Urs Bolt 🇨🇭🇵🇭

𝗚𝘂𝗶𝗱𝗶𝗻𝗴 𝗬𝗼𝘂 𝘁𝗼 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 | Coach, Advisor, Lecturer | Wealth Management | WealthTech | FinTech | Digital Assets

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

Pleased to share that my role as Affiliate Faculty at Singapore Management University Academy continues.🤓

It's a real privilege to support a forward-looking institution and engage with professionals shaping the future of #WealthManagement and technology in Singapore and #SoutheastAsia. #WealthTech #PrivateBanking @sgSMU

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

🇸🇬DBS launches gold-backed digital tokens for retail investors:

South-east Asia’s biggest bank said that DBS Physical Gold Tokens will be available through its digibank app in H2/2026. Retail customers can hold and trade tokenised physical gold through a single platform.
Each token will be backed by one gram of physical #gold held by DBS in a dedicated vault in #Singapore.

@Straits_Times. #tokenization
https://t.co/TmszyfvQcw

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

Sign of the times.

[Hugo Ferrer @ContraInvest]

Esto es Europa en estado puro. El Banco Central Europeo frenó permisos a Revolut para sacar nuevos productos financieros porque el BCE está "preocupado sobre la rapidez con la que el banco digital saca nuevos productos"

Revolut, que lo que tiene son tarjetas de crédito y préstamos al consumo le parece muy rápido al BCE 🤡🤡🤡🤡🤡 Prefieren bancos atestados de gente que parecen oficinas del siglo XX donde aún hacen fotocopias.

https://t.co/zu21ttLqJR a través de @ft

[Hugo Ferrer @ContraInvest]

Esto es Europa en estado puro. El Banco Central Europeo frenó permisos a Revolut para sacar nuevos productos financieros porque el BCE está "preocupado sobre la rapidez con la que el banco digital saca nuevos productos"

Revolut, que lo que tiene son tarjetas de crédito y préstamos al consumo le parece muy rápido al BCE 🤡🤡🤡🤡🤡 Prefieren bancos atestados de gente que parecen oficinas del siglo XX donde aún hacen fotocopias.

https://t.co/zu21ttLqJR a través de @ft

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

@heisredminded Great observations. Here in the PH I often miss the holistic thinking considering the end to end process. Implementing Agentic AI in subprocesses without integrating it into the complete customer/user journey will create suboptimal processes and customer dissatisfaction.

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

AI isn’t coming for your job. It’s coming for your mind.

The people who thrive won’t be those who use AI most, but those who can still think without it.
#AI isn’t just changing what we do, it’s rewiring our brains as we use it, just like literacy did.
We’re trading deep thinking for quick answers without realising the cost to memory and judgment.

Long read by @BaillieGifford with great sources: https://t.co/dlKI8aqdQ1 #human #mindset

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

@NavigateAI_ Fully agree! But this may be challenging if critical thinking isn't existing...

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

AI Insights: The Impact on Philippine Business and How to Unlock This Opportunity –

Join me and three excellent panellists for a discussion on how businesses and the workforce in the #Philippines can harness the opportunities emerging from AI and prepare for the future of work.

This event is open to everyone and free to attend. It is hosted by the The Rotary Club of @ManilaExpats at the @AyalaMuseum in Makati, Manila.

Register now, bring your colleagues,F&Fs: https://t.co/mxjL2nYlTW #AI #digitaltransformation #futureofwork @AyalaFoundation

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

@jeazous Maya is actually annoying me with too many notifications. It's like Shopee or Lazada, for both I disabled notifications.

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

@jeazous @zedphilippines

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

AI Insights: The Impact on Philippine Business and How to Unlock This Opportunity –

Join me and three excellent panellists for a discussion on how businesses and the workforce in the #Philippines can harness the opportunities emerging from AI and prepare for the future of work.

This event is open to everyone and free to attend. It is hosted by the The Rotary Club of @ManilaExpats at the @AyalaMuseum in Makati, Manila.

Register now, bring your colleagues,F&Fs: https://t.co/mxjL2nYlTW #AI #digitaltransformation #futureofwork @AyalaFoundation

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

🇭🇰International firms bet big on #HongKong's US$2.95 trillion wealth hub status:

City’s offshore wealth market is thriving as AXA and Standard Chartered target high-net-worth clients despite regulatory tightening.

