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Instacart Product Chief Says Grocery’s Future Is All About the AI-Powered ‘Personal Planogram’
August 26, 2024
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One hundred years ago, the grocery shopper was just trying out the new concept of chain stores like Piggly Wiggly, A&P and King Kullen. She would visit one of these chains with sawdust on the floor and handwritten price tags for items like sirloin steak (.39 pound), flour (.04) and butter (.45). Even back then in the 1920s, the industry had its own trade periodical — and it picked out a prescient issue that would come to dominate the economics of the category.

“During the [1917-18] war, and in the period of reconstruction, we have heard and read much of eliminating the so-called ‘Middleman,’” the editors of Progressive Grocer wrote in its inaugural issue in 1922. “We are convinced, however, that no method has yet been developed that can more economically serve the consumer than the present triumvirate of manufacturer, wholesaler and retailer.”

Outside of the obvious price differences, in some ways, the issues in the grocery business have remained the same, as highlighted in the Progressive Grocer editorial. It’s still about economically serving the consumer. Shoppers will still want to handle their produce, even though digital delivery options abound. Some will still want the experience of seeing the Wheaties box with Simone Biles on the shelf. But in other ways, absolutely everything has changed.

According to the PYMNTS Global Digital Shopping Index, grocery merchants now need to prioritize features that are different from retail merchants for maximum impact. For merchants that provide groceries, “Click and Mortar consumers most want to use their preferred payment method. The next most valued features are rewards — as grocery shoppers want to earn discounts for their loyalty — and digitally available product details. Consumers also want digitally available coupons that are usable both in-store and online.

Looking back can point the way forward. It’s no coincidence, Instacart Chief Product Officer Daniel Danker told Karen Webster, that the company kicked off a recent all-hands meeting with a look at 1924 trends. These days, grocery is all about the Click and Mortar shopper navigating the connected economy. If Instacart is any indicator, the grocery experience is about to get more “shoppable. Looking to become more than just a food delivery service, Instacart is preparing new AI tools for an upgraded digital grocery experience that will move affordability up the priority list in a shift that it believes will strengthen the overall grocery ecosystem.

“It always has to come back to the customer,” Danker told Webster. “It has to solve a problem. We can’t just have technology for the sake of technology.”

Ch-Ch-Changes And AI’s Beginner Phase

Today, Instacart sees the future of grocery shopping as a hybrid model that combines the best of digital convenience with the sensory experience of in-store shopping. Danker told Webster that in the very near future, the back of the store is going to be oriented much more around enabling fulfillment, either for online orders that are delivered or online orders that are picked up. The front of the store will be oriented much more around the set of products that consumers want to browse and touch — tailored, time-efficient and tuned to the changing profile of the grocery store shopper.

Instacart’s AI strategy revolves around convenience and personalization, with features like the “Buy it again function, which typically contains over 200 items for the average user.

“We want to make it effortless, and it’s beginner AI,” he told Webster, explaining that phase one is all about making food decisions effortless for the shopper. “Intermediate and advanced is going to get really exciting.”

Instacart is working on more proactive AI features such as anticipating when customers are likely to run out of certain products and making intelligent suggestions based on past purchases and preferences.

Instacart’s vision for the future of grocery shopping involves what Danker calls a “personal planogram.” This concept aims to break free from the traditional store layout, the foundational plank around which stores are designed and products displayed, creating a uniquely tailored shopping experience for each customer.

“Online, that store really can physically reshape itself around needs,” Danker explains. This personalization extends to understanding dietary preferences, household composition, and even specific recipe needs.  “If my wife adds pancake mix to her cart and she inadvertently adds one that has wheat in it, [a message] will pop up and say, ‘this same brand has a gluten-free version’.”

The personal planogram will also anticipate shoppers’ needs based on their regular cooking habits. “We’re going to start to understand automatically the dishes that you have on rotation in your household, Danker says, explaining how the app could suggest all necessary ingredients for a dish with just a few taps. Their recent partnership with the NY Times Cooking section makes recipes shoppable, something that Danker says is among the most complicated logistical feats in delivery.

“It’s about knowing what’s in the store, and specifically knowing what’s on the shelf,” Danker said. “It’s extremely important. We do that better than anyone. If you’re placing an order right now for tomorrow, and those items are going to get replenished overnight, not letting you buy a certain product because it’s out of stock tonight might be foolish because it’ll be on the shelf by tomorrow morning. That requires so much history, right to every store in every location that we can predict when these items are going to show up on the shelf.”

