哈基米121238

What the agent economy is really competing for isn’t slogans—it’s the settlement rails.

Circle is publicly positioning USDC as the currency for agents. According to its own figures, almost all the value of x402-related transactions is in USDC (around 99%+), and agent-related transaction volume has reached the hundreds of millions.

On the other side, Privy, part of Ripple × Stripe, has integrated wallets into XRPL, making it easier for apps and AI agents to hold and spend funds directly. The industry’s figures: agent payments on XRPL have surpassed ten million transactions, and some say they account for about 1/4 of ledger activity. These numbers are self-reported by companies and executives, so for now, treat them as “what they want the market to believe.”

During the same period, USDC was also designated by European regulators as the EU’s first significant e-money token. Regulatory backing and payment infrastructure are both getting a boost.

So which rail will agents actually default to? USDC, XRPL (XRP / RLUSD), or something else?

#AI #stablecoin $BTC

What do you think about Sol establishing its Asian headquarters in Shanghai?

For Chinese travelers, Southeast Asia is the way to go.

When Chinese people think about traveling abroad, South Korea and Japan may be the first places that come to mind.

But once the flights are booked, the real pressure begins: you have to budget for hotels, meals, shopping, and activities. When you’re checking the price of everything on a trip, your body may be abroad, but your mind is still doing the math.

The best thing about Southeast Asia is the freedom. Order whatever you feel like eating, try whatever you feel like doing. Chase the sunset today, sleep in tomorrow, and change your plans at the last minute without worrying about the cost.

Both are trips abroad: South Korea and Japan offer sophistication; Southeast Asia lets you do whatever you want.

The Southeast Asia philosophy is spot on: the real feeling of being on vacation is not having to spend money while constantly holding yourself back.

Cheaper than all brokerages

A corporate culture that doesn’t treat employees like human beings—don’t you Chinese speakers get it yet? We want companies that respect their employees! $NVDAB

Today's topic: An abnormal hardware implant was discovered in a Ledger cold wallet. Are cold wallets really safer than exchanges?

Someone was able to install a “backdoor” in a cold wallet ahead of time. This is more alarming than an ordinary exchange hack.

On October 11, Ledger updated its investigation into the CryptoBilis incident involving its Southeast Asian distributor.

So far, it has confirmed that at least one affected hardware wallet contained an unauthorized hardware implant.

On-chain investigators estimate that the suspected amount stolen exceeds $86 million, but Ledger has yet to confirm the exact losses or determine the cause of every incident.

Here’s the most ironic part.

Many people move their BTC and ETH from exchanges to cold wallets because they’re worried an exchange might collapse or get hacked, and want to have full control of their assets.
But now it turns out that before the wallet even reaches them, someone may already have tampered with it.

It makes me wonder:
The crypto world has always emphasized “Not your keys, not your coins.”

But if we can’t completely trust even the device that generates our private keys, what exactly is this supposed financial sovereignty built on?

Of course, the confirmed cases so far are limited to the CryptoBilis channel. That doesn’t mean all Ledger devices are compromised.

If you had 1 million USDT, would you keep it on a major exchange like Binance, or in a cold wallet under your own custody?

I’d really like to hear what you’d actually choose.
#crypto #Web3 $ETH

China is about to face a massive wave of retirements.

Research and media estimates suggest that from 2022 to 2031, an average of around 20 million people in China will retire each year—about 55,000 a day.

What does that mean? Every day, a population the size of a small county leaves the workforce.

Meanwhile, young people are still worrying about wages, mortgages, and jobs, while businesses are also facing social insurance contribution costs.

A judicial interpretation taking effect in September 2025 further clarifies that agreements in which employees voluntarily waive social insurance coverage are invalid.

Here’s the question:

Healthcare aside, young people today are paying into social insurance for decades. When they retire, what level of pension benefits will they still be able to count on?

The current pay-as-you-go system already doesn’t bring in enough to cover payments. They’d find you even if you hid in the mountains. It’s a disguised head tax. When we’re old, who will pay us?

Do you think young people in the future will mainly rely on social insurance for retirement, or on assets they’ve accumulated themselves in advance? Make sure you plan your asset allocation.

#中国经济 #社保 #退休潮 #养老金 #强制社保 $QQQM.ETF

Hype: One year after the 10/10 crypto crash, BTC and ETH have recovered—but why haven’t altcoins?

The hardest part of a crypto crash isn’t the plunge itself. It’s realizing afterward that nobody is willing to buy the dip.

Yesterday marked one year since the crypto market’s “10/10” crash.

On October 10, 2025, more than $19 billion in positions were liquidated across the crypto market in a single day. Anyone who traded futures probably still remembers it.

A year later, CoinDesk Research has published some pretty sobering data:
The order book depth within 1% of BTC’s price is up about 75% from the day of last year’s crash. ETH liquidity has also recovered significantly. But altcoins are a different story altogether.

For the altcoins in the study, dollar-denominated liquidity depth within 5% of their prices has actually fallen by about a third compared with early 2025.

In other words, buyers have returned for BTC and ETH, but many altcoins are still waiting for capital to come back.

There used to be a popular idea in crypto: BTC goes up, then ETH; once ETH has had its turn, altcoins rise across the board.

But lately, I’ve been wondering more and more whether that pattern still holds.

There are more and more new coins, but capital isn’t growing without limit. Maybe the future won’t mean no altcoin season at all—it’ll just mean that only a handful of projects really take off.

