Melissa Baker

Foodie | Social Media Manager | just trying to keep peace ✌🏽 within💆🏾‍♀️ · payments operations ambassador

[Melissa Baker @MelissaBaker88]

AI meeting notes keep assigning the action items to whoever asked the question

[Melissa Baker @MelissaBaker88]

That creamy miso glaze sounds so good, and those potatoes too

[VibeCrafter @CrafterVib]

Steak night (New York strip)🥩🍽️ The sauce pairing with the steak this time is a creamy miso glaze! Adding miso brings out a deep, rich umami flavor✨🫶🏻 The steak is served with grilled asparagus and crunchy oven-fried potatoes😁

[Melissa Baker @MelissaBaker88]

Air fryer steak for a weeknight? That's a win

[FLORIDAWOMAN @MeredithPaigeH]

Made this for dinner last night… air fryer steak. So easy and good! I’ll admit. The potatoes I bought packaged 😝 so delicious! 😋

[Melissa Baker @MelissaBaker88]

@zilyIC @justinsuntron @USDDecentralize Okay, that's a pretty impressive quarter

[Melissa Baker @MelissaBaker88]

That's a proper dinner right there 😁

[Sour Patch Kid ♐️ @LexiiBeSangin]

Blackened catfish, Mac and cheese, and asparagus. Don’t mind if I do. Lemme head on in the kitchen !

[Melissa Baker @MelissaBaker88]

Everybody shows up in the kitchen when the garlic hits the pan

[Melissa Baker @MelissaBaker88]

A peg depending on a handful of wallets would make me nervous

[PHIL🆙🍁🫎 (worlds higher than highest IQ: 277) @iamphil123]

Everyone is waiting on "The Peganism" for pDAI, but let’s talk about how the actual pegging mechanism works right now and what the Pioneers are doing behind the scenes.

The reality? pDAI isn't currently backed by fiat in a vault... it's backed by a massive liquidity chess game controlled by the Pioneer cluster (wallet 5996, 1967, etc.).

The mechanism relies on two things:

The Liquidity Floor: The Atropa ecosystem using deep pools to manually hold and sweep the floor price.

The Fossil Stack: The old MakerDAO contracts (the Vat/Pot) that were copied over during the fork. Right now, they are un-caged and dormant.

The true "Peganism" happens if and when 5996 and the Pioneers stop just probing the contracts and actually flip the switch to activate the liquidation/minting engines to enforce a hard peg. Until then, it's a free-market liquidity war.

Do you think the Pioneers will actually flip the Maker engines this year, or is the slow liquidity sweep the permanent play?

[Melissa Baker @MelissaBaker88]

Stablecoins in business need the banking rails to work with them. Simple as that

[ADI Foundation @ADI_Foundation]

Banks, stablecoins and tokenized deposits need to work together.

Shubham Jha, Lead of Cross-border & Payments at ADI Foundation, contributed to @ADGMAcademy's Beyond Speed: Building Trusted Interoperability in the Future of Cross-Border Payments.

The report explores how shared standards can connect traditional banking rails and digital money, bringing greater trust, consistency and predictability to cross-border payments.

Read the report: https://t.co/0PhlsNjrqd

[Melissa Baker @MelissaBaker88]

Anybody using AI to figure out dinner from whatever's left in the fridge?

[Melissa Baker @MelissaBaker88]

Made spaghetti this morning because apparently that's what I wanted for breakfast 🙃

[Melissa Baker @MelissaBaker88]

@TapeOutWorld curious to see how USD1 settlement works for app services

[Melissa Baker @MelissaBaker88]

Those look delicious! Now I'm thinking about dinner

[BUTCHERJ🔪💙 @BUTCHERJ75]

Its monday...been busy this morning...family wanted me to make my slow cooked beef brisket in a honey barbecue sauce steak bake so off to deliver them...👀

[Michael | AI + Agents @Michael_Fenech_]

Grok Bot could save you hundreds of dollars a year just by watching your household bills.

Instead of spending hours working out why and chasing a better deal, here's a job I'd give Grok Bot.

It investigates, compares alternatives, drafts the negotiation and follows up.

Step 1: Let it watch your bills arrive.

Most bills come by email, so that's the best source. Two ways to do it:

1 - Connect Gmail or Outlook. Tell Grok Bot which providers bill you. Have it pull the last 6–12 months of bills first, so it has a baseline, then check for new ones every week.

2 - Forward bills to the bot's own inbox. Set an email rule that forwards bills from those providers. Each one starts the job the moment it lands, and the bot never sees the rest of your inbox.

