Will White retweeted
“Among people open to trying DeFi, saving money and sending money in the U.S. topped the list of potential uses, rather than speculation.”
🚨NEW: Americans are more supportive of financial innovation when it’s framed broadly than when it’s explicitly tied to crypto.
A new survey from @fund_defi and @Ipsos found 35% say political candidates should support building the next generation of financial technology in the U.S., but just 13% say the same when asked about blockchain, crypto and DeFi.
That gap reflects a broader trend of companies moving away from identifying solely with crypto, with @a16zfrontier the latest example.
The survey also points to a challenge for the industry: 74% say the financial system needs changes to give people more control over their money and assets, but only 9% say they’re very or extremely familiar with crypto, and just 5% have complete or a lot of trust in decentralized platforms.
Among people open to trying DeFi, saving money and sending money in the U.S. topped the list of potential uses, rather than speculation.
Crypto ownership is up 4 percentage points, but past year use stayed flat at 13%.
My takeaway: Crypto still has a branding problem in 2026 and a long way to go to prove its value to everyday Americans.
Will White retweeted
BCG: "Global fintech revenues surpassed half a trillion dollars in 2025, growing 22% year over year. That also means fintechs outgrew traditional financial services four-fold and now account for approximately 4% of total global financial services revenue".
Will White retweeted
One old crypto-cypherpunk idea that I think will come back with a vengeance is autonomous organizations, where you combine the automation of smart contracts for deterministic functions + ai for subjective input: DAOs 2.0.
User-ownership on the internet sounds incredible until you need to figure out how to compensate everyone fairly.
Bitcoin rewards hash rate. DeFi rewards liquidity. But how do you measure and reward contributions that aren't so easily quantified?
@jessewldn on how AI might solve one of crypto's hardest problems: allocating ownership at scale.
Will White retweeted
A lot of ink has been spilled by various trade groups over whether the GENIUS act and new spate of trust bank charters are good or bad. But all of that overlooks the fact that market participants can still do things.
Here’s a community bank based in the Bay Area that’s rolling up its sleeves and competing with it’s own tokenized deposit offering — something most of the new trust bank charter holders can’t do because they don’t and won’t have FDIC insurance.
Unless it was never about Coinbase and Ripple having charters. And the real threat is longstanding trust bank owners like ADP?
Meet SoFi Earn (SOFIE), with 4.40% APY* and FDIC protection.^ 📣
It's the first-ever bank deposit token for SoFi Crypto, designed to provide a home for idle crypto funds, like stablecoins. Buy and hold SOFIE to earn interest and protect your deposit.
Learn more about SoFi Earn today 👉 sofi.com/crypto/earn/?nocach…
Will White retweeted
Depending on who you talk to, our industry growing up is either doom or glory.
We are finally globally relevant and that necessarily means we are less insular.
Because this industry was created by the stubborn resolute and unwavering conviction of contrarians, misfits, and fringe actors, we relished in the pirate mindset. We loved our insularity. (Tbh, I miss it too at times).
The “web3” thesis where programmable blockchains are supposed to be decentralized computing infrastructure for many apps ultimately incinerated billions of dollars of venture capital because it led tech minded builders and their investors to prioritize app sovereignty over unified liquidity. This was wrong on first principles.
As it turns out, blockchain has and always will be financial infrastructure. Finance superpowered by tech and programmability. Decentralization, neutrality, and censorship resistance have never been more important.
Whether this excites you going forward depends on whether you’re more west coast or east coast; San Francisco or New York; more tech or finance minded.
From the west coast crowd, I often hear disappointment (“oh in the end blockchain is only about finance?! That’s it?”)
I couldn’t be more excited, and I think the mandate has never been more clear and also attainable.
Capital formation isn’t an abstract thing that bankers do when you are ready to IPO.
Capital formation enables innovation. It allows us to take big bets on the future. Liquid markets enable capital formation. Over the long term, there can not be a larger global capital market than the internet capital market. The biggest market to possibly unify is that of people on the internet who use money.
Like all things the internet has ever touched, the online/onchain experience is never the same as the pre internet experience. Just as we needed network engineers to imagine and build blockchain networks, we need consumer tech minds to complement finance minds to deliver new ways of accessing finance.
