01Blog
Signals from xobank.
Occasional writing on the future of money, protocols and product.
2026-07-14Manifesto2026-06-30Protocol2026-05-20Creators2026-04-08Design
Banking after banks
Why we built xobank as a routing engine instead of a bank.
6 min read · Read →
BAPARA: agentic commerce built on x402
How we extended x402 with budget metadata and AP2 compatibility.
8 min read · Read →
The revenue side of the creator economy
RPM benchmarks, tax vaults and why the platform payout is only the beginning.
7 min read · Read →
Designing a card that lives on four chains
From surface finish to chip firmware — the physical object that is xo.
5 min read · Read →
Posts are published in English.