Stablecoins market size = demand for dollars (and eventually other currencies) unhindered by banks or borders. One big economy. Huge if true.

Putting everything in one place, finally. Eco is a platform for builders, chain ecosystems and stablecoin holders to share liquidity, when and where it’s needed. Read 👇 to learn more about how it works, and how you can participate. #alpha eco.com/blog/one-click-full-…

As I see it the new @eco protocol obsesses over one question: How simply and quickly can we get someone onchain, defaulting to stables, then let them go from there?

I was going to tweet something amazing today but then Stripe acquired Privy. @jayhinz @segall_max love y'all, massive congrats on hard work and customer obsession rewarded. Will gladly cede my timeline. See y'all on the other side 🙏

fun @eco lore: When we launched the original Eco App (RIP) in 2020, the ability to earn 6-8% APY was readily available across crypto lending products, both onchain and offchain through prime lending platforms (where there was a broad spectrum of legitimacy and actual expertise). This was in a zero rate environment in the broader economy. So at the time, the 10x feature was being able to offer any nonzero interest rate at all. For a mainstream consumer product, it didn't necessarily need to be as risk-free as treasuries — people understood they'd have to assume a little risk to reach for yield — but it definitely needed to be transparent and safe enough. We vetted and tested yield strategies and offerings for months, onboarding and interviewing users who wanted to know where any positive yield was coming from when banks paid nothing. We launched the app in beta testing 6,7,8% APY offerings. They were safe rates; we had policies, monitoring and market information to continually vet them. But people wouldn't sign up. So one week we said "screw it, change the game." We dropped the yield offering to 2.5% - 5%. The product didn't change at all behind the scenes; just the offer. A user could earn up to 5% in half-point increments by referring up to five new users who converted. And guess what? The conversion issues went away; conversion rates went up at least 3x — after we sliced the yield offering in half. Nonzero yield may not be the 10x feature it was five years ago, but there's still a real insight in this. -- To my knowledge the original Eco App was the first true stablecoin neobank, with a full bank replacement feature set seamlessly moving dollars between banks and USDC — for spending, saving, bill pay, and more. Many of our users switched direct deposit into Eco, and made it their primary account. We talked to thousands of people about their money, and about crypto. There's no replacement for doing that. That experience remains invaluable today. We've gone back to the protocol/infra layer at Eco, but those learnings directly inform the way we build our technology to help power the current wave of stablecoin products. I think probably nobody nerds out on stablecoin flows and UX as much as we do (and have). If you're building a stablecoin consumer app, or if you're an ecosystem (such as a stablecoin issuer or chain) trying to support those builders, @eco infra can help power it.

Alright seriously where is @eco coming from and what are they cooking. I need to know.

No opinion on NYC mayor, but lots of us still live in SF and like it... 🌁

It takes a village indeed. For those busy FUDing, this came together in a matter of weeks. Proud for @eco to play a role. Progress on the intents-interop front going to be absolutely relentless this year (month. week.)

me a couple weeks ago: Let's release the latest @eco Routes version to @hyperlane community, they can help warm up the first $million. @hyperlane chads: ahem. just let us cook. floodgates open 🔜

Smallest stablesend through @eco Routes last week: ~$10 Largest: $100k 5 orders of magnitude not bad. Give me 7 by end Q2.

c̶r̶y̶p̶t̶o̶ s̶t̶a̶b̶l̶e̶c̶o̶i̶n̶s̶ w̶e̶b̶3̶ Just your money, how and where you want it. A year ago we built Beam as an experiment. Could anything onchain finally feel as easy as Venmo? Turns out yes. Excited to reveal the latest version. New name, new color, new features, still dead simple. (and still always open for feedback) But the real magic lies underneath. More on that soon 👀

This team is so cracked. Can't say enough about @hyperlane ... their hustle, their tech, the support they've given us. Very proud for @eco to be one novel use of their system. Thanks in particular @thePalenimbus @nambrot for your support. Much more to build together 👀

@hyperlane about to drive the first $million through Eco's latest Route🚀 Just warming up. So much more cooking here... thanks @thePalenimbus @nambrot and @hyperlane community. First access always for our closest partners. Join the Crowd👀

