Ian Horne

Author: Why DeFi Matters
Writer, Event MC, interviewer, consultant: / Personal Finance / Fintech

[Midnight @MidnightNtwrk]

Privacy isn’t binary. It’s contextual.

Rational privacy means knowing when transparency builds trust, when disclosure is required, and when privacy should be the default. The real challenge is applying the right balance at the right moment.

In the latest episode of #Unshielded, Ian Horne explores how this thinking is shaping the next phase of Web3 and financial infrastructure.

Listen now 👇
https://t.co/tAZyh11lDp

[Midnight @MidnightNtwrk]

Privacy tech doesn’t succeed on cryptography alone.
It succeeds on trust.

At the Midnight Summit, one theme kept resurfacing:
If we want better online privacy, people need to trust the systems delivering it.

And trust isn’t abstract. It’s built through clear UX, intuitive design, and plain language that explains value without drowning users in jargon.

We dig into this in the latest episode of Unshielded with @IanHorne_ .

🎧 Listen now: https://t.co/gEjPPeMPDj

[Ian Horne @IanHorne_]

Privacy is the next branch for the crypto Civ tree.

I lost days to that game as a kid. Loved this point from @mert at Monday's @MidnightNtwrk Summit session w/ @BrendanEich , @zooko & @ilblackdragon (@CoinDesk) .

Also, welcome to my Masterclass in nodding.

[CoinDesk @CoinDesk]

🗣️ At @MidnightNtwrk Summit 2025, @mert (alongside @BrendanEich, @zooko, and @ilblackdragon) explained crypto's "Civilization tech tree": Bitcoin solved legitimacy, Ethereum/Solana brought programmability/scale, but the privacy branch remains underdeveloped

[CoinDesk @CoinDesk]

🗣️ At @MidnightNtwrk Summit 2025, @mert (alongside @BrendanEich, @zooko, and @ilblackdragon) explained crypto's "Civilization tech tree": Bitcoin solved legitimacy, Ethereum/Solana brought programmability/scale, but the privacy branch remains underdeveloped

[Ian Horne @IanHorne_]

JP. Morgan planning to allow Bitcoin and Ether as collateral for loans. Once unthinkable, now happening: https://t.co/vnwox1OxnU

Only extending to institutional clients in current plans, but the direction of movement seems clear.

[Zebu Live @Zebu_live]

POV - You were in the crowd for Zebu Live day 2

[Fahmi S. @F_ZK_Now]

Looking forward to @fintechfringe next week.

I’ll be on the main stage with Mark Williamson (@HSBC) and @IanHorne_ to talk about the intersection of TradFi and DeFi — and whether the future of finance is truly tokenized.

See you there. 👋
Oct 20 | 9:35am

[Ian Horne @IanHorne_]

@TheCryptoLark Not feeling as concerned about today's dip. 5 year chart, for scale. Can imagine that OGs and whales took a hit, but how many are actually 'zeroed' from this?

[Ian Horne @IanHorne_]

Excited to speak at @Zebu_live, where I'll interview a range of #Web3 innovators.

The last time I attended, I'd just written Why DeFi Matters, and a few people were still telling me that #crypto and #blockchain were a fad. Awesome to see this event and industry thriving.

[Ian Horne @IanHorne_]

Long read: Is crypto a Ponzi scheme?: https://t.co/ZH3cS9DJtx

BTC is hitting all-time-highs and altcoin season could be coming. This is a deep dive to cover the questions you'll hear from sceptics.

[Zebu Live @Zebu_live]

There aren't many things that can stop you scrolling
Apart from seeing who you will be hearing from at Zebu Live👇

[Xapo Bank @xapobankapp]

Inflation is eating into savings worldwide. Some say #Bitcoin is the ultimate hedge, others see it as too volatile.

How do you view Bitcoin in your portfolio?

[Ian Horne @IanHorne_]

@DrIainWood We're doing lots to counter this at @xapobankapp. Definitely a major threat, and I'd be worried for any custodian not taking it seriously. Here's a recent piece we produced on this: https://t.co/PnY3sRJHrl

[Xapo Bank @xapobankapp]

🎙️ Xapo Talks is back this week with 'How to make Bitcoin a mainstream payment method'

Special guest Carel van Wyk @carelvwyk, CEO, @MoneyBadgerPay, alongside Anton @airibozov Xapo Bank Product Manager, and our host Head of Content Ian Horne @IanHorne_

Join us on Sept 24 for our next X Spaces AMA.

🗓️ 5PM UK | 4PM CET | 6PM SAST

Got questions? Drop them in the comments, we’ll answer them live! Share your thoughts and join the conversation with the Xapo Bank team

🔗 Set a reminder: https://t.co/8XgTBnKd4j

#Bitcoin #XapoTalks #XapoEvent

[Ian Horne @IanHorne_]

🎙️Stablecoins are changing global payments. Want to know how?

Check out this chat with @BVNKFinance's Simon Griffin, & @xapobankapp's very own @airibozov.

https://t.co/YeFhnHKMLA

Interesting points made on the future of money & the role of Bitcoin.

#Stablecoins #Bitcoin

[Xapo Bank @xapobankapp]

Reminder 📆

Our next #XapoTalks is live in 1 hour!

Wed 27 Aug, 3PM UK | 14:00 UTC.

We’re joined by BVNK for The #Stablecoin Session with:

🎙️ Ian Horne @IanHorne_ (Xapo Bank)
💡 Simon Griffin CPO, @BVNKFinance)
🔑 Anton Iribozov @airibozov (PM, Xapo Bank)

➡️ https://t.co/ArnZSVrJTk

#XapoBank #XapoEvent

[Xapo Bank @xapobankapp]

📢 Next #XapoTalks is live on Wed 27 Aug, 3PM UK | 14:00 UTC.

We’re joined by BVNK for The #Stablecoin Session with:

🎙️ Ian Horne @IanHorne_ (Xapo Bank)
💡 Simon Griffin CPO, @BVNKFinance)
🔑 Anton Iribozov @airibozov (PM, Xapo Bank)

Set your reminders 👇
https://t.co/ArnZSVrJTk

#XapoBank #XapoEvent

[BVNK @BVNKFinance]

BVNK now powers @xapobankapp stablecoin deposits!

Our infrastructure enables Xapo to receive stablecoins from members, while they handle USD settlement in their regulated environment.

Result? Bank accounts fundable in seconds from anywhere.

[Ian Horne @IanHorne_]

Bitcoin at $112k. Let's put that into perspective.

As the post says: when in doubt, zoom out.

[Xapo Bank @xapobankapp]

📉 $BTC pullback? Or just part of the cycle.

This week, #Bitcoin slipped from ~$120K ATHs to the low of ~$110Ks, and headlines are hyping the “volatility.”

But zoom out:

📍 1 year ago: ~$60K → still 2x higher today.
📍 Every cycle has pullbacks before the next leg.
📍 Dips = a chance to stack cheaper sats.

As @100trillionUSD always says, when in doubt: zoom out.

👉 Read more: https://t.co/ycEOfv7giY

[Xapo Bank @xapobankapp]

📉 $BTC pullback? Or just part of the cycle.

This week, #Bitcoin slipped from ~$120K ATHs to the low of ~$110Ks, and headlines are hyping the “volatility.”

But zoom out:

📍 1 year ago: ~$60K → still 2x higher today.
📍 Every cycle has pullbacks before the next leg.
📍 Dips = a chance to stack cheaper sats.

As @100trillionUSD always says, when in doubt: zoom out.

👉 Read more: https://t.co/ycEOfv7giY