Brian Doyle 🌊

we fucked up. we built apps with the world’s most-loved brands. protocols with millions of users onboarded and billions in volume. but our mistake was simple: not enough of the value flowed to the believers who made it possible. we’re fixing that now. not only have we started updating the economics of our core products, we are also building a new slate of products and protocols with value creation at their core. the moment we need is finally here. $300 billion in stablecoins. $30 billion in tokenized real-world assets. trillions more on the way. the infrastructure and liquidity exist. what doesn't are the right products. defi today is hostile. it demands technical mastery just to survive: slippage, mev, liquidation cascades. the list goes on. every interface is built by experts, for experts. everyone else is forced to stay on the sidelines. that's the gap we're filling. we've proven we can bring the benefits of crypto to mainstream users without asking them to become technical experts first. we've proven we make complex technology feel simple. now we’re applying it to the biggest market: money. @dapperlabs and @Flow_Blockchain are democratizing consumer defi. today, three big moves: first is a new open-source protocol being developed by Flow Foundation: Flow Credit Markets (FCM), a lending protocol that protects you instead of punishing you. traditional defi lending is punishing: it waits until you're underwater, then liquidates you and charges a penalty. FCM is active. it uses the native onchain automation on Flow to monitor every position continuously and rebalance automatically before the position is at risk of liquidation. so far backtesting against every major crash since 2020 see 100% survival rate and 99.9% cost reduction versus lending protocols on other networks. second is a product built on top of the foundation of FCM. peak money: the finance app for a generation that has stopped believing in banks. our generation watched the traditional path to wealth become mathematically out of reach. so we stopped playing by the old rules. turned investing into culture. bet on elections like sports, traded athletes like stocks, turned every opinion into a market. peak money is built to level the playing field. to give everyone access to the same opportunities available to crypto experts and soon, with the tokenization of the entire global finance markets, those used by hedge funds and billionaires too. banks make money from you. peak makes money for you. the product starts simple: deposit cash or crypto. earn more than any bank will pay you. earn and spend without selling. no minimums. no gatekeepers. no seed phrases. no liquidation fear. watch this space: @peakmoney_ last but not least: $FLOW tokenomics. liquidity moves freely between chains. the apps people use every day don't. we believe the most valuable cryptocurrency will be the native token of the network powering products people can't live without. for that to happen, the native token must align the people who build with the people who believe. for years, Flow subsidized growth with near-zero fees. that made sense when the priority was experimentation. now the priority is economic alignment. dapper labs supports FLIP-351 proposed by Flow Foundation, updating transaction fees on Flow to dramatically reduce token inflation and ultimately become deflationary at just 250 tps - all while remaining the lowest-cost network compared to its peers every transaction burns tokens. network activity creates scarcity. scarcity compounds value. believers benefit. infrastructure + application + economics. aligned at last.