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? The Dinarian on Locals brings you the latest in news, interviews, in-depth conversations, and stories from across the blockchain and global communities—within and beyond cryptocurrency ?. Experts delve into how blockchain technology is reshaping industries, enhancing business networks ?, transforming transaction workflows, and advancing distributed ledger systems ??. We also explore intriguing topics that may venture into the realm of conspiracies—and so much more!
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thedinarian@thedinarian
September 09, 2022
⚠️Clif High - Panic! 2022!⚠️

(Dinarian Note: Something to think about: If the evil petro-dollar is on it's way out.. is any stablecoin pegged to it really a safe-haven? Or is it better to be in Cryptos and silver during the transformation? 👉Not financial advice, just something to be thinking about as we move forward.)

Remember! Deep, slow, breathing!

Panic, it turns the mouth into a dessert with the tongue a rough and scaly petrified log resting on the sand. It heats the throat, pressurizes the lungs, constricts the heart, and empties the bowels and bladder with force that feels like it is draining away your very life.

Panic! It’s the most powerful of our active emotional complexes.... the one that can destroy the mind and all reason, in an attempt to preserve the body during assault. Panic drives the body and mind into an intensity equaled by no other emotion. Panic! It’s designed by universe as the last employable strategy when your mind is saying that Life Itself is about to be lost.

Panic grabs all the millions of bundles of existing stress in your body into a rope, twisting until they all start screeching under the strain, demanding of the Mind and Will some form... any form of release from the pressure.

Panic! As with all emotions, it’s contagious.

Panic spreads rapidly. The speed of transmission through a population is a defining characteristic of panic. Panic jumps from person to person with the very spark of communication, faster than electricity, at nearly the speed of Thought. Panic spreads fast.

There is no panic like a banking panic. Especially for speed of transmission, though it is the depth of penetration of the panic that is remembered in history, not usually the rapidity of its spread, as banking panics always are followed by society changing periods that last for years.

The Panic of 1893 led to four hard years that nearly destroyed the middle class in the USA. This panic also prompted political changes that participated in the Anti-Masonic movement that produced the ‘anti-mason laws’, as well as two, new, national political parties, one of which would go on to take the Presidency in just 10 years time.

The Panic of 1893 took out 500 banks, over 15,000 businesses, 4 major railroads, the nascent steel industry, and nearly sent Washington State back to the status of Territory. The Panic struck just 4 short, exuberant years following statehood being granted to Washington. During those 4 years, Washington had the fastest growing population on the North American continent. Census figures record some areas growing 20 fold over those first four exciting years of statehood as men, machinery, and money, moved in to harvest the plentiful resources of timber, fish, and irrigation free (due to rainfall) farming. Washington was a ‘booming’ place.

In fact, it was so ‘booming’ that the sentiment became a sales slogan.

Seattle boosters called their city "the boomingest place on the earth," and British author Rudyard Kipling described Tacoma in 1889 as "literally staggering under a boom of the boomiest" (Kipling, 43). www.historylink.org/file/20874

Always, both booms and banks will fail, and the banking Panic of 1893 sparked across the minds of men, igniting the explosion of confidence that ruptured the Washington state, as well as national, confidence. First the capital flow into the state shrunk, then reversed sharply, until funding on any commercial venture could be characterized as ‘impossible to obtain’. Within just 18 months following the panic, Washington state, the fastest growing state in the Nation, began to see municipalities fail, the infrastructure crumble, and the population abandon the area. The effects of the Panic of 1893 on Washington were still being felt four decades later in the 1940s as the state was best known for being the home of ‘Ma and Pa Kettle’ of movie fame, the iconic example of the form of American ‘genteel poverty’ at the time.

The confidence in the banking system in 1893 was due for an implosion based purely on internal dynamics of rampant fraud, poor-to-no accounting, a corrupt judicial system that favored the ‘special interests’ (today called ‘TPTB’, or the Deep State), and no political will to tackle the problems.

Sound familiar?

These days we have the financial system delicately balanced around a dying currency. Conditions are ripe for another banking panic.