Making Grocery Shopping More Affordable

With inflation comes a need for affordability — that’s a key focus for Instacart, especially given the rising costs of buying and putting food on the table.  To address this, Instacart is developing features to help customers make more cost-effective choices. One such feature is the personalized digital flyer, which Danker describes as “almost the equivalent of the circular that lands on people’s counters. The difference is we’ve personalized it. And it doesn’t get misplaced or mistakenly thrown away. The digital flyer informs customers about sales on products they regularly purchase across different stores, providing comparison shopping without the need to get in a car and visit multiple stores to save a couple of dollars here and there.

This comes over and above the store loyalty programs integrations Instacart provides its shoppers. “Linking even just the loyalty programs, which we’re also obsessed with making available to customers, is saving customers $8-10 per order,” Danker said.

From Groceries to Eat:  The Uber Eats Partnership

Instacart’s recent collaboration with Uber Eats marks a significant shift in the company’s approach to food delivery. “We are actually no longer a grocery delivery service. We’re a food delivery service, Danker states, emphasizing the company’s evolution to encompass both grocery and restaurant delivery. Danker told Webster that this partnership aligns with Instacart’s goal of meeting customers’ broader food needs. “If you want to serve customers better, you need to understand customer’s motivations. And the customer’s motivation in our case is convenient, healthy food, he said.

Early results from this collaboration are promising. Danker notes that the partnership has been “completely incremental for grocery orders, allaying concerns about potential cannibalization. Moreover, it’s performing particularly well among Instacart Plus members, indicating increased value for subscribers. It’s part of what he sees as the more connected future for the grocery and restaurant category.

Danker says that AI and all the many elements of the current Instacart platform will deliver more affordability, regardless of the channels consumers shop. Instacart’s acquisition of Caper gives shoppers a digital grocery shopping experience using their Instacart credentials in the store, including personalized ads based on what’s already in the shopping cart or items that might complement them. Instacart gives grocery stores an omnichannel experience they don’t have to build themselves, without losing touch with the consumer.

“Instacart’s going to deliver so much access, not just convenience, but access to stores you might not have gone to yourself that actually you’ll be able to get,” Danker said, “and we’re going to satisfy those needs best through Instacart, because we’re so much more connected to the world around you.”

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Dubai regulator VARA classifies RWA issuance as licensed activity
Virtual Asset Regulatory Authority (VARA) leads global regulatory framework - makes RWA issuance licensed activity in Dubai.

Real-world assets (RWAs) issuance is now licensed activity in Dubai.

~ Actual law.
~ Not a legal gray zone.
~ Not a whitepaper fantasy.

RWA issuance and listing on secondary markets is defined under binding crypto regulation.

It’s execution by Dubai.

Irina Heaver explained:

“RWA issuance is no longer theoretical. It’s now a regulatory reality.”

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- RWAs are classified as Asset-Referenced Virtual Assets (ARVAs)

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No more tokenization without venues.
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Creating enforceable frameworks for RWA tokenization that actually work.

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“Tokenization will redefine global finance in 2025.”

He’s not exaggerating.

$500B+ market predicted next year.

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~Real estate.
~Private credit.
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This is how you turn hype into infrastructure.

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Founders, investors, ecosystem builders:

You want to build real-world assets onchain.

Don’t waste another year waiting for clarity.

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🎬Proof the Deep State Planned This War for Years🎬
Nation First outlines how the Israeli attack on Iran was planned by the Deep State and the Military Industrial Complex over 15 years ago.

Prepare to have your mind blown

~Namasté 🙏 Crypto Michael ⚡ The Dinarian

Dear friend,

What just happened in Iran wasn’t a surprise attack. It wasn’t a last-minute decision. It wasn’t even Israel acting alone.

It was a war plan written years ago — by men in suits, sitting in think tanks in Washington and New York. And yesterday, that plan was finally put into action.

Here’s the truth they don’t want you to know: this war was cooked up long before Trump ever became President — and it was designed to happen exactly this way.

Let’s start with what just happened.

Israel launched a massive, unexpected strike on Iran. They hit nuclear facilities. They killed military generals. They struck deep inside Iranian territory — and now the whole region is on edge, ready to explode into full-blown war.

The media is acting shocked. But I’m not. You shouldn’t be either.

Why?

Because we have the documents. They told us this was coming. Years ago.

Exhibit A: The Brookings Institution.

The Brooking Institution is a fancy name for what’s basically a war-planning factory dressed up as a research centre. Back in 2009, Brookings published a report called Which Path to Persia?

It laid out exactly how to get the U.S. into a war with Iran — without looking like the bad guy.

