Ken Olling
@kenblaue
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822
If it works, its obsolete. Designer of new ideas, thinker of new products. Almost always hungry to make things better. Founder of @onMELD 🔴
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Joined January 2008
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I just swapped $MELD for Euros and it costs me 0.05 0.05€ and 1€!!!
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Very exciting day. And it’s a long time coming.
@MELD_Defi
has a lot to say to the world today.
But before any of this, I want everyone to know this is made possible because of the hard work by our amazing team and ambassadors at MELD!
#AvalancheSummit
#cardano
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All our hard work has paid off. Check it you people!
A new type of Neobank launches today. One with it's roots in DeFi first and TradFi second. MELD is not crypto friendly, we are crypto native. Building the bridge between a traditional world of banking and centralized markets to a ecosystem of decentralized protocols.
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Why CeFi should die.
Over the past two years of scandal, default, embezzling, collapse, mis-management and general abuse of power, CeFi has given crypto a black eye and a few broken ribs...
Then pushed it down the stairs and tried to set it on fire.
🧵↓
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I want to give a big shout out to the MELD team. They have been doing a brilliant job realizing the MELD vision of a global Neobank fused with non-custodial crypto. Expect big things in the coming week.
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Business is business, but we are fighting for something real. I didn't start this because it would be easy.
Not going anywhere.
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I'd like to introduce a concept I call, On-chain Banking.
The act of storing financial assets exclusively on a permissionless + trustless blockchain, with technical links to traditional banking systems.
Take a step towards achieving a purely blockchain-based financial world ↓
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It’s been a great launch party and a wonderful day. After 2 years of hard work we are finally moving to a state of product support, not only product development. We still have a long way to go to achieve the product we all envisioned, but we are one step closer.
#MELDbyob
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If you want so juicy yields on USDT and USDC then the MELD Lending & Borrowing Protocol is the place.
Bridge your USDT and USDC and then supply... It's currently lat 60% APY and more.
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Launching a layer 1 blockchain feels a lot like building a shopping mall. You're creating an empty box that millions of people will wander through, buys, sell and going about their daily business. You have to design it to be interesting to travel through but easy to navigate.
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So proud of the team’s work.
Everyone at
@onMELD
has been working day and night to build the very best DeFi protocol and more.
We have a big dream, and it has indeed been a long road.
But this my friends… is a marathon, not a race.
We do a little testing 🤭🔴
Building great product takes time... MELD L&B will have the greatest UI/UX in web3, without a doubt.
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MELDapp is now in the
#walletconnnect
official listing. Everyone can now easily connect to the MELDapp! The
@MELD_Defi
dev team has been doing a great job and we are now starting to see the results of their hard work.
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Today is my first personal AMA that I’ll be doing every week. some of the things I’ll be covering are; all things crypto, all things MELD and a general smattering of finance, design and degening. Join the conversation.
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Part 2 of my ongoing series about On-chain Banking.
I'd like to explore a conceptual question... Is money the property of an individual or the country of issue?
Let's dig in ↓
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GM from Dubai. In a thunderstorm. Today I’m speaking at The Digital Commonwealth event before Token 2049. If you are in Dubai, let’s meet up.
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Mental Wealth
#3
🧱
Today we go deeper into my past as a designer, why
@MELD_Defi
? and the thinking behind our products + ecosystem.
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Mental Wealth
#4
📊
Tomorrow we talk with product developer,
@NationSti
about building in web3, DeFi and finding an edge in markets.
Set your reminders ↓
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I'll be in Dubai for Token 2049 and ETH Dubai from the 16th to the 21st. Lets meet for a coffee or drink.
MELD is in Dubai for
@token2049
Meet up there with
@kenblaue
our Founder.
or book a call or coffee - … Reach out if you'd like to chat about crypto banking, trustless on/off ramping, RWAs or launching a project on the MELD L1!
#TOKEN2049
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A big step toward MELDing fiat with crypto.
MELDapp will support 19 fiat currencies 🏛️
Through an expanded partnership with
@unlimit_crypto
, MELD will provide MELDapp mobile users with support of a variety of fiat currencies and local payment methods around the world.
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I'll be in Singapore for Token 2049 and Digital Asset Week. If you are going to be there as well and want to meet up. DM me and we can schedule a coffee.
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1/ My 2024 Predictions 📈
This is going to be a watershed year for crypto.
In broad strokes, we will see the thesis of crypto (specifically $BTC) as a flight to safety for capital and the early emergence of a parallel financial system to TradFi.
Bullish, to say the least... ↓
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Would love to hear everyone’s thoughts on L&B testnet so far 💆♂️
We have already begun improving and adding features for mainnet soon to come.
You are not ready.
The future of finance is nearly here...
Lending & Borrowing Testnet is Live.
↳
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It has been a long winter.
Out with the bear, in with spring. Yet I have felt the need to reset my body.
So, I have been fasting. 36 hours, nothing, and 12 hours I graze… then repeat.
Builder mode. Everything, on 🔴.
