Rian

Building @minipay @coinfolks.

[Rian @riandrns]

@angelinevivian_ @coinbase @base @baseindo You’ve got this vi. Something better will come!

[MiniPay @minipay]

We are live right now with @CeloDevs and @scozky, talking ecosystem support as a builder on @Celo, going live in MiniPay and the journey to now processing over $2M in monthly volume as an on/off-ramp in Nigeria.

https://t.co/BjFOU9pPiW

[Rian @riandrns]

One of the biggest drivers of crypto adoption will be Stablecoins & Payments. That’s why I’m excited to join @minipay as Community Manager for Indonesia. If you’ve ever used @opera, Minipay is part of it.

With 15M+ active wallets globally and 430M+ transactions, Minipay is now entering Indonesia, and I’ll be leading the movement.

If you’re a project or community owner in Indonesia, let’s talk🤝

[Rian @riandrns]

@algerstmehn @AlgoFoundation @AlgoFamily @Mr_Algosla @AlgorandReport Deserve it👏

[Rian @riandrns]

See you today

[Tokocrypto @Tokocrypto]

Ngabuburit makin seru bareng Tokocrypto! 🌙✨

Siap-siap ikut diBeduk-in Live bareng para speaker keren:
Vanessa @vibixuee , Adriansa (Coinfolks) @coinfolks , Andreas Tobing @andreasrtobing_ , dan Fara Fernandez @oddfara_ 🔥

Selama Ramadan, kita bakal hadir dengan:
✔️ 4 sesi Live TikTok
✔️ Insight seputar web3 & crypto
✔️ Total hadiah 2 juta* rupiah
✔️ 12 set merchandise Ramadan

Ngabuburit nggak cuma nunggu waktu berbuka, tapi juga upgrade insight 🚀

Pantengin terus TikTok Tokocrypto, karena tanggal live-nya bakal diumumin segera!🤩

Siapa yang paling kamu tunggu? 👀✨
Tag teman ngabuburit kamu di kolom komentar ya!👇🏻

#Tokocrypto #ExchangeIndonesia

[MEXC ID @MEXC_ID]

Web3 Career: Real Deal atau Cuma Overhyped?
Gaji gede? Remote? Future-proof?
Atau cuma hype & FOMO semata? 🤔

Cari jawabannya langsung di Exclusive AMA IG Live bareng:
🎙️ Ellia: MEXC Ventures Marketing Manager
🎙️ Rian: Co-Founder CoinFolks

🗓 Senin, 16 Februari 2026
⏰ 20.00 WIB

🎁 50 USDT untuk 10 orang beruntung!

Follow IG MEXC ID https://t.co/mk1ttMsR4N save the date sekarang! 🔥

[Rian @riandrns]

Maya closes her café at 10 PM. Counts cash. Sighs. The money will sit in a bank until Monday. No interest. No flexibility.

She starts parking idle funds via @FolksFinance instead.
Clear rates. On-chain visibility. No waiting for business hours. Her café closes at night. Her capital doesn’t.

[Rian @riandrns]

Kevin checks his phone while brushing his teeth. Email. Slack. Bank app. His savings? Still doing nothing.

With Folks Finance liquid staking, his assets stay working while still usable. Not locked away. Not frozen. Just productive.

He didn’t change his routine. His money did. That’s the kind of finance people actually keep using.

[Rian @riandrns]

Daniel manages treasury for a regional SaaS company.

His problem wasn’t returns. It was idle money. Millions sitting in accounts, earning close to nothing, but too important to gamble.

Banks gave safety. DeFi felt too chaotic. Then he found @FolksFinance on Algorand,transparent rates, clear mechanics, no “yield farming circus.”

He wasn’t chasing alpha. He was optimizing idle capital. Sometimes the smartest move isn’t risk-on. It’s waste-off.

[Rian @riandrns]

Mario imports electronics. Sometimes he needs short-term capital for inventory. Banks asked for paperwork that took weeks. By the time approvals came, the opportunity was gone.

Using @FolksFinance, he could borrow quickly,
knowing exactly what would happen if prices moved. No waiting rooms. No favors. Speed wasn’t a luxury, it was survival.

How many businesses fail because finance moves too slowly?

[Rian @riandrns]

Jay runs a local fintech app. He moves liquidity across regions to keep payments running. Banks made that painful. Different currencies. Different rules. Slow settlement.