Here’s the sickest part:

“The United States would encourage — and perhaps even assist — the Israelis in conducting the strikes… in the expectation that both international criticism and Iranian retaliation would be deflected away from the United States and onto Israel.”

Let that sink in.

They literally suggested using Israel to start the war, so America could stand back and say, “Wasn’t us!”

They even titled a chapter of this report: “Leave It to Bibi” — naming Netanyahu as the guy to light the match.

Exhibit B: The Council on Foreign Relations (CFR).

The Council on Foreign Relations is an another Deep State operation. Also in 2009, CFR published a “contingency memothat laid out the whole military plan for an Israeli strike on Iran — step by step.

  • What routes the jets would fly (over Jordan and Iraq).

  • What bombs they’d use (the biggest bunker-busters in the U.S. arsenal).

  • Which Iranian sites to hit (Natanz, Arak, Esfahan).

  • And how Iran might respond (missiles, drones, threats to U.S. bases).

It’s like they had a time machine. Because those exact strikes just happened following the routes, likely using the bombs and hitting the sites that the CFR outlined.

Exhibit C: The Plot to Attack Iran by Dan Kovalik.

This one really blows the lid off.

US human rights lawyer and journalist Dan Kovalik, in his book The Plot to Attack Iran: How the CIA and the Deep State Have Conspired to Vilify Iran, shows how the CIA and Israel’s Mossad have been working together for decades — not just watching Iran, but actively sabotaging it. Killing scientists. Running cyberattacks. Feeding lies to the media to make Iran look like it’s always “six months away” from building a nuke.

He even reveals how they discussed false flag attacks — faking an Iranian strike to justify going to war. That’s not a conspiracy theory. That’s documented strategy.

And here’s where President Trump comes in.

Unlike the warmongers who wrote these plans, Trump wasn’t looking to bomb Iran. He wanted to talk. Negotiate. Make a deal — like he did with North Korea.

In fact, peace talks with Iran were just days away.

But someone didn’t want peace. Someone wanted war.

So Israel went in — just like the Brookings script said — and lit the fuse.

Trump didn’t authorise it. He didn’t want it. But they gazumped him. They went around him. And now, the peace he was trying to build has been blown to bits.

This was never about Iran being a threat. It was about keeping the war machine fed.

Think tanks, defence contractors, foreign lobbies — they don’t profit from peace. They thrive on tension. On fear. On war.

And now, thanks to them, the world’s one step closer to the edge.

If you’ve never trusted the mainstream media, you’re right not to.

If you’ve ever suspected there’s a shadowy agenda behind every war, you’re not paranoid.

You’re paying attention.

Because the documents are real. The war was planned. And the bombs are falling — right on schedule.

Pray for Iran’s civilians.

Pray for the Israelis caught in the crossfire.

Pray for a President who still wants peace.

And pray that we wake up before it’s too late.

Because the war has started.

But the truth has just begun to spread.

Until next time, God bless you, your family and nation.

Take care,

George Christensen

Source:

George Christensen is a former Australian politician, a Christian, freedom lover, conservative, blogger, podcaster, journalist and theologian. He has been feted by the Epoch Times as a “champion of human rights” and his writings have been praised by Infowars’ Alex Jones as “excellent and informative”.

George believes Nation First will be an essential part of the ongoing fight for freedom:

The time is now for every proud patriot to step to the fore and fight for our freedom, sovereignty and way of life. Information is a key tool in any battle and the Nation First newsletter will be a valuable tool in the battle for the future of the West.

— George Christensen.

Find more about George at his www.georgechristensen.com.au website.

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The Possible Impact Of USDC On The XRP Ledger And RLUSD
Key Points
  • It seems likely that USDC on the XRP Ledger (XRPL) boosts liquidity, benefiting XRP, though some see it as competition for RLUSD.
  • Research suggests both stablecoins can coexist, enhancing the XRPL ecosystem.
  • The evidence leans toward increased network activity being good for XRP, despite potential competition.

The recent launch of USDC on the XRP Ledger has sparked discussions about its impact on the ecosystem, particularly in relation to RLUSD, Ripple's own stablecoin. This response explores whether this development is more about competition for RLUSD or if it enhances liquidity on the XRPL, ultimately benefiting XRP.
 

Impact on Liquidity and XRP

The introduction of USDC, a major stablecoin with a $61 billion market cap, likely increases liquidity on the XRPL by attracting more users, developers, and institutions. This boost can enhance DeFi applications and enterprise payments, potentially driving demand for XRP, the native token used for transaction fees. While some may view it as competition for RLUSD, the overall effect seems positive for the XRPL's growth.
 

