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šŸ’„Stellar Blockchain Technology Powers International Rescue Committee’s Cash-Based Humanitarian Assistance for Conflict Affected People in UkrainešŸ’„
The Official Press Release
December 25, 2022
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The International Rescue Committee teams up with the Stellar Development Foundation to pilot digital cash disbursement system powered by the Stellar network, with Circle’s USDC, Vibrant, and MoneyGram International, to reach people in need with speed, agility, and on-chain traceability and accountability

San Francisco, CA – December 15, 2022 –  Today, the International Rescue Committee (IRC) and the Stellar Development Foundation (SDF), a nonprofit that supports the growth and development of the public Stellar blockchain network,Ā  announced the pilot of a first-of-its-kind blockchain-powered aid disbursement system in Ukraine. The pilot is one of the first implementations of a novel end-to-end cash assistance system built on the Stellar blockchain,Ā Stellar Aid Assist, that delivers relief funds quickly, affordably, and with transparency to individuals in crisis.Ā 

Stellar Aid Assist enhances the IRC's existing cash assistance efforts by leveraging a digital dollarĀ  backed by fully reservedĀ  assets — in this instance, the USD Coin (USDC) issued byĀ Circle Internet Financial — and distributes them almost instantly to a digital wallet on a client’s smartphoneĀ  — in this instance,Ā Vibrant. It allows individuals to remotely receive digital dollars, hold them as a store of value to hedge against inflation, and transport them more securely across borders as needed, instead of providing individuals with physical cash that may be difficult or dangerous to store and move. It also allows clients in Ukraine to receive their cash assistance even if they do not have a bank account or credit or debit card, as they can store it on a digital wallet on their phones and convert the digital dollars to real currency almost anywhere in the world through MoneyGram’s 400K+ agent locations in 175 countries.Ā 

The IRC and partners are responding to the conflict-driven humanitarian emergency in Ukraine by providing unrestricted multipurpose cash assistance to almostĀ  83,500 Ā people affected by the crisis to date. So far this month, the IRC and SDF have provided USDC to 33Ā  people, with the ultimate goal of reaching 100 people across southeastern Ukraine under this pilot.Ā Ā 

Thanks to the use of the Stellar blockchain, this innovative solution has the potential to enhance the speed, efficiency, flexibility of traditional cash-based inventions, as well as provides greater transparency for IRC and its donors through the traceability of funds. It has the potential to lay the groundwork for future financial innovation for cash assistance and donation programs, with the opportunity to grow a global ecosystem of digital wallets and cash on/off ramps serving different contexts and geographies.Ā 

The IRC is committed to finding innovative solutions to the challenges faced by people in humanitarian disasters. With more people displaced globally than ever before and more than 6.5 million IDPs in Ukraine alone, funding for humanitarian responses is proportionally at the lowest point in years. Finding faster, cheaper, and more effective aid distribution methods builds on the IRC’s commitment to a ā€˜cash first’ approach, and its leadership in using cash assistance in the humanitarian sector. With this collaboration, the IRC and SDF are advancing an innovative form of cash assistance to test the impact of stablecoins and measure the effectiveness of stablecoin distributions in humanitarian settings.

ā€David Miliband, President and CEO of the International Rescue Committee (IRC), said: "The IRC is committed to finding innovative solutions to the challenges faced by people impacted by humanitarian disasters. Our partnership with the Stellar Development Foundation enables the IRC to offer a new way for clients in Ukraine to receive much needed cash assistance, including the option to receive assistance in USD, which is essential in helping to rebuild their lives. This partnership will help the IRC better leverage new technologies to continue improving the effectiveness and efficiencies of our multipurpose cash programming."Ā 

ā€Denelle Dixon, CEO and Executive Director, Stellar Development Foundation (SDF), said: ā€œFor vulnerable populations, cash-based interventions are a lifeline, helping to access essential goods and giving recipients freedom, power, and dignity. Our mission at SDF - creating equitable access to the global financial system - is about using technology to reach people where they are and when they need it most. That’s why we are proud to partner with the International Rescue Committee and together, pioneer the future of aid delivery on the Stellar network with Stellar Aid Assist.ā€

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ā€

About International Rescue Committeeā€

The International Rescue Committee (IRC) helps people affected by humanitarian crises to survive, recover and rebuild their lives. We deliver lasting impact by providing health care, helping children learn, and empowering individuals and communities to become self-reliant, always with a focus on the unique needs of women and girls. Founded in 1933 at the call of Albert Einstein, we now work in over 40 crisis affected countries as well as communities throughout Europe and the Americas.

