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VOICE ARCHIVE

Arturo Portilla

@arturo_p_a
34 posts
2025-05-28
In 2022, Circle was valued at $9 billion in a deal to go public through a SPAC. 3 years later, just when the stablecoin regulatory winds couldn't be any better (and in the midst of a crypto administration), they're targeting a much lower valuation at $6.7 billion. Why? I believe
2025-05-28 View on X
CNBC

Circle's S-1 shows that 60% of the 24M shares available in its IPO come from existing stakeholders rather than the company, a highly unusual move in a tech IPO

Stablecoin issuer Circle stands to be one of the first significant cryptocurrency companies to go public in the U.S. That's not the only unusual aspect of its IPO.

In 2022, Circle was valued at $9 billion in a deal to go public through a SPAC. 3 years later, just when the stablecoin regulatory winds couldn't be any better (and in the midst of a crypto administration), they're targeting a much lower valuation at $6.7 billion. Why? I believe
2025-05-28 View on X
Bloomberg

Circle aims to raise up to $624M in its US IPO, offering 24M shares at $24-$26 each, valuing it at ~$5.65B, or ~$6.7B fully diluted, at the top of the range

The New York-based company behind the second-largest stablecoin and some of its shareholders are offering 24 million shares for $24 to $26 each …

2024-07-12
The European Commission has made commitments offered by Apple legally binding under EU antitrust rules. The commitments address concerns on Apple's refusal to grant rivals access to NFC for contactless payments.
2024-07-12 View on X
Bloomberg

Apple settles with the EU over Apple Pay and avoids potential fines by agreeing to open NFC access on iOS to third-party wallet developers for free for a decade

2024-07-11
The European Commission has made commitments offered by Apple legally binding under EU antitrust rules. The commitments address concerns on Apple's refusal to grant rivals access to NFC for contactless payments.
2024-07-11 View on X
Bloomberg

Apple settles with the EU over Apple Pay and avoids potential fines by agreeing to open NFC access on iOS to third-party wallet developers for free for a decade

- EU accepts Apple pledge to open up payment tech to rivals  — Firm still faces mounting EU antitrust scrutiny in other areas

2024-02-28
I'm very skeptical about Google's willingness + ability to unscramble the eggs.
2024-02-28 View on X
Semafor

Memo: Google CEO Sundar Pichai calls Gemini's problematic responses around race “completely unacceptable” and vows to make structural changes to fix the problem

The Scoop  —  Google CEO Sundar Pichai addressed the company's Gemini controversy Tuesday evening …

2024-01-27
“When Apple takes the European Commission for fools: An initial overview of Apple's new terms and conditions for iOS app distribution in the EU” Great analysis by Damien Geradin on Apple's response to EU's requirements under the Digital Markets Act. https://theplatformlaw.blog/ ...
2024-01-27 View on X
The Platform Law Blog

Apple's changes for iOS app distribution in the EU fail to offer fair and reasonable commissions and show its disdain for both the DMA and app developers

Yesterday, Apple made an important announcement regarding changes to iOS, Safari, and the App Store in the European Union in response to the Digital Markets Act ("DMA").

2023-07-10
Revolut lost 20mn (or two thirds of their 2021 profits) to thieves in the US who took advantage of the company's poor fraud prevention systems. This is nuts. https://www.ft.com/...
2023-07-10 View on X
Financial Times

Sources: Revolut's US system let criminals steal $20M+ over several months in 2022 before Revolut shut the loophole, equivalent to ~66% of its 2021 net profit

During your trial you will have complete digital access to FT.com with everything in both of our Standard Digital and Premium Digital packages.

2023-04-17
Just when I thought the SEC couldn't dig any deeper into their absurdity quagmire, it managed -again- to find new absurdity paradigms. https://twitter.com/...
2023-04-17 View on X
Bloomberg

The US SEC reopens public comment for a draft rule that expands its crypto regulatory power, adding explicit language covering digital asset and DeFi exchanges

The US Securities and Exchange Commission on Friday altered a proposed rule to make more explicit that digital-asset exchanges …

2023-02-13
The NYDFS has reportedly ordered Paxos to fully stop issuing BUSD, which is kinda' odd considering the fact that the token was expressly approved by said regulator more than 3 years ago. https://www.wsj.com/...
2023-02-13 View on X
Wall Street Journal

Binance says the NYDFS ordered Paxos to stop issuing more of its BUSD stablecoin, which has 6.2M holders; Paxos will continue redemptions and cut Binance ties

Firm will continue to manage redemptions of the product  —  New York regulators directed a crypto company to stop issuing …

2023-02-08
The BoE and the UK Treasury say they'll decide whether they will move forward with a ‘digital pound’ as late as 2025. As a main reason in favour of doing it, they argue Big Tech's closed networks can't be allowed to take over the payments system. https://www.ft.com/...
2023-02-08 View on X
CoinDesk

The Bank of England publishes two papers on a new digital pound, seeming to favor centralized databases over a blockchain and limiting to £10K-£20K per person

The Bank of England has set out technical features of its central bank digital currency, which officials have said is likely to be needed.

