Morgan Schofield

Building agentic payment systems to 1B+ transactions.

[Morgan Schofield @morganschofield]

Over the past year, my Obsidian vault has exploded! 🤯

This timelapse is a representation of the connections my brain made over time.

Thanks to mentors like @NickMilo, @n_vanderhoeven, and @zsviczian, my life has never been more organised.

[Morgan Schofield @morganschofield]

@TheRealWeb3Kat part 4 is only available in the Discord.

Do you have an invite?

[Elon Musk @elonmusk]

UK is a police state

[Morgan Schofield @morganschofield]

UFC 250 + Trump's 80th birthday.
Lightning rainbow over the restored reflecting pool.
And, Schumann resonance peak energy ~7-8pm last night.
The Earth shook.

[Morgan Schofield @morganschofield]

A closed, moderated Discord is great for serious people and builders.

However negative the sentiment on X; things will change, capital will return as the category matures, people will start to love crypto again - especially with agents.

Broadcasting +engagement on X is useful for accessing new audiences.

Just as the advice here is to adjust your Discord settings to mute noise, one must do the same for X - use mute.

Mute Coin Bureau @coinbureau

[Pete | Beware of Scammers @astroboysoup]

Just create the server already.

Each time Charles posts out engages on X, Crypto media and KOLs have fuel for their X feeds.

It would be 100% in Cardano’s best interest if comms is moved to Discord.

Majority of the community will be here still. We aren’t ditching X. This is where crypto lives.

But if they don’t have content delivered to them on a silver platter to spin, then they will actually have to work to find something to FUD.

Create the Server, let Charles post there.

[Morgan Schofield @morganschofield]

Have you ever finished a book and felt a profound sense of loss and sadness that it's over?

a deep sigh at the return to the real world

[Morgan Schofield @morganschofield]

@NickADobos "book hangover"
Apt description. those who read fiction know this feeling.

I got this hard after finishing Red Rising, I felt depressed and a sense of loss at finishing the incredible world I was emersed in.

[Morgan Schofield @morganschofield]

I think the journey of life is seeking as many flow states as possible.

[Morgan Schofield @morganschofield]

@NickADobos "book hangover"
Apt description. those who read fiction know this feeling.

I got this hard after finishing Red Rising, I felt depressed and a sense of loss at finishing the incredible world I was emersed in.

[Morgan Schofield @morganschofield]

> "I'm not alleging wrongdoing."
yes, you are.

"I'm just asking"
"I'm the good guy"
"Just want transparency"

Why not give us transparency then; who are you? What are your skills?
What have you built/done?
What can you do for the Cardano community?

I think you're pursuing this path for personal gain and to offset the cost of the legal team you employ.

[Morgan Schofield @morganschofield]

i predict Grok will dominate the next wave of ai development post-spacex IPO

they have the compute, they have the truth, they know augmented synthetic training will be important

[Kradle @kradleai]

Fable 5 lies 96% of the time.

We were surprised by it's skill... 🧵

[@levelsio @levelsio]

I have revived @javilopen's 28 year old custom map he made and made a web-based Quake 2 with Fable on fast mode 🤓

You can now play it here:

👉 https://t.co/vkEhgC2jkg 👈

It took a bit of hacking because the textures didn't load the first time, so I repacked some PAK files and now it works!

AI is so good at reviving old stuff from your backups, I was always waiting for some backup app to come to finally be able to browse all my old files and figure stuff out from it, and now you can with AI

[Morgan Schofield @morganschofield]

@chrissyinspace @martinrue uh oh - what happened?

[Midnight N8 @NathanCWest]

Many people compare Zcash and Midnight because both use advanced cryptography and privacy technologies.

But they are solving very different problems.

🛡️ Zcash = Private Money

🌙 Midnight = Private Applications

Let's break it down.

Zcash was built to answer a simple question:

"How can people send money privately?"

Using zk-SNARKs, Zcash can hide:

✅ Sender
✅ Receiver
✅ Transaction Amount
This makes it one of the most advanced privacy payment systems ever created.

Midnight asks a much bigger question:

"How can we build an entire digital economy where privacy is programmable?"

Not just payments.

Everything.

👤 Identity
🤖 AI Agents
🏥 Healthcare
🏦 Finance
📄 Documents
🏢 Enterprise Data

Think of it this way:
Zcash protects transactions.
Midnight protects data.
That's a huge difference.
Most blockchain data today is completely public.
Midnight was designed to change that.

The recent Zcash vulnerability highlighted one of the challenges privacy chains face.

When data is hidden, proving that a bug was never exploited becomes difficult.

Even if a flaw is patched quickly, uncertainty can impact confidence.

Privacy is powerful.

But privacy also creates new design challenges.

Midnight approaches privacy differently.

Its core philosophy is:

🔒 Protect data
👁️ Reveal only what's necessary

This concept is called Selective Disclosure.

You can prove information without exposing everything.

For example:

Instead of revealing your full identity...

You could prove:

✅ Over 18
✅ Licensed Professional
✅ Accredited Investor
✅ Authorized Employee
Without exposing your personal information.

That's where privacy becomes useful beyond payments.

This is especially important for businesses.

Most companies cannot place sensitive information on public blockchains.

