userCaseAsset @usercaseAsset

I love this! Santander has open-sourced its open-source AI initiatives. The bank pushed 11 repos, live this week under Apache-2.0 on the code, but the data synthetic or anonymised only. Quite a moment for a bank this size, putting its AI control layer on the open internet for anyone to fork. This is the bit every bank has to get right. So what is it? → autoguardrails: a scaffold for stress-testing LLM guardrails, jailbreaks included (can we use this LLM?) → "mechanical governance" for high-stakes LLM decisions, with hard gates and governance metrics (can we trust an LLM with this decision?) → mutatis-mutandis: discrimination testing with counterfactual comparators, straight out of a published paper (very important if you're lending!) → stressed-datasets: public benchmarks republished in "stressed" form to probe model robustness in that scenario → gen-fraud-graph: a synthetic fraud-graph generator to benchmark fraud detection (really, really cool, need to dig into this one) → llm_bridge: a vendor-neutral client for OpenAI, Bedrock and Gemini, so you skip the lock-in (again, how many companies are struggling with this?) → ralph: their own spin on the Ralph loop, the run-an-agent-in-a-loop trick from the indie AI crowd I think I need to write a whole Rant on each of these pieces. The most important thing for a big regulated actor is "Can you show a decision was safe, fair, auditable, and the same tomorrow as it was today." Santander published its working answer and handed it to everyone, competitors included. Why give it away? 1. Attract talent - this is a huge signal they've got their AI act together 2. Signal internally - We have these tools, use them 3. Give regulators confidence - Here's how we work, you can audit it (The board that signs off on releases includes Legal and the CISO. That tells you how seriously they treat it.) I've watched banks spend years trying to govern AI behind closed doors and ship nothing. Doing it in the open, with a contributor agreement and a proper open-source office, is a faster route to getting it right. The banks that pull ahead from here will be the ones who can prove their AI works. @bancosantander just open-sourced a head start. Repo is here. 👇 github.com/SantanderAI

Today at 2pm ET, Julaire Hall is hosting a live AMA on the Open Payments Accelerator: → how to access up to $50K in funding → what developers are building today → how to approach a strong application 📅 June 8 — 1pm COT / 11am PST / 7pm WAT
👉 meet.google.com/gmg-vmrb-uew

Most payment systems still behave like isolated islands. The Open Payments protocol is built from a different design principle. Payments should move like information on the internet…seamless and fast, open so that transactions can flow across systems regardless of wallet, network, or currency. If this sparks an idea, come build it.

Meet Ripple, a pocket-sized pixel pal that features animated emotions and tilt-reactive fluid simulation: projecthub.arduino.cc/rahul38888/rip…

👀

Fomo {X} @ShortTheFOMO

a month ago

👀 github.com/XRPLF/XRPL-Sta…

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👀 github.com/XRPLF/XRPL-Sta…

Last night I dropped two new Amendment ideas into the XRPL Standards discussions to introduce extra layers of native security for bridges, exchanges, and vaults on the XRP Ledger. github.com/XRPLF/XRPL-Sta… The motivation? Rising social-engineering scams and the need for enhanced on-chain protection as regulatory clarity arrives. Time to close these attack vectors at the protocol level. ------------------------------------------------------- Deposit Authorization :- This introduces two new transaction types: DepositNoauth - The simple counterparty to DepositPreauth. Instantly block unwanted payments from specific addresses while still happily accepting deposits from everyone else. DepositSetauth - The partner to DepositNoauth and DepositPreauth. Subscribe once to a trusted provider’s blocklist or allowlist and your account automatically inherits their rules. → Full proposal: github.com/XRPLF/XRPL-Sta… ------------------------------------------------------- Withdraw Authorization :- This introduces two new transaction types: WithdrawNoauth - The sender-side mirror to DepositNoauth. Instantly block outgoing payments to specific bad addresses while still sending freely to everyone else. WithdrawPreauth - The sender-side whitelist that pairs perfectly with DepositPreauth. Turn it on and your account can only send payments to the trusted addresses you approve for instant built-in scam protection. → Full proposal: github.com/XRPLF/XRPL-Sta… ------------------------------------------------------- Both proposals are live for public testing right now on our Devnet Portal at xspence.co.uk/devnet (built specifically for this purpous after the @xrpl_commons Core Dev Bootcamp). Just connect to the custom node, generate accounts, and fire off transactions using the ready-made template library with dropdowns and simple entry fields. Drop any thoughts or feedback below and if you test them, screenshot your results. Would love to see how they perform in the wild! 🙏 #XRPLedger #Protocol #Development @XRPLF @RippleXDev @Ripple

@wirexapp Still open tickets need support !!

🚀 Xahau Devs & Builders, This is HUGE! 🚀 The XahauHooks101 collection is NOW COMPLETE! 🎉 I've curated 101 real, working Hook examples in C – all lightweight, fully commented, and ready to compile /deploy via the Hooks Builder platform.🪝 From basics like install/invoke params, state management, and native/IOU handling... to advanced superpowers like Emit_IOU, Emit_Native, Remit_IOU, and Remit_URI for automated token issuance, remittances, and even NFT-like URITokens with auto-trustlines! 💥 This open-source repo is your ultimate resource for mastering Hooks on #Xahau. 🧑‍🎓 Test on Testnet, build smarter contracts, and level up the ecosystem. Anyone can fork, contribute, or use these to spark innovations - especially with the Dev Contest deadline looming (Feb 1)! ⏰ Check it out: github.com/Handy4ndy/Xaha… Shoutout to the community for the inspiration and nudges in the right direction! @andreirosseti @ekiserrepe @Satish_nl @_tequ_ Let's get hooked! #GetHooked #NowOnXahau #Xahau #XahauHooks #BlockchainDev 🛠️