More @eco lore and learnings: We onboarded the first ~1k users to the Eco App (RIP) manually — across live conversations, video calls, chats. Put this in the "things that don't scale" bucket. Why did we do that? Three main reasons: First, whenever you're asking someone to do anything new to move their money, they usually need a nudge. Product incentives play a role, but can't replace a real conversation. People might know there's a better offer across the street (or on that DeFi protocol a few clicks away), but they often still won't make the move on their own. Second, we were asking people to do something even more new with their money: not just move it to a new product, but to hold @USDC instead of bank dollars. That needed to be explained at length — what stablecoins even were, the benefits to holding them, etc. The bar on this is maybe lower today than it was 4-5 years ago, but not by much, especially for products casting themselves to a "mainstream" audience. Third — and this is key — if you're building something like a neobank product, you want people to commit up front. If you ask them to just try it with some nominal deposit, 99.9% are not going to convert to retained users, and you've just annoyingly fragmented their money in one more place. We were not shy about the fact that we wanted to replace their bank and become their new primary account. So we literally talked to thousands of people about their money, and about our product. Starting with the founders, and then eventually hiring a team to gradually scale and automate more of those conversations. (And that team was awesome.) We fed all those FAQs and earned insights constantly into our product flow. Infinite credit to the incomparable @JHCA1 for knowing all these things innately, and for demanding that our onboarding experience be designed this way. -- If you're building a product in this category, never forget: When it comes to money, the product "pain point" is also often somehow a point of insecurity for someone. Everyone is a little insecure about money, somehow. You need to (graciously) find that pain point for your customer profiles, and be able to meet them where they are with an amazing onboarding experience. Every interaction should build trust — every tap, every error message, every FAQ response. This is even more important if you want to recruit the world's dollars onchain. And if we're not doing that, what are we doing at all? This is hard. It is not a silver bullet that guarantees success — our app no longer exists after all — but there's also no better replacement for doing it. It's one of the things I'm most proud of from Eco's history. If you're building a stablecoin app, or if you're an ecosystem (such as a stablecoin issuer or chain) trying to support those builders, @eco infra can help power it. We want to go deep with you on your product requirements, plans, flows, ideas. We love this stuff. All to the end of moving money onchain, and making it work better for people.

Fun @eco lore: In 2021 we launched 'Points' to reward community contribution and save/spend loops through our original Eco App (RIP). It lit up Discord engagement and our app growth and retention. We were hanging on for dear life. In 2023 we piloted a Points Store in the app, where people could redeem for a limited-supply consumer good (first a @beasthealth blender) at a discount. The idea was that, by deeply understanding users' recurring spend preferences, and incentivizing them to happen through our app using stablecoins — cutting out processing fees and brand marketing expense — we could create a positive-sum loop where brands would extend premium discount offers directly to our users. The blenders flew off the shelf so quickly that the Beast team reached out, asking what we were doing and how we were moving their product so quickly, and offering to allocate more. There's a real insight in this. If you're building a stablecoin consumer app or neobank, we're here to help and @eco infra can help power it. We'll tell you everything we know to help level up UX and user behavior loops in your product.

Can confirm. The flood is real.

wait @eco Crowd Liquidity is already live??? yes anon. @deptofagri is the in, and it's a blast. find your way into the next round 👀