There are notable differences between banking panics, and banking manipulations that produce crashes. The Panic of 1893 was structurally unlike the Great Depression of the 1930s. We even memorialize them in history based on their key differences. While the Great Depression was an engineered financial system ‘conversion event’ in which the controllers of the fractional reserve fiat system were converting their interest based ‘gains’ within the system into physical goods such as farm lands, thus creating the waves of ‘farmer suicides’ in the Midwest of USA in the 1930s, the Panic of 1893 was an event exogenous to the financial system of the day.

The Great Depression, and subsequent World War 2, were engineered to create just the results that history witnessed. The only time there was real panic within the financial system in the 1930s was in 1933, when the engineered slow down of the flow rates intended to allow assets to be seized by the banksters came perilously close to unleashing the Central Bank Killer, aka “deflation” as the commercial and government bonds moved towards implosion. At that point there was Big Panic within the system that originated at the top, eventually even spilling out into small scale runs against regional banks. The fear of deflation resulted in the Banksters, via the Federal government ‘authority’ of the office of the Presidency, going to great lengths to seize gold, and to outlaw it’s use by the populace.

The Panic of 1893, in contrast, was a sudden event outside the control of the ‘special interests’, today called the ‘elites’. The Panic, unlike the 1930s, was not engineered, and was the result of a loss of confidence in a bank issued currency during conditions of naturally occurring deflation, amid a period of the stabilization of commercial and consumer demand rates, while the economy was digesting the influx of inflation from gold discoveries of the previous 5 decades. Specifically, the Baring Bank issued demand notes based on illusions of growth within the Argentine economy, which failed to materialize. The Baring Bank, so the history back story goes, then paid to foment a coup in Argentina to try to force conditions to support their demand note issuance. When the news of the failure of the coup reached North America, the inevitable loss of confidence precipitated a great cascading fault Panic against over 500 banks’ demand notes which all rolled back into confidence in the dollar. As the demand notes, and other, mostly fraudulent currencies were destroyed, deflation roared to life within the global banking system.

The Panic of 1893 was not named by history for the subsequent massive Depression that changed America, and the World far more than was observed during the Great Depression of the 1930s. The difference is that the depression years following the 1893 Panic, and banking system collapse, was a period of decentralized growth, whereas during the Great Depression, it was rebuilding within the same, flawed, fraudulent financial centralized system that had created the conditions.

THE basic difference was the existence of the American Central Bank, aka ‘the Federal Reserve Bank’, which is not part of the federal government, has no reserves, and is not a bank.

The Panic of 1893 changed the political landscape across America, and the subsequent depression altered the world with innovation and inventions. Think airplanes, automobiles, electric communications, asphalt roads, soda pop, vitamins, and many other inventions made the US & world patent offices very busy places from 1897 through into 1929. There was a boom in patents, both applied, and granted, not equaled since. All of this emerged during the depression following the Panic of 1893. It was noted by economic forecasters of those years that the Panic had a great and deep ‘cleansing’ effect on the economy, and the minds of the people, and that the resulting institutional ‘poverty’ was significant in removing barriers placed on the populace by those, mostly corrupt, institutions.

The pace of innovation withered following 1929 as invention and commercial creation was brought under control of the CBI (central bank infrastructure) of academic and corporate and government funded research centers. The Great Depression of 1930s merely hardened the control of the Deep State, and eliminated avenues of freedom for the populace as the fractional reserve banking system set out to conquer the planet.

Which it did, conquer the planet, that is. We are there now. Central banking owns the earth, and all its resources, including you. At least that’s what the banksters think, and say. Just go listen to any of the speeches at the World Economic Forum. You will hear them say it. And their corrupted courts will enforce that thinking on you.

The recovery from the Panic of 1893 was visible within a single year as the prompted political and systemic changes began to be backed by the populace. It took four years, until 1897, for the impacts of the Panic period to fully emerge, for the 15,000 businesses to go bust, for the 500 + banks to implode, for the people to resettle, but by then, efforts to rebuild through replacing flawed institutions, and thinking, were already being seen in both National, and international publications.