Want to learn world-class C++ architecture? Study @Ripple's rippled server. 100% open source. Powers the #XRPL for @XRP_Alerts. Built on Boost: ⚡ Container — memory efficiency ⚡ Beast — HTTP/WebSocket ⚡ Endian — cross-platform reliability ⚡ Smart_ptr — memory safety This is how you build infrastructure that moves billions. $XRP #BuildOnXRPL

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗶𝗻𝘁𝗲𝗿𝗰𝗵𝗮𝗻𝗴𝗲, 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗳𝗮𝗰𝘁𝗼𝗿𝘀 𝗶𝗺𝗽𝗮𝗰𝘁 𝘁𝗵𝗲 𝗶𝗻𝘁𝗲𝗿𝗰𝗵𝗮𝗻𝗴𝗲 𝗿𝗮𝘁𝗲? Let’s break it down: Every time a consumer swipes a card to make a purchase, the merchant pays an interchange fee. Revenue from the fee gets divided among parties that facilitated the transaction: the banks that send and receive the payment, the card network, the payment processor, and—more recently—fintechs and businesses that embed payments. When you take the bird-eye view diagram below 👇 as an example: If a user swipes a card issued by a Neobank, $1.70 (interchange fee) goes to the issuing bank and the card network, $0.50 (acquiring fee) goes to the acquiring bank. Interchange fees are not always the same though. 𝗪𝗵𝗮𝘁 𝗳𝗮𝗰𝘁𝗼𝗿𝘀 𝗶𝗺𝗽𝗮𝗰𝘁 𝗶𝗻𝘁𝗲𝗿𝗰𝗵𝗮𝗻𝗴𝗲 𝗿𝗮𝘁𝗲? ► Credit vs. Debit Interchange rates on credit cards are significantly higher than those on debit cards. ► Rewards programs These benefits are financed through higher interchange rates, and have proven to be very popular with consumers. ► Online vs. Offline Online purchases are less secure than in-person purchases. ► Consumer vs. Commercial Cards associated with business or corporate accounts carry higher interchange rates than consumer cards. ► Merchant Category Code (MCC) Every merchant is categorized by the major card networks according to a Merchant Category Code (MCC). This means that there are different interchange rates depending on whether someone uses a card in a supermarket, a retail store, a gas station, or with some other form of merchant. ► The Card Network Different card networks charge different rates. Visa and Mastercard are known for charging lower rates. Other networks like AMEX are known for charging higher rates. ► Network partner programs Visa and Mastercard’s partner programs like VPP (Visa Partner Program) and MPP (Mastercard Partner Program) often give specific retailers interchange rates that are much lower than the networks’ published interchange rates. ► Size of the issuing bank (𝗢𝗡𝗟𝗬 in the US 🇺🇸) Larger banks are subject to a regulation called the Durbin Amendment that caps interchange rates on consumer debit transactions. Smaller banks are exempt. As a result, these smaller banks can earn more revenue from interchange rates, which benefits FinTechs and embedded finance businesses that partner with them. Read my complete source article for more info: connectingthedotsinfin.tech/what-is-interc…

For the very first time in history I see community member sharing their r-address as a true identity, not to ask for payments, but for conversations 🙏 Awesome work @andreirosseti - @evergramhq is bringing new vibes to the ecosystem 💪🏼

Evergram is live. Fully encrypted messaging for Web3. No central message database. End-to-end encryption by default. Try it via Xaman xApp or web: evergram.app

“Brian Roemmele Builds Never-Forget Al Agent on Apple M4” x.com/i/trending/202…

🚀 Introducing Open Payments Go An open-source SDK bringing first-class Open Payments support to the Go ecosystem. Building backend systems in Go? Now you can integrate interoperable payments more easily. 👉 Read more: interledger.org/developers/blo… #golang #OpenPayments #OpenSource

🚀 We’re hiring: Digital Marketing Lead Help shape and scale ILF’s digital presence — from editorial strategy and content production to multi-channel campaigns and HubSpot automation. You’ll manage freelancers, own performance analytics, and drive data-informed growth across email, social & web. 📍 Remote (global) 💰 $6–8K/month 🎯 Mission-driven work advancing financial access through technology 👉 Apply via the email in the job description #hiring #nonprofit #techforgood #MarketingDigital

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This is what building on the XRPL with @XamanWallet looks like. The team over at @biddsonxrpl built an xApp, put it in front of real users, and volume followed.

bidds.com @biddsonxrpl

4 months ago

Based on the last 30 day volume, Bidds is the number 2 dApp on the XRPL This is mostly driven by Ledger Swap within @XamanWallet, the number 1 wallet on the XRPL Creating an xApp was one of the best decisions we've ever made. We will always support Xaman and their awesome team

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💡 Open standards drive innovation and accessibility. As stewards of the Interledger Protocol (ILP), we collaborate with global organizations like W3C, financial providers, and community members to build systems that empower everyone. ✨ Open standards. Open opportunities. Find out more about Interledger: youtube.com/watch?v=1fTdtp… #Interledger #OpenStandards #GlobalFinance #TechForGood #Interoperability

🚨 Hiring: Backend Engineer! Want to build the cryptographic foundation that real-world payments depend on? At #Interledger, you’ll architect the "Root of Trust" behind Interledger Cards & POS. Designing high-performance, security-critical systems from the ground up. We're looking for expertise in • Go (goroutines, channels, Mutexes, WaitGroups) • High-concurrency gRPC services • Cryptography (ECDSA, AES-GCM, key management) • Thread-safe, low-latency system design Open source. Remote-first. Global impact. Read more in the job description. 📩 Apply: [email protected] #Hiring #GoLang #BackendEngineer #Cryptography #Security #OpenSource

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@daniel_wwf @grok