With @circle's long anticipated and blockbuster IPO last week, I've been flooded with questions about stablecoins — the market for stables, the apps adopting them, how they work, what they represent. For better or worse, I've had years of practice answering these questions at @eco. If you're asking or answering these questions yourself, here's my 101👇no deep crypto knowledge required. So what's a stablecoin? It's just a different digital dollar. Think about it a minute: For most of us, you're dollar's mostly already digitized. It comes in through payroll and direct deposit; it goes out when you swipe your card. You never actually touched it. You just trust your payroll provider, bank, and Visa to get things right (which they mostly do, but not always). Starting from that point, it's easier to consider stablecoins as a next-gen digital dollar. The difference is that, rather than entrusting balance management to your bank, you're trusting it to a crypto network (a blockchain). It's not the bank's servers doing the accounting; it's the social, inherently global network of blockchain "watchers" agreeing on the accounting, every few seconds. So are stablecoins "crypto"? "Crypto" is just digital currency created on a blockchain. Bitcoin, ETH, NFTs, meme coins — they're all just units of some currency or value (or hopeful currency or value...) tracked on a blockchain instead of through banks. When most people think of "crypto" they think of something alternative and volatile like Bitcoin. But stablecoins are also created and accounted for using crypto technology. Why do they matter? What's the benefit? Cryptocurrencies, and stablecoins in particular, are basically better ways to move money — and hopefully, increasingly better ways to hold money too. They're inherently global, accessible 24/7/365, faster and cheaper to transfer. They're also easier to program and automate transfers for ("if some condition is satisfied, then move the money" without needing multiple service providers to push a button). Many of them also automatically earn yield, without having to split your interest-earning "savings" from your spending dollars. A bank wire is restricted to business hours and typically costs up to $40. A card swipe takes 2-6% of the transaction for various service providers. A stablecoin transfer happens in seconds for cents, anywhere in the world regardless of the amount. If nothing else, this is fundamentally better money movement technology that has benefits for both sides of a transaction. But more likely, beyond that, it's an evolutionary step in how money should work. Who's using them? Way more people than you think. Basically everyone building or trading crypto, but also increasingly: payment companies and banks themselves. Believe it or not, overall annual stablecoin transaction volume is now estimated to exceed the payment volume processed by both Visa and Mastercard. The data's a little apples-to-oranges, but the point is that this stuff is suddenly way further along than most people realize. And accelerating. How big is this going to get? How big is the overall market for moving dollars and trading currencies? That big. Today the stablecoin market cap is ~$250 billion and stablecoin transaction volume is estimated upward of $15 trillion. Add a couple zeros to both over the next 5-10 years. Why do you care? Because I've believed, for nearly a decade now, that crypto is just inevitably a better way to hold and move money. We've had to build a lot, and we gotta build a lot more, to simplify access and prove that out — but I think it's just fundamentally better money technology. So I want money to migrate "onchain" where we can prove that and make it work better for people. We started @eco with that mission in mind. Today our technology powers seamless UX for some of the most widely used stablecoins and stablecoin applications. But some of you know we previously built one of the earliest @USDC based consumer apps (iykyk). We had some success, but it was also a slog before the banking and regulatory environment had really embraced stables as inevitable. Along the way, we spoke with thousands of people about their money, and we got pretty good at answering questions like these. In a future series, I'll focus more on stablecoin UX and building stablecoin apps, based on our own learnings. Hope you find this helpful, share if so. 201 series next up. follow along @rynesaxe If you want to skip straight to 401 and stay on top of other stablecoin trends, I suggest following the likes of @covexyz @nic_carter @artemis @HadickM

month to date training wheels off soon another 10x looming

OG @eco investor: "Someone asked me recently about Eco and where you sit in the market. I told them: It's not another stablecoin, not another chain. The category is Eco. It's a whole effing Economy. For stablecoins." "You should use this." So I'm using it. Economies.

A thing keeps happening. I decide to write something about stables, skim my usual sources, find @proofofnathan basically wrote it already. So I just post that. Trillions?

