A dying banker spent his final months studying crypto and discovered the one technology to change finance forever.
What he found made him QUIT his Wall Street career and raise $58M.
Here's what made him bet everything on this breakthrough:
What he found made him QUIT his Wall Street career and raise $58M.
Here's what made him bet everything on this breakthrough:
The revelation came during chemotherapy in 2020.
@LucaProsperi studied 15 years of traditional finance - investment banking, hedge funds, private equity.
He knew money transmission intimately.
But DeFi showed him something that shattered everything: "The first real attempt to recreate the checks and balances of our financial system from the ground up."
@LucaProsperi studied 15 years of traditional finance - investment banking, hedge funds, private equity.
He knew money transmission intimately.
But DeFi showed him something that shattered everything: "The first real attempt to recreate the checks and balances of our financial system from the ground up."
The numbers that broke his worldview:
@Tether_to: More profitable than Goldman Sachs.
@Circle: Bleeding 90% of yield to distribution partners through paper contracts.
Both single points of failure controlling $150B+ with medieval infrastructure.
"This doesn't exist in history - 70% market control with 100% margins"
@Tether_to: More profitable than Goldman Sachs.
@Circle: Bleeding 90% of yield to distribution partners through paper contracts.
Both single points of failure controlling $150B+ with medieval infrastructure.
"This doesn't exist in history - 70% market control with 100% margins"
But everyone was solving the wrong problem.
While competitors fought for stablecoin market share, Luca saw the real issue: "Stablecoins aren't payment tools - they're technology platforms."
The future wasn't another branded token. It was programmable money infrastructure.
While competitors fought for stablecoin market share, Luca saw the real issue: "Stablecoins aren't payment tools - they're technology platforms."
The future wasn't another branded token. It was programmable money infrastructure.
The technical breakthrough he architected:
Instead of monolithic stablecoins, M0 separates the value layer from the behavior layer.
Minters: Manage collateral and supply.
Validators: Audit reserves independently.
Builders: Create custom experiences on top.
Like separating internet protocol from web applications.
Instead of monolithic stablecoins, M0 separates the value layer from the behavior layer.
Minters: Manage collateral and supply.
Validators: Audit reserves independently.
Builders: Create custom experiences on top.
Like separating internet protocol from web applications.
The infrastructure play that changes everything:
Traditional model: One issuer → One stablecoin → Fragmented liquidity
M0 model: Multiple issuers → Unified liquidity layer → Infinite customization
"We're not building another stablecoin. We're building the AWS of digital dollars."
Traditional model: One issuer → One stablecoin → Fragmented liquidity
M0 model: Multiple issuers → Unified liquidity layer → Infinite customization
"We're not building another stablecoin. We're building the AWS of digital dollars."
How the technical architecture actually works:
Approved Minters post $102M in Treasury bills to mint $100M in M tokens.
Independent Validators provide daily on-chain attestation of reserves.
Builders wrap M tokens into custom extensions with programmable features.
Over-collateralized, bankruptcy-remote, and fully transparent.
Approved Minters post $102M in Treasury bills to mint $100M in M tokens.
Independent Validators provide daily on-chain attestation of reserves.
Builders wrap M tokens into custom extensions with programmable features.
Over-collateralized, bankruptcy-remote, and fully transparent.
The yield revolution that breaks traditional models:
Circle sends monthly checks to big partners only
M0 streams yield on-chain instantaneously to any builder
"Any protocol holding hundreds of millions in USDC gets nothing. With M0, they earn from day one through code, not contracts."
Circle sends monthly checks to big partners only
M0 streams yield on-chain instantaneously to any builder
"Any protocol holding hundreds of millions in USDC gets nothing. With M0, they earn from day one through code, not contracts."
Early adoption proving the thesis:
@noble_xyz: Built canonical Cosmos stablecoin on M0 rails.
@KASTcard: Crypto credit cards powered by M0 infrastructure.
@usualmoney: DeFi protocol capturing treasury rates through M0 extensions.
$270M minted in 6 months without advertising.
@noble_xyz: Built canonical Cosmos stablecoin on M0 rails.
@KASTcard: Crypto credit cards powered by M0 infrastructure.
@usualmoney: DeFi protocol capturing treasury rates through M0 extensions.
$270M minted in 6 months without advertising.
The regulatory unlock that makes this inevitable:
Under Genius Act, M0 stablecoins become SAFER than bank deposits by law:
- Bankruptcy-remote reserves vs fractional banking risk
- Daily transparency vs quarterly opacity
- Super-seniority in bankruptcy proceedings
"Stable coins will be safer than bank deposits. We never expected to be here two years ago."
Under Genius Act, M0 stablecoins become SAFER than bank deposits by law:
- Bankruptcy-remote reserves vs fractional banking risk
- Daily transparency vs quarterly opacity
- Super-seniority in bankruptcy proceedings
"Stable coins will be safer than bank deposits. We never expected to be here two years ago."
Why traditional finance can't compete:
"We don't want to onboard JPMorgan. We want to help build the next JPMorgan."
Just like Stripe grew with Uber and Airbnb from startup to giant, M0 grows with Noble and Hyperliquid from protocols to powerhouses.
Infrastructure scales. Applications innovate.
"We don't want to onboard JPMorgan. We want to help build the next JPMorgan."
Just like Stripe grew with Uber and Airbnb from startup to giant, M0 grows with Noble and Hyperliquid from protocols to powerhouses.
Infrastructure scales. Applications innovate.
The cross-chain infrastructure making this possible:
@M0 deploys natively across Ethereum, Solana, Cosmos, and Sui through advanced bridging protocols.
@ValenceZone architects trust-minimized cross-chain infrastructure.
Together, Valence and M0 could create seamless multi-chain deployment.
No wrapped tokens. No liquidity fragmentation. True omnichain programmable money.
@M0 deploys natively across Ethereum, Solana, Cosmos, and Sui through advanced bridging protocols.
@ValenceZone architects trust-minimized cross-chain infrastructure.
Together, Valence and M0 could create seamless multi-chain deployment.
No wrapped tokens. No liquidity fragmentation. True omnichain programmable money.
@ValenceZone is architecting the next generation of trust-minimized cross-chain protocols.
Are you interested in learning how Valence can support your cross-chain deployment?
Book a call here:
calendly.com/maxtimewave/15…
Are you interested in learning how Valence can support your cross-chain deployment?
Book a call here:
calendly.com/maxtimewave/15…
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