Chiel | Florence.Finance 🛡️
@DukeFlorence69
Followers
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Following
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Investment banking vet. Engineer by training & at heart. Building RWA lending protocol to plug the SME funding gap
Amsterdam
Joined May 2021
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GM GM...Founders Story... I'm Chiel Ruiter aka the Duke of Florence, I'm father to three daughters, a mechanical engineer at heart & by training with an MBA to boot. My career took off in investment banking, where I led the investment banking operations as the MD for Goldman
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@TheFlowHorse
Contrarian take on ETH...The fact that the whole world has gone bearish on ETH whilst it has delivered on every upgrade promise, gas fees on L2s are now at a level that we can build real Apps/products, it has supply locked in various staking protocols and Blast type launches and
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@CoRayMatt
@RaoulGMI
@scottmelker
I second that...As a longtime (paid) subscriber to Raul's RV service, I can attest to the fact that he gets more right than wrong and he has done a ton to inform my thinking....That said, DYOR and beware of your own BIASES.
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If you like what we are doing
@FinanceFlorence
...Why not FARM our USDC onramp and we will love you back...150% APY in FFM...What's not to love 😍?
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Why do Small Businesses MATTER?
- SME’s represent 90% of all businesses in number and employ around half of all people!
- IMF/World Bank estimates of unfunded SME credit >10 trillion USD
- Providing additional/alternative sources of SME credit is the key to building the
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55 years old today 🎂and full time in crypto since 2020…What have I learnt?
- You’re never too old to learn new tricks
- Young colleagues & novel tech are both challenging and inspiring at the same time
- The organic innovation & progress that has been made in unregulated
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If we are gonna build the future of finance together, we are gonna need y'all to HODL your $FFM and deposit your memecoin gains into our USDC/flrEUR stabecoin farm. 116% APR will help boost your $FFM returns and aid liquidity for the platform lending activity...Let's show the
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As do we...proud partners with LTO & Proofi
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Giving +100m
@coinbase
users access to the $FFM tokens on BASE is obviously bullish....The real reason for the multichain move though, is giving one hop/click access to our underlying savings products/vaults directly from their CB Wallet....👀
I will do the no brainer thinking for
@FinanceFlorence
.
$FFM now also available on BASE.
Why is that good news?
Coinbase wallet integration will make it a hot token to buy and with a lot of “money-savers” on the app. FFM their TVL will go up because people can invest with
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Bringing RWAs on-chain has clear benefits:
- Increased liquidity (fractional ownership)
- Permissionless / Low barriers
- Enhanced accessibility & transparency
- Greater efficiency
We lead the way
@financeflorence
bringing SME loans on chain. $FFM
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I find it fascinating just how reflexive crypto is...One downtick and everybody runs for the hills...On days like today it's important to zoom out...Adoption, wallet numbers, usage, hash rate, on-chain volumes are all up only.....Gold, Oil & longbond yields are all up (i.e. what
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We obviously did not do a good enough job of marketing it....Engineers by training, reserved bankers by nature...Push marketing does not come naturally...But rest assured that Florence is an honest-to-good/genuine attempt to create the community-led, blockchain-based,
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Traditional Finance exploring RWAs for their clear benefits:
✅Increased liquidity (fractional ownership)
✅Lower financial barriers to entry (permissionless)
✅Enhanced accessibility & transparency
✅Greater efficiency
We lead the way
@financeflorence
as the ideal starting
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...If only u had taken more of your gains and put them in ...Where every EUR or $ deposited in the protocol remains redeemable for a EUR or $ and accrues stable RW interest...
This weeks Alpha 👇
💸 We paid out 74,051 EURA in interest over Q1 which was added to our treasury last night.
💰88,600 EURA claimed for our largest primary funder NewForm Capital.
💶Over 70k remains in our treasury for redemption.
Stay tuned as we roll out further updates 🚀
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@smdiehl
Stop fighting those that are making an effort to create an alternative to: 0% savings rates, negative fixed income returns and a dearth of retail & SME borrowing access and come up with a better way to improve the steaming heap that is our current financial system.
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Funny how you can sense things...Sometimes. PLS remember that geopolitical events are INFLATIONARY...i.e. good for risk assets!