Do you think the next bull market will bring an across-the-board altcoin rally like the one in 2021?
#crypto #altcoins

$HYPE

The crypto industry’s next battle for user attention could be prediction markets.

On October 9, Blockchain.com applied for U.S. CFTC registration, preparing to expand into prediction markets and crypto derivatives.

In some overseas markets, it has already integrated with Polymarket and Hyperliquid.

I think what crypto platforms compete on in the future won’t just be tokens, fees, and liquidity.

It’ll be about who can let users trade crypto assets, derivatives, and even real-world events all in one app.

But here’s the question: are prediction markets a financial innovation, or just something repackaged in a new guise?

#wep3

For Chinese investors venturing overseas, there are nine hurdles to clear.

① Taking the first steps: Buying 100 yuan of the Nasdaq every day through Alipay, feeling like I’ve already got a job on Wall Street. Then I found out you can’t sell OTC funds during market hours, and exchange-traded ETFs at brokerages can trade at a premium.

② Starting to catch on: Heard that Hong Kong bank accounts are handy, so I started researching ID cards, passports, proof of address—I nearly memorized every Hong Kong bank branch.

③ First breakdown: Finally got a Hong Kong bank account and a Longbridge account, only to find I couldn’t get my money in. Foreign exchange quotas, cross-border transfers, bank risk controls—I had to go back to school all over again.

④ In deeper than ever: After learning about CRS, I started researching HSBC Global, Wise, iFAST, Interactive Brokers, and Charles Schwab one by one. I had more finance apps on my phone than games.

⑤ The channels are open: ACH, SEPA, SWIFT—I can rattle them off in my sleep. I went to the bank to ask about a cross-border transfer and realized I knew more than the customer service rep.

⑥ Discovering crypto: Started looking into USDT—exchange it for euros, transfer it to a bank, then exchange it for dollars. The money goes halfway around the world, all just to fund my US stock account.

⑦ Obsessed: I can spend all night researching just to save 0.5% on currency conversion losses.

⑧ Beyond help: Four bank cards, three brokerages, five exchanges. If I need to know where my money is, I have to check the notes app on my phone.

⑨ No hope left: Spent three hours working out a new way to fund my account and finally saved $2 in fees. Five minutes after the US market opened, I was down $200.

The next morning, I woke up and carried on researching how to save that $2. 🤣

You’ve cleared the whole game, you’ve cleared the whole game! After more than half a year of all this hassle, there really are so many talented people online. This sums it up perfectly.

Why run all over the place? Binance has it all! 😂

$SPCXB

The development of AI may be bringing a new problem to Crypto.
Ethereum researcher Justin Drake warns: in the future, AI may find a mathematical shortcut to crack wallet signature algorithms.
Vitalik, however, reminds everyone to take the risks seriously, but don’t rush to move assets.
There are no real-world cracking cases yet.
I think the real thing worth thinking about is:
As AI becomes increasingly powerful, can blockchain security technology keep up?
In the next round of Crypto competition, security may be more important than TPS.
Are you worried that AI could threaten wallet security?
#Crypto $BTC

In the future, you may not have to worry about which chain to choose when transferring USDT.
On October 8, Polygon announced that Open Money Stack now supports TRON.
Businesses can use a single API to connect bank deposits, USDT transfers, cross-chain swaps, and withdrawals.
I think the real challenge for the next phase of crypto isn’t building yet another faster chain.
It’s making sure ordinary people don’t have to learn about gas fees, cross-chain bridges, and all the different networks.
The more mature the technology gets, the less users need to understand it.
The future of stablecoin payments may not be about TPS, but about who makes them easiest to use.
Do you think we’ll still have to manually choose a chain when transferring USDT in the future? $ETH

The next phase for crypto exchanges may not be “deregulation,” but a race to secure regulatory licenses.
The U.S. CFTC has proposed a new framework: platforms offering leveraged and margin crypto trading can enter the federal regulatory system, while also meeting requirements such as preventing market manipulation and providing proof of reserves.
I think this sends a very clear signal:
Regulation is shifting from “Should we regulate crypto?” to “How can we make crypto operate legitimately?”
Going forward, an exchange’s real competitive edge may not simply be the number of coins it lists, low fees, or strong liquidity, but rather—who can secure compliant access to the world’s major markets.
$NVDAB

$AIPO.ETF GOAT

USDTUSDT is back to Bitcoin again.
This time it’s not just “supporting another chain.”
With RGB, the future plans include:
private USDT transfers, direct BTC/USDT exchanges, and even native BTC collateralized lending—no need to wrap it into WBTC first.
I think what’s really worth watching isn’t that USDT gains another entry point, but whether—
Bitcoin will grow back payment and DeFi use cases instead of just “holding and waiting for price increases.”
If the experience can be as simple as TRON, would you use the Bitcoin network to transfer U?$USDT

What about Sentosa Cove? Planning to buy a set of [private] villas $BTC

The window for finding a job in Web3 seems to be open again.
Latest data:
In July: 382 positions
In September: 1,241 positions
Over 3 months, the number of roles grew more than 3x, but the number of applicants actually dropped by about 27%.
What’s even more noteworthy is that the demand is no longer just for developers: Finance, Trading, Stablecoin, AI, Security, and Compliance are all hiring.
So if you want to get into Web3, not knowing how to code doesn’t mean you have no opportunities.
Rather than waiting for “the bull market to arrive before entering the industry,” it’s better to start building your industry resume now.
Do you think Web3 jobs will see another round of hiring soon?

What does that mean?