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What is a 𝐬𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧? Is it going to change the payment flow? 👇 The diagram below shows how fiat-backed stablecoin USDC is created and destroyed. 𝐅𝐢𝐚𝐭 → 𝐒𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 Step 0 - A ERC-20 smart contract is deployed on the blockchain, with stablecoin token detail. Step 1 - Bob transfers $100 from his fiat wallet to the custodian (a bank or a trust company) who maintains the fiat reserve for the stablecoin issuer, in exchange for 100 USDC. Step 2 - The custodian confirms the transaction and asks the stablecoin issuer to mint and transfer stablecoins. Steps 3 and 4 - The stablecoin issuer mints new tokens and transfers them to Bob’s crypto wallet. It is called “𝐬𝐭𝐚𝐛𝐥𝐞” because it is 1:1 pegged to USD. Steps 5 and 6 - A 3rd-party auditor audits the reserves in the custodian and the tokens in the smart contract. It makes sure the tokens are fully backed by fiat money or short-term bills. In USDC’s case, the reserve contains 22.4% cash and 77.6% T-bills (low risk) as per the audit report. 𝐒𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 → 𝐅𝐢𝐚𝐭 Steps 1 and 2 - Bob transfers 100 USDC to the issuer in exchange for $100. The issuer burns 100 USDC by calling the smart contract. Steps 3 and 4 - The issuer confirms the transaction and asks the custodian to transfer $100 to Bob’s fiat wallet. 👉 How does stablecoin change the payments?  Bob can easily transfer the 100 USDC to his friend’s crypto wallet via blockchain transaction. There is no need to go through the banking systems or payment gateways/processors. Then Bob’s friend can exchange the USDC tokens for his local currency via an exchange. 👉 Over to you - How does a stablecoin issuer make money in this business model? — 👉 If you like my FinTech posts, please follow Hua Li and click the 🔔 on my profile to receive updates. #systemdesign #payments #fintech #stablecoin .

9 out of 10 businesses fail to reach their goals. Wonder how the top 10% consistently hit theirs? It all comes down to having a proven framework. And there's one that can truly make a difference: Introducing the McKinsey 7S Model. First introduced in the late 1970s by Peters and Waterman, this model is a game-changer. It’s designed to help organizations achieve their goals and navigate change effectively. The 7S Model emphasizes coordination over rigid structure for organizational success. So, what exactly are the 7S? These are seven key internal factors that need to align for success. Here they are: 1) Strategy: The roadmap your organization follows to meet its goals. 2) Structure: How your company is organized, including hierarchy, departments, and reporting. 3) Systems: The workflows and processes that define how tasks get done. 4) Skills: The expertise your team needs to execute the strategy. 5) Staff: The people who make up your organization, including their experience and capabilities. 6) Style: The leadership approach, culture, and values within the company. 7) Shared Values: The core beliefs that guide your organization’s actions and decisions. The 7S Model divides elements into two categories: Hard and soft. Hard elements are tangible and easier to define or measure. Soft elements are more abstract, focusing on qualitative factors. Here’s how they break down: Hard elements: Strategy, structure, systems, and skills. Soft elements: Shared values, style, and staff. For hard elements, establish clear frameworks and processes. For soft elements, build a culture that supports and engages your team. To apply the 7S model: A) Identify the seven core elements. B) Evaluate each element’s current state. C) Spot areas of misalignment. D) Develop action plans to address gaps. E) Implement the necessary changes. F) Continuously track progress and make adjustments. P.S. Are your 7S fully aligned for success? ♻ Repost so more companies hit their targets! 📌 Want a high-res PDF of this? 1. Follow me (Igor Buinevici). 2. Sign up for my free newsletter at WildCapital.co. You’ll get this PDF (and 15+ others) straight to your inbox!

