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The Nifty Founder
Oliver Buchannon
Yacine Terai

10 years in Blockchain startup business. Launching real estate tokenization platform Propex.app

Open USD

+3

HSBC just got a license to print digital dollars

Jul 14, 2026

•

3 min read

HSBC just got a license to print digital dollars

Last week, a bank got a license to issue a token. Not a bank account. Not a wire. A stablecoin — a digital dollar that lives on a blockchain and moves like an email. Banks are quietly agreeing and landing on the same infrastructure.

Yacine Terai
Yacine Terai

RWA

+6

What Is Open USD? The 140-Company Stablecoin Explained

Jul 4, 2026

•

7 min read

What Is Open USD? The 140-Company Stablecoin Explained

Visa, Stripe, Mastercard, BlackRock and 140+ firms launched Open USD to rival Circle and Tether. Here's how it works, and who the real fight is over.

Yacine Terai
Yacine Terai

Propex

+3

Why I Built Propex as Infrastructure for Operators Instead of My Own Tokenization Marketplace

Jun 20, 2026

•

4 min read

Why I Built Propex as Infrastructure for Operators Instead of My Own Tokenization Marketplace

The most expensive mistake I almost made building Propex was trying to be the store and the infrastructure at once. Here's why I picked the rail that distributes real yield.

Yacine Terai
Yacine Terai

RWA

+5

Citi Tokenized Private Shares — What You'd Own

Jun 16, 2026

•

4 min read

Citi Tokenized Private Shares — What You'd Own

Citi launched tokenized private-company shares for wealthy clients on June 11. Here's how a Digital Depositary Receipt works — and what you'd actually own.

Yacine Terai
Yacine Terai

Crypto

+3

The CLARITY Act Explainer: How the US Is Quietly Writing Stablecoins Into Law — and the Opportunity That Creates

Jun 10, 2026

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5 min read

The CLARITY Act Explainer: How the US Is Quietly Writing Stablecoins Into Law — and the Opportunity That Creates

I run most of my business on a stablecoin account now. So when a US bill started quietly deciding who gets paid on a stablecoin dollar, it had my full attention. This week I'm breaking down the CLARITY Act: what it actually does, where the value moves, and why it matters wherever you build from.

Yacine Terai
Yacine Terai

Crypto

+2

I Built 7 AI Skills That Turn Your AI Into a Crypto-Savvy Practitioner — They're Live Today

Jun 8, 2026

•

4 min read

I Built 7 AI Skills That Turn Your AI Into a Crypto-Savvy Practitioner — They're Live Today

I just launched my first online store to share my knowledge and help founders mastering the new financial rails: stablecoins, tokenization and on-chain finance. And because we are in the age of AI, I've got the best way for you to implement it: Skills!

Yacine Terai
Yacine Terai

RWA

+3

How Tokenizing an Asset Actually Works — The Full Lifecycle, Step by Step

Jun 3, 2026

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4 min read

How Tokenizing an Asset Actually Works — The Full Lifecycle, Step by Step

Tokenization just crossed $34B. Here's the full lifecycle of tokenizing a real asset, step by step — and why the blockchain is the easy part.

Yacine Terai
Yacine Terai

RWA

+3

What Founders Get Wrong When They Tokenize a Project to Raise Capital

May 30, 2026

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4 min read

What Founders Get Wrong When They Tokenize a Project to Raise Capital

A property developer asked me how to "tokenize". They meant two different things. The founder discipline that separates a sale from a raise.

Yacine Terai
Yacine Terai

RWA

+3

Tokenization just passed $34 billion — here's what's actually in it

May 25, 2026

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2 min read

Tokenization just passed $34 billion — here's what's actually in it

This week a16z published a report on the state of asset tokenization, told through seven charts. The headline: the market for tokenized real-world assets has crossed $34 billion, up from under $3 billion. We basically 10xed in 2 years and going much higher from here. Let’s dive in.

Yacine Terai
Yacine Terai

RWA

+3

SEC Reg Crypto — The $5M Side Door for Token Founders

May 19, 2026

•

6 min read

SEC Reg Crypto — The $5M Side Door for Token Founders

It's not the Orange itself, it is the promise around it... Chairman Atkins shakes Howey's 100+ years old Orange tree, and it was time. Here's what the Startup Exemption, the Fundraising Exemption, the new Howey Test reinterpretation means for founders. Exciting time ahead.

