Pickingunicorns @pickingunicorns

Founder at @beansapp. beansapp.com Amsterdam, Nederland Joined October 2018

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Pickingunicorns @pickingunicorns

2 weeks ago

I’ve personally been in the @StellarOrg ecosystem long enough to notice a recurring pattern: A lot of people from the Bitcoin/Ethereum world misunderstand Stellar because they think trust in Stellar works like this: “One company decides who is allowed in.” Or: “Validators pick counterparties, so it’s basically just a clearinghouse.” But that’s not how Stellar consensus works. ❌ There is no single list of approved validators. ❌ No central party everyone has to trust. ❌ No one controlling consensus for the whole network. Instead, every node chooses a few other nodes it trusts. Example: • beans app trusts MoneyGram, Circle and Franklin Templeton • MoneyGram trusts beans app, Coinbase and Bitstamp • Circle trusts beans app, Franklin Templeton and Coinbase • Franklin Templeton trusts beans app, Circle and MoneyGram Consensus happens because these trust groups overlap across the network like a web. So you are NOT trusting ONE party. You are trusting that a large number of independent parties around the world will not all coordinate maliciously together. To successfully attack Stellar, you would need a massive part of this overlapping network to collude at the same time. And unlike anonymous validators on many PoS chains, these are often known companies and institutions with: • reputations • customers • regulators • licenses • businesses to protect If 2/3 of major trusted participants openly attacked settlement infrastructure, they would essentially destroy themselves publicly. That is the security model. And honestly, I think this is where many crypto-native people get stuck. Bitcoin and Ethereum people often think: “If you trust identifiable parties, it’s not a real blockchain.” But PoW and PoS also rely on trust: • trust in mining pools • trust in large staking providers • trust in developers • trust in social coordination during forks • trust that incentives keep working That trust is just more indirect. Stellar simply makes the trust assumptions visible instead of hiding them behind economics and game theory. And that’s exactly why institutions may prefer it for real-world value transfer. DTCC choosing Stellar matters because it validates something many people in the ecosystem have understood for years: When trillions of dollars are involved, institutions care more about: ✅ predictable settlement ✅ accountability ✅ known counterparties ✅ fast finality ✅ operational reliability …more than ideological purity around “trustlessness”. People can disagree with that. But the market infrastructure world is increasingly signaling that it does.

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Raja Chakravorti @rajachak75

2 weeks ago

This is the one we've been working toward (and worthy of my very first 🧵). Today, @The_DTCC and @StellarOrg announced that DTC custodied assets will be tokenizable on the Stellar network. (1/5) x.com/StellarOrg/sta…

Stellar @StellarOrg

2 weeks ago

Today, @The_DTCC and SDF are announcing plans to enable the tokenization of DTC-custodied assets on Stellar. The connection supports the rapid conversion of traditional assets into tokenized form, and the full asset lifecycle, including corporate actions and reporting.

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Pickingunicorns @pickingunicorns

2 weeks ago

Insanely cool to see institutions like @The_DTCC take these bold steps to tokenize DTC issued assets on Stellar. For such a long time I’ve seen the network have too little recognition for how well suited it is for this usecase. The start of something big !

Austin Campbell @austincampbell

2 weeks ago

One: very interesting move by @The_DTCC moving onto an actual public blockchain. This is starting to move their project away from pure theater for private entities only towards the possibility of self-custodial, composable building onchain. A very positive step and I salute both

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Pickingunicorns @pickingunicorns

3 weeks ago

This is why @StellarOrg is so powerful. Pay in NGN while the merchant receives usdc in seconds, all in one transaction without noticing its blockchain!

Prince Eniola @Peejaytheprince

3 weeks ago

v2 is live 🚀 You can now add to cart straight from home, and pay in multiple currencies and stablecoins with @BeansApp. Shopping just got easier and smarter.

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Beans App @BeansApp

4 weeks ago

The Beans Challenge is LIVE!🚨 Only valid for the first 25 participants. Claim $10 for you + a friend by completing the mission: * Invite a friend to Beans * They deposit 100 USDC in Earn * Hold for 14 days * You BOTH get a 10 USDC bonus! Limited offer: This challenge is strictly limited to the first 25 successful referrals. Once the 25 slots are filled, the bonus pool will close immediately. Grab your link in the app and start the challenge today! #Beans #DeFindex New users only. APY is variable. Capital at risk.

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Beans App @BeansApp

a month ago

How Refer & Earn works 🌱 1) Open Beans → Earn → copy your referral link 2) Share it 3) Friend deposits $USDC into Earn For 6 months: • They get +10% bonus APY • You earn 10% commission on their Earn yield Paid monthly. Automatic. beansapp.com/refer-friends #Stellar $USDC APY variable. NFA.

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Pickingunicorns @pickingunicorns

2 months ago

@butkus_b88828 @BeansApp You can use mine if you want: deeplink.beansapp.com/Jdie/referralI….

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Pickingunicorns @pickingunicorns

3 months ago

So true! We're living this at Beans. Moving away from a USD-only model is significantly more rewarding for the end user, but the execution is 10x harder. You need local ramps with low fees and enough onchain volume to keep spreads small. It’s a massive coordination play, but that’s exactly what’s needed to fix this for good.

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Pickingunicorns @pickingunicorns

3 months ago

@justinbenjaminn Congratulations! Hope everyone is doing well! Enjoy this special time with the family!

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Pickingunicorns @pickingunicorns

4 months ago

@defindex_ @BeansApp @StellarOrg 🚀

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DeFindex @defindex_

4 months ago

Saving meets earning 🌱 Beans Earn runs on @defindex_ vaults turning everyday savings into automated yield on @StellarOrg No DeFi complexity. Just growth. @BeansApp 🤍

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57 years ago

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Pickingunicorns @pickingunicorns

5 months ago

@iamjayrome I don't like that too, update is going through staging tests now 🚀

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Beans App @BeansApp

5 months ago

Saving for something? Don’t let your $USDC sit idle. Let it earn yield in Beans. Refer friends: +10% bonus APY for them 10% commission for you Auto. In-app. beansapp.com/refer-friends #Stellar $USDC APY variable. NFA.

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Pickingunicorns @pickingunicorns

5 months ago

@BeansApp 🚀🚀🚀

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Beans App @BeansApp

5 months ago

To celebrate Refer & Earn, we’re dropping a $1,000 #USDC Earn Challenge 🏆 Top 6 by net deposits into Earn win 1x 500 USD + 5x 100 USD. Closes Feb 1st 2026 (end of day CET).

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Pickingunicorns @pickingunicorns

5 months ago

Hot take: the "billion dollar #crypto app" isn't about the tech. It's about caring about UX for regular people. #Stellar made it possible. We actually shipped it 🚀

Beans App @BeansApp

5 months ago

A billion dollar crypto app idea..? We built it on @StellarOrg . ✅

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Pickingunicorns @pickingunicorns

5 months ago

@BeansApp @BuildOnStellar Let's get some more TVL on #Stellar 👀

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Pickingunicorns @pickingunicorns

5 months ago

We're now paying you 10% commission to bring friends into Beans #Stellar 🚀

Beans App @BeansApp

5 months ago

Instead of buying ads, we pay users. Refer & Earn: • You: 10% commission on friends’ Earn yield • Them: +10% bonus APY • 6 months per referral Your deposit required: $0 beansapp.com/refer-friends #Stellar