS infra Wallets = Accounts

Grateful for our brilliant Uganda team. Behind every line of code, every customer we support, and every transaction we process, there’s a person who cares deeply. 💙