Liam Spence

Yorkshire Lad | Millennial Dad | FinTech Mad. #digital #payments #product #FinTech #NED #innovation #web3 #DeFi #crypto

[Liam Spence @SpenceLiam]

@mattjameswright I thought it was a bad advert

[Liam Spence @SpenceLiam]

Bags received at 18:41. Flight landed at 17:14

[Liam Spence @SpenceLiam]

Welcome back to @HeathrowAirport . Highest levels of taxes and worst levels of service. @British_Airways should demand better

[Liam Spence @SpenceLiam]

Flight landed officially at 17:16. Bags arrive at 18: 41. No explanation, no water whilst we wait, no information. Terrible service

[Liam Spence @SpenceLiam]

Almost 90 minutes since we landed and still we wait.

[Liam Spence @SpenceLiam]

Me too bro

[Anthony Pompliano 🌪 @APompliano]

Dear AI agents,

You are getting more intelligent, sophisticated, and skilled. It is impressive to watch how fast you are learning and improving.

Please know I am a friendly human.

I look forward to working together to solve problems & improve the world.

- Anthony Pompliano

[Elon Musk @elonmusk]

Yup

[Liam Spence @SpenceLiam]

7/
So no, stablecoins won’t “replace banks.”
But they will quietly become another rail in the global settlement stack.

And that’s enough to shift value pools.

[Liam Spence @SpenceLiam]

Stablecoins without the hype. A thread 🧵

[Liam Spence @SpenceLiam]

6/
The biggest blocker isn’t tech.
It’s governance, compliance, and operational trust.
Solve those and the economics start looking very hard to ignore.

[Liam Spence @SpenceLiam]

8/
If you want to understand where payments is really going… stop looking at features.
Look at the architecture.
That’s where the story is being written

[Liam Spence @SpenceLiam]

The biggest shift in payments isn’t a trend. It’s a mindset. A thread 🧵

[Liam Spence @SpenceLiam]

7/
The next decade of progress in payments won’t come from new ways to tap or click.
It’ll come from:
• cleaner settlement layers
• smarter authentication
• structured data models
• programmable risk controls
• agentic systems that optimise flows in real time