He didn’t need another partner bank. He needed infrastructure. @FolksFinance gave him crosschain liquidity that behaved consistently, without worrying which system he was touching. When money moves globally, systems should too.

Do we underestimate how much infrastructure slows innovation?

[Rian @riandrns]

Maria manages a small logistics company.

Fuel costs fluctuate. Invoices get paid late. Banks want collateral she can’t easily provide. She doesn’t want to “play crypto.” She just wants working capital when she needs it.

With @FolksFinance, she found predictable borrowing terms and clear liquidation rules she could actually understand. No relationship manager. No negotiation. Just rules.

For her, DeFi wasn’t risky, uncertainty was. What matters more to SMEs: trust in people, or clarity in systems?

[Rian @riandrns]

Robin runs a small textile export business.

His biggest problem wasn’t sales, it was timing. Banks closed at 4 PM. International transfers took days. Cash flow gaps kept slowing him down.

He didn’t need a bigger loan. He needed faster access to capital. Through @FolksFinance , he could borrow against assets on-chain, without waiting for office hours or approvals. For the first time, his business moved at internet speed.

Why should global business still run on banking hours?

[Rian @riandrns]

Maya is a developer. She doesn’t tweet. She doesn’t chase narratives. She cares about one thing:
“Can I explain this honestly to users?”

That’s why she likes @FolksFinance . The rules don’t change randomly. Risk is clear. Liquidations aren’t emotional.

She said, “I don’t want flexibility. I want predictability.”

Isn’t that what finance is supposed to be?

[Rian @riandrns]

I have a friend who used to be deep into DeFi. Charts all day. Notifications on all night. Always “managing” something. Now he’s still in crypto, just way calmer.

He told me:
“I’m done chasing adrenaline.”

These days, he uses @FolksFinance for the boring stuff: lending, borrowing, managing risk. And that’s exactly why he sticks around. Ironically, what keeps people in DeFi now isn’t excitement, it’s peace of mind.

Is DeFi growing up… or are we just exhausted?

[Rian @riandrns]

My sister is not a crypto person. She doesn’t care what chain she’s on. She doesn’t know what TVL means. She definitely doesn’t read threads. But she still uses DeFi. Why?

Because with @FolksFinance, she only had to understand a few things: borrow, interest, risk.

That’s it. No drama. No “important announcements.” No re-learning every month. The funny part? She doesn’t even think of it as “using DeFi.”

That’s probably what real adoption looks like. Do we really need to teach people DeFi… or just stop making it hard?

[Rian @riandrns]

Coinbase, Bitcoin Suisse, and even a16z have mentioned the risks quantum computing poses to Bitcoin & Blockchain in their 2026 outlooks. Vitalik warned about this multiple times last year as well.

Yet most people still don’t care. Human nature, if it hasn’t happened yet, it’s ignored.

Meanwhile, #Algorand is already post-quantum ready and has executed quantum-secure transactions.

Algorand is one step ahead. You just haven’t realized it yet.

[Rian @riandrns]

Last year, Robert was deep in DeFi.

5 tabs open. 3 wallets. 2 chains bridged daily. At first it felt exciting. Then it felt exhausting. He didn’t quit DeFi because he lost money. He quit because managing it felt like a job.

What pulled him back wasn’t higher APY, it was Folks Finance. Crosschain lending that didn’t ask him to constantly move things around. Clear rules. Predictable behavior.

DeFi didn’t need to be exciting anymore. It just needed to stop draining his energy. That’s when it clicked for him, boring finance is actually usable finance.

Where did DeFi start feeling like “too much” for you?

[Rian @riandrns]

Most people didn’t quit DeFi. They just got tired.

Tired of choosing:
• which chain
• which bridge
• which wallet
• which dashboard
• which risk model

DeFi didn’t become too complex, it became too demanding. That’s why @FolksFinance stands out to me. It’s not trying to give users more power. It’s trying to give them less to worry about.

Crosschain lending that behaves consistently. Clear rules instead of judgment calls. Systems that work the same way on good days and bad days. Good finance shouldn’t feel like a daily decision tree. It should feel like something you set up… and trust.

Do you think DeFi’s next phase is about more features or less friction?

[Rian @riandrns]

@rotimi20000 @FolksFinance Love how Folks Finance layers oracle sources instead of cutting corners. Median aggregation, coherence checks, freshness checks… this is proper infra thinking, not just “good enough for now.” Big confidence booster for $FOLKS long term.