@mttjon

Fintech and payments https://xitter.cf/t.co/KG8pS4NSz3

 London 🇬🇧🏴󠁧󠁢󠁷󠁬󠁳󠁿
paymentsculture.com
Joined April 2014
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  • Followers1.4K
1KMedia
I'm starting a fintech and payments podcast. The goal is interesting discussions rather than high production quality. Remote recording (self produced). Looking to talk with those building interesting stuff and get across product, tech, business, and strategy. Please no PR pitches but open to any recommendations or direct outreach.
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I actually think this is a good policy but also all job ads should display the salary range too
Politics UK
@PolitlcsUK2h
🚨 NEW: The Government is set to ban employers from asking candidates how much they earned in previous jobs to stop pay discrimination
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In the UK you will soon be able to earn only £23k ($30k) over the minimum wage before 40% tax kicks in…
David Lawrence
@d_1awrence17h
An increase to £13.20p/h equates to a minimum wage of £27,456, based on a 40 hour week. Once you factor in employers NI and basic pension contributions, the MINIMUM cost to hire a 21 year old for a company would be £31,461. This is before you factor in any overarching business costs like office space, laptops, phone, software, training, support staff, vehicles etc. This is going to be devastating to SME's who cant put together a simple 12 month budget without the goalposts being moved & their margins squeezed. It'll also be catastrophic to youngsters opportunities because businesses will simply not be able to afford to hire them. What's also incredible is that anything above £50,270 is seen as 'high earnings' in the UK and is taxed at 40%! We are governed by financially and economically illiterate morons. This will not end well.
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Matt Jones retweeted
Paul Coleman
@Paul_B_Coleman5h
Britain’s new minimum wage: £27,456 a year. Higher-rate income tax kicks in at £50,270. Wage compression the Soviet Union could only have dreamed of.
Politics UK
@PolitlcsUK20h
🚨 NEW: John Healey will increase the minimum wage for over 21s from £12.71 to around £13.20
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Thank God he didn’t apply a Snapchat bugs bunny filter to make fun of a politician
Leaked News🗞️🇺🇸@LeaksNewsHQOct 22
BREAKING - UK police are refusing to arrest a Nottingham iman after he called for Muslims in the UK and other white nations to take up arms in jihad to carry out preemptive strikes against white people and white nations.
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Of course Brexit did have some damaging economic impacts but to say it was the biggest act of economic self harm that any country has ever committed is wild and clearly wrong.
BBC Breakfast
@BBCBreakfastOct 26
'Leaving the European Union was the biggest act of economic self harm any country has ever committed' Mayor of London, Sadiq Khan, told #BBCBreakfast Andy Burnham 'is spot on' about having an "honest discussion" ove the prospect of returning to free movement between the UK and European Union bbc.co.uk/news/articles/c8e3…
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Can stablecoins help fix banking. - by @mttjon paymentsculture.com/p/can-st…

Can stablecoins help fix banking?

Fipto’s Patrick Mollard on how new payment rails can help finance teams, the retreat of correspondent banking, and why treasurers aren’t chasing yield.

paymentsculture.com
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This week on Payments Culture I spoke with Patrick Mollard, CEO and co-founder of Fipto. Fipto is a Paris-based stablecoin infrastructure company that is working with clients such as TerraPay, Worldline, Ledger, to name just a few. In our discussion we covered: - The experience of Patrick, and fellow co-founders Gregoire Andrieu-Guitrancourt and Bertrand Godin, working together at iBanFirst before founding Fipto in 2022 - While Swift and other legacy payment systems still do the job for many payments today stablecoins can provide a clear upgrade where 24/7 settlement is required - How the retreat of correspondent banks, especially in regions like LATAM, have opened up space for stablecoins to step in (seen in Fipto's partnership with Avenia in Brazil) - Via Spiko customers of Fipto can now get access to low risk investments directly through the platform without off-ramping to a fiat bank account - How the EU's MiCA regulation provided regulatory certainty for partnerships in the region and why euro stablecoin initiatives such as Qivalis are being keenly watched paymentsculture.com/p/can-st…

Can stablecoins help fix banking?

Fipto’s Patrick Mollard on how new payment rails can help finance teams, the retreat of correspondent banking, and why treasurers aren’t chasing yield.

paymentsculture.com
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Matt Jones retweeted
Matt Jones
@mttjonOct 25
When you drop a new Substack
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This is really sad Rest of World is one of the most unique publications Why have they never tried a paywall? I would pay $10 a month to keep it going and I’m sure many others would too
Ben Mullin@BenMullinOct 25
News: Rest of World, the nonprofit newsroom focused on the impact of technology outside the West founded by Sophie Schmidt, tells donors in an email it will “cease publishing as a standalone entity” at the end of January.
Hello donors, We wanted to reach out and share an update about Rest of World’s future. After more than six years of award-winning reporting, our leadership team has begun the search for a new institutional home for the Rest of World brand and catalogue: an organization that has the reach and scale required to continue to drive impact in 2027. Negotiations are ongoing, and we’ll have news to share with you soon. As a part of that transition, Rest of World will cease publishing as a standalone entity at the end of January. Many of you know our origin story: we set out to chronicle how tech innovation affects people and communities beyond the usual Silicon Valley lens. Our writers documented major shifts driven by artificial intelligence, electric vehicles, and gig work in places like Manila, New Delhi, and Lagos. In doing so, we have reported on more than 100 countries and proudly worked with over 400 in-region freelance writers, editors, and photographers.

