Christina Trampota retweeted
when i left @Adyen to join @lightspark, i was fairly convinced that stablecoins would redefine fintech.
the turning point for me was seeing the gap between what modern software can do and what money movement infrastructure still looks like underneath.
companies can launch globally, serve users in dozens of markets, operate 24/7, and build incredibly sophisticated financial experiences. but the underlying rails are still fragmented, slow, expensive, country-specific, and often unavailable.
stablecoins and crypto rails more broadly were interesting because they suggested a different base layer. not a wrapper or an optimization of the old stack, but a different assumption about how value should move.
after seeing this up close at @lightspark, and spending time with customers from large financial institutions to next-gen platforms, i’m now certain. and the biggest change is utility. for years, much of crypto felt like a solution looking for a problem. that is no longer true.
platforms want to pay creators and sellers globally. marketplaces want faster settlement. fintechs want to offer dollar access in markets where local banking is limited. companies want 24/7 liquidity movement. ai-native businesses will need programmable accounts, permissions, and money movement that can operate at software speed.
these are not theoretical use cases anymore. they are real customer problems i'm hearing from customers every week. stablecoins are increasingly becoming the most practical way to solve them.
big infrastructure shifts usually happen when the old system becomes too limiting for what the next generation of applications needs to do. fax machines worked until email made them absurd. legacy financial rails worked well enough when money movement was mostly domestic and bank-led. but that's not the world we are building for anymore.
the next generation of financial services will be global, real-time, programmable, and available 24/7. the legacy system was simply not designed for that. stablecoins were.
ps. credit should go to the builders who kept pushing through the noise, cycles, skepticism, regulatory uncertainty, and failed experiments to get the industry here. lots of respect!
Christina Trampota retweeted
The abilities a high school student builds running a business or leading a team are the same ones a hiring manager scans for a decade later. Here are four soft skills AI can't replicate, and what demonstrating them looks like at every stage.
Read more: forbes.com/sites/sarahhernho…
Christina Trampota retweeted
This is a great articulation of the agentic services opportunity right now. Most areas of professional services will have AI agent opportunities that are similar in scope to when we had a SaaS buildout for every major area of work, or consumer marketplaces get built out for every category economic activity.
These are categories of work that historically have been lighter on workflow automation as most of the work deals with unstructured data, like contracts, financial records, filings, and more. These are perfect areas for agents because they can process unstructured data at scale. And each space needs domain expertise on the workflows, specialized implementation, deep context engineering, and more.
As a result of agents, some enterprises will choose to bring these capabilities in-house, new AI native services firms will emerge, and existing professional services firms will be some of the biggest customers of these tools as they will allow them to take on more business or offer more services to customers. Huge opportunity.
Christina Trampota retweeted
Life lessons from @rogerfederer (must watch)
1 Effortless is a myth
2 Belief in yourself has to be earned
3 Grit > Gift
4 Discipline is talent
5 Trust and loving the process is talent
6 You can do your best and still lose
7 Life is bigger than the court
Christina Trampota retweeted
This is the question every software company is asking themselves right now. What happens to our roadmap if an engineer can produce 2X or 5X more output.
The general direction will be roadmap expansion. Companies that just use this leverage to cut costs will be outcompeted by those that decide to do more.
As a result, this will mean we will see more competitive battles between companies, but also the expansion of many more categories since software can touch more surface area.
The limiter then becomes how rapidly your customers can actually adopt new software, how good you make that software (vs. it becomes slop because it’s so much easier), and whether you can get paid for more software or if customers’ expectations just go up over time for what they get from each vendor.
As an aside, building up a brand, ecosystem, and distribution moat ends up being critical. If software development cost per unit go down, then the new game is how you can get customers to adopt and remain sticky. GTM becomes a critical factor in all this.
Christina Trampota retweeted
Claude Cowork just KILLED manual outreach. đź’€
I used to grind for hours on LinkedIn.
Now? My AI stack does it better.
❌ No "Hey {{first_name}}" spam
âś… Natural, multi-step conversations
âś… 12+ hours saved this week
The result: 500+ conversations with human-level reply rates.
I packaged the entire system (prompts + workflow) into a FREE doc.
Want it?
Repost ♻️ (so others see it)
Comment "CLAUDE" & I'll DM you.
