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.
BAPARA: agentic commerce built on x402
How we extended x402 with budget metadata and AP2 compatibility.
The revenue side of the creator economy
RPM benchmarks, tax vaults and why the platform payout is only the beginning.
Designing a card that lives on four chains
From surface finish to chip firmware — the physical object that is xo.