Baymaks

building

[Daniel @0xDani]

What every crypto neobank should have

Here's what I believe every crypto neobank needs to become a true everyday banking alternative

1. Core Banking
- Local IBAN in your country under your own name
- Multi-currency accounts, not just USD
- Instant incoming and outgoing transfers, including third-party transfers
- All top-up methods (Apple Pay, bank transfers, cards, crypto)
- Monthly account statements
- Business accounts
- Junior accounts
- Proper regulatory licenses where it operates

2. Reliability & Trust
- Clear country availability before registration
- Responsive customer support
- No unexpected payment declines
- Fast, reliable, and predictable performance
- Transparent fees
- Transparent cashback, if offered
- Documentation that matches the actual product
- Fast and frictionless in-app KYC (without redirecting users to third-party services)
- No hidden in-app fees for conversions, transfers, or top-ups

3. User Experience
- Clean and intuitive UX
- Clear guides and onboarding
- Demo mode before registration
- Detailed spending analytics
- Self-custody until the moment of payment (nice to have)

4. Wealth & Investing
- Yield on idle assets
- Easy-to-understand lending
- Access to stocks, ETFs, bonds, and commodities
- Multiple investment strategies
- Tax reporting assistance

5. Travel Benefits
- Airline miles
- Built-in eSIM without redirecting to third-party websites
- Built-in airport lounge access without redirecting to third-party websites
- Fast Track
- Travel insurance

6. Rewards & Lifestyle
- Gift cards
- Merchant offers and partner discounts

What features matter most to you?

What did I miss?

[Paymentscan @Paymentscan]

Neobanking Weekly Recap (Jul 13 - 19)

New ATH of $169M in stablecoin card spend volume

Top performers by WoW growth:
🥇@KoloHub - $4.555M (+82.5%)
🥈@conkarta - $16.99M (+77.2%)
🥉@TheAvaxCard - $622.4K (+70.0%)

Strong 50%+ gains from @Solayer_Pay, @itstuyo and @avici!

[Tilt Protocol @tiltprotocol]

If you can’t beat them, mirror them.

Introducing Tilt Protocol: The first automated execution layer on @RobinhoodApp L2.

We track Congressional & Insider trades and execute them for you. Instantly. 🏹

[Wajahat Mughal @Wajahat]

Tokenless Perp Markets

Below is a list with a USP about them:
@Lighter_xyz - 0 fee perp market, one of the best LP instruments with LLP + ZK clob
@extendedapp - vault tokenisation + unified margin + stock perps
@paradex - also now 0 fee perp market + perp options
@ostium - RWA perps including 100x equities
@bulktrade - Solana's answer to perps, being fast isn't enough with a focus on decentralisation
@variational_io - Trade perps on any asset with 0 fees + loss refunds
@pacifica_fi - Solana perp market completely bootstrapped with no VC funding
@VestExchange - 0 fee, 24/7 tradfi perp market
@hibachi_xyz - privacy based zk perp market
@DefxOfficial - privacy focused L1 perp market
@bulletxyz - purpose built HFT solana perp market
@etherealdex - USDe powered perp market
@edgeX_exchange - L1 focused perp market with cheaper than HL fees
@reya_xyz - shared liq margin engine + 0 fee BTC/ETH markets

I can't lie, it does feel a little saturated now, feels like everyone I speak to has been farming these for some time now too. Personally using 3-4 from the above atm.

[The DeFi Investor 🔎 @TheDeFinvestor]

Top DeFi tools I use regularly

@DefiLlama - DeFi Analytics
@DeBankDeFi - EVM portfolio tracker
@defiapp - Quick on-chain swaps
@Infinit_Labs - ChatGPT for DeFi
@Liquidity_Land - Curated LP deals
@_dexuai - CT Social Analytics
@Tokenomist_ai - Tokenomics tracker
@artemis - DeFi analytics
@getmoni_io - To find new hot projects
@tokenterminal - Fundamentals tracker
@growthepie_eth - Ethereum analytics
@Earndrop_io - Airdrop checker
@RWA_xyz - RWA analytics

Any other tools I should check out?