Christina Trampota retweeted
We've had a pretty wild new AI Agent feature that we've almost released twice, but then right as we get close, a new technical breakthrough makes the agent substantially better than before. The pace of new best practices emerging in AI is unlike anything that's happened in tech before.
The common trend is that we're all collectively figuring out the best ways to split work up between agents to enable them to do much more complicated tasks, handling vastly more information than the context window can natively support, finding the most relevant data to work with on the task, and mitigating the natural limits on the AI models.
What's amazing is that for many of these areas of improvements, you can simply decide to throw more compute at the problem at any point to unlock another tranche of performance improvement. Of course the ultimate constraint then is what someone will pay to perform the task, but it's amazing that we always have this variable at our disposal.
Christina Trampota retweeted
OpenAI and Anthropic engineers leaked these prompt techniques in internal docs.
I've been using insider knowledge from actual AI engineers for 5 months.
These 8 patterns increased my output quality by 200%.
Here's what they don't want you to know: 👇
Christina Trampota retweeted
Stablecoin issuance is unbundling. Here’s the stack:
we’re moving right → left on the diagram
from “full stack” issuers (Tether, Circle) to plug-in roles: reserves, contract operator, distributor/brand.
the hard parts don’t disappear, specialization just productizes them
platforms like @m0 enable that shift, powering parts of the stack for @moonpay, Bridge (@Stablecoin), and @1MoneyNetwork
as the stack unbundles, value shifts to whoever re-bundles the full money workflow:
• KYC/KYB + on/off-ramps
• orchestration + payouts
• cards + lend/borrow
but most value accrues above that to the owner of distribution: the brand
so you end up with 3 pockets of value:
• specialists (reserves, contracts, rails, protocols)
• bundlers (one integration, workflow ownership)
• brands (demand lives at the interface)
bundler vs brand economics are negotiated:
early, startups are price takers
later, scale buys leverage
the flip is when distribution outweighs switching costs, and that looks different for every brand and their bundle
Christina Trampota retweeted
Wharton just released a 40+ page Stablecoin Toolkit.
"Stablecoins are essential elements of the digital asset world. More broadly, stablecoins promise to bridge the gap between the traditional financial system and the blockchain realm, creating major new opportunities for innovation and effeciencies.
With the passage of the GENIUS Act in the US and other rules globally, stablecoin activity has skyrocketed. Yet the landscape of stablecoins in use today is much broader than any of them contemplates. And the stablecoin ecosystem is broader still."
🤯🤯🤯
Christina Trampota retweeted
🚨 BREAKING: Gusto just added stablecoin payouts for international contractors via ZeroHash
- 400,000+ SMBs.
- Tens of billions in annual payroll.
- Now gets Settlement in minutes, not days.
Stablecoins as an instant payouts feature for international contracts is becoming table stakes.
And that's a big market.
---
This is labor market math, not crypto hype.
Full-time independent contractors doubled in 4 years.
13.6M in 2020 → 27.7M in 2024.
11% of US small businesses now employ international contractors.
Traditional cross-border payroll takes 3-7 days.
That's a week of "payment in transit" while your contractor in Argentina waits to pay rent.
---
Zerohash powers this integration.
Same infrastructure behind Stripe's stablecoin flows, BlackRock's tokenized fund rails, and Morgan Stanley's upcoming E-Trade crypto trading.
Mastercard is reportedly circling them at $1.5-2B.
---
Tempo's docs nail why this matters for payroll:
"Businesses must either rely on slow, expensive, unpredictable cross-border transfers to pay employees directly, or first move liquidity to local subsidiaries to access domestic payment rails. Each domestic rail comes with its own rules, banking holidays, cutoff times, formats, and fees."
That's the patchwork stablecoins replace.
One ledger.
Sub-cent fees.
Seconds to settle.
---
Gusto serves mainstream small business America.
When your accountant's payroll software starts settling on blockchain rails, the infrastructure debate is over.
Stablecoins aren't replacing payroll.
They're replacing the 3-7 day settlement window that banks built for a workforce that no longer exists.
---
#Fintech #Stablecoins #Payments #FutureOfWork #GigEconomy – at Romford, London
Christina Trampota retweeted
The most stressful place to live is knowing what needs to be done and not doing it. Avoidance builds fear, teaches your brain to flinch, and allows pressure and anxiety to live. Action, even messy or imperfect, kills it. Your mind believes the behavior you repeat.
