Since June 2022, I’ve sent out roughly 1,100 of these newsletters to your inbox. 😱

I’ve never missed a day. Still haven’t. Ever. Once, I sent out this newsletter in a partial draft format, which is kind of like publishing a recipe with notes like i got sick when i ate this or chicken medium rare cook time or wtf is even tartar and why is it creamy when it’s not.

However, it’s possible you didn’t get yesterday’s Cryptotwits newsletter. Oh, it went out last night - but only to about 1/5th of you.

When you’re running a newsletter, you clean up the mailing list every so often. And there’s a lot of you who open this every day. So when the backend needs to organize and filter our email list, it takes a while.

And it’s probably not a good idea to do that just before the newsletter is about to send.

My bad. 🥹

$NEXO ( ▼ 0.2% ) dropped a 70-page ‘Future of Digital Wealth 2026’ report, built around a survey of 1,000 affluent investors across the U.S., U.K. and Argentina, plus a separate group of crypto-engaged investors. It’s worth reading. There’s a lot of useful stuff in there once you get past the inevitable section explaining why Nexo products are the answer to modern civilization. 🧠

I thought the age demographic stuff was pretty nuts.

Nexo found 94.2% of affluent investors aged 18-25 own some crypto. Nearly half have more than 25% of their portfolio in it, and 30.8% expect crypto to be their biggest personal wealth driver over the next decade.

But only 2% of those 18-25-year-old holders say they’re holding for 10+ years. Nearly half sit in the 1-3 year bucket. Massive conviction. Tiny patience.

Crypto integration peaks among investors aged 35-44, where Nexo says capital, retirement planning and investment horizon finally line up. Their average Crypto Integration Index score hits 5.04, the highest of any age group.

I mean, it was less than 10 years ago that we had the turdpocalypse of crypto going from Bitconeeeeeect and ICO fraud, followed by memecoin frenzy, Celsius, and FTX to where we are now - adults in their prime earning years making crypto a centerpiece of their retirement plans. That happened really fast. ⏩

Written by yours truly. Super data heavy. Right up your alley. 👀

It’s once a week, on Mondays. Let me know what you think! 👇

$CRCL ( ▲ 1.4% )’s Arc mainnet went live this month. It’s an open Layer 1 built specifically for stablecoin payments, capital markets and moving money on-chain. Circle launched it with more than 100 apps and 100 institutional and crypto builders already involved. 👯

But there is one thing about Arc that anyone who has been in the crpyto space for more than one year can appreciate: Arc wants crosschain transfers to suck less.

Quick reminder about what bridges are - blockchains don’t naturally talk to each other, so bridges move value between them. Unfortunately, they’ve also been defenseless fat money cows with little to no security, protected by complicated smart contracts, validators and security assumptions. And hackers notice things like that.

In 2022 alone, 64% of the $3.1 billion stolen from DeFi protocols came from cross-chain bridges. By August of that year, Chainalysis had already counted 13 bridge hacks totaling roughly $2 billion, representing 69% of all crypto funds stolen at that point in the year.

Not exactly crypto’s finest user experience. And even when nobody steals your money, bridges can still require:

Interop on Arc pulls Circle’s crosschain tools into one system. CCTP handles native transfers of assets including USDC, EURC and cirBTC. Gateway coordinates balances across supported chains. Forwarding Service can even handle the destination transaction without users holding gas there.

For USDC, supported Arc routes can complete Fast Transfers in under 10 seconds.

Thankfully, Circle isn’t trying to build a prettier bridge. It’s trying to make users stop thinking about bridges entirely. Your USDC is there. The app figures out how to get it where it needs to go. 👍

BitcoinIRA gives you access to 100+ cryptocurrencies, one-click crypto bundles, and staking rewards on select assets - all inside a self-directed crypto IRA.