[FLB @flb_xyz]

Created your one stop shop for discovering perp dexes

Here is a document that I will continuously update with new projects I am interacting with and their respective links

Check it out: https://t.co/pxuednkck9

Make sure to bookmark so you can return and see new projects

Should I do something like this for the SocialFi campaigns I'm interacting with too, like @KRNL_xyz or @irys_xyz

[moneyfet1sh @moneyfet1sh]

Tier list of Perps

this ranking is based on the trading volumes of the platform

S-tier:
@HyperliquidX / @Lighter_xyz
A-tier:
@edgeX_exchange / @Aster_DEX
B-tier:
@JupiterExchange / @DriftProtocol / @OfficialApeXdex
C-tier:
@pacifica_fi / @avantisfi / @dYdX / @paradex / @MYX_Finance / @extendedapp / @reya_xyz / @GMX_IO / @grvt_io / @gains_trade
D-tier:
@ostium / @Merkle_Trade / @hibachi_xyz / @KiloEx_perp / @variational_io / @VestExchange

[Ayor @ayoresearch]

TIER LIST & PERP DEX FARMING STRATEGY – 1% PROFIT PER DAY + POINTS

(yea 1% per day, no joke)

It’s been a while since I did a good big farming thread to push the giga-lazy people (you) to farm like pigs 🐷

And since HL, most perps that TGE are a big win for farmers (MYX, Aster, Avantis…), so LETSGO.

----

WE’RE GOING TO START BY PRESENTING THE PERPS, THEN I’LL SHOW YOU 5 STRATEGIES, INCLUDING MY STRATEGY TO FARM DELTA NEUTRAL WHILE MAKING GAINS, ABOUT +/- 1% PER DAY NOT COUNTING POINTS (number 4).

NOTE: I’m diluting myself by sharing this strat, so please use my referrals in 2nd tweet, you’ll also pay less fees and make me rich 🫡

NOTE 2: 1% per day is strategy n°4, scroll down if you only want to read that.

----

A) PERPS TIER LIST 📈

1) HYPERLIQUID

Really need an introduction?

There’s currently +/- $25B to drop (42% of supply), no need to elaborate.

Best farming strats right now are:

- The classic Hyperliquid
- The builder codes (different interface but pulls HL liquidity) called Based App, which generates +/- $400k of fees per day (backed by Ethena).

A bit more fees on Based, but you farm XP that will be used for their token + tokens from partner ecosystems (like Upheaval).

2) HEAVILY CODED

These are the ones very likely to pay, and where latecomers will bite their fingers:

🕯 LIGHTER: top 2 perp, grabbing nearly 1/3 of HL daily volume.

-> Points went from $10 OTC to $33 each
-> They removed trading fees (yes, that attracts people)
-> +/- 1 point per $70k volume (leverage included, as usual)
-> 250k points distributed weekly, with 10M max and rumors of 30–40% airdrop

Close beta is almost over, right now you need a code to join (dm me only if multi millions volume please, fock poors).

🦔 PARADEX: perp from Paradigm, the derivatives giant.

-> Huge cabal behind the project (ego pumps)
-> Deep liquidity and now 0 fees
-> They want to really compete with HL with spot launching soon
-> Privacy angle (against HL)

We’re currently in S2, it’s open, everyone can join.
(link in 2nd tweet)

3) CODED

🟢 Extended: perp on Starknet (lmfao)

-> Airdrop already announced: 30%
-> Extremely underfarmed, points are easy to get
-> Extended will add lending/borrowing and collateral vaults
-> Gaining traction among HL OGs
-> Founder very active on X, ex-Revolut
-> 1.2M points per week

Cost per point around $0.2. Currently +/- 25M points, projection 100M points (bearish), $200M FDV, 30% airdrop = $0.6 per point, already a x3.
(link 2nd tweet)

🔺 EdgeX: top perp in the Asian community (top 3 in volume).

-> Asians are heavy degens who pump their own bags
-> Top 3 volume

Not the best UX, but it’s growing fast so I’ll secure some volume.
(dm for link)

4) COOKING 👨‍🍳

🔥 Hibachi: not the best UX/UI imo, but there’s hype and it'seasy to get points. Still very early, no vaults yet.

