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Working on making a positive impact using blockchain.
Articles by Nick
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SoFi pulled $121.6 million in crypto transaction revenue in Q1. It's the cleanest signal yet that bank-chartered fintech crypto integration has real…
SoFi pulled $121.6 million in crypto transaction revenue in Q1. It's the cleanest signal yet that bank-chartered fintech crypto integration has real…
Posted by Nick Todorov
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Without automated mapping from on-chain data to accounting records, your finance team becomes human middleware. This is an architectural failure…
Without automated mapping from on-chain data to accounting records, your finance team becomes human middleware. This is an architectural failure…
Posted by Nick Todorov
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An on-chain transaction that looks something like '0x7f3b...' doesn't have any inherent meaning in a general ledger context. There is no payee name…
An on-chain transaction that looks something like '0x7f3b...' doesn't have any inherent meaning in a general ledger context. There is no payee name…
Posted by Nick Todorov
Experience & Education
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LimeChain - Blockchain & Web3 Solutions
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Honors & Awards
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Forbes 30 Under 30
Forbes
Languages
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English
Full professional proficiency
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Bulgarian
Native or bilingual proficiency
More activity by Nick
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Mastercard is acquiring BVNK for $1.8B because they can't build stablecoin infrastructure fast enough internally. Every mid-market fintech company…
Mastercard is acquiring BVNK for $1.8B because they can't build stablecoin infrastructure fast enough internally. Every mid-market fintech company…
Posted by Nick Todorov
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Germany has issued more CASP licenses under MiCA than any other EU member state. Fast-track procedures and an equivalence regime gave German…
Germany has issued more CASP licenses under MiCA than any other EU member state. Fast-track procedures and an equivalence regime gave German…
Posted by Nick Todorov
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There's a subtle but key shift happening in how consumers interact with financial products. Open banking created the aggregator era. Apps that…
There's a subtle but key shift happening in how consumers interact with financial products. Open banking created the aggregator era. Apps that…
Posted by Nick Todorov
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The FASB requires crypto holdings to be measured at fair value each quarter. That means real P&L volatility, documented valuation policies…
The FASB requires crypto holdings to be measured at fair value each quarter. That means real P&L volatility, documented valuation policies…
Posted by Nick Todorov
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Revolut's stablecoin payments surged ~156% in 2025, empirically proving that when you remove friction, stablecoin adoption follows a power curve. Not…
Revolut's stablecoin payments surged ~156% in 2025, empirically proving that when you remove friction, stablecoin adoption follows a power curve. Not…
Posted by Nick Todorov
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Tether closed Q1 holding roughly $141 billion in US Treasuries, becoming the 17th-largest holder globally, ahead of the UAE, Spain, and Mexico. The…
Tether closed Q1 holding roughly $141 billion in US Treasuries, becoming the 17th-largest holder globally, ahead of the UAE, Spain, and Mexico. The…
Posted by Nick Todorov
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With VISA joining Tempo as a network validator, a leading card network is no longer just transacting on a public blockchain. It's operating one…
With VISA joining Tempo as a network validator, a leading card network is no longer just transacting on a public blockchain. It's operating one…
Posted by Nick Todorov
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Open finance is being framed as the next iteration of open banking: more data types, more APIs, more products. This misses the point. Open finance…
Open finance is being framed as the next iteration of open banking: more data types, more APIs, more products. This misses the point. Open finance…
Shared by Nick Todorov
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The 65-day OCC GENIUS Act NPRM comment period closed on May 1. Stakeholders' responses to 211 distinct questions are now with the OCC, awaiting…
The 65-day OCC GENIUS Act NPRM comment period closed on May 1. Stakeholders' responses to 211 distinct questions are now with the OCC, awaiting…
Posted by Nick Todorov
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If you're building for institutions and your pitch doesn't start with risk reduction and resilience, you're solving the wrong problems.
If you're building for institutions and your pitch doesn't start with risk reduction and resilience, you're solving the wrong problems.
Posted by Nick Todorov
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Wire transfer fees are roughly 80% lower via stablecoin rails versus traditional wire transfers. But while the savings are real, the infrastructure…
Wire transfer fees are roughly 80% lower via stablecoin rails versus traditional wire transfers. But while the savings are real, the infrastructure…
Posted by Nick Todorov
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With UBS, PostFinance, Sygnum, Raiffeisen, ZKB, BCV, and Swiss Stablecoin AG in the CHF stablecoin sandbox launched on April 8, 2026, six of…
With UBS, PostFinance, Sygnum, Raiffeisen, ZKB, BCV, and Swiss Stablecoin AG in the CHF stablecoin sandbox launched on April 8, 2026, six of…
Posted by Nick Todorov
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MiCA requires CASPs to maintain a bank account with an EU-based credit institution. Electronic money institution accounts do not qualify. For…
MiCA requires CASPs to maintain a bank account with an EU-based credit institution. Electronic money institution accounts do not qualify. For…
Posted by Nick Todorov
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At least 11 companies now hold OCC conditional approval. Coinbase, Crypto(dot)com, Bridge, and others. This list didn't exist a year ago, and now…
At least 11 companies now hold OCC conditional approval. Coinbase, Crypto(dot)com, Bridge, and others. This list didn't exist a year ago, and now…
Posted by Nick Todorov
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The FDIC's proposed rulemaking under the GENIUS Act, published April 7, introduces two provisions that every fintech considering stablecoin issuance…
The FDIC's proposed rulemaking under the GENIUS Act, published April 7, introduces two provisions that every fintech considering stablecoin issuance…
Posted by Nick Todorov
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Infrastructure readiness will be the dividing line in European finance over the next 18 months, more than product quality. MiCA, DORA, PSD3, and…
Infrastructure readiness will be the dividing line in European finance over the next 18 months, more than product quality. MiCA, DORA, PSD3, and…
Posted by Nick Todorov
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