In its October 2026 report, the @AtlantaFed says US companies spend about $1,024 per employee per year on AI. But if we look at their May post, the very same survey shows $2,068.
I think we can be fairly confident that both numbers are right. The only difference is how many of the biggest spenders you count. Cut the top 5%, and the average falls by half. A small number of companies account for almost all the spending, while the rest simply buy a few subscriptions.
$1,024 a year is roughly one ChatGPT license + one Copilot, and that’s it. No agents, no API, no premium tools. If we look at @tryr

Alexx0 2 days ago

everyone panicking about new algorithm
me, on twitter/x since 2018:
“baby, i don’t care”

Alexx0 2026-11-05

@tradexyz: the money did not leave, it settled in
Everyone talks about RWA perp volume. Volume does not tell you what people do with the contracts. For that you need open interest and one operation: divide the first by the second. So I did. Here is the result.
Weekly volume on @tradexyz rose from $300M in November 2025 to a peak of $36.4B in the week of 27 July. In the week of 2 November it was $13.4B, 37% of the high. Look only here and the market has cooled.
OI moved differently: $59M in November 2025, $1B in early March, $3B at the end of June, $4.37B in the week of 2 November - an all-time

Alexx0 2026-10-30

Stablecoin apps I’m tracking that have shipped product with no priced VC round on record:
(A+) @rio_latam - $3B+ annual stablecoin volume in LATAM, confirmed on-chain. YC-backed, nothing since.
(A) @subyhq - MoR gateway with stablecoin settlement, 800+ merchants, Circle partner.
(A) @musepay_io - licensed in HK, Australia and El Salvador. Zero disclosed capital.
(A) @cashi - stablecoin cashback card, public beta in HK since Aug 2026.
(A) @UseArtisan - USDC bill-pay for US renters. Waitlist stage.

CRCL+1.81%

USDC+0.01%

Alexx0 2026-10-30

Meta has stopped accepting cards from another issuer. This week, some advertisers paying for @Meta Ads with cards from neobank @slashapp lost access to their ad accounts: Meta stopped accepting part of Slash's credit BINs.
Slash confirmed the incident in a message to clients and says 95% of affected users are already back up, with a working fix being a debit BIN or paying invoices via ACH.
Meta hasn't given a reason. But the scale is notable: according to Slash's CEO, almost 2% of all Meta ads are purchased with Slash cards, and about $4B a year runs through the company's credit cards.
The mo

Alexx0 2026-10-29

SEPA Instant does almost everything that USDC does for intra-European payments.
Its advantage only becomes apparent at the interfaces: between jurisdictions, between currencies, between organizations with incompatible systems, and in corridors with weak banks.
In other words, stablecoins are not a replacement for payment systems, but rather the glue that holds together payment systems that don’t integrate well.

USDC+0.01%

Alexx0 2026-10-28

How many stablecoin cross-border B2B companies are actually funded?
I reviewed 589 companies from the @VerdaVentures Stablescape list and checked each one individually for confirmed funding rounds across all available sources.
I also removed projects that had been misclassified into the category, which left 568 real ones.
Result: 193 of 568 ( 34% ) have a confirmed funding round. 375 ( 66% ) show no public evidence of outside capital.
Of the 193 funded:
- 159 disclosed the amount - $4b in total, median $7m per company
- 34 raised money but did not disclose the size
What else the check revealed

Alexx0 2026-10-23

If you want to build a product with stablecoin payments, all you need to do is build a stable product with good service, support, and transparent fees.
That’s it - there’s no need to mask a weak product with hundreds of new features, like AI where it’s not needed, or bots that are supposed to make life easier but instead create more hassle for the customer and the development team.
Everything should be simple and easy to understand, even for a 10-year-old.

STABLE-1.39%

Alexx0 2026-10-19

⚠️ BREAKING: @1inch is winding down the 1inch Card.
The programme closes on 18 December 2026, and new sign-ups are already shut.
Cardholders are advised to spend or withdraw their balance before that date. Account closure, KYC and data requests are handled by the card issuer, Crypto Life (CL).

1INCH-0.84%

Alexx0 2026-10-19

At the moment, most stablecoin payment products are UIs built on top of three licensed off-ramp providers.
A payment doesn’t end on the blockchain; it ends when the merchant receives fiat in their account.
Almost everyone outsources this final step to @Stablecoin, @BVNKFinance, @zerohashx, or a local partner bank. In other words, the margin, compliance, and FX spread belong not to the product but to the rail provider.