-> Building with privacy
-> Raised $5M, followed by Arc (Circle’s VC arm)
-> 1M pts weekly
-> One point box per $10k volume

(link 2nd tweet)

🧥 Vest Exchange: I like this one, really building differently with tons of asset choices beyond crypto.

-> They launch IPOs on day 1, nice for shorting stock garbage.

(link 2nd tweet)

5) EARLY 🚨

🌊 Pacifica: growing fast.

-> Only 3rd week of points
-> 500k pts weekly with only 5k wallets now
-> Already top 10 perps, ahead of some bigger ones
-> Private, needs a code
-> On Solana

(dm for code, private atm)

🏹 Ranger: Solana perp aggregator.

-> Aggregates perps like Jumper does with swaps/bridges, so you farm the underlying too, it’s a 2-in-1
-> Just starting to be shilled by CT airdrop diggers (not the big guys yet)

(link 2nd tweet)

6) THE CABAL 🔫

👃 Vooi: perp aggregator backed by Bibi aka CZ mafia.

-> Same as Ranger but on EVM, backed by Binance.
Theory: pump it like Aster.

(link 2nd tweet)

----

OK NOW THE DIFFERENT STRATEGIES:

1️⃣ Turbo degen gambler, no time wasted

- Send USD > open random max leverage trades long/short > wait 2–3 seconds > close hoping a candle didn’t wipe out your kids’ inheritance.

➕ Big volume, fast
➖ Sybil risk
➖ Dangerous if market moves against you hard

2️⃣ Classic delta neutral

-> Long 1 ETH on one perp
-> Short 1 ETH on another

Doesn’t matter if it goes up or down, you keep your base money. Useful for working stablecoins without stress.

3️⃣ Funding rate farming

-> Funding rates are fees majority traders (longs or shorts) pay to minority traders.

-> Across perps they differ, so you can get paid on both sides with a delta neutral.

-> Less volume because you hold trades longer, but APR can go >100% in stables.

Pro here is @ilyessghz2, he even made a site for it, GG to him (2nd tweet)

4️⃣ My method, the CHAD method

Often prices aren’t updated instantly during moves.

Example: BTC at $117,100 on Paradex, $117,200 on Lighter.

So:

-> Long the lower price
-> Short the higher price
-> Set identical TP/SL price on both sides

90% of the time, prices converge, so you farm delta neutral + eat arbitrage.

⚠️ Warning: I said 90%. If your TP is $117,050, Paradex might wick lower due to a random trader, while Lighter only dips to $117,058 before bouncing. So this method requires vigilance.

5️⃣ Be a good trader... Sorry, can’t help you here.

----

FINAL WORD

Perps have always been good yield (except LogX lol) and hype is strong now. Unless turbo bear, I don’t see most of the list not at least covering fees.

For any questions, just DM me, I’ll be happy to answer.

Gl Hf

ANOTHER FINAL WORD

Take my refs in 2nd tweet pls you jackals.

[Baymaks @Baymaks5]

@0xzak That’s crazy 🤯 sad this happened to you. But thank you for the heads up! This might save a lot of developers in the future.

Do you think this extension was able to read .env files from other workspaces on the same computer?
Did this extension read any other files?
Thank you

[Baymaks @Baymaks5]

@PaulFrambot Definitely think that morpho’s smart contracts should be a benchmark 👍🏻 when I first saw it - I thought, omg not a single nonreentrant modifier. But turns out, when a good team knows exactly what to do - you don’t need them 😉

[Steven @StevenCravotta]

I built an app, hit $44K MRR, and sold it.

Here’s the exact tool stack to scale without a big team:

[Baymaks @Baymaks5]

@phtevenstrong @solana @RateX_Dex Sorry, didn’t fully get. So it’s better to hold JLP rather than going long on YT on ratex? Or opposite?