more @eco lore: The Helix™️ One of the things we were most proud of about the Eco App (RIP) was that it looked like no other fintech or neobank app in the market. This was very intentional. I cannot overstate the time or the level of intentionality invested in defining the visual language and UI for that product. Hundreds of hours up front. The only other consumer finance app, at least in the U.S., that I really looked up to and whose design showed this obsessive attention to detail, with no interaction taken for granted, was @CashApp. Why so important? Because to deliver on crypto's promises, it needs to be money that feels better. And not only that, in a hyper-competitive market for consumer money products, yours needs to stand out and be memorable. Quoting @tfadell via @NFX: Really understand your customer and speak their language. What is their pain? Understand their pain. Remind them of their pain. And then show them the way forward that takes away the pain — and gives them a superpower they’ve never had before. The superpower that is so magical that they want to show all their friends: “Look at this. Check this out. Look what I’m doing.” There are lots of money use cases where crypto can give people a new superpower, whether by introducing a new opportunity or alleviating a major pain point with "old money." To get people to use your product, that needs to be true. But you can go further, to communicate those benefits visually, and powerfully. So we thought about the product promises, principles, values that were most important to communicate to our users: a singular always-earning balance; growing wealth over time; the ability to visualize value derived from using our product. And with those in mind we — specifically, my cofounders @JHCA1 and @andy_bromberg working with the inestimable talent of @memo @workandco @pklada — came up with the Helix. In the app, your Helix grew with your deposits and earnings. You could manipulate it: zoom in, tap on an individual bar, turn it sideways to view a bar graph showing your transaction trends over time. Every time you opened the app, the Helix was the first thing you'd see, as an easy and motivating — even mesmerizing — reference for how your money was growing with Eco over time. The insight here is the critical importance how you make users feel, and in turn how you build trust that your product is worthy of securing their money, and making it work better for them. If you're building a crypto product for 'mainstream' people who aren't yet crypto-deep, you need to think deeply about this. It's a huge part of your opportunity. Today the @eco platform makes stablecoins seamlessly usable across chains, moving them fluidly, in real time, to do whatever — so you can use digital dollars onchain as easily as you can tap you card today (with much faster and smarter money movement in the background). We're not building the Eco App anymore, but we're still super proud of it — and making money feel and work better is still our motivation. We're just doing it at another layer now, that other app and protocol builders can use. If you're building a stablecoin product in this market, we can help power your flows and streamline your UX. We've lived it.

This is such an important and spot-on insight, from one of the most thoughtful investors out there. I've experienced this gravity first-hand, more than once, and had to will and learn my way out of it. Struggle's real. All the better when you come out the other side📈

Calling Eco a "bridge" is kinda like calling Hyperliquid just a blockchain. I recoil a bit whenever I hear this. Yes, we build our own infra, to control our own execution. But everything to the same end: a liquidity platform for the entire stablecoin economy. trees/forest

Thrilled to be a part of @metabasedorg with @eco! Interop & liquidity unification to further scale Ethereum, not further fragment it. That's what we're about.

while supplies last... just in time for the holidays, fun "built on Eco" collab with @BobbyThakkar

slowly...surely...then suddenly, all at once 📈 limits off, 🔜

going to Devcon? Might be a unique circus this year🎪 @jayks and @eco_incorp doing the hard work and putting 100+ side events in one place at devcon.eco.com. Let us know if we're missing yours! (and, a special s/o to all the #reject spinoffs)

more inevitability stables are the most widely held, widely used asset class onchain — all new chains and ecosystems need a stable strategy serving liquidity between them is the most valuable market problem to solve in crypto right now

#cryptoisuseless until it's... One click. Full send. Game on.

Eco summarized: Making stables smarter, in fewer clicks. Often that work can extend to benefit other projects and other tokens as well. Permit3 👇is just the latest example. Many chains, one signature. As always, we welcome feedback and additional contributors.

Suddenly @eco is everywhere...? Slowly, surely, then all at once.

bullposting @ithacaxyz and Porto, really excited to see this roll out and support it. @eco we're constantly working to improve stablecoin UX and make stablecoin use seamless across chains. Porto is one of the best new solutions we've integrated. More to come here 👀

feeling massive fomo not being in Berlin this week, esp for interop/acc. Haven't been since ETHBerlin 2019...crazy @arjunnchand @kurt__larsen @nambrot @jimchang @gregthegreek (and others) y'all hold it down, catch some of you at @EthCC soon 🙏

Eco is not a bridge. But, by popular request, you can now use it like one. Be early.

Proud to support @FWBtweets & FEST24 and bring more masses onchain (settling to @base of course) Powered by Eco you say? Stay tuned 👀

Founder friend: You should really yap more, you have a lot to contribute and say about the direction of the space. Me: I yap to my 3y old at home all the time, and my influence remains minimal. Maybe someday, on both fronts. Maybe this counts. Happy Monday. Win the week.

If this is smart money, it's gotta be basically one click wherever you want to go and whatever you want to do. The bar for other devs to build something people want is artificially high if getting to and from their app is any more complex than that.