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GM 🛩️
Had an amazing time with team in Spain this week. Very excited for our future. 🧱 Brick by brick 🔴 LFG
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GM. Gas fees are real pain-in-the-neck. Everyone has had the problem of trying to send something and they don't have enough ETH, or ADA or AVAX. I wonder...
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GM web3 🧱🌐
My new face, an
@opepenedition
by
@jackbutcher
x
@jhekub
. An exciting example of recent explorations in crypto + art.
In particular, identity and how we express ourselves on the internet. Everything becomes art, design, humanity. Very interesting.
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You have to pick your anchor stores carefully to attract people and other businesses. You have to entertain, feed and showcase everyone. You need to make it very easy to get to and surprising when you arrive.
#MELD
#blockchain
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Exciting developments for builders on MELDchain 🔴⛓️. The future is RED.
MELDchain Integration 📊
@Covalent_HQ
on 🔴.
A decentralized data infrastructure that enables users to seamlessly access blockchain data. By indexing all transactions on-chain + a unified API, you can build with ease on MELD.
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You're welcome and we're fired up to see DEGA turning into a reality.
As we at
@dega_org
near our TGE, we'd like to thank our dear friends at
@onMELD
for their guidance and support with the MELD ISPO!
Over $2M in TVL! Thanks!
Don' forget to join us on the
@CoinectaFinance
&
@TMinusOnePro
launchpad events on JULY 22!
#DeFi
#blockchain
#crypto
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I am in London this week and will be extremely busy 🧱 always building 🔴⛓️
Unfortunately due to meetings and schedule, I will not be able to have my weekly Mental Wealth spaces tomorrow.
We will resume next week with an exciting one 🤝
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I’m not sure if I believe in luck, but I’ve found fortune favors the brave.
“Luck” comes with persistence…
and we are only just getting started 🚨
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I think with the baggage of two major bull markets, the implosion of CiFi, the FTX fraud and so many countries flip flopping on crypto regulations has led to enough people and history/reflections on the space to start and create blockchain tech with more quality of life features.
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If you've found this thread helpful or informative,
Like/Retweet the first tweet below 🤝
Why CeFi should die.
Over the past two years of scandal, default, embezzling, collapse, mis-management and general abuse of power, CeFi has given crypto a black eye and a few broken ribs...
Then pushed it down the stairs and tried to set it on fire.
🧵↓
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Mental Wealth
#7
🔴
This week we speak with
@PepeBlasco_tech
and
@Sronds
about their backgrounds, Web2 vs Web3 and thoughts on building blockchains 🤝
2 of my favorite people + major pieces to the
@MELD_DeFi
puzzle 🧱
Set your reminders ↓
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Checkout my discussion about crypto custody,
#beyourownbank
and decentralization with the participants on Crypto Town Hall with
@MarioNawfal
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For your Web3 entertainment…
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@Jane14457995
@MELD_Defi
Hi
@Jane14457995
there is no rug. Our Haskell lead dev did not leave. Our CTO left MELD because he didn’t want to work in crypto anymore. The Haskell lead is Dat. He authored our white paper of concurrency for Cardano. Our Haskell team is amazing and we’re launching on Jan 16.
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9/ MELD (Heavily biased opinion) 🚨
→ MELD will become one of the leading new L1s in the space.
→ MELD Lending & Borrowing will flip AAVE on single chain TVL.
→ MELD will become the chain of choice for NFT artists with a vibrant culture online and irl.
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@vancibrah
@MeldBuzz
Yes we have NOT left Cardano. We are still working with IOG. We consider our Cardano community to be a cornerstone. Everything we are working on will support the Cardano blockchain and ecosystem.
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@TheDigitalComJB
@onMELD
Thanks! I’m so proud of our team and what they have built. Fiat accounts in 160 countries with super cheap on/off ramping. MELD is about the change what people expect of crypto.
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@OmfgSid
@MELD_Defi
I'm glad you bring this up because there is a very big distinction between
@MELD_Defi
and many other projects on both sides of the fence (CeFi and DeFi solutions.
1st: MELD is BOTH DeFi protocol and Neobank license, so we can control the data that need to flow between these two
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When people use CeFi they need to give their crypto keys to the CeFi firm to “manage” user funds.
4/29
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We need a nail in the coffin of this bad idea that has run its course. Let CeFi live in textbooks as a reminder that regulation does not always result in consumer protection.
29/29
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FYI all your crypto people out there. Tried to use
@travalacom
to buy flight tickets and hotel for ETH CC. Complete fail! Figured I could pay with crypto. Paid for it all, got the reservations. Hotel canceled the reservation on the day of arrival and now the flight home does not
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But crypto is still here… it’s been painful but we are recovering…
... and have we learned anything from this?
What is this murderous CeFi?
2/29
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When I started MELD, we spoke to a lot of VCs.
Many of them told us that we had to have at least one traditional banker on the team if we wanted investment.
What could go wrong…?
7/29
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I don't know about you... but chop or not I am bullish.
Do you think I'm right? Maybe wrong?
Retweet and comment below 🗣️ ↓
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With the wild-west comes opportunity.