The recovery from the engineered Great Depression is arguably still on-going as the Central Banking powers granted by law during the early years of that depression are still in effect. We are still using the degraded, failed, flawed, and fraudulent Federal Reserve Note (aka ‘the dollar’), and the same political infrastructure is still in place, in fact, more entrenched, and more pervasive, than ever seen in past Ages.

The conditions we face now are remarkably similar to those in existence prior to 1893 in character, though greatly magnified by population size, and thus economic, as well as financial activity. The pressures on the financial system, now, from popular culture, capital flows, government stability, banking controller actions are all much more resembling those of the late 1880s than the 1920s.

In spite of the very large, and very public, levels of social engineering by the Central Banks of the world, trying to cause yet another Great Depression, and follow on World War, 👉it is my opinion that we will instead witness a Banking Panic erupt.

👉The Panic that will erupt will be a ‘central’ banking panic. This panic, as in 1893 (and previous banking panics) will be at the level of ‘confidence in the currency’…at the level of the Federal Reserve itself. That is, like the Panic of 1893, the coming Great Panic of 2022 (or maybe 2023, though personally it seems unlikely that they can hold it together that long), will be all about faith and confidence in central bank issued currencies.

👉This Great Panic of 2022 will destroy the ‘full faith and credit’ of the US Federal Government. And its institutions. This will lead to the period that was labeled as Secrets Revealed within my ALTA reports.

👉The Secrets Revealed period will emerge due to the failure of the petrodollar financial structure that causes the Deep State to no longer have effective ways to bribe people at all levels of the ‘corruption career ladder’. This in turn leads to a great outpouring of Secrets, both large and small. The Secrets being revealed create an environment of ‘disclosure’ that was shown in my work to alter our concept of ‘transparency’, as well as ‘government’.

👉Deflation is again here, though caused this time by the covid scam and subsequent die-off from the vaccines. The ill, dying, and dead people from covid don’t make many demands on our consumer society. The failed war of NATO versus Russia in the Ukraine occupies the place of the failed coup in Argentina in 1893. When the reality of the failure becomes visible 👉due to some singular event, some example that can be discussed by the populace as a meme illustrative of the emerging failure, 👉then will the Panic of 2022 manifest.

👉There is not enough Xanax on this planet to calm a banking Panic.

👉As the Panic of 2022 unfolds, there will be mass histrionics, much from government, and banking ‘officials’ (most of whom will be gone from their positions within the next 12 months), as well as hysterics, and bad reactions within the populace.

People you know will go batshit crazy. The important thing to know when you see your relatives, friends, and neighbors acting out inappropriately, is that likely no one will remember the small incidents such your sister-in-law crying while shaking her nude fiddly bits in public.

👉So breathe deep and slow and remember that we are all going to be in it in a serious way, but that a cleansing Panic is a hell of a lot better than the alternative!

https://clifhigh.substack.com/p/panic-2022

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thedinarian@thedinarian
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(Rust is a general-purpose, multi-paradigm programming language)

This video offers an insightful conversation with David Schwartz, a founding core developer of the XRP Ledger. It explores the Ledger’s origins, unique technical design, and the philosophy guiding its development from 2012 onward.

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thedinarian@thedinarian
2 hours ago

📰 Ripple’s OCC Banking License application is now available! Vol. 1 is the public release. The application provides some clues about Ripple’s intentions and structure to consider.
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https://x.com/WKahneman/status/1951452765043171337?s=19

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thedinarian@thedinarian
15 hours ago
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Understanding the Crypto Alt Season

The next altcoin season is poised to ignite the crypto market, promising to turn savvy investors' portfolios into goldmines. As Bitcoin's dominance wanes, a new era of blockchain innovation is dawning—are you ready to ride the wave?

Market behavior often exhibits distinct patterns and cycles. One such phenomenon that has captured the attention of traders and investors alike is the "Alt Season"—a period when alternative cryptocurrencies, or "altcoins," outperform Bitcoin and experience significant price surges.

The concept of market cycles and seasonality is not unique to crypto; it's a well-established principle in traditional financial markets. However, in volatile crypto space, these cycles can be more pronounced and occur with greater frequency.  