Very smart people just keep writing it for me. "As more stablecoins launch and compete for deposits, orchestration becomes the infrastructure that connects them....by making it effortless for capital to flow." "In the end, money needs better coordination. And the future of stablecoins will rely whoever can orchestrate movement..." Also love @0xcoconutt's "money that rests/moves" taxonomy for stables. 👏

the stablecoin ecosystem rn. @eco looking good here.

Back at it and completely stoked for what's ahead. Can't wait to show what Team Eco has in store 👀 Summer of Eco indeed, let's get to it ☀️🚀

On the hot seat with @arjunnchand this week! "Stables are interop" among other topics. One of my favorite weekly listens, super grateful to join the conversation myself.

Best one yet. And not just because stablecoins are everywhere. Lots of inevitability came to pass in 2025. We're on track. Thank you 🙌 @a16zcrypto & @DarenMatsuoka et al for the hard work put into this. Great data, great visuals. Higher.

"The challenge for a multi-stablecoin financial system isn't technical issuance or regulatory clarity -- it's interoperability and liquidity." Every week brings its own new A-list statement of @eco inevitability. Now's the time.

the answer to this week's most common @eco FAQ what's Crowd Liquidity??? more below👇

We hope you'll follow our progress; and we really want your feedback. If you're a potential design partner, infra partner, or a developer that wants to use Eco, we want to hear from you! Eco is coming... /fin

Super grateful to partner with @FWBtweets for FEST 24. If you're at FEST, make sure you have Bend loaded and unlock FWB Mode! @eco team is all over repping Bend. If you need help or have feedback, flag us down 👋

some early morning stablecoin yapping, straight ahead

👀 Cooking with gas here @hyperlane @nambrot

*nerd sniping here* but if this is the stuff @eco_incorp's cracked QA cooks up, imagine the @eco UX to come... inconceivable that we do not make it (#itwdnmi)

We've gone from explaining the concept, to official U.S. payment and derivatives market adoption, in less than 12 months. However big you think the stablecoin market is going to be, you're not thinking big enough. Exponential.

fairly confident this will not age well

So it's time for us to say more and join the fray. We want Eco to be the hub for the onchain payments and commerce stack — and really for any developer whose app needs stablecoin liquidity for their use case.

Every morning when I start work, I check the stablecoin market cap. Every morning when I start work, it's higher. Some sort of alpha in this.

well this really lit up... @eco roadmap, in a nutshell, is to help rollup stacks do just this, while still being able to talk to each other at Thanksgiving. So long as they can all speak stables... One click, full send. Anywhere across the Stablelayer.

@bend_eco has been our own early preview from @eco_incorp, a showcase of sorts — but the underlying @eco infra will soon be open to all.

Pumped to see this one released. We actually started down this same path with @eco Crowd Liquidity originally, have since gone a slightly different direction. But this still needed to be built, and @sprinter_ux is the team to do it. Looking forward to supporting!

Present. Come talk stables, and intents, and interop, and chain abstraction. All the buzz things. Really just UX. Premium content from some of the best. You're invited.

@1kxnetwork been diamond handing 💎 this and the Trust Thesis ™️ since 2018. S tier fund with S tier portfolio and founders. iykyk Thanks to @heychristopher @lalleclausen @DianacBiggs and the 1kx team for your support and for hosting an awesome retreat ahead of @EFDevcon

There is a thing that people vastly underestimate about stablecoins (including me I think) 👇

And, critically: *There's still a lot of work to do* — to design, build, steward, protect — to make sure the onchain economy actually bring us money without borders.

words matter? yeah but also, just build

Throughout we've been motivated by a few core beliefs, and still are: Crypto is a fundamentally better way to hold and move money. Onchain commerce and payments are inevitable.

For years now, we've been iterating toward this. We built an early onchain checkout demo, an early onchain governance system, and a mainstream consumer app to get people holding stablecoin.

I'd like to invest in stablecoins.