This is not and has never been a small vision for blockchain. In fact, I would argue that it’s a core intent of a “peer to peer electronic cash network.”
We welcome those who want to double down on finance for the internet to come join the Solana ecosystem and make good on this mission.
I think it’s fine and even great that the risk-on talent from blockchain is now expanding new frontiers away from blockchain. New frontiers are only ever explored by those with stubborn resolute unwavering conviction.
My take on a16z crypto moving into frontier tech.
First, I'll always be grateful to a16z for helping validate the space back in 2013 when Chris Dixon led their investment into Coinbase, which got me even more excited about crypto.
But the final nail in the coffin for my previous career, and what ultimately pushed me to pivot my entire career into Bitcoin, was Marc Andreessen's 2014 NYT oped, Why Bitcoin Matters. If you haven't read it, suggest reading it. It's still important to this day.
A lot of people have probably forgotten, but in those days we were all just looking for external validation. Very few institutions or funds were willing to publicly endorse crypto, and two of the funds that took a real brand risk were a16z and USV.
Since then, we've seen some of the most incredible talent enter the space and fundamentally reshaped what crypto is today.
You can actually argue that a lot of the AI infrastructure development we're seeing today wouldn't be where it is without Bitcoin mining infrastructure and the talent that flowed from crypto into AI. There is a real connection between the two industries that I don't think gets enough credit.
Now, moving from crypto into frontier tech, whether that's robotics, bio, AI, energy, compute etc just means to me that the talent and muscle we developed building crypto over the past decade can now be used to build across all of frontier tech.
We spent years building something that was nascent, misunderstood, and in many cases hated by the world. We developed thick skin, continued investing and building, and had to constantly show the world why this tech mattered. Even during thanksgiving dinners.
And I think that makes us uniquely suited to build frontier tech.
An example is data centers. Today, people and governments are increasingly pushing back against them. Well, people and governments hated crypto too, but we continued to invest and build, and now almost all of trad finance is embracing crypto in some capacity.
I believe frontier tech represents the next generation of pirates in technology. People willing to build things that are nascent, misunderstood, and sometimes hated by the world.
We're going to be hated and loved along the way, but we're going to keep building cool shit that the world hasn't recognized the importance of yet.
And crypto taught me that the world usually doesn't recognize the importance of new tech until years later which is why I stay close to talent
Will White retweeted
My take on a16z crypto moving into frontier tech.
First, I'll always be grateful to a16z for helping validate the space back in 2013 when Chris Dixon led their investment into Coinbase, which got me even more excited about crypto.
But the final nail in the coffin for my previous career, and what ultimately pushed me to pivot my entire career into Bitcoin, was Marc Andreessen's 2014 NYT oped, Why Bitcoin Matters. If you haven't read it, suggest reading it. It's still important to this day.
A lot of people have probably forgotten, but in those days we were all just looking for external validation. Very few institutions or funds were willing to publicly endorse crypto, and two of the funds that took a real brand risk were a16z and USV.
Since then, we've seen some of the most incredible talent enter the space and fundamentally reshaped what crypto is today.
You can actually argue that a lot of the AI infrastructure development we're seeing today wouldn't be where it is without Bitcoin mining infrastructure and the talent that flowed from crypto into AI. There is a real connection between the two industries that I don't think gets enough credit.
Now, moving from crypto into frontier tech, whether that's robotics, bio, AI, energy, compute etc just means to me that the talent and muscle we developed building crypto over the past decade can now be used to build across all of frontier tech.
We spent years building something that was nascent, misunderstood, and in many cases hated by the world. We developed thick skin, continued investing and building, and had to constantly show the world why this tech mattered. Even during thanksgiving dinners.
And I think that makes us uniquely suited to build frontier tech.
An example is data centers. Today, people and governments are increasingly pushing back against them. Well, people and governments hated crypto too, but we continued to invest and build, and now almost all of trad finance is embracing crypto in some capacity.
I believe frontier tech represents the next generation of pirates in technology. People willing to build things that are nascent, misunderstood, and sometimes hated by the world.