It’s new and open to EVERYONE!
It’s a true form of freedom, but comes with responsibility.
Freedom to win AND freedom to lose.
I believe freedom is more valuable than giving up my right to decide.
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16/16
In subsequent articles I will delve deeper into these topics, exploring both the advantages and challenges of on-chain banking.
Watch me explain more in-depth in our video series, Learning on MELD.
What is On-chain Banking?
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With the collapse of 3AC, the CeFi losses were kept behind closed doors. People could only get small glimpses of the larger problem with on-chain data.
Because CeFi is a black box, only when they interact with the public blockchain do users see what's happening...
10/29
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This is the definition of insanity, thinking that more crypto regulations will solve a problem started by crypto regulated companies.
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They offered high yields.
Provided little to no information on how they were getting the yield.
They branded themselves as a new generation of financial institutions.
What could go wrong…?
6/29
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3/ Solana
→ $SOL will break its ATH.
→ Solana will NOT replace Ethereum as the major NFT chain.
→ Solana will have another outage as a result of high traffic.
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A kind of blockchain 2.0 (bad name I know) that can capitalise on so much of the good and bad; from UTXO, to zk proofs or PoS vs PoW, DeFi, NFTs etc. I think the next bull run will be about combining elements in novel and useful ways more than creating totally new primitives.
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CeFi firms: BlockFi, Voyager and Celsius
DeFi protocols: AAVE and Compound
CeFi firm: FTX
DeFi protocols: Uniswap
CeFi firm: Prime Trust
DeFi: good old fashion Metamask and Ledger
13/29
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Then came the bear market…
Turns out 3 Arrows Capital (3AC) run by two TradFi traders, had massively borrowed and over leveraged themselves borrowing from CeFi firms all over the world.
Everything went wrong…
9/29
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6/12
Blockchain fits this use-case perfectly, it just hasn't been done yet.
The primary reasons are for speed and flexibility. Transactions are fast, typically completing in less than two seconds, contrasted to TradFi transactions that require days and numerous intermediaries.
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We trusted CeFi; they followed regulations, acquired licenses, oh so many licenses, had VC backing and packed their boardrooms with lots of bankers.
With this star studded lineup, they raised huge sums of money and got crazy valuations.
What could go wrong…?
5/29
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12/12
In subsequent articles I will delve deeper into these topics, exploring both the advantages and challenges of on-chain banking.
Watch me explain more in-depth in our video series, Learning on MELD.
What is On-chain Banking?
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I’m saying the concept (on blockchains) of paying gas is very odd. I know technically way you have to. If I’m sending C5 tokens to someone, wouldn’t be great to pay the gas/Tx fee in C5 (if you want). Everyone has has this experience of not having enough gas token (ADA, ETH etc.)
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It stands for Centralized Finance and it’s basically the bastard child of DeFi + TradFi (Traditional Finance).
It takes blockchain tech, typically Ethereum and manages it as a private corporation.
3/29
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This is not to say there will not be invention, just that the big offerings will be cleaning, perfecting and honing what we have learned. Google didn't invent internet search, they just did it better and made it easier.
#blockchains
#Crypto
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While CeFi was busy cooking books and hiding losses, DeFi was rolling blissfully along, completely transparent, open and audited.
We put too much trust in regulations and licenses.
We should have been trusting on-chain data.
14/29
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In many ways DeFi is even more, cold, heartless and hostile than CeFi.
But it's a equal opportunity, unbiased, ruthless type of fairness.
Where hedge fund managers have the same opportunity as factory workers.
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10/12
The MELD team and I have spent the past three years developing this on-chain banking system, but it does not come without its challenges...
Primarily around user responsibility and regulation. In a permissionless setting, losing your keys means losing your assets.
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3/12
When users want to receive money or pay using a wire or debit card, on-chain assets are instantly sent to the banking system to be spent.
If money is received in a users bank account, it is instantly moved on-chain and begins earning a yield 🤝⛓️
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CeFi tried to live by two masters.
TradFi with its secrecy and annual audits,
and DeFi with its perpetual auditing and transparency.
It created the worst of both worlds.
15/29
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We need to more focus on new, open and fair real-world financial tools for the masses.
Not more regulations so more traditional financial firms can convince more users to give up their keys and lose big again.
24/29
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We should have our heads examined!
On what planet do we equate financial institution with user friendliness or good will, transparency or honesty?!
8/29
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CeFi has shown its true colors and they are dark with greed.
This in itself is not a bad thing, it’s human nature.
Bitcoin was created to be a counterweight to human nature.
17/29
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5/12
Send + receive assets in real-time from anywhere, 24/7.
A permissionless system allowing anyone to use it at any time without restrictions imposed by a single entity. Everyone has fair + equal access. Examples of irl permissionless systems are public parks or the oceans.
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2/ Bitcoin
→ $BTC will hit $150,000.
→ 10 nations will approve BTC as a currency.
→ BTC ETF will be approved and will create a shock in the market greater than anyone expected.
→ The rise of BTC shitcoins (BRC-20, etc)
→ BTC will struggle with network overloading...
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