Ā 

About Stellarā€

Stellar is a decentralized, fast, scalable, and uniquely sustainable network for financial products and services. It is both a cross-currency transaction system and a platform for digital asset issuance, designed to connect the world’s financial infrastructure. Financial institutions worldwide issue assets and settle payments on the Stellar network, which has grown to over 7 million accounts. For more information, visitĀ stellar.org.Ā 

Ā 

About the Stellar Development Foundationā€

The Stellar Development Foundation (SDF) is a non-profit organization that supports the development and growth of Stellar, an open-source network that connects the world’s financial infrastructure. Founded in 2014, the Foundation helps maintain Stellar’s codebase, supports the technical and business communities building on the network, and serves as a voice to regulators and institutions. The Foundation seeks to create equitable access to the global financial system, using the Stellar network to unlock the world’s economic potential through blockchain technology. For more information, visitĀ stellar.org/foundation.

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Revolut Leak Shows the Cost of Constant ID Collection
Revolut’s mistake is the news, but the bigger problem is the growing number of companies being encouraged or required to keep copies of our most sensitive identity documents.

Online bank Revolut has revealed that it gave out sensitive personal and financial information of an undisclosed number of its customers in response to a fake government request.

The information that was handed over to an ā€œunauthorized third partyā€ reportedly includes names, dates of birth, occupations, addresses, phone numbers, account numbers, transaction histories (including Bitcoin), and even copies of government-issued IDs and onboarding verification selfies.

Revolut claims that derived biometric face data was not.

The company said that the data was handed over in response to an email that came from a real government agency’s domain, but was not actually sent or authorized by that agency.

The email passed several authentication checks (SPF, DKIM, and DMARC) that are designed to establish the authenticity of a message’s origin and integrity, but do not verify the legitimacy of the legal request itself.

Revolut said that it complied with the request ā€œunder the reasonable belief that it was an authentic government agency requestā€ – and only later found out that it was not.

Revolut said it later realized its mistake, blocked the email address, and reported the incident to the relevant authorities.

Revolut said that only a ā€œlimitedā€ number of its customers were affected by the data leak, and that the company’s systems were not hacked, nor was any money stolen.

The story broke on September 11 when Revolut customers started receiving an email notice about a data leak, and the news was picked up by media outlets the following day.

Revolut notice explaining customer identity and financial data was shared after an unauthorized government email request.

The reason this is a recurring problem is that companies are keeping highly sensitive information about their customers’ identities, and sometimes even financial transactions, for a long time, and this data is then available to be disclosed to third parties – either in response to valid legal requests, or, as in the case of Revolut, fake ones.

One reason for this is know your customer (KYC) and anti-money laundering (AML) rules. Revolut’s current UK customer privacy notice spells it out: the company generally keeps personal data of UK customers for no more than seven years after the relationship ends, and sometimes longer – for legal reasons.

This means that even if you close your account, your identity documents don’t disappear.

And while the incident with Revolut happened in the financial sector, it’s by no means the only one that requires customers to hand over sensitive identity information. Discord, a popular chat service, said in an October 9, 2025 security update that government ID photos of approximately 70,000 users may have been exposed after a third-party customer service provider got hacked.

This was not a financial service, nor the same type of attack. But the result was similar – because the underlying business process was the same: requiring and storing sensitive identity documents. In the case of Discord, these were used to review age-related appeals.

It’s hard to do anything about a copy of your old passport, or a photo of your face, or a record of your past transactions. These can be used to identify and profile you, and can be used to carry out targeted fraud. And this can happen even if the initial disclosure didn’t result in financial loss.

