Jarvie Lee

How money actually moves — stablecoins, payment rails, the parts nobody explains. BD @ AOBPRO. Mechanics, not advice.

[Jarvie Lee @aob_jarvi]

Bookmark this for the next "% on your cash" headline — you'll read the fine print differently. Want the same teardown for stablecoin payments? Reply SPREAD. Mechanics, not advice. I explain rails. Your money is your call.

[Jarvie Lee @aob_jarvi]

Your bank pays you 0.38% on savings. Robinhood pays 3.35% on the same idle cash. Same dollars. Same Fed. Same machine underneath. The difference is who captures the spread — and your bank hopes you never ask. Here's the machine: 🧵

[Jarvie Lee @aob_jarvi]

Three rails, one question: who captures the spread on your idle dollars? Bank: the bank does. Broker sweep: mostly you. Stablecoin vault: you, plus the risk. I build payment rails for a living. This exact question is the entire payments business.

[Jarvie Lee @aob_jarvi]

I know because I build this layer. Payment rails are the most boring goldmine in crypto. Nobody screenshots the processor. Everybody pays it. Want the full breakdown of how crypto rails make money? Reply RAILS. Bookmark this for the next "accepts crypto" headline.

[Jarvie Lee @aob_jarvi]

Ferrari takes ETH. Ferrari never touches ETH. Not one coin from a crypto Ferrari sale ever reaches Maranello. Here's who actually gets paid ↓

[Jarvie Lee @aob_jarvi]

Every "X now accepts crypto" headline works exactly like this. Microsoft. AT&T. Gucci. None of them hold crypto. All of them hold a processor contract. The brand gets the headline. The processor gets the percentage.