Christina Trampota retweeted
Every frontier AI lab has lost co-founder(s):
- OpenAI: 8 of 11 gone
- Thinking Machines: 3 of 6 gone
- SSI: 1 of 3 gone
- DeepMind: 1 of 3 gone
- xAI: 3 of 12 gone
One exception: Anthropic.
All 7 co-founders are still there.
Anthropic culture is worth studying.
Christina Trampota retweeted
🚨 BREAKING: Walmart-backed OnePay just went live with crypto for 150 million weekly US shoppers.
But here's what the headline misses:
- You can't actually pay with Bitcoin at checkout.
- You buy crypto in the app.
- You sell crypto in the app.
- The proceeds hit your OnePay Cash balance. - - Then you spend dollars at the register.
- The Walmart POS never sees crypto.
- It sees USD.
---
So why does this matter?
OnePay is building America's answer to WeChat.
In 2025 alone they launched:
→ High-yield savings
→ Credit cards (via Synchrony)
→ BNPL (via Klarna)
→ $35/month unlimited wireless
→ P2P payments
→ Now crypto trading (via Zero Hash)
---
OnePay is the untold story of Fintech
- They're already #5 on the App Store for finance.
- Ahead of Chase.
- Ahead of Robinhood.
- The crypto feature isn't the product.
It's the hook to get 150 million shoppers into a financial super app.
Because as good at OnePay is doing their penetrarion of potential customers is still small compared to the opportunity.
---
The real winner here? Zero Hash.
They're powering OnePay.
They're powering E-Trade's crypto rollout.
Morgan Stanley, Apollo, and Interactive Brokers all invested in their $104M round at a $1B valuation.
---
We've seen "merchants accept crypto" fail in 2014, 2016, and 2021.
This is not that
OnePay's play is smarter: they're not trying to make crypto a payment rail.
They're using crypto as an engagement feature to own the banking relationship.
That's the real story. – at Romford, London
Christina Trampota retweeted
Y Combinator-backed stablecoin "bank" Kontigo, which has links to JPMorgan Chase & Checkbook, was hacked, user funds appear to have been stolen.
English translation: "We detected an unauthorized access that affected funds of some users. Your funds are protected and any affected amount will be reimbursed by Kontigo."
Christina Trampota retweeted
A reminder from Atomic Habits:
New goals don't deliver new results. New lifestyles do. And a lifestyle is a process, not an outcome. For this reason, all of your energy should go into building better habits, not chasing better results.
Christina Trampota retweeted
“Winners quit all the time. They just quit the right stuff at the right time.”
Christina Trampota retweeted
The best CEO advice I received throughout my career:
• trust is the most important core value
• influence > authority
• agency (can do) > intelligence (IQ)
• customer service is not a department
• sales is the hardest job in any company
• customer focus > competitor focus
• always try to add value and be helpful
• show up when it matters most to your customers
• adopt a beginner’s mindset - experts are lifelong learners
• tactics drive strategy - adapt faster
• earn a seat next to your customer, not across from her
• own it and never point fingers
• learn and use people’s names
• our job is to educate and inspire
• we are all in sales
• stay accessible, curious and humble
• people do business with people they trust, respect and like
• if you are waiting for a title to lead, you are not ready to lead
• the language of business is finance
• there are no IT projects, only business projects
• pay your best people the very best you can
• hire people based on their good judgment and high rate of learning
• in a celebration lead from the back, in a crisis lead from the front
• you are not a team because you work together - you are a team because you trust, respect and care for each other
• to improve the customer experience, start with the employee experience
• you are not taller by making others look smaller
• revenue growth ahead of expenses
• remove bad apples quickly
• leave your desk and spend time with customers
• culture is what happens when the managers leave the room
• tactics drive strategy
• there is nothing more important than our customers
• if you are waiting for a better title to lead, you are not ready to lead
• business is personal - you can be decisive and also be kind, graceful and empathetic
• recognize effort but reward outcomes
• your company is only as good as the company you keep
• your brand is what people say about you when you’re not in the room
• learn to speak your customer’s language
• often remind people that their work matters
• a zero sum mindset limits your growth
• your company is only as good as the company you keep
• innovation opportunities are found at the edges, not centers (how your customers serve their customers)