Yacine Terai
Yacine Terai

RWA

+2

Are Your Kids Going To Inherit Your Spotify Password?

May 16, 2026

•

5 min read

Are Your Kids Going To Inherit Your Spotify Password?

Crypto adoption has no marketing department. It is happening anyway, slowly, bottom-up, in every corridor where the old rails refused to carry value. Here is the part that does not get printed.

Yacine Terai
Yacine Terai

Ownership

+3

The Bank Closes Your Account. Tether Hands You a Wallet.

May 12, 2026

•

4 min read

The Bank Closes Your Account. Tether Hands You a Wallet.

Three founders. Three banks. Same panic. Why every founder needs a multi-entity, multi-bank, multi-rail sovereignty stack in 2026.

Yacine Terai
Yacine Terai

Startup

+2

SEC Innovation Exemption — What It Actually Does for Founders

May 9, 2026

•

4 min read

SEC Innovation Exemption — What It Actually Does for Founders

Atkins signaled the Innovation Exemption for tokenized securities. Here's what it covers, what it doesn't, and what founders building today should do.

Yacine Terai
Yacine Terai

Tokenized Funds

+3

It took 5 years to recover my wife's shares. Securitize just made that a relic.

May 5, 2026

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3 min read

It took 5 years to recover my wife's shares. Securitize just made that a relic.

Last week Gibraltar opened $80T in fund AUM. This week Computershare and Securitize opened $70T in US stocks. The trad rails are crossing into tokenization — and here's what Propex is building on the other side of the same wave.

Yacine Terai
Yacine Terai

RWA

+4

Gibraltar just legalized tokenized fund shares. I've seen this movie before.

May 2, 2026

•

5 min read

Gibraltar just legalized tokenized fund shares. I've seen this movie before.

A small jurisdiction shipped clearer rules than the SEC, MiCA, and MAS combined. Here's why fund tokenization is the killer RWA use case nobody's talking about.

Yacine Terai
Yacine Terai

Startup

+3

The Quiet Banking Reset That Should Reshape How You Structure in 2026

Apr 27, 2026

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4 min read

The Quiet Banking Reset That Should Reshape How You Structure in 2026

The GENIUS Act, OCC charters, and the new BIS warning just changed what "having a bank account" means for founders. Here's the setup I'd run.

Yacine Terai
Yacine Terai

Tokenization

+2

I disappeared for 2 years. Here's what I was building.

Apr 20, 2026

•

2 min read

I disappeared for 2 years. Here's what I was building.

Everything I was writing about separately now lives under one roof. Here's what changed and what's coming.

Yacine Terai
Yacine Terai

Startup

+4

The Founder's Banking Playbook: Which Account Opens Where (and Which Won't)

Apr 20, 2026

•

11 min read

The Founder's Banking Playbook: Which Account Opens Where (and Which Won't)

How to build a multi-account, dual-finance stack — fiat and USDC — for your holding company and global operations. Written for non-US founders who need accounts that actually work.

Yacine Terai
Yacine Terai

RWA

+3

You Don't Own What You Think You Own

Apr 19, 2026

•

4 min read

You Don't Own What You Think You Own

Nominee structures, custodial accounts, platform lock-in. The ownership illusion is everywhere.

Yacine Terai
Yacine Terai

Startup

+2

The LLC Is the Most Powerful Legal Tool Most Founders Ignore

Apr 19, 2026

•

4 min read

The LLC Is the Most Powerful Legal Tool Most Founders Ignore

I'm sitting in my villa in Berawa Beach, coffee in hand, and I just finished a call with a founder in Spain who's been running his business as a sole proprietor for three years. Three years. No liability protection, no tax optimization, no asset separation. When I asked him why, he said: "I thought LLCs were just for small businesses."

Yacine Terai
Yacine Terai

Startup

+3

I disappeared for 2 years. Here's what I was building.

Apr 17, 2026

•

2 min read

I disappeared for 2 years. Here's what I was building.

Everything I was writing about separately now lives under one roof. Here's what changed and what's coming.

Yacine Terai
Yacine Terai

PT PMA

+3

Set up 3 companies across 3 countries. Here's what nobody told me.

Apr 15, 2026

•

8 min read

Set up 3 companies across 3 countries. Here's what nobody told me.

The $12,000 lesson that turned into a business — and why I'm writing this newsletter.

Yacine Terai
Yacine Terai

The Nifty Founder

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