^{*3rd Party Ad. Not an offer or recommendation by Stocktwits. See disclosure here.}

$ONDO ( ▲ 25.89% ) keeps adding pieces of Wall Street to its menu. The latest is Ondo Intelligent Portfolios, 3 tokenized portfolio products built around strategies developed by $BLK ( ▲ 1.18% ) specifically for Ondo. 3⃣

The first 3 cover high income, diversified growth and high growth.

Each Intelligent Portfolio token provides economic exposure to its underlying basket, while the holdings, weights and rebalances remain visible on-chain. Tokens can also move peer-to-peer between wallets, exchanges and DeFi protocols. Ondo says the structure can eventually support automatic smart-contract rebalancing and portfolios mixing multiple asset classes.

Also, this isn’t one of those situations where you’ve an entity tossing their sticker onto the hood of a BlackRock car. BlackRock developed the underlying strategies for Ondo.

That gives Ondo something every RWA platform wants and few have in equal measure: products, institutional names and distribution.

Ondo keeps finding another piece of traditional finance to drag on-chain. And, annoyingly for everyone chasing them, they keep getting there first more often than not. 🥇

🎓 Tether Joins Georgia–Singapore Fintech Scholar Plan

Tether, Pave Bank and GFTN signed an MOU for selected Tbilisi State University STEM students to study at Singapore Management University for a semester starting in 2027. The planned program includes private funding, mentorship and a fintech capstone connecting Georgia and Southeast Asia. Tether.

🏦 KB Securities Plans Tokenized Funds On Optimism

KB Securities, Securitize and Optimism signed an MOU to bring funds to OP Mainnet for Korean institutions. The first targets are a money market fund and a KB Asset Management strategy, with stocks and bonds possible later as regulations allow. For now, it is an agreement to build, not a fund investors can buy. Optimism.

🧩 Hamco Plans An On-chain Pan-Asia Private Equity Fund

Hamco plans a Cayman fund for eligible non-US investors targeting Asian pre-IPO deals and private credit. Chainlink’s Mint framework would support tokenization and cross-chain movement, with Synthesys handling distribution. Hamco.

💰 Galaxy Puts $100 Million Of sUSDS To Work

Galaxy added $100 million in sUSDS to its treasury and now accepts the yield-bearing token as collateral for institutional loans. Clients can keep earning the Sky Savings Rate while it is pledged, and a $500 million Grove warehouse facility already connects the firms. Galaxy Digital.

🏛️ Aave Puts Institutional Lending To A DAO Vote

Aave Labs is seeking 25 million GHO in minting capacity and permission to borrow up to $25 million against DAO assets for institutional lending. Loans would be backed by custodied BTC and ETH, with a projected 1.5%–3.5% net margin for the DAO. Aave.

🛠️ 1inch Adds Four Networks To Its Business APIs

1inch expanded API coverage to Monad, Cronos, HyperEVM and Circle’s Arc, giving developers one account and key for access across more chains. The tools include swap routing, token data, prices and balances, though availability differs by network. A small mercy for wallet teams whose supported-chain lists keep growing faster than the week has days. 1inch.

🔥 FXRP Passes 145 Million Minted In Its First Year

One year after launch, Flare says 145.2 million FXRP have been minted, with 130 million in DeFi and roughly 7.8 million transactions. About 21 million FXRP is on other chains. The activity dwarfs direct fee capture so far: Flare reports $44,632 in FIRE revenue. Flare Network.

🔗 Hedera Sends Cross-Ledger Protocol To Linux Foundation

Hedera contributed CLPR, a protocol under development by Hashgraph, to Linux Foundation Decentralized Trust. Its state proofs would let independent networks verify one another and move assets or messages without conventional bridges. Early adopters can test payments and collateral movement, but this is still a lab project. Hedera.

Email me, Jonathan Morgan, feedback; I’d love to hear from you. 📧
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Author Disclosure: The author of this newsletter holds positions in AVAX, ADA, PUDGY, WLD, NEAR, INJ, LTC, LINK, ZEC, XLM, and FET. 📋