The more companies are forced to collect and store such information, and the more of it they have, the more opportunities there are for this data to be leaked, either by the company itself or a third party it works with. That's what makes governments' push for more ID checks just to access ordinary parts of life so reckless.

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This Is The Income A Family Needs To Live Comfortably In Every US State

Here’s the short version of what it takes for a family of four to live comfortably in 2026 by state:

In Massachusetts, you’d need nearly $330,000 a year - the highest figure in the entire country. Only three states clear the $300,000 mark: Massachusetts, Hawaii, and California. At the other end of the spectrum, Mississippi is the most affordable at about $188,000. That’s a full $142,000 less than what you’d need in Massachusetts.

So… how much does a family of four need in your state?

This map shows the pre-tax income a household with two working adults and two kids needs to live comfortably in every U.S. state.

The numbers come fromĀ SmartAssetĀ (as of February 2026). They’re based on the familiar 50/30/20 budget: 50% for necessities, 30% for discretionary spending, and 20% for savings or other goals. These aren’t bare-minimum survival numbers—they’re what it takes to live pretty well while still putting money aside.

And asĀ Visual CapitalistĀ notes,Ā Massachusetts sits at the very top of that list.Ā Massachusetts tops the ranking, with a family of four needing $329,555 per year to meet the 50/30/20 benchmark.

Hawaii follows at $313,165, while California ranks third at $302,682.

Rank State Income needed for family of four (2026)

  • 1 - Massachusetts - $329,555
  • 2 - Hawaii - $313,165
  • 3 - California - $302,682
  • 4 - Connecticut - $298,189
  • 5 - New Jersey - $295,110
  • 6 - New York - $291,533
  • 7 - Colorado - $283,213
  • 8 - Washington - $281,798
  • 9 - Oregon - $280,966
  • 10 - Vermont - $280,384
  • 11 - Alaska - $272,064
  • 12 - New Hampshire - $267,904
  • 13 - Rhode Island - $264,659
  • 14 - Minnesota - $263,078
  • 15 - Maryland - $257,837
  • 16 - Maine - $250,931
  • 17 - Montana - $249,434
  • 18 - Pennsylvania - $247,936
  • 19 - Illinois - $244,109
  • 20 - Virginia - $242,944
  • 21 - Nevada - $242,278
  • 22 - Indiana - $241,696
  • 23 - Wisconsin - $238,451
  • 24 - Arizona - $236,870
  • 25 - Utah - $235,789
  • 26 - Delaware - $228,134
  • 27 - Ohio - $226,221
  • 28 - Idaho - $226,054
  • 29 - Florida - $223,392
  • 30 - New Mexico - $223,142
  • 31 - Nebraska - $223,059
  • 32 - Missouri - $217,734
  • 33 - Georgia - $214,573
  • 34 - Michigan - $214,323
  • 35 - South Carolina - $212,909
  • 36 - North Carolina - $212,410
  • 37 - Wyoming - $212,410
  • 38 - Oklahoma - $211,910
  • 39 - North Dakota - $210,496
  • 40 - Kansas - $207,917
  • 41 - Iowa - $204,422
  • 42 - Texas - $203,424
  • 43 - West Virginia - $202,592
  • 44 - South Dakota - $201,760
  • 45 - Alabama - $198,931
  • 46 - Louisiana - $197,933
  • 47 - Tennessee - $197,267
  • 48 - Arkansas - $195,437
  • 49 - Kentucky - $194,854
  • 50 - Mississippi - $187,533

Connecticut, New Jersey, and New York aren't far behind, bringing the number of states with comfortable-income thresholds above $290,000 to six.

Colorado and Vermont Make the Top 10

As expected, many of the highest income thresholds are concentrated in the Northeast and along the West Coast.

However, Colorado has the seventh-highest threshold in the country at $283,213, ranking above Washington and Oregon.