Ask it to keep a simple running record of every bill: date, provider, amount, usage, rate and fees. That record is what lets it spot trends, not just one-off jumps.

No banking app needed.

Step 2: Give it this prompt.

"Act as my household bill investigator. When a new bill arrives:

1 - Log it. Add it to my bill record and compare it with previous bills from that provider.

2 - Explain any increase. Show exactly what changed: rates, usage, fees, discounts or contract terms.

3 - Check it. Research the provider's current pricing and flag anything wrong, unexplained or worth questioning.

4 - Find alternatives. Research three comparable plans for my location and compare annual cost, fees, contract terms and coverage.

5 - Draft the negotiation. Write a message to my provider explaining the increase and asking for a better deal, citing competing offers. Show it to me to send.

6 - Follow up. Track the reply, assess any counteroffer and recommend whether to stay or switch.

7 - Verify. When the next bill arrives, confirm the agreed price was applied.

If bills are missing, ask me rather than guessing. Never send, cancel, switch, accept a contract or pay anything without my approval. Show me the potential annual savings, any switching costs and your recommendation."

Here's where it gets interesting.

Most people only look at their bills when something feels wrong.

Because Grok Bot is watching every bill as it arrives, it spots the creep early, investigates the cause, and only comes to you when there's a decision to make.

The goal isn't to be told your bills went up.

It's to have the work done to bring them back down.

[Melissa Baker @MelissaBaker88]

Letting an agent spend money without knowing who it's paying sounds like a mess

[Tim Haldorsson @TimHaldorsson]

we're all still figuring out how agents should interact and pay

i think the next phase is a mix of stablecoins and credit cards your agent has full access to.

but spending is the easy part, to actually operate, an agent needs to know who it's doing business with. that means a reputation layer it can check before it pays, not after.

that's where i think onchain matters most. identity and history you can verify, not a profile you have to trust.

another team that also was active in Singapore within the BNB community was @termix_ai with their marketplace letting you verify an agent onchain before you deal with it.

[Melissa Baker @MelissaBaker88]

Anyone taking stablecoins from customers? How do you handle refunds?

[Melissa Baker @MelissaBaker88]

Those EU stablecoin deadlines are gonna keep a lot of businesses busy 😬

[Brooster @BroosterWeb3]

Good Evening Legends! 🔥

Before my GN, today's crypto highlights:

- Bitcoin fell from above $87,000 to a low of $80,400 on Thursday evening, then recovered to around $83,013 after Trump ruled out strikes on Iran before the midterms.

- More than $1 billion was liquidated in 24 hours, about $940 million of it long positions, with over 180,000 traders affected.

- US government wallets moved 12,267 BTC worth about $1.01 billion from a Bitfinex hack address, taking three-day transfers to 17,733 BTC and 750 WBTC. No sale is confirmed.

- Spot Bitcoin ETFs lost $484.9 million on October 7 and $244.1 million on October 8, leaving October net flows at minus $407.4 million.

- Ether ETFs posted an eighth straight day of outflows, $641.3 million since September 29, as Ethereum fell about 10% on the week to around $2,491.

- Ledger told Southeast Asian reseller CryptoBilis to pause sales after buyers lost funds. Analyst Specter estimated more than $86 million drained across 98 addresses.

- Zcash developers set a January target for a quantum-resistant payments upgrade, while Charles Hoskinson disputed Vitalik Buterin's warning that AI-accelerated math could weaken lattice-based cryptography.

- ESMA gave licensed EU crypto firms three months, until about January 8, 2027, to wind down services for stablecoins that fail MiCA, including custody and transfers.

- Thailand finalized rules for Bitcoin and Ether ETFs from October 16. They must trade on the Stock Exchange of Thailand, and brokers cannot offer margin loans.

- The 10-year Treasury yield reached 5.36%, its highest in about 24 years, and crypto funds lost $600 million on the week while gold drew $2 billion.

[Melissa Baker @MelissaBaker88]

Claude reset day and injection day on the same calendar is wild

[erin @erinbeess]

ive synced my estrogen injection to my Claude Pro reset. None of you do it like me. This is true vibe coding

[Melissa Baker @MelissaBaker88]

@BSCNews @SuiNetwork @AlibabaGroup @alibaba_cloud Stablecoins handling payments for AI agents? Yeah, I'm into that

[WSJ Markets @WSJmarkets]

Ripple has expanded into nearly every corner of the crypto industry, from stablecoins to asset custody. Now it is edging into Wall Street’s terrain. https://t.co/py72Dvwsev

[Melissa Baker @MelissaBaker88]

Stablecoin payments for AI agents is a pretty interesting direction