In this article, we’ll try to cover these and other topics: 

  1. The nature and characteristics of Alt Seasons
  2. The importance of recognizing market cycles in cryptocurrency trading
  3. Alt Season indicators and how to interpret them
  4. Predictions and speculatins about the next potential Alt Season

What Is Crypto Alt Season?

Crypto Alt Season, short for "Alternative Cryptocurrency Season," refers to a period in the cryptocurrency market when alternative cryptocurrencies (altcoins) significantly outperform Bitcoin in terms of price appreciation. During an Alt Season:

  1. Many altcoins experience rapid price increases.
  2. The market share of altcoins grows relative to Bitcoin.
  3. Trading volume for altcoins typically increases.
  4. Investor attention shifts from Bitcoin to various altcoin projects.

An Alt Season can last anywhere from a few weeks to several months. It's often characterized by increased risk appetite among investors, who are willing to allocate more capital to smaller, potentially higher-risk crypto projects in search of higher returns.

Is Crypto Season the Same As Crypto Alt Season?

While related, Crypto Season and Crypto Alt Season are not exactly the same:

  1. Crypto Season:
    • Refers to a broader bullish period in the entire cryptocurrency market.
    • Typically includes price appreciation for both Bitcoin and altcoins.
    • Can be longer in duration, sometimes lasting for many months or even a year or more.
    • Often starts with a Bitcoin rally, followed by increased interest in the broader crypto market.
  2. Crypto Alt Season:
    • Specifically focuses on the outperformance of altcoins compared to Bitcoin.
    • Can occur within a broader Crypto Season but is more narrowly defined.
    • Generally shorter in duration than a full Crypto Season.
    • May happen towards the latter part of a broader Crypto Season, as investors seek higher returns in smaller cap coins.

Key Differences:

  • Scope: Crypto Season encompasses the entire market, while Alt Season focuses on altcoins.
  • Duration: Crypto Seasons are generally longer than Alt Seasons.
  • Market Dynamics: In a Crypto Season, Bitcoin often leads the rally, while in an Alt Season, altcoins outperform Bitcoin.

It's important to note that these terms are not officially defined and can be subject to different interpretations within the cryptocurrency community. However, understanding the distinction can help investors and traders better analyze market trends and potential opportunities in different segments of the crypto market.

What Is Alt Season Indicator?

The Alt Season Indicator is a tool used by cryptocurrency traders and investors to gauge whether the market is entering or currently in an "Alt Season" — a period when altcoins are outperforming Bitcoin. While there isn't a single, universally accepted Alt Season Indicator, several metrics and tools are commonly used to assess the likelihood of an Alt Season. Here are some key aspects of Alt Season Indicators:

Bitcoin Dominance

One of the most widely used indicators is Bitcoin Dominance, which measures Bitcoin's market capitalization as a percentage of the total cryptocurrency market cap.

  • Calculation: (Bitcoin Market Cap / Total Crypto Market Cap) * 100
  • Interpretation: A declining Bitcoin Dominance often signals a potential Alt Season, as it indicates that capital is flowing from Bitcoin into altcoins.
  • Threshold: Some traders consider Bitcoin Dominance below 50% as a potential indicator of an Alt Season.

Altcoin Market Cap Ratio

This indicator compares the total market capitalization of altcoins to Bitcoin's market cap.

  • Calculation: Total Altcoin Market Cap / Bitcoin Market Cap
  • Interpretation: An increasing ratio suggests growing strength in the altcoin market relative to Bitcoin.

Top 10 Altcoins Performance

This indicator tracks the performance of the top 10 altcoins by market cap (excluding Bitcoin) compared to Bitcoin over a specific period.

  • Calculation: Average percentage gain of top 10 altcoins vs. Bitcoin's percentage gain
  • Interpretation: When a majority of top altcoins consistently outperform Bitcoin, it may indicate an Alt Season.

Alt Season Index

Some crypto data platforms offer a proprietary Alt Season Index, which combines various metrics to provide a single score indicating the likelihood of an Alt Season.

