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The Nifty Founder
Yacine Terai
Yacine Terai

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

Company formation

+4

The Merge

Oct 19, 2026

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3 min read

The Merge

Kraken's parent waited five and a half years for a Fed account, then agreed to buy a European bank. The same month, Japan's SBI finished buying an exchange. The two systems are becoming one.

Yacine Terai
Yacine Terai
Kazakhstan's Ambitions To Become a Leader in The Digital Economy

Oct 12, 2026

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3 min read

Kazakhstan's Ambitions To Become a Leader in The Digital Economy

Kazakhstan gave a new city its own law, then sat its central bank down with Tether, the company behind the world's largest stablecoin. Here is what you need to know.

Yacine Terai
Yacine Terai

RWA

+5

Why I Am Not Going to Token2049 Singapore

Oct 5, 2026

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3 min read

Why I Am Not Going to Token2049 Singapore

TOKEN2049 opens in Singapore on Wednesday. More than 25,000 people, 4,000 companies, two days at Marina Bay Sands. I am not going, and the reason is this week's issue.

Yacine Terai
Yacine Terai

AI

+5

"One of the most important innovations is the tokenization of real‐world assets" said CFTC Chairman, Michael S. Selig.

Sep 28, 2026

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3 min read

"One of the most important innovations is the tokenization of real‐world assets" said CFTC Chairman, Michael S. Selig.

The CFTC chairman told the people who run the largest markets on Earth to prepare for mass tokenization and 24/7 trading. Exciting times! Here is what that means for you.

Yacine Terai
Yacine Terai

Clarity Act

+7

Washington Just Wrote the Rules for Companies Born on the Internet

Sep 21, 2026

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4 min read

Washington Just Wrote the Rules for Companies Born on the Internet

Two SEC moves in thirty days. One is about tokens, one is about stocks. Both are about the same thing: where your company lives.

Yacine Terai
Yacine Terai

RWA

+4

Do you know what you actually own?

Sep 14, 2026

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3 min read

Do you know what you actually own?

A cinema chain found its shares trading through a door it never built. The buyers don't know what they're holding either. People trust the system until the system breaks, and then they discover they own nothing. Let's deep dive and find out more about stocks ownership.

Yacine Terai
Yacine Terai

Startup

+7

Why Your Dentist Will Be On Chain (And Won't Call It Blockchain)

Sep 10, 2026

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3 min read

Why Your Dentist Will Be On Chain (And Won't Call It Blockchain)

Your dentist won't "adopt blockchain," the same way they never "adopted TCP/IP or HTTP". They will simply be using the best infrastructure where value and ownership will be moving and the good news is, that they won't even need to know anything about it.

Yacine Terai
Yacine Terai

RWA

+5

Must Read: Indonesia's Government Plan About Going On-Chain And How They Want to Turn Bali Into a Tax Heaven. Full Breakdown.

Aug 31, 2026

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8 min read

Must Read: Indonesia's Government Plan About Going On-Chain And How They Want to Turn Bali Into a Tax Heaven. Full Breakdown.

I am breaking down the presentations the government has displayed about their plan to put Indonesia on-chain and turn Bali into the DIFC of South East Asia. Pictures and full breakdown.

Yacine Terai
Yacine Terai

RWA

+9

Soon Raise $5M With a Whitepaper and Our New App Atomise.fun...

Aug 20, 2026

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3 min read

Soon Raise $5M With a Whitepaper and Our New App Atomise.fun...

Two lanes: $5M with a whitepaper, $75M with real reporting. The 80-year-old rule is finally giving way — and here's what we're building because of it (read until the end!)

Yacine Terai
Yacine Terai

Crypto

+3

The Senate Hit Snooze on the Clarity Act. And I am Disappointed...

Aug 11, 2026

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3 min read

The Senate Hit Snooze on the Clarity Act. And I am Disappointed...

The CLARITY Act vote got pushed to September. Here's why this bill was never just about crypto — and why the delay changes less than you think.

Yacine Terai
Yacine Terai

RWA

+7

Liquidity Is Water, My Friend

Aug 3, 2026

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4 min read

Liquidity Is Water, My Friend

What I told a room full of Web3 enthusiasts about RWAs — live from the Ultra Web3 Festival panel. Now, I am back at my desk and sending you this latest post to share my feelings, feedbacks and conversations with the people who are participating in the building of our industry regardless of the market trend.

Yacine Terai
Yacine Terai

Stocks

+4

Tokenized Stocks Hit a $2.3 Billion Record — and You Can Now Trade Stocks With Just a Wallet

Aug 1, 2026

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3 min read

Tokenized Stocks Hit a $2.3 Billion Record — and You Can Now Trade Stocks With Just a Wallet

Something happened to the stock market in July, and most people missed it. Tokenized stocks — regular stocks living on a blockchain — hit a record $2.3 billion in value, double where they were in March. The number of people holding them jumped 92% in thirty days, to about 752,000 wallets. And for the first time ever, you could trade the price of Tesla or Nvidia around the clock with nothing but a crypto wallet. No brokerage account. No paperwork. No ID check. Here's what happened, in plain English, and what do you actually own when you hold one of these things?

Yacine Terai
Yacine Terai

Open USD

+3

HSBC just got a license to print digital dollars

Jul 14, 2026

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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

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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

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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

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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

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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

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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

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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

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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

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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
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The Nifty Founder

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