ALT Hello donors, We wanted to reach out and share an update about Rest of World’s future. After more than six years of award-winning reporting, our leadership team has begun the search for a new institutional home for the Rest of World brand and catalogue: an organization that has the reach and scale required to continue to drive impact in 2027. Negotiations are ongoing, and we’ll have news to share with you soon. As a part of that transition, Rest of World will cease publishing as a standalone entity at the end of January. Many of you know our origin story: we set out to chronicle how tech innovation affects people and communities beyond the usual Silicon Valley lens. Our writers documented major shifts driven by artificial intelligence, electric vehicles, and gig work in places like Manila, New Delhi, and Lagos. In doing so, we have reported on more than 100 countries and proudly worked with over 400 in-region freelance writers, editors, and photographers.

Despite our successes, the media landscape has experienced profound challenges in recent years ranging from significant shifts in how audiences engage with news to how journalism is funded. Rest of World experienced these headwinds, too. What does this mean for you? First and foremost, we want to thank you for reading and supporting our work along the way. Whether you gave once or made a monthly commitment to us because you valued our brand of journalism, we’re so grateful! For those of you who are recurring donors, we’ll continue publishing stories over the next three months. Your contributions are still welcome and will help support our writers, editors, and product team members through January. If you’d like to discontinue your donations, you can cancel them in our donation portal, or simply reply to this email and we’ll take care of it for you.

ALT Despite our successes, the media landscape has experienced profound challenges in recent years ranging from significant shifts in how audiences engage with news to how journalism is funded. Rest of World experienced these headwinds, too. What does this mean for you? First and foremost, we want to thank you for reading and supporting our work along the way. Whether you gave once or made a monthly commitment to us because you valued our brand of journalism, we’re so grateful! For those of you who are recurring donors, we’ll continue publishing stories over the next three months. Your contributions are still welcome and will help support our writers, editors, and product team members through January. If you’d like to discontinue your donations, you can cancel them in our donation portal, or simply reply to this email and we’ll take care of it for you.

After January, the site and all stories published on it will continue to be available. Your support makes it possible to preserve our work and keep it accessible. Thank you, thank you, thank you. The Rest of World team

ALT After January, the site and all stories published on it will continue to be available. Your support makes it possible to preserve our work and keep it accessible. Thank you, thank you, thank you. The Rest of World team

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China consumed more coal in the last four years (2022–2025) than the entire world consumed throughout the 19th century.
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When you drop a new Substack
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I was watching Sky News with my wife earlier. Pete Hegseth was talking. My wife said "is that the real estate guy?" 🥹
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Matt Jones retweeted
Matt Jones
@mttjonOct 23
Stripe’s Link wallet is fast becoming the de facto payment option for many personal agent experiences — and interestingly they offer a degree of purchase protection. (US only for now.) The terms of the Purchase Protection were recently updated and essentially works like a purchase insurance rather than as a payment scheme chargeback. Cover is provided by New Hampshire Insurance Company and Cover Genius with Stripe providing the service as “a convenience and benefit”, in other words it’s not a legal, or scheme obligation, and could be withdrawn in the future. Any claims are administered by Cover Genius and not Stripe. This is a different model to what most people are used to with purchase protection, in which queries usually go via a card issuer. As agentic commerce grows in importance will we see third party insurance models grow in popularity? It makes sense given many of the rules around liability are not always 100% clear, and traditional routes such as chargebacks are still adapting. Also noting again that this is US only for now. The US market has much higher interchange than the UK and EU, therefore some of the transaction revenue could essentially be used to pay for an insurance model of protection — this will be much harder in the UK and EU. onelink.com/gb/protections
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Everything is competing for the same set amount of eyeball time every day 👀
a16z
@a16zOct 23
Americans' media consumption has topped out at ~25 hours a week Annual growth since 2018: - YouTube: +7.8% - Social media: +6.6% - Gaming: +2.1% - Video (non-YouTube): -0.7% - Print: -10.5% Every hour social and YouTube gain is an hour something else loses Charts of the Week: a16z.news/p/charts-of-the-we…
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Matt Jones retweeted
Nina Schick
@NinaDSchickOct 23
So let’s get this right: the most elite British troops, SAS commandos operating against terrorists, can be placed under criminal investigation for missions undertaken at the behest of their government and for the safety of their country; but actual, known ISIS terrorists can’t be deported from the UK because of their ‘human rights’? We are literally prosecuting our most elite commandos while protecting known terrorists. It’s terrorists’ rights over British citizens’ rights. For shame.
Gabriel Pogrund
@Gabriel_PogrundOct 23
EXCLUSIVE: The commanding officer of the SAS was placed under criminal investigation and referred to prosecutors over anti-ISIS mission in Syria. Unprecedented move concerned police request for classified evidence, but effort to charge him collapsed thetimes.com/uk/defence/arti…

SAS commander criminally investigated after five soldiers accused of murder

The head of the elite regiment was subject to an unprecedented inquiry by military police after five troopers were arrested over a mission in Syria

thetimes.com
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Matt Jones retweeted
Tom Harwood
@tomhfhOct 23
This is what rent control does. When it’s illegal to ration by price, you start rationing by any other means you can.
Sam Bowman
@s8mbOct 23
A friend of mine had to do a 15 minute interview about his job, income, previous rental history, etc, in order to *view* a flat. Luckily for him, he has a well-paid job, has lived in England all his life, and an impeccable rental history. I feel bad for people who don't.
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I’ve read so few books this year as I spent any free time on Claude Code instead but for what end purpose? 😂
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Imagine explaining to your ancestors that the first thing we need to do when entering a pub is to connect to the WiFi
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I went to the ballet but left during the first interval as I got so hungry but London is terrible for late night eating so I had to make do with a Chipotle 😢
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