SpiceCap

Web3 & Game Studio

[Luca Money @lucamoneyapp]

🚨 DAMOS $15 USD POR CADA AMIGO QUE REFIERAS A LUCA 🚨

Ya tienes tu Luca Card, ahora es momento de compartirla

Mira cómo ganar con el mejor programa de referidos del mundo 👇

[Luca Money @lucamoneyapp]

Lanzamos la tan esperada Luca Card 💳

Tu tarjeta en dólares digitales para pagar en comercios físicos y online.

Consíguela YA 👇

[Frecuencia Money @FrecuenciaMoney]

#GuestPost
En esta edición de Token Americas escribe el fundador y CEO de @lucamoneyapp, Mariano Maisterrena, que también será speaker en 𝗧𝗼𝗸𝗲𝗻 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝘀, 𝗠𝗲́𝘅𝗶𝗰𝗼 𝟮𝟬𝟮𝟲:
https://t.co/EGGEDHs67H

#stablecoins #crypto

[Luca Money @lucamoneyapp]

¿Importaste tu frase semilla en Luca y tu saldo aparece en $0? 👀

Es una de las preguntas más frecuentes en soporte y merece un video y este thread.

Nuestro CTO, @cryptoCrisYo, explica en 3 minutos cómo funcionan las Smart Accounts. 👇

[Nic 🐻 @4amNicc]

Hoy pude hacer un pago en USDC desde la app de @lucamoneyapp sin problemas.
Cotización del USDC on point

Excelente servicio loko

[Luca Money @lucamoneyapp]

Acabamos de lanzar un miniproducto cambiando por completo la forma en que interactúan su billetera.

Podrán recuperar sus fondos si mandan a la red incorrecta 👀👀👀

Más control y autocustodia real en la vida diaria.

EN LUCA TODO ES DIFERENTE y TODO ES MEJOR

[maistebuilds @maistebuilds]

There's no IP in stablecoin neobanks. Here's why I'm building one anyway.

I've been thinking about this for a while, and I think it's time to say what everyone in the space knows but nobody wants to admit: stablecoin neobanks have zero defensibility.

Every single one you see launching is the same product with a different logo. And honestly? I don't think that's a bad thing. Let me explain......

The regulatory moat that protected fintech doesn't exist here

In traditional fintech, part of the moat was regulatory. Getting a branking/psp/vasp license was hard, expensive and took big compliance resources years, millions in legal fees, and connections that most founders didn't have.

With non-custodial stablecoin wallets? None of that applies.

You're not holding user funds. You're not a money transmitter in most jurisdictions. You're just a frontend to DeFi protocols. You can launch in Argentina, Nigeria, Indonesia, or anywhere tomorrow without asking permission from anyone, at the same time.

This is honestly incredible for innovation. Users get access to dollar-linked savings without needing a US bank account. But if you're trying to build a defensible business? There's nothing stopping 50 competitors from launching the exact same thing next month.

@maxkarpis broke this down really well — the "next Revolut" story is always the same: three ex-fintech employees, crypto-native, some offshore on/off-ramp magic. But the underlying infrastructure is identical.

Every feature you can offer is a commodity.

This is the part that nobody talks about publicly.
Want to offer a stablecoin card? You're not building anything. You're calling @raincards or @gnosispay or plenty of other providers.

They handle issuance, compliance, everything. You literally just put your logo on it.
Rain is probably powering half the crypto cards you've heard of. Teams raise $10M and announce "we're launching a card" like it's some technical achievement. It's not. It's an API integration. An easy one actually.

@paramonoww wrote extensively about this — don't be delusional thinking teams need tens of millions to launch a crypto card. They need Rain and a logo.

Want yield on deposits? You're not building a yield engine. You're plugging into @yield_xyz or @LuloApp.

The yield comes from the same DeFi protocols everyone else uses. Your "8% APY" is the same 8% APY your competitor offers because it's literally the same underlying source.

Need wallet infrastructure? @dynamic_xyz @privy_io @thirdweb will have you live in days. And their products are actually great, we been using them for years now. Account abstraction, social login, gasless transactions — all commoditized.

On/off ramps? same situation: @moonpay bridge, and more are fighting for your attention.

I could literally give you a weekend project: stitch these together, ship a landing page, and you have a "stablecoin neobank" by Monday. That's not an exaggeration. The entire stack is available off the shelf.

So what exactly is anyone building? A UI. A brand. Some copy. That's the uncomfortable truth.

So why am I building @LucaMoneyApp another stablecoin neobank?

Because the opportunity is genuinely massive, and the lack of IP actually makes it more interesting, not less.

There's $170B+ in stablecoins. Currencies across Latin America are in freefall. 70% of tech workers in Argentina want USD or crypto payments. The demand is real and desperate.

And here's what commoditized infrastructure actually means: the game isn't about who builds the best tech anymore. Everyone has access to the same tech. The game is about who captures users the fastest.