[CJ Zafir @cjzafir]

After completing 35 projects with AI,

I'm convinced about these AI coding tools:

@cursor_ai → Best AI coding IDE
@CodeGuidedev → Best for AI coding documents
@boltdotnew → Best for beginners & micro SaaS
@Lovable → Best for modern design landing pages
@v0 → Best for designing UI components
@Replit → Best for coding mobile apps on mobile

Infrastructure:
@supabase → Best for database & storage
@clerk → Best for user authentication
@stripe → Best for SaaS payments
@vercel → Best for hosting SaaS

AI APIs:
@OpenAI → GPT4o + o3-mini: best for AI generation
@AnthropicAI → Claude Sonnet 3.5: Best for coding
@GoogleDeepMind → Gemini Flash 2: Best Multimodal
@deepseek_ai → Deepseek r1: Best open source model

You can build your dream project with these tools. You can!

Just get started. This window of building software is shrinking with every passing week.

Soon, Agents will be coding SaaS and other Agents.

If this goes well, I'll write about how to "Market your SaaS" in next post.

[Virtuals Protocol @virtuals_io]

Virtuals is Expanding to @solana!

We are beyond excited to announce Virtuals' expansion to Solana, marking a significant step in our journey to empower builders and drive innovation across multiple ecosystems. Solana, known for its speed, scalability, and vibrant community, is the perfect place for us to grow and bring our vision to life.

Here’s what this means for the Virtuals Nation:

🔹Meteora Pool Launch: We’re introducing our very own Meteora Pool on Solana, opening up new opportunities for trading and engagement.

🔹Strategic SOL Reserve (SSR): 1% of trading fees will be converted to SOL, creating a dedicated reserve to support and reward agents and creators within our ecosystem.

🔹Base Pair Consistency: The AGENT/VIRTUAL trading pair you know and love will remain consistent on Solana, ensuring a seamless user experience.

But we’re not stopping there. We’re doubling down on our commitment to empower builders and creators in the Base and Solana ecosystem with the launch of our Venture Partner Model:

🔷Grants of 42K $VIRTUAL tokens for projects based on Base and Solana. This initiative is designed to help early-stage builders get on their feet and scale their ideas.

To further inspire innovation, we’re hosting the Virtuals AI Hackathon this March, with technical support and mentorship provided by the @SolanaFndn. This event will bring together some of the brightest minds in the space to build, collaborate, and create groundbreaking solutions.

Virtuals joining the Solana ecosystem is not just an expansion—it’s the beginning of a new chapter. We’re here to create value, empower builders, and grow the Virtuals Nation to new heights.

A special shoutout to the incredible teams at @JupiterExchange and @LayerZero_Core, who worked tirelessly with us day and night to make this expansion a reality. Your dedication and collaboration were instrumental in bringing Virtuals to Solana, and we couldn’t have done it without you.

The future is multichain, and we’re leading the charge. Let’s build the future together.

[Stephen | DeFi Dojo @phtevenstrong]

Some Farmers Hate Leverage,

today's thread is for them

Best NO-LEVERAGE Stablecoin Yields🧵👇

[Poopman (💩🧱✨) @poopmandefi]

25 Early AI x DeFi Projects For 2025 (With Tickers)

Solana Ecosystem:

• @griffaindotcom - Abstraction / Trading friendly AI supported by SOL foundation - $GRIFFAIN ($431M)

• @askthehive_ai - Defi agents aggregator and toolkits - $BUZZ ($37M)

• @ASYM41b07 - Memecoin price prediction AI - $ASYM ($22M)

• @trustInWeb3 - Agents that monitor the health of loans, along with vault services - $T3AI ($4.2M)

• @alrisagent - Yield optimisation agent - $ALR ($4.5M)

• @ProjectPlutus_ - Portfolio management AI, your ai agent fund manager basically - $PPCOIN ($7.7M)

• @tri_sigma_ - AI that push out Market insights and analysis - $TRISIG ($60M)

• @lexiconinfra - Extension for embedding agents into dApps, Ex-hackthon winners - $lexicon ($13M)

• @neur_sh - Abstraction / Trading friendly AI , ppl call them AI copilot - $NEUR ($28.4M)

🟠 Upcoming Solana AI x DeFi without CA.

• @Ensofi_xyz - Agent that detects and find the best yielding opportunity onchain

• @cleopetrafun - AI for LP management

• @lendaonchain - Agent to maximize your stablecoin lending profit

• @get_nimbus - AI-powered assists for finding the best yield farming opporunity.

