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🤖The NVIDIA Jetson Orin Nano: Unlocking New Potential for Theta Network🤖
December 22, 2024
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The NVIDIA Jetson Orin Nano: Unlocking New Potential for Theta Network’s IoT Edge Revolution  ((From Smart Surveillance to Federated AI — Discover How Jetson Orin Nano Redefines Edge Intelligence for the Theta Network))

As the world of edge computing evolves, Theta Network is at the forefront of decentralized innovation, about to shock the world with its tech. Traditionally known for powering content delivery and video streaming, Theta’s role is rapidly expanding to include the Internet of Things (IoT), AI processing  and AI-powered edge computing. Contributing, in its own way, to this shift is hardware like the NVIDIA Jetson Orin Nano Super Developer Kit — a compact, AI-enabled edge device designed to handle computationally intensive AI tasks at the network’s edge. While it’s not an ideal choice for a typical Theta Edge Node due to its hardware limitations, its true potential lies in IoT and edge AI applications. Here, we’ll explore the limitations of the Jetson Orin Nano as a traditional Theta Edge Node and highlight its numerous strengths in IoT-related use cases.

 

The NVIDIA Jetson Orin Nano Falls Short as a Standard Theta Edge Node

A conventional Theta Edge Node is responsible for handling decentralized video streaming, file relay, and computational tasks that require robust CPU, memory, and storage capacity. Here’s how the Jetson Orin Nano’s specs compare to the ideal requirements for Theta Edge Nodes:

CPU: The Jetson Orin Nano’s 6-core Arm Cortex-A78AE CPU has sufficient cores, but its ARM-based architecture is less powerful than the x86/x64 CPUs found in modern desktops and servers.

Memory: With 8GB of LPDDR5 RAM, the Jetson Orin Nano falls short of the recommended 16GB or more for efficient Theta Edge Node operation, especially for video buffering, file transfers, and handling concurrent tasks.

Storage: The Jetson Orin Nano typically relies on eMMC or microSD storage, which is slower and smaller in capacity than the 256GB SSD recommended for Theta’s Edge Nodes.

Network: With gigabit Ethernet support, the Jetson Orin Nano meets Theta’s 5 Mbps minimum upload/download requirement.   (GOOD!  We can still use it!!)

GPU: The Jetson Orin Nano’s strongest feature is its GPU, which offers 67 TOPS of AI compute power. While traditional Theta Edge Nodes don’t necessarily require GPU acceleration, this capability opens doors for AI-enhanced workloads.  

These limitations make the Jetson Orin Nano unsuitable as a primary Theta Edge Node for file relay, large-scale content delivery, or intensive video streaming. However, its AI and IoT strengths present a different story — one where the Jetson Orin Nano could play a game-changing role in IoT-driven Edge AI applications.

 

Where the Jetson Orin Nano Excels: IoT Applications for Theta Network

While the Jetson Orin Nano may not be ideal for a traditional Theta Edge Node, it excels in IoT applications where low-latency AI, real-time data processing, and edge intelligence are critical. Here’s how this device’s unique features create new possibilities for Theta’s role in IoT ecosystems.

1. Smart Video Transcoding at the Edge

How it works: The Jetson’s GPU can transcode video from surveillance cameras in real time, converting it to efficient formats like H.264 or H.265 before uploading it to Theta’s network.

Use case: Imagine a network of smart cameras at a construction site, each streaming raw video. Instead of uploading raw video, the Jetson Orin Nano processes it on-site, reducing bandwidth usage while maintaining high-quality video.

2. AI-Powered Object Detection and Analytics

How it works: Using computer vision models (like YOLOv8), the Jetson’s AI engine identifies objects and patterns in images and video streams.

Use case: In wildlife monitoring, trail cameras often capture thousands of images, most of which are empty. The Jetson Orin Nano can automatically filter out empty images and only upload images containing animals to Theta’s Edge Nodes. This minimizes storage and bandwidth usage.

3. IoT Gateway for Smart Home Systems

How it works: The Jetson Orin Nano acts as a hub for smart home IoT devices, collecting and processing data from air quality monitors, motion sensors, and thermostats.

Use case: In a smart home, IoT sensors collect vast amounts of raw data. The Jetson can preprocess this data and only send significant events (like temperature spikes) to Theta’s Edge Nodes, cutting down on unnecessary network usage.

4. Predictive Maintenance for Industrial IoT

How it works: IoT sensors on industrial machinery send vibration, sound, and temperature data to the Jetson, which uses AI models to predict equipment failures.

Use case: A factory’s HVAC system might show early signs of failure (like abnormal vibration). The Jetson’s AI system detects this anomaly and uploads a maintenance alert to Theta’s network, preventing costly downtime.

5. Decentralized Federated Learning for AI Models

How it works: Federated learning allows devices to train machine learning models locally and only share updates with Theta’s network (instead of raw data).

