Author
Jay, Founder, SpendTheBits
Jay builds SpendTheBits, a fully non-custodial stablecoin wallet, and runs its infrastructure, support and treasury operations solo. Every figure in these pieces is either measured in production or cited to a primary source.
Writes about
Articles
· Agents
What is x402? The x402 protocol for AI agent payments
· Yield
What is FXRP? XRP on Flare through FAssets
· Payments
What is Arc? The Arc blockchain Circle built for USDC
· Treasury
Stablecoin payroll on Arc: streams without a payday
· Safety
Prompt injection and crypto AI assistants
· Yield
stXRP Staking on Firelight: Earn Points and Prepare for Coverage Yields
· Payments
Buying gift cards with USDC: how it works and what to watch
· Payments
Lightning Address in a Self-Custody Wallet: Getting Paid While Your Phone Is Off
· Payments
Gasless USDC Transfers: How Paymasters Work and Who Pays
· Treasury
FIFO vs HIFO for Crypto Taxes: A Worked Founder Example
· Recovery
Crypto Inheritance: Social Recovery vs a Hardware Wallet for Your Family
· Safety
Native vs Bridged USDC: Why CCTP Changes the Risk
· Payments
Money Streams: Programmable Per-Second Crypto Payroll
· Treasury
DeFi Circuit Breaker: Treasury Auto-Defense Explained
· Payments
RLUSD vs USDC on the XRP Ledger: Trust Lines Explained
· Payments
Lightning vs On-Chain Bitcoin for Payments Under $50
· Agents
x402 Payments in Production: What It Costs to Get Paid by an AI Agent
· Safety
Exchange Collapse: What Actually Happens to Your Crypto
· Yield
Aave vs Morpho for USDC Yield: How to Read Vault Risk
· Safety
Is USDC Safe to Hold in 2026? Reserves, Law and the Depeg Record