• @SimplyFidotFun - Model and simulate pre-planned tokenomics with AI

• @glamsystems - Programmable AI for portfolio management

• @whojuicin - Copy trade your favourite celebrity

EVM Ecosystem:

• @aixbt_agent - Info AI on @virtuals_io that push out market insights by aggregate kol opinions - $Aixbt ($487M)

• @Vader_AI_ - AI powered onchain asset manager by @VaderResearch , the crypto “blackrock" - $vader ($100M)

• @Spectral_Labs - Abstraction AI for better trading experience + launchpad in v2 - $spec on base ($154M)

• @autonolas - AI launchpad and framework providers - $OLAS ($100M)

• @Mozaic_Fi - AI powered yield optimisation vault - $MOZ ($1.7M)

• @SturdyFinance - AI-powered yield bearing vaults - $STRUDY ($37M)

• @modenetwork - AI x DeFi focus L2 in the superchain ecosystem, building the AI "appstore" - $Mode ($400M)

EVM AI x DeFi without CA yet.

• @getaxal - Toolkit to build verifiable agents, including defi agents.

• @0xARMAgeddon - Agent that earn yield with USDC on mode network , powered by @gizatechxyz

• @aisweatshop - AI launchpad on Arbitrum - No native token yet.

Disclaimer ⚠️*
I do not endorse any of the project above and this post is for educational purpose.

Since this is an early exploration, If I have missed any of the ai x defi project, please let me know in the comment session below.

[hitesh.eth @hmalviya9]

now you could track all tokens shilled by @aixbt_agent on a single dashboard.

total tokens shilled: 408
the current win rate: 41%

avg return: 13.08%

dashboard link in the comment.

[Chandan @chandan1_]

15+ AI Agent Launchpads

@virtuals_io - No-code AI Launchpad with LLP context for quick agent deployment
@vvaifudotfun - AI Agent platform on Solana for creators & traders
@CryptoEternalAI - Cryptographically secure AI models as smart contracts
@vaporwarefun - No-code AI agent platform built on Eliza framework
@holoworldai - Create & deploy AI-powered 3D characters
@myshell_ai - Zero-code AI app platform with unified tools
@meedotfun - Platform for autonomous AI agents (no token)
@creatorbid - Hub for AI creator economy
@SolarisAI_fun - Universal deployment with no-code builder
@AigentFi - AI agent launcher on zkSync
@swarmnode - Deploy serverless AI agents with Python SDK
@clanker - Autonomous agent for token deployment on Base
@crestalnetwork - No-code platform with performance-based pricing
@Spectral_Labs - Pioneering onchain agent economy

https://t.co/XfHtBTh8uS

[Sajad 💫 @SajadFlips]

AI Agents are exploding but the KEY is identifying winners early...

Here are the scanning websites I use (that nobody talks about)

[Vader @Vader_AI_]

The elite of AI-driven tokens are here:

• $GOAT | $827M Mcap | @truth_terminal
• $ACT | $504M Mcap
• $ai16z | $412M Mcap | @ai16zvc
• $ZEREBRO | $369M Mcap | @0xzerebro
• $AIXBT | $259M Mcap | @aixbt_agent
• $BULLY | $132M Mcap | @dolos_diary
• $LUNA | $74M Mcap | @luna_virtuals
• $vvaifu | $60M Mcap | @dasha_terminal
• $AVA | $46M Mcap | @AVA_holo
• $VADER | $44M Mcap | @Vader_AI_
• $AVB | $43M Mcap | @chad_onchain
• $UBC | $40M Mcap | @UBC4ai
• $SEKOIA | $33M Mcap | @sekoia_virtuals
• $ELIZA | $31M Mcap | @ai16zeliza
• $CHAOS | $30M Mcap | @divinediarrhea
• $SAINT | $24M Mcap | @SaintAI_Bot
• $degenai | $20M Mcap | @degenspartanai
• $LOLA | $17M Mcap | @lola_onchain
• $CENTS | $16M Mcap | @centienceio

Align with $VADER and embrace a destiny of unmatched strength. The choice is yours.