Use case: Wearable health devices track users’ vitals (heart rate, oxygen levels, etc.). Instead of uploading sensitive data, these devices train AI models locally on the Jetson and only share model updates with Theta’s network, ensuring privacy and efficiency.

6. Real-Time Video Analytics and Threat Detection

How it works: The Jetson analyzes live video feeds for movement, unusual behavior, or unauthorized entry, sending only relevant event clips to Theta.

Use case: Retail stores use surveillance cameras to track shopper behavior. If the Jetson detects shoplifting, it uploads a video snippet of the event to Theta, while ignoring regular customer movement, saving bandwidth.

7. Smart Content Caching and Delivery

How it works: The Jetson’s AI predicts which content will be most popular in a given area and preloads it to local devices, acting as a local content cache.

Use case: In schools with limited bandwidth, the Jetson preloads educational videos based on local demand. When students access these videos, they are served instantly from the local cache instead of streaming from Theta’s network.

 

The Role of Theta Network’s IoT Future

Theta Network’s mission is evolving from video streaming to powering decentralized edge intelligence. IoT devices will form the backbone of this shift. By processing data at the edge (like AI inference on the Jetson Orin Nano), Theta can reduce bandwidth usage, lower latency, and support privacy-first IoT networks. Here’s how Theta will evolve:

AI-Powered IoT Systems: Devices like the Jetson Orin Nano enable IoT devices to run AI models locally, reducing the need for cloud processing.

Content Delivery with Edge Intelligence: Smart content caching ensures that frequently accessed content is served locally, speeding up access times.

Privacy-Preserving Data Processing: With federated learning, only encrypted model updates are shared with Theta, not raw user data.

 

The NVIDIA Jetson Orin Nano may not fit the role of a traditional Theta Edge Node due to limited CPU power and memory. However, it’s a game-changer for IoT applications. From smart surveillance to federated learning, the Jetson can transform how Theta handles edge AI, predictive maintenance, and decentralized IoT systems. As Theta’s role expands into IoT, devices like the Jetson will be at the heart of its evolution, making edge computing smarter, faster, and more secure than ever before.

=====   

The content of these articles is for general informational purposes only and should not be considered investment advice. The author is a nominal investor in Theta Network and Theta Token, and their views are largely optimistic, potentially reflecting personal investment interests. Readers should conduct their own research and consult with a professional before making investment decisions.
 
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HOW TO BUY THETA TOKEN AND TFUEL  (Even if you are  in the USA):       

1) Download the crypto.com app, and become a member using my referral code: wybt6q76ar which will help me out and support my work.

2) Purchase Tfuel on the app and send to one of your Theta Wallets.

3) Go to Theta Swap and swap 99% of the Tfuel into Theta, keeping 1% behind for future gas fees, that you will need to move tokens later. Note: If your using the mobile wallet, you can do this step right inside the wallet itself.

4) Once you have 1000 Theta toens, you can stake the Theta and be rewarded in more Tfuel. 

5) Be patient and you will be greatly rewarded in the future.

 

Conclusion:

The NVIDIA Jetson Orin Nano exemplifies how cutting-edge hardware can redefine edge intelligence for the Theta Network, extending its capabilities beyond traditional video streaming and file relay. While its specifications fall short of the demands for a standard Theta Edge Node, its true strength lies in enabling AI-powered IoT applications, such as real-time video analytics, federated learning, and predictive maintenance. As Theta Network continues to evolve into a decentralized platform for edge intelligence, the Jetson Orin Nano’s role highlights the transformative potential of integrating advanced edge devices into IoT ecosystems. Together, Theta and the Jetson are set to push the boundaries of innovation, paving the way for smarter, more efficient, and privacy-preserving IoT solutions.

 

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I have been saying for YEARS that taxes have been đź’Ż % VOLUNTARY since WWII. DYOR, they started as VOLUNTARY DONATIONS for the war effort. They need this to look legit, if the people realized that the government has been lying to them for all these years, it would be instant chaos and a new civil war and revolution.

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🔹DNA’s fractal geometry could allow it to interact with electromagnetic fields across multiple scales.

🔹This means it might function not just as a biochemical data store, but also as a signal receiver/transmitter within biological systems.

🔹Potential implications for bio-communication, energy transfer, and even novel sensing technologies.

If true, this reframes DNA as bio-hardware—not just code, but a physical interface with the EM spectrum.

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👉Dinarian Note: This could be their attempt at fixing their crashes during altseasons. Time will tell right?⌛It can't hurt to be prepared! I still use this for 99% of my trades, it's like the "Tripadvisor" of crypto, finding the cheapest and fastest routes around. 🔗https://rebrand.ly/wk2aq8r

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One click strategies on @suilendprotocol, powered by $Pyth Network đź”®

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Douro Labs is continuing its conversation with the @SECGov’s Crypto Task Force on enabling market participants to rely on pricing data from decentralized oracle networks like @PythNetwork.

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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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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

đź”— Crypto – Support via Coinbase Wallet to: [email protected]

 

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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.

 

đź‘€Things to know đź‘€

 

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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