Jeremy Light

co-founder Fourdotzero a micropayment network for next generation payments. Independent thinker, value critical analysis

[Greg Pote @Greg_Pote]

At #NGP2026, @JeremyLight3 discusses evidence so far for the product-market fit of stablecoins, CBDCs, and tokenised deposits, in retail payments. Learn how stablecoins, CBDCs, and deposit tokens might remodel payments in Asia: 2-3 Feb, Manila https://t.co/OuCpG2KvZN

[Jeremy Light @JeremyLight3]

@jbhearn 30

[Jeremy Light @JeremyLight3]

49 countries + euro zone ranked by real-time payments per capita
https://t.co/rzFSnztTk6

#realtime #payments

[Pan-African Payment And Settlement System - PAPSS @papss_africa]

🇬🇭✨ @Onafriq - @papss_africa Official Launch ✨🌍
We are thrilled to share the highlights from the official launch event of the innovative cross-border payment service by Onafriq and PAPSS, held last week in Accra, Ghana.

The event was a resounding success, featuring insightful discussions and presentations.
Our CEO, Mike Ogbalu III, delivered a compelling speech, emphasizing the transformative journey towards seamless financial transactions across the African continent.

Thank you to everyone who attended and contributed to making this event a success.
#PAPSS #Onafriq #CrossBorderPayments #FinancialInnovation

[Pan-African Payment And Settlement System - PAPSS @papss_africa]

📢 PRESS RELEASE: @papss_africa & Interstellar Inc launch PAPSS African Currency Marketplace

Pan-African Payment & Settlement System - PAPSS, in collaboration with Interstellar Inc. has launched the PAPSS African Currency Marketplace (PACM) — a bold step toward a borderless African economy.

Marketplace empowers businesses with real-time, cheaper and more transparent currency exchange, accelerating the African Continental Free Trade Area (AfCFTA) vision.

🔗 Full press release here: https://t.co/OY58Tsut4B

For more information on marketplace, visit https://t.co/42QAdzmzcr

#PAPSS #PACM #AfCFTA #AfricaTrade #CurrencyExchange #payment #Africa #crossborderpayment

[Finextra @Finextra]

Pan-African card scheme launches https://t.co/HhvxsN69zb

[Mike Chambers @_mike_chambers_]

So Young: M-PESA's 18th birthday - a guest blog by Jeremy Light https://t.co/xHL1PsGfqP

[Jeremy Light @JeremyLight3]

https://t.co/imG0HF7lYg

[Jeremy Light @JeremyLight3]

All commercial bank deposits are created as credit.

Forget tokenised deposits, stable coins and CBDCs - to support today’s monetary system new forms of digital money should be based on tokenised commercial bank credit.
#digitalmoney

[Jeremy Light @JeremyLight3]

All commercial bank deposits are created as credit.

Forget tokenised deposits, stable coins and CBDCs - to support today’s monetary system new forms of digital money should be based on tokenised commercial bank credit.
#digitalmoney

[Charlie Morris @AtlasPulse]

Remarkable how U.K. IPO market has dried up. Tragic.

[Jeremy Light @JeremyLight3]

@MartinSLewis This is scaremongering - cards are prone to fraud and need a chargeback process. Pay by bank is far more secure as the payer authorises payment with bank security.

73% of e-commerce in NL is paid using PbB (iDeal) and has been for 20years with no chargeback process.

[Daniel Lacalle Official Account @dlacalle_IA]

The European Commission prefers to Make Bureaucracy Great Again and Again and Again.

[ByteTree @ByteTree]

Learn more about debts and deficits in our recent update by @AtlasPulse https://t.co/Rwgp94tOQZ

[ByteTree @ByteTree]

Last year, the UK government raised £1.1 trillion from taxes but spent £1.22 trillion. The taxes mainly come from income tax, national insurance, VAT, and corporation tax. Most of the spending goes to health, pensions, social security, education, and defence.

The difference between what the government receives and what it spends is the surplus or the deficit. In 2024, the UK spent more than it received, and so there was a £122 billion deficit. In Switzerland, the government spent less than it received and had a modest budget surplus.

If a government has deficits year after year, they soon add up. The UK now has a national debt of £2.8 trillion, which is often shown as a percentage of the economy. The UK GDP was roughly £2.54 trillion last year, so the debt has grown to a size that is slightly larger than the economy.

[Jeremy Light @JeremyLight3]

stablecoins - almost exclusively USD, have driven crypto trading which in turn has driven stablecoin usage.

This usage is flowing into retail, which will grow and grow.
#stablecoins #retailpayments #wholesalepayments

https://t.co/XEIgOnibmf

[Fourdotpay @fourdotpay]

Happy #Content #Christmas!
The #UK will spend £680m on #Subscriptions, almost 12 million subscriptions, this festive season.
How much would that be if you could apply pay-per-use?
Learn more: https://t.co/WYu5VQq9T7
#FourDotPay #4DotPays #ContentCreator #CreatorEconomy #Creators

[David Turver @7Kiwi]

If renewables were cheaper, they wouldn't need over £11bn in subsidies every year, £2.5bn on grid balancing, £1bn rising to £4bn on the capacity market, nor >£10bn/yr spending to expand the grid.

[David Turver @7Kiwi]

Energy Ombudsman welcomes electricity bills going through the roof. The organs of the state are broken.

[Jeremy Light @JeremyLight3]

@John_Stepek @MerrynSW @FT @timesscotland The govt wants digital id to track & control the population. You can see it lurking in every initiative such as the National Payments Vision.

The digital id we need is for politicians and bureaucrats for the public to track & control their moves, decisions, spending & cronies.

[Jeremy Light @JeremyLight3]

@s_ketharaman The U.K. has 3.5GW battery capacity .v. 50GW needed. UK electricity prices have tripled in the past four years and will probably triple again if this capacity and the associated renewables are built

[Jeremy Light @JeremyLight3]

I have always wondered how my electricity supplier claims it supplies 100% green electricity when a. None can be generated on a night with no wind b. The national grid takes supplies from all sources with no way to filter green supplies to homes

It’s just egregious greenwashing

[Donald Pond @DonaldPond6]

Superb thread explaining how, if you are on a "green" electricity tariff, what that means is NOT that your electricity comes from renewable sources, but that the provider has bought a financial instrument that permits them to say it does. Much like the church selling indulgences.