Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile
Michał Moneta | michal.onchain 🔥

@michmoneta

Chief Chef at @OnchainHQ & Assistant Professor at the University of Lodz

⛓️ Web3 | 💡 Research | 📈 Marketing | 💰 Behavioral economics

ID: 2835133977

calendar_today17-10-2014 15:46:23

3,3K Tweet

6,6K Followers

329 Following

Onchain Foundation (@onchainhq) 's Twitter Profile Photo

A deep dive into how founders think, decide, and build. Where are builders heading next and how do they stay ahead? Set your reminder below.

A deep dive into how founders think, decide, and build. Where are builders heading next and how do they stay ahead? Set your reminder below.
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

Can a relatively volatile country with only emerging financial infrastructure become a crypto hub? Well, it sounds like a very fertile ground for blockchain-based solutions. And Kyrgyzstan is trying to capitalize on that. The country’s heavy reliance on remittances, accounting

Can a relatively volatile country with only emerging financial infrastructure become a crypto hub?

Well, it sounds like a very fertile ground for blockchain-based solutions. And Kyrgyzstan is trying to capitalize on that. 

The country’s heavy reliance on remittances, accounting
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

Some people thought crypto tribalism was fading. Then Steak 'n Shake dropped ETH payments – right after Bitcoin payments enablement brought them a 10.7% sales boost. There was no operational problem. Just a statement about “staying true to Bitcoin.” What makes it more absurd:

Some people thought crypto tribalism was fading.

Then Steak 'n Shake dropped ETH payments – right after Bitcoin payments enablement brought them a 10.7% sales boost.

There was no operational problem. Just a statement about “staying true to Bitcoin.”

What makes it more absurd:
Genome (@genome_protocol) 's Twitter Profile Photo

🧬 Genome Roundtable How AI Will Rewrite Web3 Marketing Playbooks in 2026 🤖 Tomorrow, we dive into how AI reshapes marketing - from campaign automation to adaptive strategies Jason 💪 powerlifter.eth @Crossing_panda Spike @Michmoneta IshitaPandey.eth @Turf_network 📅 Oct 23, 2PM UTC

🧬 Genome Roundtable

How AI Will Rewrite Web3 Marketing Playbooks in 2026 🤖

Tomorrow, we dive into how AI reshapes marketing - from campaign automation to adaptive strategies

<a href="/JasoNFT_/">Jason 💪 powerlifter.eth</a> @Crossing_panda <a href="/SpikePersona/">Spike</a> @Michmoneta <a href="/IshitaaPandey/">IshitaPandey.eth</a> @Turf_network

📅 Oct 23, 2PM UTC
Onchain Foundation (@onchainhq) 's Twitter Profile Photo

Onchain was recently hired by RFS Consulting. The need: data-driven insights to stay ahead of regulatory & market shifts while focusing their resources on revenue-generating work. Our deliverables transformed their client acquisition strategy. Learn more in our case study ↓

Onchain was recently hired by RFS Consulting.

The need: data-driven insights to stay ahead of regulatory &amp; market shifts while focusing their resources on revenue-generating work.

Our deliverables transformed their client acquisition strategy.

Learn more in our case study ↓
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

If blockchain’s promise in 2009 was to “make money and transactions independent of banks,” should we now consider that fulfilled? Even if it hasn’t “replaced” the traditional banking system, the data now explicitly show that it provided a very efficient and stable (pun

If blockchain’s promise in 2009 was to “make money and transactions independent of banks,” should we now consider that fulfilled?  

Even if it hasn’t “replaced” the traditional banking system, the data now explicitly show that it provided a very efficient and stable (pun
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

Average TradFi loan interest rate: 12.26%. Average onchain lending rate: 6.4%. A newly published “The onchain lending opportunity” report by VISA provides a few very interesting insights into this market: – $670B in stablecoin-denominated loans originated since 2020. Total U.S.