Is it just me, or does it all feel a bit quiet out there in CT and Macro land...Almost like, calm before the storm....Only thing moving is boomer rocks & carbon credits...Something tells me we are gonna see a bigger move...Wondering whether HKD, KRW & JPY breakdown against USD
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Not a narcessist...But re-watching this 5-6 months after recording, I would argue this aged well....Slowly, then all at once 👀
If you want a great overview of how Florence aims to bring RWA to the masses check out our interview with
@blocmatesdotcom
@DukeFlorence69
and
@jediblocmates
deep dive 👀
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Slowly...Then all at once....👀
RWA Tokenization will exceed $16T by 2030
The recent BlackRock move signals smart money is moving into
#RWA
-> RWA is a new trend
I analyzed over 200 RWA tokens and here is my list of the best projects with x100 potential in each category 👇
Blockchains:
-
@OndoFinance
-
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@PrestonPysh
&
@LukeGromen
saying out load what I have been seeing as the most likely outcome for a while....Stablecoins being used to soak up the excess issuance of T-Bills....Slowly at first and then all at once...👀 via
@YouTube
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We BUIDL
@FinanceFlorence
as an alternative "Savings Platform".
A bridge🌉to safely bring low yielding bank deposits on-chain.
Re-deploying these deposits to those that are most disenfranchised by TradFi, kills three 🐦🐦🐦 with one stone 🪨:
1) You earn a higher yield on
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I love it when Community members take an interest, do the work, like what we are doing and produce value added write ups...Great thread...BIG shout out to
@Cryptowrit3r
...welcome to the Revolution
The Medici family is known for transforming the financial instruments in Europe which advanced the entire continent. Almost 600 years $FFM
@FinanceFlorence
Is yet again revolutionizing the financial markets by combining the power of DeFi with the SME markets!
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This was the last of the list of items we promised to full-fill and/or improve:
✅ CEX Listing
✅ Redesigned Website and UI/UX
✅ Streamline marketing & messaging
✅ Update tokenomics & Burn ❤️🔥 mechanism....
Plenty more to follow but for now: LFG 🚀!
🔥 The first $FFM buy-back-and-burn has happened! 🔥
The team bought back 240,000 FFM from real-world interest, added 760,000 FFM from trading fees, and burned a total of 1 million FFM forever.
Going forward we burn all $FFM trading fees every quarter in combination with a
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For all those who did not read the announcement...The TLDR is we have adressed the seed investor "overhang" through a new 18m vesting scheme...
⚖️We wanted to give our community some clarity on on our upcoming FFM token unlock and we are pleased to announce we have reached a balanced solution.
Read all about it here🔽
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Important thing to realise is that RWAs are not a "winner takes all" market...There will be many winners and bringing RWA on-chain will be massively beneficial to society....We are still very early.
Another boring thread why
#RWA
will give x100 in 2024
Just 12 tokens with x100 potential, nothing special
The most promising tokens 👇
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Is it just me, or does it all feel a bit quiet out there in CT and Macro land...Almost like, calm before the storm....Only thing moving is boomer rocks & carbon credits...Something tells me we are gonna see a bigger move...Wondering whether HKD, KRW & JPY breakdown against USD
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People seem to be enjoying our Farm...So we added some sweet $FFM rewards to make it worth your while.
@FinanceFlorence
Nitro Pool on
@CamelotDEX
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All I can say is, nothing has changed...We are building/progressing as planned..Token price is but a trailing indicator of progress...HODL.
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As we used to say
@GoldmanSachs
....Just doing Gods work...LOL (that felt good)
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It is all about believers helping other believers change the world....I believe....the question is do you?
Bros I’m so damn proud of this eco
Whether it’s the collaborations between various hilarious sounding protocols, teams helping each other with fundraising intros, nonstop shitposting on Twitter / TG
Humbling to see it become more real by the day
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Extremely cool RWA project & team....👀
Got challenged to make a ''30 reasons why to buy $CBY''
After doing this I need to resist the urge to buy more. Have fun reading!
⬇️⬇️⬇️
1.
#RWA
- the most obvious a big narrative and
@Carbify_io
is leading it.
2. The team - Doxxed, experienced and on a mission.
3. Only
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...That aged quite well IMHO...Lots of concepts were still quite novel at the time but I could already see clearly why it made sense / had value....That said, Rome and/or the bank of the future will not be built in a day....As long as crypto adoption remains twice that of the
Just watched this interview with the CEO of
@FinanceFlorence
$FFM
@DukeFlorence69
.
If the CEO of a project was already discussing
#DeFi
and
#RWA
five years ago, you know you are involved in a project with vision! Absolutely worth watching!
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Instead of funding the FED through tokenized treasuries...Fund the SMEs that drive the real economy with
@FinanceFlorence
⚜️Florence Finance⚜️
💰Why we believe diverse
#RWA
projects will offer more sustainable yield.