Competition vs. Coexistence with RLUSD

USDC and RLUSD cater to different needs: USDC appeals to those valuing regulatory compliance, while RLUSD, backed by Ripple, may attract users preferring ecosystem integration. Research suggests both can coexist, increasing options and fostering innovation, rather than purely competing.
 

Detailed Analysis of USDC on XRPL and Its Implications

The integration of USDC on the XRP Ledger (XRPL), announced on June 12, 2025, by Circle, has significant implications for the ecosystem, particularly in relation to RLUSD, Ripple's stablecoin launched in 2024. This section provides a comprehensive analysis, exploring whether this development is more about competition for RLUSD or if it enhances liquidity on the XRPL, ultimately benefiting XRP.
 

Understanding RLUSD and Its Role

RLUSD, Ripple's stablecoin, received approval from the New York Department of Financial Services (NYDFS) in 2024 and is designed to be fully backed by cash and cash equivalents, ensuring stability. It is available on both the Ethereum and XRP Ledger blockchains, aiming to enhance liquidity, reduce volatility, and serve cross-border payments. With a current market cap of $413 million, RLUSD is smaller than USDC's $61 billion but has regulatory credibility, particularly appealing to institutions.
 

Impact of USDC on the XRPL

The launch of USDC on the XRPL is a significant development, given its status as the second-largest stablecoin by market cap.
 
Key impacts include:
  • Liquidity Boost: USDC's integration can attract more users, developers, and institutions, increasing overall liquidity. This is crucial for DeFi applications, as Circle's announcement emphasizes its use in liquidity provisioning for token pairs and FX flows.
  • Increased Utility: USDC enhances the XRPL's utility for enterprise payments, financial infrastructure, and DeFi, potentially making it more attractive for global money movement and transparent settlements.
  • Regulatory and Institutional Appeal: As a regulated stablecoin issued by Circle, USDC can bring institutional users to the XRPL, aligning with Ripple's goals for regulated financial activities.
  • Network Growth: Supporting a widely recognized stablecoin like USDC on 22 blockchains, including the XRPL, increases the network's visibility and adoption, potentially driving more activity.

Competition vs. Complementarity with RLUSD

While USDC's launch could be seen as competition for RLUSD, the evidence suggests a more nuanced relationship:
  • Competition: Both are stablecoins on the XRPL, and USDC's larger market presence ($61 billion vs. RLUSD's $413 million) might attract users and developers away from RLUSD. However, competition can drive innovation, such as lower fees or better services, benefiting the ecosystem
  • Complementarity: Different stablecoins cater to different needs. USDC appeals to users valuing regulatory compliance and widespread adoption across multiple blockchains, while RLUSD, backed by Ripple, may attract those preferring ecosystem integration and regulatory approval from NYDFS. The XRPL can benefit from having multiple options, increasing liquidity and fostering a diverse ecosystem.
  • Coexistence Benefits: Research suggests that having multiple stablecoins enhances liquidity and provides users with more choices, potentially leading to higher network activity. For example, institutions might use USDC for global payments and RLUSD for specific XRPL-integrated applications, creating a symbiotic relationships.

Impact on XRP

The introduction of USDC, alongside RLUSD, is likely beneficial for XRP, the native token of the XRPL, for several reasons:
  • Increased Liquidity and Activity: Higher liquidity on the XRPL, driven by both stablecoins, can increase transaction volumes. XRP is used for transaction fees, with some fees burned, potentially reducing supply over time and increasing demand.
  • DeFi and Enterprise Use Cases: Both USDC and RLUSD enhance DeFi and enterprise applications, such as liquidity pools and cross-border payments, which can drive demand for XRP as a settlement token.
  • Network Growth: A more liquid and active XRPL is more attractive to developers and users, potentially leading to long-term growth for XRP, as increased utility can drive its value.
Expert analyses, such as those from u.today and ledgerinsights.com, suggest the launch is a "massive boost" for liquidity and adoption, with RLUSD also playing a significant role.
 

Comparative Analysis: USDC vs. RLUSD

To further illustrate, consider the following table comparing key attributes:
 
Given the evidence, it is more accurate to view the introduction of USDC on the XRPL as beneficial for liquidity, which is ultimately good for XRP, rather than solely as competition for RLUSD. The XRPL benefits from increased options, with both stablecoins enhancing liquidity, utility, and network growth. While some competition exists, the overall impact is positive, fostering a robust ecosystem that can drive demand for XRP. This conclusion aligns with expert analyses and community discussions, acknowledging the complexity of the stablecoin market within the XRPL.
 

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