Tarek

Head of Financial Markets @Notabene_id. Finance and blockchain. Financial Engineer from @UCBerkeley.

[Tarek @meta_rek]

Stablecoins are just fiat

[Pelle Brændgaard @PelleB]

https://t.co/j2ygA3pAJo

[Tarek @meta_rek]

!!!

[Pelle Brændgaard @PelleB]

The stablecoin sandwich is just correspondent banking on different rails.

Same bilateral agreements, same pre-funded positions, same corridor-by-corridor expansion. The costs don't disappear - they shift.

I wrote a piece about how we got here and what I think we should be building towards instead 👇

Looking forward to the conversation on "Killing the Stablecoin Sandwich" at @thestablecon EMEA with @sytaylor and @TeddHuff next week in Amsterdam - will see some of you there.

[Tarek @meta_rek]

@PelleB Exactly!!!

[Tarek @meta_rek]

Proud of what we’re building!

[Pelle Brændgaard @PelleB]

When I show people Notabene Flow in action, there's always a lightbulb moment.

Create an invoice → send a payment link → recipient picks their provider → authorized, settled on-chain, reconciled. Real time.

No chasing payments. No manual reconciliation. Invoice data travels with the payment end to end.

I'll be hosting a live demo next Thursday 4/30. Join to see more uses and ask any questions you have — link in the replies.

[Pelle Brændgaard @PelleB]

88% of companies receiving stablecoin payments convert to USD immediately.

These companies are using stablecoins as payment rails and converting on arrival because the infrastructure to do anything else isn't there yet.

Which means the real product gap isn't "can I pay with stablecoins" — it's "can I pay with stablecoins and have it feel like every other payment my finance team processes."

That's the infrastructure problem we're solving with @notabene_id Flow.

[Pelle Brændgaard @PelleB]

Excited for us to partner with Better Money on bringing their infrastructure into Notabene Flow, the only stable coin native pull payment network at @notabene_id

[Tarek @meta_rek]

@PelleB @notabene_id Very exciting!!!!!

[Pelle Brændgaard @PelleB]

1/ US has finally chosen again to be leaders in the area of crypto regulation.

With this it will start moving quickly. I believe that by the end of this decade the vast majority of value being moved globally will be #stablecoins. This is the first step to continued US currency dominance in the future.

US were actually the first back in 2013 at offering clarity. This was the FinCEN guidance from 2013 that allowed @brian_armstrong to turn @coinbase into a rocket ship.

[Tarek @meta_rek]

Trump token showed that there are neither degens nor experts, just people chronically on X.

[Tarek @meta_rek]

@dberenzon Absolutely

[Tarek @meta_rek]

@gglangt :)

[Tarek @meta_rek]

Most interesting DeFi apps operating today:

- @ethena : A synthetic dollar protocol backed by ETH and BTC. It stabilizes its value through delta-hedging.
- https://t.co/bvg682UVtJ (duh!): A decentralized exchange for stablecoins. I believe there will be huge adoption for this type of application.
- @AerodromeFi : A mix of trading and swapping. I love the interface!

[Tarek @meta_rek]

aged worse than milk

[Peter Schiff @PeterSchiff]

@Rhythmtrader Keep dreaming. Bitcoin is never going to hit $100,000!

[Tarek @meta_rek]

Thesis on money movement

As we continue discussing why the future of money, as we perceive it, will change, it becomes clear that the tokenized dollar is no brainer to the evolution of monetary exchange.

Setting aside the commonly shared advantages of the tokenized dollar, imagine a world where money is no longer constrained by banking hours, outdated rails, or human error. A financial system where money transfers come at zero cost. This isn’t a prediction but rather a reality that has yet to be fully realized.

Tokenized dollars will be the fuel for payment processors. When I envision the tokenized dollar, I don’t see it as an additional layer in the current payment stack, though, for the time being, it may coexist with traditional systems in what’s often referred to as the “stablecoin sandwich.” Instead, I view it as the foundation of a completely parallel system that bypasses card network fees and banks.

The card network model has been extensively tried and tested, and countless startups have attempted to disrupt Visa and Mastercard. However, none have yet achieved true product-market fit. Closed-loop payment systems, branded cards, and loyalty programs may work in theory, but they’ve never addressed the core issue.

Do I think banks will disappear? Definitely not. But do I foresee card networks, interbank operations, and closed systems losing significant market share? Absolutely; I am confident in that.

Tokenized dollars will reduce payment margins to near zero. This will made us think of new ways to generate revenue; hence, providing real value!

[Tarek @meta_rek]

Bitcoin is bitcoining

[Tarek @meta_rek]

@dberenzon Why saying that out loud lollll

[Tarek @meta_rek]

Episode 25 is released!

Patrick O'Meara - Part 4: Misconceptions, Founder Experience, Vision

In this episode, Patrick O'Meara and I concluded our discussion on the most common misconceptions regarding crypto, founder experiences, and the future vision of blockchain.

As always, subscribe, like, and share ;)

https://t.co/BWjtMWPaNF

[Tarek @meta_rek]

ny is the state of crypto

[Tarek @meta_rek]

@vic4wong Love it