Banking doesn't fall all at once. It gets rebuilt in a fixed order, bottom-up.
Cross-border payments first - already falling. Then gateways, lending, savings, FX derivatives, eWallets, the till, the card networks. Fundraising last, hardest.
We're standing on step one, and step one is already underway.
https://t.co/R48xS5rl8P: Bringing FX Onchain
A bank account, without the bank.
The endgame isn't traders on a DEX. It's a wallet that feels like your favourite eWallet:
- hold 22+ currencies,
- swap at interbank rates in seconds,
- get your salary in,
- pay anyone by QR - 24/7/365,
- fully onchain, your keys.
No branch. No cut-off. No landlord for your money.
https://t.co/R48xS5rSYn: Bringing FX Onchain
The villain of Sera is not a person. It is zero liquidity, zero routes, zero clarity when money needs to move.
My theory-story on why on-chain FX infrastructure matters
Would love your thoughts, @DouglasGan and @seraprotocol.
Nobody knows your corridor like you do.
You already know what the airport changer charges back home. What the banks skim. What your family loses every month. That knowledge is an edge - and onchain, your home corridor is probably still unquoted.
Pick the pair you already understand. Seed it. Earn the spread as the flow arrives. The first maker in a corridor sets the market - and keeps its flow.
Seed it first → https://t.co/z10ZrjAYpv
Why do you need a third coin to swap two coins?
Everywhere else, swapping USDT for XSGD starts with buying ETH - for gas. A currency you didn't want, just to move the ones you did. And you'll keep topping it up forever.
On Sera: swap USDT → XSGD. There is no step two. The fee comes out of the coin you're already swapping - one signed intent, end to end.
Swap gasless → https://t.co/eWpbg5IyAG
Tourists carry dollars. You price in local.
Every shop near a border, a beach, or an airport knows the problem. Onchain it disappears: they scan your QR and pay in their coin - Sera swaps inside the payment - you receive your currency, settled in seconds.
No chargebacks. No 1-3% card fees. No FX risk on your books.
Accept stablecoins → https://t.co/OQROOBMnf4
The oldest job in finance just reopened.
Before banks existed, there were money changers - a table, a scale, and a spread. Temple steps, Silk Road, ports. Limited by where you sat and who walked past.
Five thousand years later it's a wallet, an agent, and a spread - every corridor, every timezone, quoting while you sleep.
Same trade. Better tools. Take a seat → https://t.co/z10ZrjAqzX
The interbank FX market closes Friday evening New York and reopens Sunday. Two days a week, the world's most important market simply isn't there.
No rates. No settlement. Your Saturday payment waits until Monday - because the market was built for bankers' hours.
Onchain has no closing bell. Salaries, invoices and swaps clear on Sunday too. Markets built for bankers close. Rails built for people don't.
https://t.co/R48xS5rSYn: Bringing FX Onchain
650 stablecoins. Do the math on pools.
Pool-based DEXes need a separate pool per pair - 650 coins means 210,925 of them (650 × 649 ÷ 2, we counted), each demanding its own locked capital. Every new coin makes it worse.
An order book doesn't have this problem. One venue, any-to-any routing, and Virtual Liquidity letting one deposit quote 20 pairs. Every new coin breaks the pool model a little more. Ours gets stronger.
One venue → https://t.co/vEghL97FE7
contdown begins!!!
@seraprotocol first-ever Community AMA is almost here
we’ll be talking about Sera, stablecoins, the vision behind the protocol, and most importantly, your questions.
this is a great opportunity to hear directly from @Douglas
drop “gSera” in the comments if you’re interested
See you at the AMA!
One payday. Five currencies. Done.
Your team is in Singapore, KL, Manila and Berlin. Fund payroll from one stablecoin balance - Sera swaps each salary into each person's own currency at interbank rates, and everyone's paid the same day.
No bank cut-offs. No 3% FX markup. No "5 business days."
Run payroll → https://t.co/vEghL977Oz
That's one nice Sera Cafe! If anyone wants to launch a Sera Cafe accepting multi currency stablecoins, let us know! Happy to sponsor some stuff! DM us!
Anywhere in the world.
Been playing around with Grok Imagine. It’s better than I expected! Here’s some other scenes that I wanted to incorporate inside.
Will produce better quality ones for @seraprotocol educational parallel soon!