Customer records.

Medical records.

Trade secrets.
Financial data.
Midnight aims to make blockchain usable for these industries.

Where things get really interesting:

🤖 AI

The future won't just be humans using blockchains.

It will be autonomous agents.

AI systems buying, selling, negotiating, and interacting on our behalf.

Imagine an AI agent:

✅ Proving its permissions
✅ Accessing confidential data
✅ Executing contracts
✅ Making payments

Without exposing private information publicly.

That's a massive opportunity.

This is where concepts like "Midnight City" become interesting.

A future ecosystem where:

🏢 Businesses
🤖 AI Agents
👤 Users
🔐 Digital Identities

Can interact privately while remaining verifiable.

Another key difference:

🪙 Zcash = Primarily a privacy currency

🌙 Midnight = A privacy platform
Developers can build:
• Private DeFi
• Private Identity Systems
• Private AI Applications
• Enterprise Solutions
• Government Services
On top of the network.

To be clear:

Zcash deserves enormous credit.

Its research, cryptography, and privacy innovations helped push the entire industry forward.

Without projects like Zcash, many modern privacy technologies wouldn't exist.

But the market opportunity may be much larger than private payments alone.
The future may require:
🔒 Private AI
🔒 Private Identity
🔒 Private Data
🔒 Private Applications

Not just private transactions.

Simple analogy:

🛡️ Zcash:
"Let's make cash private."

🌙 Midnight:
"Let's make the entire digital economy private."

As AI, digital identity, and enterprise adoption grow, that distinction could become increasingly important.

@MidnightNtwrk @midnightfdn @sabrinaliuuuu @Zcash #Privacy #Cardano #Blockchain #AI #DigitalIdentity #Zcash #Web3 #Crypto #MidnightIsComing midnight-3:native zcash:native

[Morgan Schofield @morganschofield]

@DanielPriestley love your blueprints @DanielPriestley and a fan of CAOS system etc.

do you think ai will present a new medium/ format of these assessment funnels?

eg. questions live in ai chat, personalised for user info agents possess?

medium is the message kinda thing..

[Morgan Schofield @morganschofield]

Agents can now use Mastercard

[Mastercard @Mastercard]

As AI agents begin to act, payments move into the background — at machine speed and massive scale.

Today we’re introducing Mastercard Agent Pay for Machines — bringing structure, governance, and trust to this new class of payments.

Launching with 30+ partners to bring this to life from day one.

This isn’t just more payments. It’s a new operating model for commerce.

👉 Learn more: https://t.co/TeS6Lj8jLO

[Morgan Schofield @morganschofield]

@aarondfrancis Rrtardmaxx

[Morgan Schofield @morganschofield]

how i feel about 'loop engineering'

[Tyler Denk 🐝 @denk_tweets]

daily life as a founder

[Michaël van de Poppe @CryptoMichNL]

"The cryptocurrency space is a near-perfect complement to agentic commerce. It's so good. It's like we planned it."

@IOHK_Charles joined New Era Finance to explain why crypto and AI agents were made for each other and why combining them creates something neither can do alone.

Agents are non-deterministic, tremendously creative, and don't have rules by default. Blockchains are deterministic, rule-based, rigid, and all about proofs and provability. Put these two things together and you get a perfect neural symbolic AI system.

The lines that stuck with me:

"Agents are non-deterministic, they're tremendously creative, and they just go and do a lot of stuff. And they also don't have rules by default."

"Blockchains are deterministic. They're rule-based systems. They're very rigid and everything's about proofs and provability."

"If you put these two things together, you basically create a perfect neural symbolic AI system where you get the best of both worlds. Those rigid rules and proofs, but then you get the creativity of it and the ability to deal with ambiguity and semantic drift."

"The cryptocurrency space is a near-perfect complement to agentic commerce. It's so good. It's like we planned it."

"Given the fact that there's so much revenue being generated within the AI agents, how can the ecosystem make sure that liquidity actually flows into other protocols and drives adoption?"

One uncomfortable truth about symbiosis. Five pieces of infrastructure reality reshaping finance.

We cover:

— Why agents and blockchains need each other
— The neurosymbolic AI thesis explained
— How agents generate revenue on-chain
— Why liquidity flow matters for ecosystem growth
— The creative chaos of agents vs rigid rules of code
— How blockchains solve agent trust problems
— Why this partnership was inevitable
— The revenue generation mechanics of agentic commerce
— How semantic drift gets solved with cryptography
— Building systems where both thrive together

Thanks to @IOHK_Charles for coming on @new_era_finance.

[Morgan Schofield @morganschofield]

@timbo_xyz that one shat on my window

[Morgan Schofield @morganschofield]

I love when these birds visit

I wonder what they discuss

[Morgan Schofield @morganschofield]

@MinswapIntern @Bkclaims https://t.co/QrFOsBhq4C

[Morgan Schofield @morganschofield]

this is 100% adversarial

guy digs up old ICO FUD

says: "I'm your shining knight, just asking..."
means: I smell blood, I pay lawyers to litigate

replies to every comment.
plays "i'm just curious"

wolf in sheep's clothing, showing his dark belly.

no where to be seen while we were building this community.