Vermont rounds out the top 10 at $280,384, despite having theĀ second-smallest populationĀ of any U.S. state. Meanwhile, nearby states like New Hampshire, Maine, and Rhode Island all fall outside the top 10.

Just Six States Come in Below $200,000

Despite theĀ wide range in living costsĀ across the country, only six states have a comfortable-income threshold below $200,000 for a family of four.

Mississippi ranks lowest at $187,533, followed by Kentucky.Ā The states of Arkansas, Tennessee, Louisiana, and Alabama also fall below the $200,000 mark.

The gap between Massachusetts and Mississippi exceeds $142,000 per year, meaning the Massachusetts benchmark is about 76% higher.

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šŸ¤–Can Decentralized AI Stop Big Tech from Owning the Future of Robotics?šŸ¤–
The race to build the future of robotics is no longer just about robots. It's about who controls the intelligence behind them.
Ā 
Over the last three years, a small group of companies has emerged as the backbone of the AI revolution. Microsoft provides cloud infrastructure. NVIDIA supplies the chips. Google, OpenAI, Anthropic, Meta, and others develop the models. Together, they control much of the compute, data, and software stack powering modern AI.
Ā 
Now that AI is moving into the physical world, many are asking a bigger question:
Ā 
Will these same companies end up controlling robotics too?
Ā 
It's a valid concern.
Ā 
The latest generation of robots relies on enormous amounts of compute, simulation, training data, and foundation models. Many robotics startups today are built on infrastructure provided by large technology companies. NVIDIA's Omniverse is becoming a key simulation environment for robot training. Microsoft Azure is powering the training of robotics foundation models. Physical AI startups increasingly depend on hyperscale cloud infrastructure to train and deploy intelligent systems. Recent partnerships across the industry show just how central Big Tech has become to robotics development.
But while Big Tech is building the highways, another movement is trying to ensure it doesn't own every destination.
Ā 
That movement is decentralized AI.
Ā 
Why Decentralized AI Exists
Ā 
The idea behind decentralized AI is simple. Instead of a handful of companies owning the models, compute infrastructure, data pipelines, and intelligence networks, these resources are distributed across thousands of participants.
Ā 
This means anyone can contribute compute, contribute models, validate outputs and can participate.
The most visible example today is the decentralized AI network known as Bittensor (@bittensor). The network has evolved into a large ecosystem of specialized AI markets called subnets, where participants compete to provide useful machine intelligence and are rewarded based on performance. Rather than relying on a single company, intelligence is generated and validated by a distributed network of miners and validators.
Ā 
Think of it as an attempt to build an open marketplace for AI instead of a world where intelligence is rented from a few centralized providers.
Ā 
Why This Matters for Robotics
Ā 
Robotics has a unique problem. Unlike chatbots, robots operate in the physical world. They need to perceive environments, make decisions, move safely and they need to learn continuously.
Ā 
The challenge is that collecting and training on real-world robotic data is incredibly expensive. That's one reason large companies have such an advantage. They can afford the compute, simulation environments, and data infrastructure needed to train robotics models at scale.
Ā 
This is where decentralized systems become interesting.
Ā 
Instead of one company collecting all the data and training all the models, decentralized networks could allow thousands of contributors to participate in building robotic intelligence.
Ā 
Imagine a future where:
  • Warehouse robots contribute operational data.
  • Delivery robots contribute navigation data.
  • Factory robots contribute manipulation data.
  • Developers contribute models.
  • Validators evaluate performance.
The resulting intelligence becomes a shared network rather than a proprietary asset.
Ā 
That vision is beginning to emerge.
Ā 
Bittensor's Move Toward Physical AI
Ā 
While many people associate Bittensor (@bittensor) with language models and AI services, parts of the ecosystem are increasingly exploring embodied intelligence and robotics.
Ā 
One example is Kinitro, a subnet focused on incentivizing the training and evaluation of embodied AI systems. The goal is to create competitive environments where developers build robotic intelligence and are rewarded based on performance.