Since our earliest days, we've been trying to realize an onchain experience where any transaction amounts to a simple send. That’s programmable money. That singular, one-click goal is where we live and what we're building toward. It's nearly possible.

for the culture. We experienced this story in a pretty unique and significant way at Eco. Going to keep telling it. More to come. Thanks to @eringriffith and @yaffebellany for the detailed coverage, and to @nic_carter for being absolutely relentless bringing this to light. How Crypto Insiders Turned ‘Debanking’ Into a Political Storm nytimes.com/2024/12/10/techn…

The consumer migration loop: incentivize stables into a wallet-bank hybrid primary account, issue a card against it, automate recurring spend out, reward the entire loop. One simple balance, always earning throughout. And one of those features must be your 10x hook, depending on market conditions (for us in 2021 with the Eco App, it was clearly interest rate). But I basically agree with you.

helix motif + "wallet detected mode" = pure @eco nostalgia great minds.

reminder / PSA

Monday PSA that governance tokens with zero revenue model are dead (or need to be)

Suddenly @eco is everywhere...?

That's the type of user experience that will help crypto break through, and make its superpowers easier for the average person to understand — and (critically) to feel. We will be working with many other projects to realize that together.

Nice! We've done a bunch of work on this too recently for @eco & @bend_eco. Will join the thread, can also offer code for several of the RIP examples and share early docs (planning to publish them later this month anyway).

favorite recent Eco quote, heard today: "Eco is stablecoin OG AF" Indeed we are. Now's the time.

super proud of @GregBresnitz and @FWBtweets community for seeing this through. Awesome to see FWB reinvent itself over the past year+ while also keeping the ethos that made it special in the first place. go long on the builders who stick it out

Everyone wants them. But then when everyone has them, where will you get them? Not a trick question.

trillions and beyond thanks @DefiantNews for the spot thedefiant.io/news/blockchai…

One of the best things about being a startup founder is how often you're humbled with a reminder of how much mind-blowing talent there is in the world.

big if true.

Sign of the crypto times right now: "Let's set up a shared Slack channel!" "Oh, we already have two. Plus a TG group." "Who set those up?" "That guy who used to work for you but works for us now." "Bullish."

👀🤩🎯🔜

Common question/misconception: Is @eco a bridge? Fast, cheap stablecoin bridging is part of the equation. If bridging stables is what you want, hit portal.eco.com or check out Routes SDK! But Eco's much more than that. Seamless bridging a means to the end. 👀

in @eco's history we've actually rebranded twice (s/o @bend_eco) away from Beam ☄️ Maybe this one will stick tho

The size of the Stablecoin Economy™️ is essentially bounded only by the demand for seamless money movement without artificial boundaries (banks/borders). Today that's essentially worldwide demand for dollar movement (big), but it'll expand for other currencies as well (more).

Can confirm the claims, we've tested it ourselves. Will be the next settlement method Eco integrates across eligible routes. Congrats to the @t1protocol team for putting in the hard work, looking forward to building on this!

So pumped to welcome @jayks, just in time for the summer stretch. probably something... 👀

I don't game around in bullposting often but here's my favorite recent quote from a major partner when shown upcoming Eco demo: "Holy $#!ttttt." There it is that's the quote. (PSA reminder that Eco is much more than a bridge)

And this is why we are building Eco. To make this amazing new economy as accessible and performant as it can possibly be. It's a brave new world.

Naming a new stablecoin now feels like finding a good X handle. Can't wait for hyphens and underscores to find their way into the next wave of dollar tickers.

There is a thing about stablecoins that people are not really grokking yet: Every major payment network in the world today is just a standardized, conditional messaging layer. A way to program money movement. So...what's that mean?? 👇

fwiw I don't actually believe the stablecoin issuer war is over...far from it but maybe otherwise good content, lmk if you find it helpful!

11/ Eco makes crypto UX consistent and intuitive for everyone, to give people the confidence to bring their money onchain and keep it there.

Congratulations to @Calderaxyz for Metalayer release! Thrilled to support with @eco and excited to build on this together.

code. cross-rollup interop in plain sight 🤷‍♂️ It's not that simple, but it's a start. Let us know any feedback! s/o @WilsonCusack for kicking off RIP-7755 and pulling this out of us!

🔜