Alexx0 2026-10-17

In December 2025 @ARKInvest put my Crypto Cards dashboard into its DAT Market Snapshot. @ether_fi was the lead name on that slide, with $56M of card spend that month.
Ten months later, pulling EtherFi Cash on its own: $1B in cumulative card spend, crossed on 17 October. $815M of it came after that slide.
The first $500M took 18 months from launch. The second $500M took four and a half. Monthly volume went from $56M in December to $129M in September, with October running at ~$140M.
12.7M transactions, 117.6K cards since launch.

Alexx0 2026-10-17

🔥 Hot take: Stablecoin payments are a deposit business disguised as a payment business.
The entire economy revolves around float: whoever holds the balance earns money on T-bills. Payments are simply a way to draw the balance toward oneself.
That’s why issuers and exchanges will prevail, while pure payment startups without access to the float will be nothing more than resellers with margins that shrink to zero year after year.

Alexx0 2026-10-14

After three years running Obchakevich Research solo - work cited by Forbes, CoinDesk, The Block, and used by a16z crypto, ARK invest, GSR, Keyrock, Polygon Labs, Avalanche, Flagship Advisory Partners and others - I’m opening up for one full-time or long-term retainer role.
I’ve been researching stablecoin payments since 2023, before it became a category. I know how these businesses actually work under the hood - on-chain flows, settlement, unit economics - and how to separate real payment volume from announcements.
What I’m looking for: Investment Analyst / Head of Research at a crypto fund or

Alexx0 2026-10-12

Meanwhile, @Visa ($V) is hitting a new ATH despite a modest 10% gain YTD

V-0.52%

Alexx0 2026-10-10

Four companies account for 60% of all chip purchases: $AMZN, $GOOG, $MSFT, $META
Sometimes I feel like I don't have enough of these companies in my portfolio 👀

AMZN+4.14%

GOOG+2.97%

MSFT+2.07%

META+4.67%

1
4
5.84k

Alexx0 2026-10-10

. @stripe paid $1.1B for Bridge (@Stablecoin). Here is what one of its wallets shows on-chain.
A single Bridge hot wallet moved $13.3B in stablecoins across 13 EVM chains from January 2025 to September 2026. Monthly volume grew from $10M to $1.85B.
For most of that time it was a USDC story: $11.4B, or 86% of everything the wallet sent.
September changed the picture. OUSD (@openstandard) went from test transfers to $456M in one month and took 25% of the volume. 99% of it ran on @tempo, the Stripe-backed chain.
October looks different. ethereum:0x9f6f3991d525015a6f8caf062c83b62fd3ac4436 has alre

USDC+0.01%

ETH-1.26%

SOL-0.77%

TRX+0.42%

3
6.49k

Alexx0 2026-10-08

Who is making money on @RobinhoodCrypto meme coins?
I counted 373k unique wallets across the network’s nine most popular meme coins (540k positions, since some users traded multiple meme coins) and another 160k positions on random tokens from four launchpads. The short answer: only a minority is making money.
1. Even among the top performers, only 41% of wallets are in the black. No single group reaches even half that figure. For random tokens, the percentage is even lower: @Noxa_Fi - 36.7%, Doppler - 33.2%, @ponsdotfamily V1 - 14.7%.
2. A hit token protects against major losses but doesn’t m

MEME-0.94%

PONS+4.32%

TOKEN-0.16%

Alexx0 2026-10-08

Stablecoin payments will have an advantage where the existing payment infrastructure is very slow, expensive, or both. Where services like Pix or SEPA Instant are available, users simply have no reason to switch.
That’s why onboarding a non-crypto audience isn’t just a matter of packaging. You need to hide the blockchain under the hood, but that’s not enough: a product that looks like regular fintech competes with Revolut or Wise.
The winners will be those who hide the complexity but demonstrate a measurable advantage - cheaper, faster, or available where there are no alternatives.

Alexx0 2026-10-07

Many payment projects are guilty of artificially inflating their transaction volumes.
Of course, they need to show ventures that the project is growing and that the money wasn’t wasted.
But many of them don’t realize that onchain transaction volumes can be broken down in detail, revealing that there may be no real payment activity at all.

Alexx0

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