“Some identification would be needed to prevent financial crime” Do they not fucking know that the word “public” in public money refers to the fact that it should be accessible to the general public? For God's sake, it's not called public because it's issued by a public entity. https://twitter.com/...
2023-02-08 View on X
CoinDesk

The Bank of England publishes two papers on a new digital pound, seeming to favor centralized databases over a blockchain and limiting to £10K-£20K per person

The Bank of England has set out technical features of its central bank digital currency, which officials have said is likely to be needed.

2023-01-24
Again, when every single thing you do is disguised as an error, nothing is actually an error. https://twitter.com/...
2023-01-24 View on X
Bloomberg

Binance acknowledges mistakenly storing collateral for some of its tokens in the same wallet as customer funds; reserves for around 47 coins are in one wallet

Binance Holdings Ltd., the world's largest crypto platform, acknowledged that it mistakenly keeps collateral for some of the tokens …

2023-01-23
Wells Fargo, BofA, JPM and 4 other banks are working on a wallet to rival Apple Pay by allowing shoppers to pay at online checkouts. It will initially allow users to link debit/credit cards, but my guess is that it'll soon offer BNPL and A2A payments. https://www.wsj.com/...
2023-01-23 View on X
Wall Street Journal

Wells Fargo, BofA, JPMorgan, and four other banks are working on a digital wallet, managed by Zelle owner Early Warning Services, rolling out in H2 2023

Financial institutions behind Zelle are working on a wallet for consumers to use at online checkout  —  Big banks are teaming …

2023-01-13
“Nexo's office in Sofia was raided by Bulgarian police on Thursday as part of an investigation into suspected money laundering and tax crimes. More than 300 police officers, prosecutors and national security agents are taking part in the operation.” https://www.bloomberg.com/...
2023-01-13 View on X
Bloomberg

Bulgarian police raided London-based crypto lender Nexo's office in Sofia on January 12, seeking information on suspected money laundering and tax crimes

Bloomberg :

2023-01-12
“Nexo's office in Sofia was raided by Bulgarian police on Thursday as part of an investigation into suspected money laundering and tax crimes. More than 300 police officers, prosecutors and national security agents are taking part in the operation.” https://www.bloomberg.com/...
2023-01-12 View on X
Bloomberg

Bulgarian police say London-based crypto lender Nexo's office in Sofia was raided on Thursday, seeking information on suspected money laundering and tax crimes

Crypto lender Nexo's office in Sofia was raided by Bulgarian police on Thursday as part of an investigation into suspected money laundering and tax crimes.

2022-12-20
So many questions around this deal... - How exactly is the $1 billion price going to be paid for? - How is Binance US going to fund the acquisition? - Has Binance US negotiated a right to pull off the deal? - Why would Binance want/need to buy bankrupt Voyager? https://twitter.com/...
2022-12-20 View on X
Bloomberg

Binance.US plans to acquire Voyager Digital's assets in a deal worth $1.022B, beating other bids and subject to bankruptcy court approval at a January 5 hearing

Claire Boston / Bloomberg :

2022-09-13
It won't be long before they make it mandatory for everyone to get fully KYC'ed during the iPhone's initial setup process. Nice. https://twitter.com/...
2022-09-13 View on X
Fintech Business Weekly

How Apple's Cooperative R&D Agreement on digital IDs with the TSA in March 2019 could disadvantage its rivals in developing mobile identity credentials

Jason Mikula / Fintech Business Weekly :

2022-07-19
Almost half a trillion dollars has been wiped from the valuation of once high-flying Fintech companies that took advantage of the boom in IPOs earlier in the pandemic. https://www.ft.com/...
2022-07-19 View on X
Financial Times

Analysis: the cumulative market cap of recently listed fintechs in the US fell $156B from January 1 through July 15, 2022, as shares fell an average of over 50%

“Instagram users can now buy products from small businesses using Meta Pay within the app's chat function.” https://www.finextra.com/...
2022-07-19 View on X
TechCrunch

Instagram launches a new “payments in chat” feature in the US that lets users buy products with Meta Pay and track orders from small businesses via DMs

Right in Chat Finextra : Instagram adds payments in chat Curioso Mercado : Cripto volta a valer US$ 1 trilhão The Economic Times : Instagram to let shoppers pay for products via DM...

2022-07-04
This is the most desolating piece I've read on Bukele and Bitcoin. “It's pretty obvious to anyone who visits El Salvador [...] that Mr. Bukele is not building a techno-utopia; he's building a run-of-the-mill authoritarian state in a tech disguise.” https://www.nytimes.com/...
2022-07-04 View on X
New York Times

How El Salvador President Nayib Bukele weaponized bitcoin to whitewash his government's growing authoritarianism on the world stage and spread local propaganda

and lining their pockets — at the expense of our rights and livelihoods.” https://www.nytimes.com/... Alex Gladstein / @gladstein : “Bitcoiners aren't supposed to trust government....