  • Scale: Often presented as a percentage or a 0-100 score
  • Interpretation: Higher scores (e.g., above 75%) suggest a higher probability of an ongoing Alt Season

Trading Volume Ratios

This indicator compares the trading volumes of altcoins to Bitcoin's trading volume.

  • Calculation: Total Altcoin Trading Volume / Bitcoin Trading Volume
  • Interpretation: An increase in this ratio may indicate growing interest in altcoins, potentially signaling an Alt Season.

Important Considerations:

  1. No single indicator is foolproof. Traders often use a combination of indicators for a more comprehensive analysis.
  2. Market conditions can change rapidly, and past patterns don't guarantee future results.
  3. Different traders may use different thresholds or interpretations of these indicators.
  4. The crypto market's evolving nature means that indicators may need to be adjusted over time to remain relevant.

Understanding and effectively using Alt Season Indicators can help traders and investors make more informed decisions about allocating their resources between Bitcoin and altcoins. However, it's crucial to combine these indicators with broader market analysis and risk management strategies.

Alt Seasons: Historical Perspective, Current Situation, and Future Predictions

Previous Altcoin Seasons

In crypto, two periods stand out as particularly significant for altcoins. These "alt seasons" saw unprecedented growth and interest in cryptocurrencies beyond Bitcoin, reshaping the landscape of digital assets.

The 2017-2018 Alt Season

Duration: December 2017 to January 2018

Context:

  • Bitcoin (BTC) experienced its most remarkable bull run to date, reaching nearly $20,000 in December 2017.
  • This surge in Bitcoin's price and public interest created a ripple effect throughout the crypto market.

Key Developments:

  1. Proliferation of New Coins: The success of Bitcoin catalyzed the launch of numerous new cryptocurrencies.
  2. Investor Frenzy: Buoyed by Bitcoin's success, investors eagerly sought the "next Bitcoin," pouring capital into various altcoins.
  3. ICO Boom: This period saw a surge in Initial Coin Offerings (ICOs), with many projects raising millions in a matter of hours or days.
  4. Market Expansion: The total cryptocurrency market cap reached unprecedented levels, briefly surpassing $800 billion in January 2018.

Notable Altcoins: Ethereum (ETH), Ripple (XRP), and Litecoin (LTC) saw significant price increases during this period.

The 2020-2021 Alt Season

Duration: December 2020 to April 2021

Context:

  • Bitcoin broke its previous all-time high, surpassing $60,000 in March 2021.
  • The COVID-19 pandemic had accelerated digital adoption and increased interest in alternative investments.

Key Developments:

  1. DeFi Explosion: Decentralized Finance (DeFi) projects gained massive traction, with many tokens seeing exponential growth.
  2. NFT Boom: Non-Fungible Tokens (NFTs) entered the mainstream, driving interest in blockchain-based digital assets.
  3. Institutional Adoption: Major companies and institutional investors began adding cryptocurrencies to their balance sheets.
  4. Technological Advancements: Many altcoins introduced innovative features, scaling solutions, and use cases.

Notable Altcoins: Ethereum (ETH) reached new highs, while projects like Binance Coin (BNB), Cardano (ADA), and Polkadot (DOT) saw remarkable growth.

Comparative Analysis: Both alt seasons shared some common characteristics:

  • They were preceded by significant Bitcoin price rallies.
  • New projects and tokens gained rapid popularity and valuation.
  • Retail investor participation increased dramatically.
  • The overall cryptocurrency market capitalization reached new heights.

However, the 2020-2021 alt season was marked by greater institutional involvement and a broader range of technological innovations, particularly in DeFi and NFTs.

Is It Alt Season?

Based on the indicators discussed above, it's not currently an altcoin season. The Altcoin Season Index at 41 and Bitcoin's market dominance at 61.3% both suggest that Bitcoin is still the dominant force in the crypto market at this time.

When Is Alt Season?

Based on the information we could gather from various experts, we can analyze the predictions for the next altcoin season as follows:

  • Based on the latest analysis from experts and on-chain data, here’s what we know about the next altcoin season:

     

    Current Status (August 2025):

     

    • The altcoin season index—a metric that signals how many altcoins outperform Bitcoin—currently sits around 37. For a “full-blown” alt season, it typically needs to rise above 75.