We're going to be hated and loved along the way, but we're going to keep building cool shit that the world hasn't recognized the importance of yet.
And crypto taught me that the world usually doesn't recognize the importance of new tech until years later which is why I stay close to talent
Banking is 5+ millennia old. It has always adopted any new technology that gives someone an edge.
People getting territorial about made up subcategory names we've given the tech is super tedious.
Anyone who thinks “enterprise sales” will save this has clearly never been through a bank procurement process
Exclusive: Anthropic's draft IPO filing reveals red-hot growth, massive computing costs and an $80 billion net loss. Here are the highlights. on.wsj.com/3WmyWAR
Will White retweeted
We just sent the SEC our comment letter on Regulation Crypto Assets.
Our goal is to give every token one current, public record to make onchain compliance cheaper and faster.
Our asks:
1) Let projects file disclosures through Qualified Onchain Disclosure Agents
2) Let third parties file on behalf of projects
It's time we protect investors so we can protect this industry.
cdn.blockworks.com/s/assets/…
Every crypto primitive from the 2017-21 era is coming back as core infrastructure for the future.
Few have grasped this yet.
NFTs are an area of crypto that i think deserves another look
the 2021 boom and subsequent crash left a lot of people with a negative view of them, but the underlying concept still makes sense to me
as more businesses move onchain, NFTs could become a useful way to represent ownership, experiment with revenue sharing and build communities around products
i expect there's still a lot of room for experimentation beyond the NFT models we saw last cycle
Also recommend this video if you want a sober view of where NFTs may fit in the future
youtu.be/YCtcYNCgElg?is=xoF2…
The prediction he'd bet on for the next 12 months: the number of AI agents holding crypto is about to explode.
@sadbryce, Co-Founder and CEO of @turnkeyhq, on why RWA is underrated and the hardest problem in stablecoin infrastructure right now. Check out the Agora Quickfire 👇
Will White retweeted
First they ignore you, then they laugh at you, then they fight at you, then they add you to their Long-Term Capital Markets Assumptions paper and predict you'll be the best-performing asset of the next decade.
Will White retweeted
WalletConnect powering crypto since 2018
Congratulations to @zerohashx 🤝~ they join other partners like @meshpay @CoinbaseBiz and others who use @WalletConnect for secure connectivity and auth via our network.
Making crypto secure and easy to use is an essential part of creating better experiences for businesses and end users.
Will White retweeted
Congratulations to @zerohashx 🤝~ they join other partners like @meshpay @CoinbaseBiz and others who use @WalletConnect for secure connectivity and auth via our network.
Making crypto secure and easy to use is an essential part of creating better experiences for businesses and end users.
Will White retweeted
News: JPM Coin (JPMD), @jpmorgan's USD deposit token, is now live on @ethereum.
JPMD extends from Base to Ethereum L1, giving institutional clients native onchain cash that sits alongside the assets, collateral and counterparties they transact with already.
J.P. Morgan has now added a cash leg to the products it already live on Ethereum mainnet, with tokenized money market funds MONY and JLTXX both already on the network.
Ethereum is the home of onchain finance.
Will White retweeted
ICYMI…Goldman, Wells Fargo and Morgan Stanley all brought up tokenization on their Q3 earnings calls:
- @WellsFargo: tokenized deposits already settling some crossborder payments in 2 minutes or less
- @GoldmanSachs: David Solomon compared it to the shift to electronic trading
- @MorganStanley: sees it as an opportunity for its wealth business, since clients will need advice on tokenized assets
Will White retweeted
While crypto is gripped by fear, the buildout of digital asset infrastructure and tokenized financial markets accelerates unbothered
Big divergence between price action and institutionalization
What’s happened past few days:
• Visa takes USDC prefunding into commercial production
• BNY and Citadel Securities execute a triparty repo using tokenized Treasuries
• Interactive Brokers launches ETH staking
• DRW and Marex execute an OTC swap referencing a tokenized S&P index
• Deutsche Bank prepares to launch crypto custody
• Charles Schwab is expanding its crypto offering to include deposits and withdrawals to external wallets