- 𝘧𝘦𝘢𝘵𝘶𝘳𝘪𝘯𝘨
@DukeFlorence69
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When you hear RWA, think less about yield and more about COLLATERAL.
RWA protocols are about taking good collateral (Treasuries, Bonds, Loans, Land and/or RE) out of the overleveraged, rehypothecated, fractionally reserved TradFi system and putting them on-chain.
Transparent,
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Sat down this week with lead Ambassador
@AltcoinVenom
and our Marketing & Digital Growth Agency IWB...Gonna be using the Summer to cook up some great stuff for all you Dukes
@FinanceFlorence
()
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RWAs & Stablecoins will drive the next wave of adoption...slowly at first and then aal at once...👀
GM 👋
In the latest
#RWA
report by
@coingecko
, Tokenized U.S. Treasury products skyrocketed with a whopping 782% market cap increase in 2023, surpassing $931M! 🚀
🎶Opulous is proud to contribute to this monumental growth!
Link here 👉
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In a world dominated by passive flows with momentum as a favoured factor, combined with the "gamblification" of investing with ODTE options....VOL spikes are to be expected...Don't think you are smart enough to catch/play them & don't let them affect your long term investment
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Pablo
@AngleProtocol
is 100% right...on-chain EUR stablecoin liquidity is currently pretty poor and we are proud partners with those in the trenches trying to change that.
Forex is impossible at scale onchain currently.
EURA and USDA will fix this
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@AltcoinVenom
Thnx for the vote of confidence Sir...We need more people like
@AltcoinVenom
to get people to focus on stuff in crypto that is Real & that Matters.... We built
@FinanceFlorence
for the people and we would love for u to participate and make a difference...Come join the revolution.
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I would argue that
@MakerDAO
has been a trailblazer in transitioning to a more diversified asset base....Remember when a lot of these lending partnerships where struck doing business with a multicollateralized stable coin for funding was far from a slam dunk...I still think
First, it can be both. Secondly, moving from “build an uncensorable currency” to “actively manage asset allocations” is not new. That’s not bad, per se, except that Maker’s track record is a losing one in this area.
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Doing the work to spread the word that RWA's will drive the next wave of adoption....slowly at first and then all at once 👀👀
🗯️Our thoughts on the the Yield Bearing Stablecoin Revolution 🔜
📈 Yield-bearing stablecoins are exactly that: stablecoins with interest
Find out how they will bring the next trillion dollars on chain ⛓️
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Added some more FFM....Current APR > 150%...Come join the Revolution
Calling all whales 🐳
Come and take advantage of our $FFM rewards on our stable EUR - USD pair 🤝
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Our thinking exactly....
I don’t think most people realize the magnitude of growth that's coming to
@base
Coinbase has 100 million users just waiting to be brought on chain
You don’t think they're going to onboard them onto their own blockchain?
Base is the bridge to get millions of users on chain
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EthCC / RWA Summit takeaways:
💎 MICA kinda sucks but Circle is gonna foam the USD & EUR stablecoin runway notwithstanding
💎 Tokenized treasuries were the gateway drug to drive RWA adoption...Global payments on crypto rails will be the next thing to take off.
💎 The
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Join us NOW...am kicking of Discord AMA
Gm Florence Fam🫡
We will be hosting a Discord AMA on Tuesday the 16th of April ⏰ between 17:00 - 18:00 CET, with
@DukeFlorence69
.
Be sure to join and ask away any questions!📝
Join our Discord ▶️
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Interesting overview on Asset Tokenisation from
@chainalysis
. Nothing new for us
@FinanceFlorence
, but good to see that the great and the good (
@BlackRock
,
@jpmorgan
&
@GoldmanSachs
) are also experimenting on-chain with trailblazers like
@centrifuge
&
@Securitize
to build the
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Proud member, backer, and participant of the BlockMates collective...Sniped a LARP, cause I know firsthand what these guys are worth....
@FinanceFlorence
🙏
@jediblocmates
and the rest of the team.
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Never a dull monent BUIDLing...Doing our best to keep you all informed of what is going on behind the scenes/under the hood.
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Play The Long Game...
All greatness comes from compound interest.
If you can't help yourself from trading in and out of MemeCoins, take some part of your winnings to invest for the long-term with long-term focussed people/projects and compound that position for the long
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Have you ever asked yourself why there is such a dearth of liquid EURO stable coins?