    • Bitcoin dominance is approximately 61-62%. Historically, dropping below 60% often coincides with a rapid rotation into altcoins and the start of alt season.

     

    Key Indicators to Watch:

     

    • Altcoin Season Index (ASI): Above 75 signals a true altcoin season.

    • Bitcoin Dominance: A move below 60% usually marks the transition; sub-50% dominance is associated with peak alt season inflows.

    • Market Activity: Increasing volumes in major altcoins and Layer 1s, meme coin rallies, and spikes in DeFi activity are early warning signs.

    • Ethereum Outperformance: When ETH surges relative to BTC, this historically precedes broader altcoin rallies.

     

    Expert Predictions for 2025:

     

    • Analysts point to a pivotal window for alt season starting as early as August 2025 and extending through the fall, with many expecting true acceleration of altcoin gains if Bitcoin’s price consolidates and capital rotates further into alts.

    • There is strong consensus that macroeconomic catalysts, such as potential U.S. interest rate cuts and ongoing Bitcoin ETF momentum, could fuel a major altcoin rally in late 2025 if positive conditions persist.

    Summary Table: Key Factors & Targets

    SignalAlt Season TriggerStatus (Aug 2025)
    Altcoin Season Index (ASI)>75 ~37
    Bitcoin dominance<60% ~61–62% (near trigger)
    Altcoin trading volumeSustained surge across many alts Rising, but not explosive
    Ethereum outperformanceETH/ BTC breakout, >$3,700 Near, ETH ~$3,500
    Market narrativesAI, DeFi, meme coins, new L1 inflows Strengthening
     

    Bottom Line:
    Most analysts agree the groundwork for altcoin season in 2025 is building. We are currently in a transition phase: if Bitcoin dominance continues to fall and the Altcoin Season Index rises above 75, a full-fledged alt season could ignite during the second half of 2025. Monitor these key indicators to stay ahead as market momentum shifts from Bitcoin into a broader range of altltcoins.

Key Factors to Consider

  • Technology: Look for coins with innovative solutions to existing blockchain challenges.
  • Adoption: Consider projects with growing partnerships and real-world use cases.
  • Market Position: Established coins with room for growth may offer a balance of stability and potential returns.
  • Tokenomics: Understanding supply dynamics can help predict potential price movements.

It's crucial to conduct thorough research before investing. The cryptocurrency market is highly volatile, and past performance doesn't guarantee future results. Always invest responsibly and within your risk tolerance.

How to Win in Next Alt Season?

Capitalizing on the next altcoin season requires a strategic approach. Here's how to maximize potential gains:

  • Research and Diversification: Thoroughly research potential investments, analyzing both fundamentals and technical aspects to identify promising altcoins. Diversify your holdings across different projects to mitigate risk and maximize potential returns. Don't put all your eggs in one basket.
  • Strategic Timing: Utilize technical analysis tools like support/resistance levels and RSI to pinpoint optimal entry and exit points. Monitor market sentiment and price trends to make informed decisions. A clear entry and exit strategy is crucial for managing risk and maximizing profits during volatile periods.
  • Newer Projects: Consider participating in newer altcoin projects. This provides early access to potentially high-growth projects at discounted prices. Research upcoming defi projects with use cases, focusing on innovative projects with strong potential. Investing early can yield substantial returns as the project develops.

Conclusion

In summary, an altcoin season, marked by significant price increases in non-Bitcoin cryptocurrencies, may be on the horizon.  This potential surge could be driven by investors seeking higher returns in smaller-cap cryptocurrencies, technological advancements in altcoin projects, increased blockchain adoption, and the transition of projects from speculative ventures to real-world applications. 

Remember, while the potential for significant gains exists during an altcoin season, the cryptocurrency market remains highly volatile. Always invest responsibly.

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thedinarian@thedinarian
July 28, 2025
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PYTH: We'll Always Have Coldplay

Welcome back to The Epicenter, where crypto chaos meets corporate cringe.