@SCMPNews: https://t.co/MV9FDkQ0ye #Asia #WealthManagement

[Li Zexin 李泽欣 @XH_Lee23]

🇨🇳🚄Secret behind the world’s largest high-speed rail network:

This is just a regional hsr control center in China, not even the largest one!

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

Advantage China.

[Richard Turrin @richardturrin]

China's AI agents have a structural advantage the US cannot replicate quickly. Tencent and Alibaba offer payment, messaging, social media, and e-commerce, all in-house.

AI agents need access to all four to be useful. China's superapps provide it in one tap.

In the US: iMessage, Instagram, and WhatsApp don't talk to each other. Power users can configure OpenClaw access. No one-click integration exists.

The AI agent race will be won by whoever has the platform infrastructure to deploy at scale. China built that infrastructure a decade ago, it's called WeChat.

Article:
"China’s platform economy is an AI deployment engine. The U.S. is still looking for its own."

#China #techwar #chips #tech
@baoshaoshan
@thecyrusjanssen
@DOualaalou
@lajohnstondr
@PSTAsiatech

https://t.co/prVlFsEggp

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

@janjaapomvlee Sehe ich leider auch so.

[Dr Efi Pylarinou @efipm]

Fastest-growing fintech verticals in 2025:

📈 Trading & investments: +38% YoY
💰 Deposits: +30% YoY
🌏 APAC led all regions at +25%
Payments still dominates at ~$183B — but the mix is shifting fast.

BCG + FT Partners Global Fintech Report 2026
https://t.co/l5NDg3A7yg

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

🇨🇳Tencent opens China remittance service to foreigners:

#Tencent's cross-border payments arm @TenPay Global is expanding access to China's digital #payments ecosystem, allowing foreign nationals to send money directly into #China and spend funds through #WeChat-linked services.

@finews_asia. #fintech
https://t.co/ZIP6htdubP

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

🇵🇭Nearly 30% of Filipinos at risk of slipping into poverty:

Nearly three in 10 Filipinos remain at risk of slipping into #poverty, while an oil price spike linked to the Middle East conflict could push almost two million more below the poverty line.

World Bank report via @bworldph. #Philippines
https://t.co/s3cDYXjNlm

[Dr Efi Pylarinou @efipm]

Fintech revenues hit record $504B in 2025: study

Revenue in the sector is growing four times as fast as in banks, according to a recent report by Boston Consulting Group and FT Partners.
https://t.co/qKCgLjHuKP

[Simon Taylor @sytaylor]

🚨 JUST IN: JPMorgan, Citi, Bank of America and Wells Fargo are building a shared blockchain to keep deposits from leaving the banking system.

The Clearing House will run it. Target launch is the first half of 2027.

Interestingly, this appears led by being defensive rather than clients, at least according to some quotes. Bank of America's head of global payments, Mark Monaco, told the WSJ that clients aren't "beating down the door" for tokenized deposits.

The reason they're building it anyway sits in what they walked away from. A year ago this same group explored a joint bank stablecoin through The Clearing House and the operator of Zelle. They dropped it and picked a blockchain for deposits instead.

Remember deposits are money that stays still. They sit on the bank's balance sheet as a claim you hold against the bank. Stablecoins are money that moves. A bearer instrument that can leave your bank on Saturday and settle somewhere else by Sunday.

And given they're working with The Clearing House (TCH) that makes sense. Deposits can't leave a bank and go anywhere, but through clearing, banks can figure out all of the possible transactions that need to happen, and "net" them into one single efficient transaction multiple times per day. So instead of sending $10m one way, and $9m back. The banks send the difference or "net" of $1m.

But I don't get why they need a blockchain to do this?

The Clearing House already clears deposits in the USA between the member banks?

Tokenized deposits DO have demand if you talk to JP Morgan, their clients have cleared $3 trillion to date, but all cross-border. So again, what is the clearing house adding here?

Meanwhile, you have SoFiUSD which is live, and 1:1 exchangeable for its Tokenized Deposit, 24/7. Meaning, they enable instant, global exchange of dollars that can be off-ramped to any other payment system.

The US banks in the clearing house won't have that same cross-border advantage. To me, this looks like the clearing house got a tech upgrade, that maybe it didn't need?

Stablecoins are open loop. Global. 24/7. *That* is their advantage.

Tokenized deposits are 24/7 and safer. But closed loop.

These two things should co-exist not compete.

[Urs Bolt 🇨🇭🇵🇭 @UrsBolt]

@efipm The Chinese way.