995449
Alex Garcia
@alexgarcia #995449
Scaling Fintech, Web3 & AI Companies | @Emagine Ventures | Prev. @MoonPay
1830 Follower 68 Following
Crypto consumer apps are finally solving real problems, not just fuelling speculation.
OnchainHQ latest research shows crypto payments are now the most adopted use case, outpacing NFTs, gaming, and DeFi.
Whats really interesting is that finance is not being reinvented but actually reprogrammed. Web3 fintech isn’t about UX on old rails but rather a new logic layer where the infrastructure is the product.
Yield-bearing balances, programmable spending, and composable DeFi are the primitives.
Neobanks for instance made TradFi feel modern. Web3 makes it modular, programmable, and borderless.
https://onchain.org/research/crypto-apps-for-consumers-are-here-to-stay/chapter/2/
OnchainHQ latest research shows crypto payments are now the most adopted use case, outpacing NFTs, gaming, and DeFi.
Whats really interesting is that finance is not being reinvented but actually reprogrammed. Web3 fintech isn’t about UX on old rails but rather a new logic layer where the infrastructure is the product.
Yield-bearing balances, programmable spending, and composable DeFi are the primitives.
Neobanks for instance made TradFi feel modern. Web3 makes it modular, programmable, and borderless.
https://onchain.org/research/crypto-apps-for-consumers-are-here-to-stay/chapter/2/
Ethereum has captured just 0.01% of the world’s value so far
Developer activity
Crypto VC investments has been accelerating this year
Another fun fact: Despite being a street circuit, Jeddah is so fast that it has one of the highest average speeds of the entire F1 calendar — even faster than Silverstone.
In 2021, during qualifying, Valtteri Bottas clocked over 344 km/h (214 mph) — that’s fighter jet territory for a street circuit.
In 2021, during qualifying, Valtteri Bottas clocked over 344 km/h (214 mph) — that’s fighter jet territory for a street circuit.
Locked in for tomorrow’s race?🏎️🏎️
Fun fact: The Jeddah Corniche Circuit holds the record for the most corners on any F1 track — 27 in total — but many of them are so fast and flowing that drivers barely notice them.
Fun fact: The Jeddah Corniche Circuit holds the record for the most corners on any F1 track — 27 in total — but many of them are so fast and flowing that drivers barely notice them.
Stablecoin transaction volume has surpassed Visa's payment volume for the first time in 2024.
Stablecoin market cap has surpassed $233 billion
Stablecoin transaction value in 2024 reached $𝟭𝟱.𝟲 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻, overtaking traditional payment firms Mastercard and Visa by more than 100%
Polygon jumps to second place in RWA adoption
Wondering if a simple due diligence tool would be useful for founders, early stage investors, Angels 🤔
Drop in a startup’s website (and maybe a deck), get back an overview or memo + score (problem, team, traction, etc).
Would founders/investors here find this useful?
a) For vetting others to partner / invest
b) To pressure-test their own startups?
Drop in a startup’s website (and maybe a deck), get back an overview or memo + score (problem, team, traction, etc).
Would founders/investors here find this useful?
a) For vetting others to partner / invest
b) To pressure-test their own startups?
Companies continue to accumulate Bitcoin.
There’s a clear long-term trend toward decentralization in lending, with users increasingly trusting protocols over centralized institutions.
You know AI is going mainstream when most of the 70+ year-olds I meet are already using ChatGPT daily. We’re accelerating fast.
Google Sheets just got an AI upgrade, turning it from a spreadsheet tool into a decision-making engine.
Now you can:
• Summarise messy data in seconds
• Auto-tag sentiment in feedback
• Draft emails from raw inputs
• Spot trends without digging
All with a simple formula: =AI("your prompt", range)
Now you can:
• Summarise messy data in seconds
• Auto-tag sentiment in feedback
• Draft emails from raw inputs
• Spot trends without digging
All with a simple formula: =AI("your prompt", range)
Decentralized Physical AI Infrastructure Stack (DePAI)—a blueprint for how AI agents, robots, and decentralised compute will work together in the physical world.
It’s essentially the “backend” of robotic autonomy at scale.
Key Layers:
1. Data Collection → Aggregation → LLM Training
• Real-world data is aggregated and used to train Physical AI Agents—LLMs tailored for real-world tasks.
2. Decentralized Compute
• Compute from Web2 or decentralised sources powers these agents.
3. Agents Control Physical Machines
• AI agents get deployed to robots/machines that can act autonomously.
4. Spatial & Machine Coordination
• Gives machines awareness of their surroundings and allow them to transact and communicate
We’re witnessing the birth of a real-world AI economy where:
• Drones, delivery bots, robots, and autonomous vehicles act as independent agents.
• Are trained on decentralised data.
• Powered by decentralised compute.
• Coordinated through spatial maps and smart contracts.
It’s essentially the “backend” of robotic autonomy at scale.
Key Layers:
1. Data Collection → Aggregation → LLM Training
• Real-world data is aggregated and used to train Physical AI Agents—LLMs tailored for real-world tasks.
2. Decentralized Compute
• Compute from Web2 or decentralised sources powers these agents.
3. Agents Control Physical Machines
• AI agents get deployed to robots/machines that can act autonomously.
4. Spatial & Machine Coordination
• Gives machines awareness of their surroundings and allow them to transact and communicate
We’re witnessing the birth of a real-world AI economy where:
• Drones, delivery bots, robots, and autonomous vehicles act as independent agents.
• Are trained on decentralised data.
• Powered by decentralised compute.
• Coordinated through spatial maps and smart contracts.
Some LLMs are now able to effectively diagnose 80% of the time.
Medicine is one key area where AI will positively impact the most lives.
Medicine is one key area where AI will positively impact the most lives.
RWA are one of the only sectors with consistent growth alongside stablecoins.
By 2033, tokenized RWAs are projected to hit $18.9 trillion, that’s a 30x jump from today.
TradFi giants are moving full asset classes on-chain:
• Fixed income, equities, real estate
• Deposits, derivatives, stablecoins
• Even healthcare, fashion and pharma
TradFi giants are moving full asset classes on-chain:
• Fixed income, equities, real estate
• Deposits, derivatives, stablecoins
• Even healthcare, fashion and pharma
The acceleration in AI is such that if you're not redesigning your org around AI-native workflows, you're just playing catchup.
So many builders!🔥 This ecosystem is booming
What a time to be alive. It’s so exciting! Imagine the future in only 5 or 10 years from now
Another one for Ethereum as it’s ecosystem keeps growing
👉 10M+ weekly active addresses
👉 L2 dominance near all-time highs
👉 Real adoption scaling fast
👉 10M+ weekly active addresses
👉 L2 dominance near all-time highs
👉 Real adoption scaling fast
Stablecoin payments are exploding and virtually all stablecoin payment volume now happens on Ethereum and its L2 ecosystem like Arbitrum, Base, Optimism, and Polygon.