But surprisingly, crypto has not been the most chaotic corner of the internet as of late.

That honor goes to the startup Astronomer, whose CEO’s cheating scandal broke the web in a glorious meme-fueled media frenzy. The company’s damage control? Hiring Gwyneth Paltrow as a “temporary spokesperson.” Do we think they’re grasping at straws or setting a new standard for PR?

Meanwhile, the markets didn’t blink. BTC is still flexing near its all-time highs. Michael Saylor’s bringing a bitcoin-adjacent money-market product to Wall Street. A pharma company just earmarked $700M to stack BNB, and analysts are calling time of death on the four-year crypto cycle. It’s a steady boom now, kittens.

A few things that are also worth noting: Winklevoss vs. JPMorgan, Visa’s take on stablecoins, and Robinhood’s Euro drama that defies the chillness of eurosummer.

Let’s get into it 👇

⛓️ The On-Chain Pulse: What’s Happening on the Front Lines of Finance

This week’s biggest news in crypto and all things digital assets

🗣️ Word on the Street: What the Experts are Saying

Stuff you should repost (or maybe even cough reword and take credit for)

Meme of the Week

🏦 Kiss my SaaS: What’s Changing the Game for Fintech

Things you should care about if you want to impress your coworkers

Closing Thoughts

From meme-fueled PR stunts to Bitcoin-backed money-market funds, this week reminded us that markets move fast—and headlines move faster. With Wall Street automating itself, fintechs beefing with banks, and even your smartphone becoming a miner, anything is possible. Stay curious, stay cynical, and as always—stay sharp and stay liquid. We’ll see you back here in two weeks.

— The Epicenter, powered by Pyth Network

 

🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal: 
1) Simply scan the QR code below 📲
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto – Support via Coinbase Wallet to: [email protected]

 

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thedinarian@thedinarian
July 27, 2025
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4 Fintech Companies 💸& Things To Know About 🤔

The fintech revolution is reshaping the way we manage, invest, and move money, breaking down traditional barriers and empowering individuals worldwide. As financial technology continues to evolve at a rapid pace, a select group of innovative companies are leading the charge by offering groundbreaking solutions that redefine banking, payments, and digital assets. Whether you’re a savvy investor, an industry professional, or simply curious about the future of finance, discovering these trailblazing fintech companies is essential to understanding today’s dynamic financial landscape.

 

  1.  Alina Invest - The AI Wealth Manager for GenZ Women

Alina is aimed at women under 25 who identify as beginner investors. They're an SEC-registered investment advisor that charges $120/year for membership. The service "buys and sells for you" and gives up notification updates of recent transactions like a wealth manager would.

👉 Getting people to invest early is crucial to building long-term wealth. One thing that holds them back is a lack of confidence and experience. Being targetted "for beginners" and people who live on TikTok should appeal. I love the sense of "we're buying and selling for you." Funds always do that, but making it an engagement mechanic is very smart. The risk here is that building a wealth business will take decades for the AUM to compound. But the next generations, Wealthfront or Betterment, will look something like Alina.

2. Blue layer - The Carbon project funding platform

Bluelayer allows Carbon project developers to take from feasibility studies to issuing credits, tracking inventory, and managing orders. Developers of reforestation, conservation, direct air capture, and other projects can also directly report to industry registries. 

👉 Carbon investing and tax credits are heavily incentivized but need transparent data. By focusing on the developers, Bluelayer can ensure the data, reporting, and credits lifecycle is all managed at the source. This is smart.

3. Akirolabs - Modern Procurement for enterprise

Akiro is a "strategic" procurement platform aiming to help enterprise customers identify risks, value drivers, and strategic levers before issuing an RFP. It aims to bring in multiple stakeholders for complex purchasing decisions at multinationals. 

👉 Procurement is a great wedge for multinational corporate transformation. Buying anything in an enterprise that uses large-scale ERPs is a nightmare of committees and spreadsheets. Turning an oil tanker-sized organization around is difficult, but the right suppliers can have a meaningful impact in the short term. That only works if you can buy from them. Getting people on the same page with a single platform is a great start.