Ā 
The broader Bittensor ecosystem has also expanded into compute marketplaces, distributed inference systems, bandwidth infrastructure, and AI coordination layers that could eventually support robotics workloads. Several subnets now focus on decentralized compute, confidential inference, data transfer, and model training, critical components for future robotic systems.
Ā 
In other words, the pieces are starting to appear.
Ā 
Not a decentralized robot network yet.
Ā 
But the infrastructure that could support one.
Ā 
Beyond Bittensor: The Rise of Physical AI Networks
Ā 
Bittensor isn't alone.
Ā 
Across the industry, researchers and builders are experimenting with decentralized approaches to physical AI.
Ā 
New research published in 2026 introduced the concept of DAO-enabled decentralized physical AI, or DePAI. The idea combines robotics, decentralized infrastructure, AI models, governance systems, and human oversight into a single framework. Instead of centralized control, robots and physical infrastructure could be coordinated through transparent rules and distributed ownership models.
Ā 
At the same time, developers are exploring decentralized operating systems for robots that allow machines to communicate directly with each other and with distributed compute resources. These architectures are designed to make robotic systems more resilient and less dependent on a single cloud provider.
Ā 
The goal is not simply decentralization for its own sake.
Ā 
The goal is resilience.
Ā 
If one server fails, the system continues.
Ā 
If one company disappears, the network survives.
Ā 
If one participant leaves, innovation continues.
Ā 
But Here's the Reality
Ā 
Decentralized AI faces the same challenge every decentralized technology faces.
Ā 
Big Tech has resources. A lot of resources.
Ā 
Training advanced robotics models requires enormous compute budgets, sophisticated simulation environments, access to specialized hardware, and vast amounts of real-world data.
Ā 
That's why many robotics startups still partner with major cloud providers and AI companies. It's often the fastest path to deployment.
Ā 
And there are legitimate concerns about whether decentralized networks can maintain quality, reliability, and security at the scale required for industrial robotics. Even researchers studying decentralized AI systems have highlighted risks around concentration, incentives, governance, and network security.
Ā 
The challenge isn't just decentralizing intelligence.
Ā 
It's decentralizing intelligence while maintaining performance.
Ā 
That's much harder.
Ā 
The Most Likely Outcome
Ā 
The future probably won't be fully centralized. And it probably won't be fully decentralized either. Instead, we're likely heading toward a hybrid model.
Ā 
Large technology companies will continue providing chips, cloud infrastructure, simulation platforms, and foundational research.
Ā 
At the same time, decentralized AI networks will emerge as alternative coordination layers where intelligence, data, and economic value can be shared more openly.
Ā 
The companies building robots may use NVIDIA hardware.
Ā 
Train on Azure.
Ā 
Run foundation models from OpenAI.
Ā 
But they may also participate in decentralized data networks, decentralized compute markets, and decentralized intelligence protocols.
Ā 
The future of robotics could end up looking less like a monopoly and more like an ecosystem.
Ā 
The Bigger Question
Ā 
The real question isn't whether decentralized AI can eliminate Big Tech.
Ā 
It can't.
Ā 
At least not anytime soon.
Ā 
The real question is whether decentralized AI can prevent a future where a handful of companies control every robot, every model, every dataset, and every decision made by the machines operating around us.
Ā 
As robots become workers, assistants, delivery drivers, factory operators, and even economic agents, that question becomes increasingly important.
Ā 
Because the battle for the future of robotics is no longer about hardware.
Ā 
It's about who owns the intelligence.
Ā 
And that battle is just getting started.
Ā 
Ā 

šŸ™To support my work, Helping to keep the signal high and the noise low:

šŸ‘‰ Cashapp: $thedinarian

šŸ‘‰ Buy me a coffee: https://buymeacoffee.com/thedinarian

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šŸ‘‡ Crypto Donations šŸ‘‡

XRP: r9pid4yrQgs6XSFWhMZ8NkxW3gkydWNyQX
XLM: GDMJF2OCHN3NNNX4T4F6POPBTXK23GTNSNQWUMIVKESTHMQM7XDYAIZT
XDC: xdcc2C02203C4f91375889d7AfADB09E207Edf809A6

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