Could it have something to do with the zealousness of EU regulators or the hailed MICA regulation?
Or is the SEPA payment system so much better than US SWIFT and/or Credit Card networks that they
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100% agree with Luca here who has long been on the right side of the RWA/Stable trends.
Saying that the stablecoin space is overcrowded is myopical IMO
The "stablecoin" space is actually aiming at redesigning the full-stack of money transmission, one that today includes 100s of banks, central banks, correspondents, payments etc.
It is also bifurcating, with
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Great to see our Partners making progress.
👩🚀 Proof of Talk, Paris - Recap! ☀️🌈
It was an honor to lead talks on Real World Assets and decentralized ownership on the $LTO Network at the
@proofoftalk
Summit,
@MuseeLouvre
.
Follow along as
@Pankhuri_B
shares her experience.
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Come join the Revolution...Returns are juicy to reflect our desire/commitment to building a community based decentralised credit platform.
Earn $FFM rewards today ✅
As part of our token distribution, we will be incentivizing our flrEUR - USDC.e LP on
@CamelotDEX
⚖️
This LP is a vital component of the Florence ecosystem and serves as an on/off ramp to our RWA vaults 🏦
⬇️ Find out more ⬇️
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Great to see that we are getting noticed in these general RWA threads...🙏...Onwards
Real World Asset (RWA) Projects Categorized: An Overview
🔹The RWA industry is flourishing, with more and more traditional financial institutions (e.g. Blackrock, Citibank) experimenting with tokenization of assets.
🔸The Web3 industry has an incredible set of innovative
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@jsblokland
Isn't it funny how inflation is naturally contained if you don't over use your balance sheet to buy Government Bonds and have moderate/declining government debt/GDP ratio's based on fiscal rectitude...
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Love to see independent researchers come to the conclusion that what we have built makes sense 🙏
@bigjimmyonx
....Come join us and help us decentralise credit creation
@FinanceFlorence
$FFM Thread
Get ready to dive into the world of Florence Finance Medici!
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@jediblocmates
@Grantblocmates
Ping me if/when in NL and I will gladly let u take the wheel...Its a naturally aspirated fully stroked beast inspired by early Magnus Walker/Chirs Harris builds!
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@harari_yuval
Trust is earned not given...It accumulates slowly and can be lost in an instant...Those in charge of money are currently not doing their part to warrant the people's trust. Gold & BTC price performance are but a reflection of this realization by more and more people.....IF those
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Building the bank of the future without leverage or fractional reserve...To prevent this from happening again....
@FinanceFlorence
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Re-watched this last night...👀
Would argue it aged quite well.
🙏
@jediblocmates
&
@danblocmates
for being early believers in
@FinanceFlorence
.
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The RWA narrative should not be "selling Ponzi's to Boomers"...But rather taking whatever good collateral is left in the broken/overlevered TradFi system and putting it on chain.
OH (RWA event): "Who is the Adam Neumann of RWAs? It is the ultimate ponzi scheme for gen z to sell to boomers"
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Interesting stat / analysis....Turkey obviously uniquely crypto literate but my guess is Nigeria (not on chart) is pretty big too.
What an unbelievable stat: according to a recent report by Chainalysis, ~4% of Turkey's GDP is going to stablecoin purchases. Turkey is among the Top 20 economies globally by GDP.
Source: (h/t
@curiousgurnoor
)
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This was published exactly one year ago. Time flies when you are having fun... Again, I would argue that it has aged quite well. 🙏
@Bixin
, thank you for being early believers.
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This is profound....And needs to be understood on top of
@RaoulGMI
's DFTU theory.
With markets shut today it's an opportunity to think about something other than options and volatility!
Life is full of challenges and I've certainly had a few in this past year. We can let this derail us or we can take them as opportunities for growth.
In my new podcast
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And then watch it again....
Whatever you are doing right now, stop, and watch this…
And then watch it again…
One of the greatest speeches I have ever heard, thank you
@ErikVoorhees
for this amazing inspiration! 🙏🏼🧡
#RebelAgainstPermission
#BePermissionless
#PermissionlessII
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@TaraBull808
What are u talking about?....This is the only platform I subscribe to... It is my personalised/curated gauge for what is happening worldwide.
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IMHO the radical shift in US Government and TradFi sentiment towards the crypto space > the ETH ETF approval. If we get stablecoin regs and fully reserved institutions for global hyper-liquid & transparent money/collateral, we are off to the races in building a new financial
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Love seeing our partners innovating & thriving...Keep up the good work.