4. NeoTax - Automated Tax R&D Credits

NeoTax allows companies to connect their engineering tools to calculate available tax advantages automatically. Once calculated, the tax fillings are clearly labeled with supporting evidence for the IRS.

👉 AWS and GCP log files and data are a goldmine. Last week, I covered Bilanc, which uses log files to figure out per-account unit economics. Now, we calculate R&D tax credits. The unlock here is LLM's ability to understand unstructured data. The hard part is understanding the moat, but time will tell.

In an era where technology and finance are increasingly intertwined, these four fintech companies stand out as catalysts for positive change. By driving progress in digital payments, asset management, lending, and decentralized finance, they are not only making financial services more accessible and efficient—they are also paving the way for a more inclusive and empowered global economy. Staying informed about their innovations can help you seize new opportunities and take part in the future of finance.

 

👀Things to know 👀

 

PayPal issued low guidance and warned of a “transition year.” The stock is down 8% in extended trading despite PayPal reporting a 9% growth in revenue and 23% EBITDA. Gross profit is down 4% YoY. PayPal's total revenues were $29Bn for the year

Adyen reported 22% revenue growth and an EBITDA margin of 46% for the full year. Adyen's total revenues were $1.75bn for the full year. The margin was down from 55% the previous year, impacted by hiring ahead of growth.

🤔 PayPal’s Braintree (unbranded) is losing market share in the US, while Adyen is winning it. eCommerce is growing ~9 to 10% YoY, and PayPal’s transaction revenue grew by 6.7%. The higher interest rate environment meant interest on balances dragged up the total revenue figure. Their core business is losing market share. Adyen is outgrowing the market by ~12%.

🤔 The PayPal button (branded) is losing to SHOP Pay and Apple Pay. The branded experience from Apple and Shopify is delightful for users; it’s fast and helps with small details like delivery tracking. That experience translates to higher conversion (and more revenue) for merchants.

🤔 The lack of a single global platform hurts PayPal, but it helps Adyen. In the earnings call, the new CEO admitted their mix of platforms like Venmo, PayPal, and Braintree are holding them back. They aim to combine and simplify, but that’s easier said than done.

🤔 Making a single platform from PayPal, Venmo, and Braintree won’t be easy. There’s a graveyard of payment company CEOs who tried to make “one platform” from things they acquired years ago. It’s crucial if they’re going to grow that they get their innovation edge back. Adyen has one platform in every market.

🤔 PayPal’s UK and European acquiring business is a bright spot. The UK and EU delivered 20% of overall revenue, growing 11% YoY. Square and Toast don’t have market share here, while iZettle, which PayPal acquired in 2018, is a strong market player. Overall though, it’s yet another tech stack and business that’s not part of a single global platform.

The two banks provided accounts to UK front companies secretly owned by an Iranian petrochemicals company. PCC has used these entities to receive funds from Iranian entities in China, concealed with trustee agreements and nominee directors. 

🤔 This is the headline every bank CEO fears. Oof. Shares of both banks have been down since the news broke, but this will no doubt involve crisis calls, committees, appearing in front of the regulator, and, finally, some sort of fine.

🤔 The "risk-based approach" has been arbitraged. A UK company with relatively low annual revenue would look "low risk" at onboarding. One business the FT covered looked like a small company at a residential address to compliance staff. They'd likely apply branch-level controls instead of the enterprise-grade controls you'd see for a large corporation. 

🤔 Hiring more staff won't fix this problem; it's a mindset and technology challenge. In theory, all of the skill and technology that exists to manage risks with large corporate customers (in the transaction banking divisions) are available to the other parts of a bank. In practice, they're not. Most banks lack a single data set and the ability for compliance officers in one team to see data from another part of the org. Getting the basics right with data and tooling is incredibly hard and will involve a multi-year effort. 

🤔 These things are rarely the failure of an individual or department; the issue is systemic. While two banks are named in this headline, the issue is everywhere. Banks need more data and better data to train better AI and machine learning. That all needs to happen in real-time as a compliment to the human staff. Throwing bodies at this won't solve the visibility issue teams have.

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