Understanding how VCs think (The math behind Venture Capital). Let’s dive in⤵ In an increasingly competitive landscape for pre-seed and seed funding rounds, venture capitalists (VCs) find themselves with diminished time to scrutinize each pitch deck that lands in their inbox. As a result, startup founders are tasked with creating captivating presentations that instantly draw investor attention in an ever-bustling, saturated market. Before presenting your idea, it's crucial to understand the motivations and responses of VCs. This will definitely make your pitch more effective. Are you an early-stage startup founder? In that case, I highly recommend reading the complete document below👇 And check out this article for more interesting facts and figures by Tomer Dean that was used as a source: https://lnkd.in/eVDt5Twt Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ]

Charted: China’s Rise to Manufacturing Dominance Over 30 Years 🏭 https://lnkd.in/gssb2EU5 #economy #china #manufacturing #consumergood

Ferruccio Lamborghini believed in exceptional customer care. He listened to his customers, personalized their experiences, and fostered a sense of community among them. This commitment to attentive service and continuous improvement made Lamborghini a symbol of luxury. Credit: @entrepreneurbeingentrepreneur

Ranked: Top 20 Countries by Average vs. Median Wealth 💰️ 📊 Craving more visual stories like this? Access a world of verifiable data with just a tap on the Voronoi App. https://lnkd.in/g7BiEAF3 #money #wealth #assets #europe

ebankIT's "Digital Banking Trends 2025" Report Official Link: https://lnkd.in/gHdQY894 The 2025 landscape is shaping up to be transformative for the banking industry. The report highlights key trends such as the rise of composable banking, the return of physical branches in a "#phygital" format, and the growing importance of #AI and hyperautomation. As #banks adapt to customer needs and evolving regulations, the emphasis on collaboration with fintechs presents a unique opportunity for innovation. The insights on #OpenBanking and the strategic roadmap for Hashtag #financial institutions provide actionable steps for success in a dynamic environment. A must-read for anyone in the financial services sector looking to stay ahead of the curve. #digitalbanking #fintech #innovation #bankingtrends #ebankIT #isapexchange #isapwallet www.isap.exchange iSAP Exchange FZCO Tino Herold

If you're building or planning to build a startup, Y Combinator’s latest “request for startups” and Andreessen Horowitz’s “big ideas in tech for 2025” is the only cheat sheet you need: Some noteworthy overlaps: - AI Automation: both a16z & YC focus on automating workflows in government, manufacturing, and compliance. - AI for Industry: shared emphasis on robotics, hardware-software integration, and scalable tools for businesses. - Crypto & Stablecoins: alignment on AI-powered wallets, payment systems, and crypto infrastructure. - AI Specialization: both a16z & YC are interested in sector-specific AI applications, including video and industrial tools. - AI Infrastructure: focus on large-scale AI computing and specialized platforms for growth. It seems that AI is not going away anytime soon 🤖 P.S. to make your life easier, check out these: 6,2k+ Investor Database to Fast-Track Your Funding in 2025: https://lnkd.in/dWarSF_t The ultimate list of resources for building and scaling billion-dollar companies: https://lnkd.in/drphQ6nf  Top Artificial Intelligence Startups of 2024 & their Pitch Decks: https://lnkd.in/dZaQYZy7

Can you exit at $1B+ in 7-10 years? That means ~$100M in ARR growing 2x-3x YoY. With a set of investors breathing behind your back. Don't get me wrong... the VC path is needed for many startups. I work closely with deep tech and biotech companies that need these funds. But I've also seen many startups crash and burn because it was way too much. My advice: Know the exact milestones you need and how much to get there. Don't get blinded by all the million-dollar rounds being raised. The grass 𝘪𝘴𝘯'𝘵 always greener on the other side. Raise funds because... You need X amount for Y milestone. Which will set you up for X amount of time. Until you reach sustainable and profitable growth. Here's a scenario many founders don't consider: → Bootstrap the early stages until you achieve PMF. → Raise a Series A round to unlock a key growth milestone. → Achieve sustainable growth and never raise another round until you exit. I'm not saying go bootstrapped or go #VC. It doesn't have to be either/or. What matters is knowing exactly what you need and sticking to it. i5growth - international growth / i5invest: Investment Fund, global tech M&A arm, team of 100+, offices in San Francisco, Vienna, Madrid, Berlin, Frankfurt; 200+ exits & strategic partnerships with tech leaders such as #Google, #Microsoft, #Salesforce, #Qualcomm, #Samsung, #Nvidia, #Naspers, #NBC, …