1/ We are thrilled to introduce USDA, Angle's USD stablecoin! 🇺🇸
USDA will offer:
- a Savings solution 💰
- the same liquidity as USDC 💧
- anti-depeg mechanisms 🛡️
- borrow/leverage features 📈
Paired with EURA, USDA will boost onchain forex trading!
All you need to know🧵👇🏼
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Exactly what we need to get primed for the next leg up
A massive $871M in positions, of which $782M longs, were liquidated today.
Much much more in Open Interest wiped from the market today.
Basically wiped out multi-month levels and wicking to -50% on many alts.
Now that is what you’d call a big reset.
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You missed one...
@FinanceFlorence
BlackRock entered RWA sector 3 months ago and they are here to stay.
Many RWA tokens are now set to give 100x+ this cycle...
Now, we can buy the dip, getting a lower price than BlackRock.
I scanned 500+ RWA tokens, and here're 10 with highest potential 🧵👇
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Agree and proud to have NewForm on our Cap Table...see our latest Blog post on this very topic.
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Quality is that which is remembered...Long after the price is forgotten...Always BUY/HODL Quality.
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Slowly at first....and then all at once 👀
ICYMI:
🔹A Celent and BNY Mellon survey reveals that 91% of institutional investors are keen on investing in tokenized assets, with 97% believing that tokenization will revolutionize asset management.
RWA Season?
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@IFTF6
@hendry_hugh
Looks like Gold is the daddy and real rates are going negative again any time SOON!....which BTW is the only way they can fund the twin deficits.
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Was invited by one of our earliest partners
@ClearJunction
to a wonderful Soiree around the Money 20/20...Talking to TradFi at these events is always a real treat...WE ARE SO EARLY!....Thanx
@JackLuttrell8
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Our partners
@AngleProtocol
really killing it lately...Keep it up Sirs🫡
A top class onramp for a deeply liquid USD stablecoin!
Now buy USDA with a card or a bank transfer directly from Trustwallet, Metamask, Ledger Live and many other places!
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Get-rich-quick schemes 🐇 are the fastest way to get poor.
Ignore them / Get Rich Slow🐢
Take profits early this cycle and earn steady yield through RWAs
@financeflorence
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Like I have been professing for a while ... Yield bearing stables are the killer app and it's great to see our Partners
@AngleProtocol
at the forefront of that innovation.
1/ Yesterday, we unveiled our new stablecoin: USDA
USDA will come with a dollar Savings solution: stUSD💰
It’s simple! Deposit USDA, receive stUSD, and earn the best of TradFi & DeFi risk-adjusted yields!
No minimum deposit. No lockup period. No fees. Immediate rewards.
🧵👇🏼
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Best Meme on Base...perfectly round money...i love it from every vantage point!
Gm
A wise man once said
"If you don’t respect
@circlegamesol
rules, the game punishes you by sending $CIRCLE higher"
So. Respect the rules: You look, you ape
Or… you know what’s gonna happen 👌😘
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@TardFiWhale
IDK...but am getting increasing LUNA vibes from everything i am seeing around Ethena...i hope I'm wrong for Arthur's sake
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Feels like the Algo's had a field day...Flushed all the leverage/panic stricken...Johnny come lately's wanna join the party and go short...Market inflicts MAX pain by bouncing.
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Fink is making me even harder on RWAs.
And I didn't think that was possible.
Take 1 measly minute to listen to the CEO of the largest asset manager in the world. 👇
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@themarketsniper
I'm with Francis on this one...They are loosing control...This is gonna end like GameStop
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We concur with this Base thesis...Getting one-click access to 100m CoinBase customers is huge, especially for DeFi projects like
@FinanceFlorence
$FFM
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@CarlBMenger
Gotta be something euro-dollar market related......This is just prior to the Euro being oficially introduced in '99.
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What if...The increase in crypto market cap is not driven by an increase in Mkt Cap of Altcoins but instead the inflows of Stables & RWAs being on-chained
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ITᔑ OᑎᑕᕼᗩIᑎ ᔑᑌᗰᗰEᖇ 🔆
come on! is that all you got?
IF YOU CAN HEAR ME IN THE BACK, QUOTE TWEET:
ITᔑ OᑎᑕᕼᗩIᑎ ᔑᑌᗰᗰEᖇ 🔆
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C'm on follow
#DUKEs
let's make some noise for
@RWAwatchlist_
whom I will be joining for a panel discussion tomorrow....Repeat after me
@FINANCEFLORENCE
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