The real moat is stickiness and speed
If everyone can assemble the same legos, the winner is determined by:

Who gets to specific markets first
Who builds the strongest user habits
Who captures network effects before competitors show up

This is a land grab, not a tech race.
The team that becomes "the app Argentinians use to save in dollars" wins. Not because their yield aggregator is 0.000000003% better or their card has cooler colors and glow in the dark.
Because they got there first, built trust, and users don't switch apps that hold their savings.

People dramatically underestimate switching costs for financial products. Once someone trusts you with their money and builds a habit around your app, they're not leaving for a marginally better competitor. The moat is installed base + brand + daily habits.

Niche by niche, market by market
We're not trying to build "the global stablecoin neobank." That's a losing strategy when you have no differentiation.
We're trying to own specific user segments completely:

-The Argentine saving in USDC because the peso lost 90% in 3 years
-The Venezuelan receiving remittances from family abroad
-The freelancer getting paid by US clients who doesn't want a US bank

Win these niches one by one. Build features they specifically need. Talk to them every day. Move faster than anyone else in those corridors.

That's the playbook. Not proprietary tech. Not patents. Speed and obsession with specific users.

We're building @LucaMoneyApp with this thesis. Non-custodial stablecoin savings for Latin America. Simple, fast, focused.

I'm not going to pretend we have magical IP that nobody else can replicate. We don't. Nobody does. Our IP is how fast we are and how sticky our app is, thats it. And if we focus on this we will win.

If you're building infrastructure in this space — DM me and lets connect.

[Luca Money @lucamoneyapp]

👇#LucaTips 💼

Conseguir trabajo hoy no es solo enviar CVs.
Es saber cómo mostrarse, dónde aplicar y qué herramientas usar.

Si querés más oportunidades (especialmente en Web3 y tech), este hilo te puede ahorrar meses. 👇

[Luca Money @lucamoneyapp]

Hoy estrenamos #LucaTips😃

¿Por qué la Autocustodia?

Eliminas el riesgo de terceros (quiebra del banco o exchange).

❌ Nadie (ni siquiera Luca) puede congelar tus fondos. Tienes el control total y la soberanía de tu dinero.

Luca Money es igual a SIMPLEZA + SEGURIDAD TOTAL.

[Luca Money @lucamoneyapp]

¿Que te impide ahorrar?

🤔🤔🤔

[Luca Money @lucamoneyapp]

Acabamos de lanzar el primer neobanco de stablecoins para Latam donde TÚ TIENES EL CONTROL TOTAL de tu dinero.

Genera rendimientos y gasta globalmente 💸🌎

Un hilo 🧵👇

[Luca Money @lucamoneyapp]

who is ready to join our LUCA APP launch event in the hippodrome?

thursday 20th from 7pm to 12am 🥳

https://t.co/SUPNkxWsQZ

[Luca Money @lucamoneyapp]

Al fin... nuestro evento de lanzamiento es HOY!

Todos los invitados van a tener 100% APY por todo un día 😎

Vamos a ser más de 350 hoy, no te lo podes perder

[maistebuilds @maistebuilds]

🎟️🔥 DEVCONNECT TICKET GIVEAWAY 🔥🎟️

We’re giving away 3 free tickets to Devconnect 👀

We’re celebrating our app launch by sending 3 of you to Devcon.

How to win:
→ Follow @lucamoneyapp
→ Follow @EFDevcon
→ RT this tweet

Winners: Nov 15.

See you in buenos Aires che🥩

[SpiceCap @SpiceCapStudio]

I used to keep my money on a savings account and basically earn nothing, now I see the growth every second. @yieldmillion

[Randombag.fun @Randombag_fun]

🚀 New Token Added: $HUNT from @steemhunt!

We're excited to welcome $HUNT from our friends at Hunt Town to our Base Original, Degens on the Rise, NFTs & MiniApp Mania trends!

Hunt Town is one of the coolest and craziests communities I've been part of.

Find it on: https://t.co/04EpRKIqvy

[Dynamic @dynamic_xyz]

Wallet infra secured by Dynamic 🔒

[SpiceCap @SpiceCapStudio]

Nothing like watching memecoins pay off: https://t.co/16oZ83bcBK randomly chose mine and I’m up like crazy ! 🎲🔥

[SpiceCap @SpiceCapStudio]

Finally one good use case for cross-chain transactions, @randombag_fun lets you build portfolios of the latest crypto trend buying tokens in any chain in just one transaction. Works with @zetachain. 🎮💸

[Randombag.fun @Randombag_fun]

Wanna hear smth awesome?

Took time but Randombag demo is ready🔥

First 20 who purchase a random bag of tokens worth $5 or more gets directly on whitelist.

Drop your trx and the tokens u got on comments and I'll send some money👀

👉https://t.co/IZAJPeACyl