Harsha Goli @arshbot
Founder @magnolia_rails | banking š¤ crypto š¤ fintech magnolia.financial NYC š½ Joined August 2013-
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> Could make me an idiot, who knows. But Iām not going to pretend I understand things I donāt. Me every time I ask a ādumbā question no one else in the room has a good answer for
@IfindCoretards @UpperEchelonUS @PunterJeff @mattkratter What? Iām not going to get invited to Bitcoin events and my career will fail for asking questions? Iāve always held myself to be honest and authentic. I have questions about some of this stuff. Could make me an idiot, who knows. But Iām not going to pretend I understand things I
@starkandlime @CorySwan You are probably the only one I know that isnāt tether. Ledn is heavily tether as well
@csuwildcat Do it! Profile pic is more recoignizable irl. Only my friends know arshbot. Everyone remembers cowboy hat man with hair!
Incredibly true.
JUST IN: Traditional financial firms are rapidly embracing crypto, Axios reports.
@AlexH_Johnson Agreed. But itāll all coalesce over the next decade. Crypto, USD, airline miles, stocks, credit, ABS Itās just different assets used more or less interchangeably. Itās not so different really, but the industry hasnāt reached that point yet.
@tphillips and? crypto exists entirely as regulatory arbitrage
Commercial lending without adequate perfection (or arguably worse, illiquid collateral) is what killed those startups. Not to mention, concentration risk. These are all solved problems. - Fast credit is not unsolved - Perfection is not unsolved - Commercial lending is not unsolved Itās just fintechs donāt know how to warehouse, package, and sell risk. They (necessarily) have to go fast. Which means depleting their big capital pools from equity raises in exchange for something that looks and smells like ARR (but very much is not) Have a lot of thoughts on this for good reason
@Samwise_Ganji Fiat is a sham, the banking class is corrupt, decentralized digital currency and the blockchain are the inevitable future, and the incumbents will fight it to the death.
@defyneric Itās not a risk problem. Very easy to solve if youāre the right person
Is truly private money without a publicly verifiable backstop a good thing? Inability to verify integrity is quite devastating
@nic_carter @mert How would we know a white hat was the first person to discover it? š¤·š»āāļø The upside of zcash is now the downside. You canāt prove one way or another.
Your stablecoin may not be redeemable for cash! Especially during a bank run. Let me explain: genius compliant stablecoins require 1:1 reserve backing, with few permissible cash alternatives like Tbills (which most people use). Tbills are like cash, but not cash. Just like any asset, if you sell enough of it there are liquidity concerns. If the reserve partner is suddenly faced with a need to liquidate 5B for instant conversions, thereās probably blood in the water and everyoneās doing it too. This could mean terrible spot prices for Tbills, resulting in an actual death spiral for the stablecoin and maybe even the bank. How do you, as the account controller solve this scenario? ļæ¼Simple. You donāt serve during a bank run (which could be a catastrophic event for you). Which means, during a bank run - your stablecoins may not convert into cash, because thereās a run going on. Theoretically, once the run is over (or over the next few weeks) the bank will process cash conversions on their schedule to prevent liquidation issues with the Tbills. Or another well capitalized lender could step in to help alleviate in the short term (in tradfi, this is the lender of last resort aka the central bank). But all this means there is bank run liquidation risk for your 1:1 backed stablecoin. Donāt hodl your net worth in a stable that isnāt paying you for the risk!
@endowment_eddie Great advice for raising in general. Always more class (and confidence) in respecting your competitorās game
@mikulaja Itās not normal for lenders to have access to company financials when theyāre buying debt of that company with no backstop? What else could they use to underwrite
@jaypatel 100%, except by California somehow
What if instead of monopoly busting the DOJ funded direct competitors. AWS controls 90% of data centers? Inject Digital Ocean with some cash. Adobe/Figma merger super anticompetitive? Buy out figma for the taxpayers 4 companies control all meat packing? Start a government run 5th with competitive prices. Itād lower prices and cultivate innovation (instead of destroying value) Congress should start the next venture fund
@Leishman @dariosats @River You can easily accomplish this your existing bank and mitigate risk with plaid (to verify pull bank name belongs to kyc data) + astrafi Or you could partner with @magnolia_rails :)
@csuwildcat Weāre entering a new generation of techno luddites.
@CorySwan @brian_armstrong @CagedSings It is even a bcash site anymore? Looks like they scrubbed every logo automatically off the whole thing and replaced it with tether Kind of interesting!
The bank partner for @bridge everyone. Youāre all crazy, debanking isnāt real
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