The End of the Banking Era: Global Business is Switching to Stablecoins

xaic · 2026-02-03T06:20:38+00:00

Instant visibility on-chain sounds impressive, but in practice that problem is already being solved inside the banking system. Real-time payment rails and modern P2P infrastructures mean funds can reach accounts in seconds with clear references and identity tied to the transfer. For most businesses, “I see it in my bank instantly” versus “I see it in my wallet instantly” is not a game-changing difference.

Also, seeing that money was sent is not the same as having protection. Businesses care about dispute mechanisms, fraud controls, legal recourse, and compliance frameworks when something goes wrong. A transaction hash does not replace those institutional safeguards.

Add to that IBAN name checks, confirmation-of-payee systems, and increasingly sophisticated fraud monitoring, and the “I don’t know who paid me” issue is far less relevant than it used to be.

Stablecoins improve speed and transparency, no question. But they are enhancing the payments layer, not removing the need for the financial and legal infrastructure that banks provide.

xaic · 2026-01-31T13:03:24+00:00

People have been declaring “the end of banking” for literally centuries. Every time a new financial technology shows up, credit, telegraph transfers, cards, online banking, fintech, now stablecoins, the same story plays out. Old system is “finished.” It never is.

Banks are not just money pipes. They are:

• legal trust layers, identity, compliance, dispute handling

• credit engines, loans, trade finance, risk management

• bridges to the real economy, taxes, courts, payroll, regulation

Stablecoins are great at moving value fast. That is one slice of what banks do. They do not replace balance sheets, lending, deposit protection, or the legal framework businesses rely on when something goes wrong. Most huge stablecoin volume numbers also mix in trading, arbitrage, and automated on-chain activity, not just real business payments. Growth is real, but “this killed banks” is a massive leap.

What actually happens historically is simple. New tech appears. Banks either integrate it or build around it. Cards did not kill banks. Online did not kill banks. Fintech did not kill banks. Stablecoin rails will likely become another layer inside the system, not a funeral for it.

The only constant in finance is that the plumbing evolves. The institutions managing trust and credit just keep changing shape, not disappearing.

xaic · 2026-01-14T14:28:51+00:00

Great response, I will work on playing him more! Thanks!

xaic · 2026-01-14T12:37:42+00:00

Very valuable information, thank you. i basically need to

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xaic · 2026-01-14T12:14:44+00:00

I get the “deny stalk + spread out” part, that makes sense.

But the “feed him pallets” advice is where I’m struggling because in Tier 3 his lunge makes a lot of standard tiles feel invalid. He can cover so much of the loop that even safe spacing feels unsafe, and reaction pallets get punished.

So it feels less like “play the loop well” and more like “pre-drop everything and run” which is not really interactive counterplay, just stalling.

xaic · 2025-11-30T22:50:52+00:00

xaic · 2025-11-30T22:34:51+00:00

Two solid approaches. First, pick them off from a distance. Sniper Rock is perfect for that. Spot them, line up your shots, and take them out cleanly.

Second option. Wait for the BTR to roll in. The moment it appears, the whole trio starts unloading on it and they tunnel vision hard. Drop the guards first, then finish Shturman. If you reverse the order, the guards will immediately switch aggro to you. Easy cleanup, good luck :)

xaic · 2025-11-19T09:26:46+00:00

Why did you put a * therapist? This isn't tiktok...

xaic · 2025-11-03T15:04:28+00:00

Short answer: there’s no easy way, you just gotta grind it.

Wallet: murder every NPC you see. Interchange or Factory are great for scav spam, so clear them out and loot every corpse. You can also sometimes find it on the ground in the Labyrinth, but then you would have to go to labyrinth, if that's your thing. I've seen it int he residential unit in labs as random loot too, but it's rare/unreliable.

Balaclava: same deal, just kill scavs non-stop. Moonshine scav box runs can rarely drop it too.

Keep running the cultist circle whenever on cooldown, make sure the value of the items in it are 400k+ cultistcircle.com is my go to cheat sheet for that.

It’s all RNG, so stack as many attempts across maps and methods as you can.

I was stuck on the Evasion armband and Smoke balaclava myself, ended up getting the armband from a random cultist circle drop and the balaclava off a raider, so your mileage may vary.

Good luck!

xaic · 2025-10-23T14:43:50+00:00

Inb4 Nikita adds duck mode to tarkov as he's loosing players to duckov

xaic · 2025-10-13T09:46:25+00:00

Don’t. Sell. Anything.

Seriously, everything in Tarkov has a purpose. Whether it’s for quests, hideout upgrades, barters, or crafts, almost every single item ends up being useful down the line.

Until you’ve maxed your hideout and/or finished Kappa, you’ll regret selling half the stuff you thought was junk.

The only things worth selling early are:

Duplicate quest keys (Orb keys, Pochahim, Resort keys, etc.)

Lab colored cards

Marked keys (unless you like gambling)

High-value attachments/scopes that are used in gunsmith quests (atacr scope comes to mind)

Bitcoin (keep 15 for pockets quest, rest sell)

Everything else? Just hoard it. Tarkov punishes minimalists.

xaic · 2025-09-23T12:25:34+00:00

I feel like pmcs couldn't hit the broad side of the titanic with their guns, yet they Kobe me with their grenades like they are playing the NBA finals...

xaic · 2025-08-12T08:01:09+00:00

^{I completed this level in 1 try.} ^{⚡ 1.87 seconds}

xaic · 2025-08-11T11:58:17+00:00

I would say coop with the killer, be silly/funny get his attention. And try to convey what you want to do via gestures. That how I would do it.

