felipe

FinTech | prev. VC, M&A | High-conviction operator

[felipe @felipehubd]

From a VC perspective, $TIBBIR is one of the cleanest asymmetric setups I’ve seen in years.

You’re looking at a project with:
• a stealth team with real fintech DNA
• agentic infrastructure aligned with where AI + finance must converge
• tokenized rails mirroring the exact theses top funds are betting on
• a distribution network unmatched in crypto: Coinbase, Robinhood, Nubank, Revolut… all Ribbit-backed, all with tens of millions of users
• early ecosystem hints from exchanges + payment networks
• and a market cap that still assumes near-zero execution

This is the type of profile you normally only see in closed-door early-stage VC rounds.
Except this time, it’s public.

Not financial advice — just pattern recognition.

[Binance @binance]

01101110 01100101 01111000 01110100 00100000 01110111 01100101 01100101 01101011

[felipe @felipehubd]

Impatience pays a premium to patience.

[felipe @felipehubd]

Currently deepening my focus on fintech and starting a Master’s in Financial Technology soon.

What’s surprised me most lately:

Using @claudeai while building an agentic banking product.

Not just for speed... but for learning.

Reviewing its architecture breakdowns and reasoning has been one of the fastest ways I’ve ever absorbed complex concepts.

Feels like a new kind of learning loop.

[felipe @felipehubd]

One of the best takes I’ve read recently on the future of payments.

Stablecoins aren’t going to “kill” card networks.

@Visa and @Mastercard are distribution networks with billions of credentials and millions of merchants. That moat doesn’t disappear.

What actually happens is more interesting:

Cards keep dominating traditional retail.
Stablecoins unlock entirely new markets cards were never built for.

Micropayments, AI agents, machine-to-machine transactions, vibe-coded services spinning up in hours.

A $0.10 API call can’t pay a $0.30 card fee.
Stablecoins make those transactions viable.

So the future isn’t cards vs stablecoins.

It’s cards + stablecoins expanding the size of the global payments market.

And incumbents like Visa and Mastercard may actually benefit the most by integrating stablecoin settlement on the backend.

Fintech isn’t being replaced.
It’s evolving into a new financial stack.

[Alfonso @alfongj]

https://t.co/hAxBtI7a8e

[felipe @felipehubd]

Just spent time going through @RaoulGMI's latest framework and it honestly put a lot of things into the right perspective.

The frustration many people feel in crypto right now isn’t because the thesis is broken, it’s because the timing shifted. Liquidity didn’t disappear; it was delayed. Debt maturities were extended, financial plumbing got messy, and capital hasn’t fully flowed out on the risk curve yet. That’s why price action has felt choppy and underwhelming, even while adoption keeps moving forward.

Raoul’s core point: liquidity is the driver. Not narratives, not headlines, not short-term sentiment. When liquidity expands, assets reprice... and crypto, being the most liquidity-sensitive asset class, reacts the hardest.

What’s interesting is the macro setup ahead. Governments are carrying massive debt loads, refinancing needs are stacking up, and rate cuts plus fiscal stimulus aren’t optional, they’re necessary. When those forces converge, likely heading into 2026, liquidity doesn’t just improve, it accelerates.

That’s the hard part of this cycle: staying patient while the setup is forming. It feels slow, uncomfortable, and easy to doubt. But historically, the biggest returns come from being positioned before liquidity shows up, not after it’s obvious.

Zooming out really helps. This is less about daily price action and more about understanding where the system is heading and how capital moves when constraints loosen.

Patience isn’t passive. It’s a strategy.

[felipe @felipehubd]

Monumental. 🐸

[Ribbit Capital @RibbitCapital]

4 of 4/

[felipe @felipehubd]

Imagine investing in something with unavoidable future utility — a new foundational layer for how money moves, how agents transact, and how fintech will operate in the next decade.

Now imagine placing that bet on the strongest horse in the field:
the one with a decade of outperformance in fintech, backed by the best “coaches” in the game.
@MickyMalka, @RibbitCapital , and a portfolio of platforms with tens of millions of users across @coinbase , @RobinhoodApp , @nubank , @Revolut and more.

You don’t stress about a horse like that.
Because when the rails shift and the new system becomes standard,
its value isn’t a question of if –
it’s a question of how big.

$TIBBIR

[felipe @felipehubd]

@JoeyF07 u already know.

[felipe @felipehubd]

@altcoinist you always phrase it better than anyone, brother

[felipe @felipehubd]

From a VC perspective, $TIBBIR is one of the cleanest asymmetric setups I’ve seen in years.

You’re looking at a project with:
• a stealth team with real fintech DNA
• agentic infrastructure aligned with where AI + finance must converge
• tokenized rails mirroring the exact theses top funds are betting on
• a distribution network unmatched in crypto: Coinbase, Robinhood, Nubank, Revolut… all Ribbit-backed, all with tens of millions of users
• early ecosystem hints from exchanges + payment networks
• and a market cap that still assumes near-zero execution

This is the type of profile you normally only see in closed-door early-stage VC rounds.
Except this time, it’s public.

Not financial advice — just pattern recognition.

[felipe @felipehubd]

I don’t fight the games... I adapt to them.
Let them flush the market and fake the fear.
I reload quietly on the lows, every time.
Discipline beats emotion in this market.

[felipe @felipehubd]

What feels far away today will soon become the standard. $TIBBIR @ribbita2012

[felipe @felipehubd]

During my time off I reflected on the parallels between past and present innovation cycles.
It took years for financial systems to acknowledge the efficiency of digital currencies — a shift that once seemed distant but is now undeniable.

[felipe @felipehubd]

Today, we stand at a similar inflection point with agentic functionalities. In fintech and transaction processes, their role may still appear abstract, but it is only a matter of time until these agents handle the majority of operations seamlessly on our behalf.

[felipe @felipehubd]

Ibiza & $tibbir

Life is good.

[felipe @felipehubd]

@altcoinist @mickymalka 🤝

[felipe @felipehubd]

Doesn’t take a genius to see this is exactly where fintech is heading — and in 12��24 months, it’ll be fully integrated into our lives.

Rarely do you get the chance to invest publicly in something built by @mickymalka & Ribbit Capital.

[ribbita @ribbita2012]

Tokenization is turning contracts, balances, even office banter into machine-readable snacks for AI agents. Soon, your “action items” will literally be tokens, tracked, scheduled, and (finally) not forgotten in the group chat. The future is one giant workflow on autopilot.

[felipe @felipehubd]

@JohnSimon1029 valid assumption, definitely possible.

[felipe @felipehubd]

$200M $TIBBIR

...and guess what; WE ARE STILL EARLY.

Made a 20x from my first few buys and I won't let a single coin leave my wallet.

Accumulate August.

This project belongs to the 10 digit mcap.

Don't fade my words this time, cause I told you 5 months ago already.

[ribbita @ribbita2012]

Every time a bank makes you fill out the same form twice, an AI agent cries and spins up a new token just to automate your pain next year.