Johan

Fintech Founder @TheoApp_ , ex-Block / @Cashapp

[Johan @johanf11]

I wrote about the "Superwallet" stack we're building to collapse remittances, aid, and gig pay into one compliant home. [https://t.co/9uXujsSIu2]

#FounderNotes #Stellar #USDC #Haiti

[Johan @johanf11]

People ask me why we're starting Theo in Haiti. My answer: It’s the most honest market in the world. 🇭🇹

The problems aren't ambiguous. Remittances are oxygen, and the current system is suffocating.

[Johan @johanf11]

Amazing advice to approach life with infinite mentoring opportunities! Thanks @jack

[Brian Halligan @bhalligan]

Best mindset shift I’ve heard: Stop hunting for one mentor. Make every single encounter your mentor.

[Johan @johanf11]

@wealthyanon Called it! Wolf in sheep’s clothing!

[Johan @johanf11]

@CryptoWendyO 2 points!

[Johan @johanf11]

@pete_rizzo_ @grok what’s the latest on this?

[Johan @johanf11]

@coinbase is out here blocking the CLARITY Act again over the yield ban, not because they suddenly love innovation, but because it hits their $1.35B projected stablecoin revenue pipeline.

@brian_armstrong says banning passive yields would actually make Coinbase more profitable (no more USDC rewards to pay out), yet they're "concerned" for customers and U.S. competitiveness? Please. This is textbook big-tech self-interest.

Meanwhile, small crypto startups and DeFi builders get screwed. The yield ban kills the incentive that lets new entrants compete with banks and giants like @coinbase /@circle. Without it, why would anyone hold a regulated U.S. stablecoin when offshore or fully decentralized options still pay?

High compliance costs, mandatory audits, and reserve rules already create a moat only the big players can afford. Startups don't have lobbyists or billion-dollar balance sheets, this legislation entrenches @coinbase's dominance while choking the next wave of on-chain innovation.

Please pass a real framework that levels the field, not one that protects incumbents. Small builders built this space. Don't let Big Crypto kill it!!!

#CLARITYAct #Stablecoins #DeFi #CryptoStartups

[Johan @johanf11]

All this does is push users toward offshore alternatives and fully decentralized yield that regulators can’t touch. We’ve seen this before: trying to control innovation usually just accelerates it.

The broader CLARITY framework? Good. This specific provision? Bad for innovation.

#CLARITYAct #Stablecoins #USDC

[Johan @johanf11]

The CLARITY Act banning passive yield on stablecoins isn’t consumer protection. It’s just banks lobbying to slow down a competitor.

USDC holders aren’t depositors. They’re the plumbing for global payments and on-chain finance. Issuers already park reserves in T-bills, which actually helps U.S. debt demand.
Kill the yield incentive and you kill adoption.

Why hold a digital dollar that earns nothing?

[Johan @johanf11]

Who cares if it’s FDIC insured? FDIC insurance enables banks to engage in fractional reserve banking and artificially increase the money supply by 10x or more through derivatives. Circle stablecoins currently operate under narrow banking principles and cannot create new money out of thin air when issuing credit. Circle transparently reports its backing, doesn’t lend out reserves, and shares yield with consumers. That’s a better system.

[Johan @johanf11]

This is why the Clarity Act hasn’t been signed yet. Crypto companies found a loophole by offering rewards instead of yield to payments Stablecoins. The clarity act tried to close the loophole and Coinbase fought against the initial regulation. It’s a wait and see how negotiations will play out. I myself do not want to see rewards disappear.

[Johan @johanf11]

This is misleading. Stablecoins offer stronger reserve transparency but weaker loss protection (i.e FDIC insurance). A bank deposit is more leveraged but government-guaranteed. A USDC holding is more conservatively backed but the safety net is Circle, not the US government.

I rather hold stable coins than a bank that creates money whenever it issues a loan.

[Johan @johanf11]

@WalletConnect @arbitrum When will you be live on @StellarOrg ?

[Marc Andreessen 🇺🇸 @pmarca]

At long last, my moment has arrived.

[Johan @johanf11]

@pete_rizzo_ @grok explain the digital credit instrument called strc

[Johan @johanf11]

@natbrunell @staffordmasie @grok how is bitcoin used to lower the speakers cost if capital

[Johan @johanf11]

@tarakeeney Love this concept! Where can I follow and apply to be on it?

[The ₿itcoin Therapist @TheBTCTherapist]

Real estate Billionaire Grant Cardone explains why Bitcoin is better than gold or silver.

https://t.co/J2EGrIRiwr

[Johan @johanf11]

Life is Good!

[Tony | thebitcoinway.com @V4BTC]

‼️If you're panicking or upset about the #Bitcoin price, this might help put things in perspective.

[Bitcoin Teddy @Bitcoin_Teddy]

Great clip on the Federal Reserve.

Show this to everyone you know.