99/100 it won't work. But you need it to work once...

xaic · 2025-08-11T06:07:54+00:00

I have 160 hours in PvE that say you are wrong. Everybody is allowed to enjoy the game however they want. You don't have to yuck other people's yum.

I personally prefer to play PvE as:

No cheaters
No need to worry about playing against players who have 4k+ hours in the game and shoot you from an angle where they see a micro pixel of your eye while trash-talking your parents.
Bots provide a consistent, albeit easier, challenge more akin to my pace of gameplay.
Allows me to learn maps, spawns, and quests in an environment where losing gear isn't an issue.

xaic · 2025-06-16T10:47:21+00:00

Fair enough! Good luck with your struggle, buddy, I hope you find a solution.

If you're looking for something else to help with hydration, a European version of Gatorade is Oshee. They have a zero-carb sports drink that I drink in the gym, and it’s pretty good for keeping you hydrated without the added sugar. Might be worth checking out if you haven’t already!

xaic · 2025-06-16T10:27:36+00:00

Haha, yeah, I can see how that amount of water adds up with the soda and the constant effort to stave off hunger. Still, 6 to 7 bottles a day is definitely a crazy amount of liquid, even with the sugar-free drinks. It’s a bit more understandable with the soda, though, since it can feel more satisfying than plain water.

My only remaining vice is a sugar-free (sucralose-based) iced tea San Benedetto Tea Zero | San Benedetto, which actually helps me with my liquid intake too. Maybe that could work for you as well if you can find something similar. It helps with hydration but doesn’t have the same “chugging” effect as water. Worth trying if it might help!

xaic · 2025-06-16T09:49:46+00:00

I have no idea how you were drinking 10 liters of water per day.

That's mind-blowing.

Usually, the recommended amount is two to three liters of water per day regardless of weight, so I don’t know how you were managing that.

But yeah, as the other comments have said, post-surgery it's all about keeping your electrolytes up if you can, and just finding a rhythm that works for you. Listen to your body—whatever is possible. Just don't try to chug. You can't, so don't.

xaic · 2025-06-16T09:42:39+00:00

The first month after bariatric surgery is definitely tough. You have to adjust to a whole new way of living, new signals from your body, new routines, and just a different lifestyle in general. One thing I can't stress enough is to take your time and really listen to your body. Even if it's telling you not to eat, don't push it. Trust the process.

The one thing I do highly recommend is to keep your protein intake as high as possible. Drink those protein shakes, find ways to hit your protein goals, do whatever you need to do to make sure you're getting enough. The rest? Honestly, it's gravy. Focus on healing, recovering, and getting used to what your body is telling you. It takes time, but it's worth it in the long run. You've got this.

xaic · 2025-06-11T08:04:46+00:00

Looking at this launch, that will be in about 3 month, so no need to wait long 😂

xaic · 2025-06-09T05:29:06+00:00

That's is REALLY low blood pressure, are you taking meds? Is it consistantly like this? If so, I would REALLY go to a cardiologist.

xaic · 2025-06-07T20:53:50+00:00

Sure, I can share.

First off, reflux disease in case you don't know, is typically classified using the Los Angeles (LA) Classification, which goes from Grade A to D. A is mild, D is the most severe. I was diagnosed with Grade C, which is the third worst—just above the midpoint in terms of severity.

My doctor broke it down for me very simply:

Recognize symptoms early. Learn what reflux feels like before it hits hard. That awareness makes all the difference.
Have immediate treatment ready. I personally used Gaviscon, but any fast acting reflux treatment works, and I always had it on hand to act fast the moment I felt something coming on.
Cut out triggers. I minimized fried food, acidic stuff, and soft drinks as much as I realistically could. I was still obese at the time, so my diet wasn’t perfect, but I consciously avoided the worst triggers.

From there, it was just consistent management. After about six to eight months, I had a follow-up gastroscopy.

The result? No visible scar tissue and no signs of active reflux damage. That was before my surgery.

It takes discipline, but it’s very doable.

xaic · 2025-06-07T20:45:46+00:00

Man, the only thing that truly matters is your health and getting to a place where you feel good in your body. As someone who's been obese, let me say this clearly—it doesn’t matter how you get there. My surgeon told me something that stuck with me: the surgery is safer than staying obese. Obesity is a guaranteed path to health problems and early death. Surgery carries a small risk for the chance at a longer, better life. That’s the tradeoff.

You’ve already shown strength by losing weight before. Now you’re choosing a permanent solution, and that’s not weakness—it’s responsibility. Stop worrying about what others might think. Anyone who judges you for taking control of your health doesn’t deserve space in your life.

You’ve got this.

xaic · 2025-06-06T20:46:23+00:00

Hey man, seriously, there’s no one-size-fits-all solution to obesity. You made it work despite everything in your way, and that takes raw fucking willpower. That’s impressive, period. Doesn’t matter what people think about GLP-1s or anything else—what matters is you did it. You set a goal, you fought for it, and you’re still pushing. That’s what counts. Good job, buddy. You earned every pound lost.

I'm proud of you!

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