Legend Yee

⚡️搞理财的来看一下，Robinhood Earn 上线了—— 通过自我托管钱包在链上借出 USDG，预计年化 7%。 Robinhood 自己不生成收益，而是把用户的稳定币存款路由到 Morpho 上由 Steakhouse 策展的金库；金库把 USDG 出借给蓝筹加密资产 / RWA 抵押的借款市场，并接入Spark @sparkdotfi 的收益基础设施。所以这个 7% 收益来源本质是：借贷利差 + Spark 储蓄利率 + RWA/国债端收益的组合。这个也是完美契合 Spark 前面为稳定币互换需求爆发准备的 Stablecoin FX Layer 设计了！

Bitwux's tweet photo. ⚡️搞理财的来看一下，Robinhood Earn 上线了——

通过自我托管钱包在链上借出 USDG，预计年化 7%。

Robinhood 自己不生成收益，而是把用户的稳定币存款路由到 Morpho 上由 Steakhouse 策展的金库；

金库把 USDG 出借给蓝筹加密资产 / RWA 抵押的借款市场，并接入Spark @sparkdotfi 的收益基础设施。

所以这个 7% 收益来源本质是：借贷利差 + Spark 储蓄利率 + RWA/国债端收益的组合。

这个也是完美契合 Spark 前面为稳定币互换需求爆发准备的 Stablecoin FX Layer 设计了！

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yicq137 retweeted

Gap | Suby

@gaspardlezin

17 days ago

If you're still moving money globally on SWIFT, you're paying for infrastructure designed in 1973. Cross-border payments are one of the most broken parts of finance. The numbers say it all: - Over $150 trillion crosses borders every year - The average B2B cross-border payment takes 2–5 business days - Fees run 1.5%–6% for businesses, and 8%+ on average for remittances to Africa - A meaningful share of payments still fail or get stuck in transit The real problem is fragmentation. Every region runs on its own rails, its own regulations, its own licensed providers. Brazil moves on PIX. Nigeria on mobile money. India on UPI. Argentina lives with capital controls. And in each market, a different set of specialized players actually moves the money. Here's a quick overview of who's moving money across borders today, region by region (full, detailed mapping in the comments 👇): 🇺🇸 North America, the API-first layer Bridge · Brale · Modern Treasury · Bastion · Crossmint · Sphere Labs · Mesh 🇪🇺 Europe, MiCA-native, EU passporting Currencycloud · Wise · Merge · Fipto · Depa · Venly 🌎 Latin America: built around PIX, SPEI, local FX Bitso · Koywe · BlindPay · Cobre · CambioReal · Trace Finance · Infinia 🌍 Africa: mobile money meets stablecoins Yellow Card · Flutterwave · Kotani Pay · HoneyCoin · VALR · Paychant 🌏 Asia-Pacific: the fastest-growing corridor Triple-A · Tazapay · FOMO Pay · Coins ph · Walapay And these are just the regional anchors. Several of these players operate across multiple corridors, Bridge, Triple-A, and Walapay among them, so the real map is far more interconnected than any single region suggests. The full breakdown is in the comments. The catch? No single provider covers more than a fraction of it. To go truly global, you'd integrate 10, 15, 20 of them, each with its own API, its own compliance, its own pricing. Expensive. Slow. Brittle. And the shift underneath all this is real: in 2024, stablecoins processed $15.6 trillion in volume, on par with Visa (ARK Invest). They settle in minutes, move 24/7, and skip correspondent banks entirely. So if you want all of this in one place, a single API that plugs into the whole network instead of stitching it together yourself, that's exactly what Borderless does. One integration, 94+ countries, 63+ currencies, with smart routing, failover, and unified compliance built in. Mastercard just tapped them as a launch partner for its Crypto Partner Program, alongside Circle, PayPal, and Ripple. Cross-border payments don't need another bank. They need a new network. PS: I post every week about payments with Suby, stablecoins & the reality of cross-border infrastructure. Follow for more.

$gaspardlezin's tweet photo. If you're still moving money globally on SWIFT, you're paying for infrastructure designed in 1973. Cross-border payments are one of the most broken parts of finance. The numbers say it all: - Over $150 trillion crosses borders every year - The average B2B cross-border payment takes 2–5 business days - Fees run 1.5%–6% for businesses, and 8%+ on average for remittances to Africa - A meaningful share of payments still fail or get stuck in transit The real problem is fragmentation. Every region runs on its own rails, its own regulations, its own licensed providers. Brazil moves on PIX. Nigeria on mobile money. India on UPI. Argentina lives with capital controls. And in each market, a different set of specialized players actually moves the money. Here's a quick overview of who's moving money across borders today, region by region (full, detailed mapping in the comments 👇): 🇺🇸 North America, the API-first layer Bridge · Brale · Modern Treasury · Bastion · Crossmint · Sphere Labs · Mesh 🇪🇺 Europe, MiCA-native, EU passporting Currencycloud · Wise · Merge · Fipto · Depa · Venly 🌎 Latin America: built around PIX, SPEI, local FX Bitso · Koywe · BlindPay · Cobre · CambioReal · Trace Finance · Infinia 🌍 Africa: mobile money meets stablecoins Yellow Card · Flutterwave · Kotani Pay · HoneyCoin · VALR · Paychant 🌏 Asia-Pacific: the fastest-growing corridor Triple-A · Tazapay · FOMO Pay · Coins ph · Walapay And these are just the regional anchors. Several of these players operate across multiple corridors, Bridge, Triple-A, and Walapay among them, so the real map is far more interconnected than any single region suggests. The full breakdown is in the comments. The catch? No single provider covers more than a fraction of it. To go truly global, you'd integrate 10, 15, 20 of them, each with its own API, its own compliance, its own pricing. Expensive. Slow. Brittle. And the shift underneath all this is real: in 2024, stablecoins processed $15.6 trillion in volume, on par with Visa (ARK Invest). They settle in minutes, move 24/7, and skip correspondent banks entirely. So if you want all of this in one place, a single API that plugs into the whole network instead of stitching it together yourself, that's exactly what Borderless does. One integration, 94+ countries, 63+ currencies, with smart routing, failover, and unified compliance built in. Mastercard just tapped them as a launch partner for its Crypto Partner Program, alongside Circle, PayPal, and Ripple. Cross-border payments don't need another bank. They need a new network. PS: I post every week about payments with Suby, stablecoins & the reality of cross-border infrastructure. Follow for more.$