Average TradFi loan interest rate: 12.26%. Average onchain lending rate: 6.4%.

A newly published “The onchain lending opportunity” report by VISA provides a few very interesting insights into this market:

– $670B in stablecoin-denominated loans originated since 2020. Total U.S.
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

Did you know that we have a crypto company that is more profitable than Coca-Cola? 🥤 After a record-breaking $13B profit in 2024, Tether is forecasting $15B for 2025. At a 99% margin. This doesn't just shatter crypto records, but places their profitability above giants like

Did you know that we have a crypto company that is more profitable than Coca-Cola? 🥤

After a record-breaking $13B profit in 2024, Tether is forecasting $15B for 2025. At a 99% margin.

This doesn't just shatter crypto records, but places their profitability above giants like
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

It’s actually not the US, Brazil, or even India that tops crypto adoption rankings. Once we adjust such classifications by population, it turns out that the most crypto-savvy countries are actually in Eastern Europe. It’s driven by both necessity (inflation, remittance flows,

It’s actually not the US, Brazil, or even India that tops crypto adoption rankings.

Once we adjust such classifications by population, it turns out that the most crypto-savvy countries are actually in Eastern Europe.

It’s driven by both necessity (inflation, remittance flows,
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

Don't let the $26T in stablecoin transaction volume fool you. A 2025 global analysis from Stablecoin Insider reveals a more nuanced story. Only about 5% (or $1.3T) of that volume is for actual payments for goods and services. The vast majority is still non-commercial, with the

Don't let the $26T in stablecoin transaction volume fool you.

A 2025 global analysis from Stablecoin Insider reveals a more nuanced story. Only about 5% (or $1.3T) of that volume is for actual payments for goods and services.

The vast majority is still non-commercial, with the
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

Most of you have heard about tokenizing real estate. But what about doing the same with... water? 🚰 Hypercube's Wateract initiative is doing just that. It converts verified cubic meters of recycled and reclaimed water into onchain credits ($WTR) on the Algorand Technologies blockchain.

Most of you have heard about tokenizing real estate. But what about doing the same with... water? 🚰

Hypercube's <a href="/wtrtoken/">Wateract</a> initiative is doing just that. It converts verified cubic meters of recycled and reclaimed water into onchain credits ($WTR) on the <a href="/Algorand/">Algorand Technologies</a> blockchain.
Onchain Foundation (@onchainhq) 's Twitter Profile Photo

Our clients say it best. We help web3 leaders drive business results with tailored research + actionable advice. Data → Insights → Decision → Success Could tailored research & guidance could help you too? Learn more about our Services via our link in bio.

Our clients say it best. 

We help web3 leaders drive business results with tailored research + actionable advice.

Data → Insights → Decision → Success

Could tailored research &amp; guidance could help you too?

Learn more about our Services via our link in bio.
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

I heard you’re all excited about x402 AI agentic payments. That’s nice. It’s definitely an interesting concept. Just don’t get excited about agentic investments yet. The latest Alpha Arena experiment just ended. And only one model came out ahead of the market: Qwen3 MAX. Quick

I heard you’re all excited about x402 AI agentic payments.

That’s nice. It’s definitely an interesting concept. Just don’t get excited about agentic investments yet.

The latest Alpha Arena experiment just ended. And only one model came out ahead of the market: Qwen3 MAX.

Quick
Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

Why are we trying to force the “CRYPTO neobanks” narrative? We already have the infrastructure to build and conquer the “ordinary” ones. It’s not Web3 users who need neobanks. We’re actually used to switching wallets, using multiple protocols at once, or sending funds

Michał Moneta | michal.onchain 🔥 (@michmoneta) 's Twitter Profile Photo

ICO meta is so back that it’ll likely (re)replace airdrops. There are two main reasons for this recent shift: reward/effort ratio and sunk-cost fallacy. Airdrops basically turned into a labor market with declining returns. Their psychological appeal came from variable rewards