{
  "schema_version": 1,
  "id": "1970503796129440098",
  "url": "https://x.com/ycombinator/status/1970503796129440098",
  "generated_at": "2026-10-15T09:54:53.795504+00:00",
  "used_by": [],
  "post": {
    "id": "1970503796129440098",
    "url": "https://x.com/ycombinator/status/1970503796129440098",
    "author": "ycombinator",
    "author_name": "Y Combinator",
    "published_at": "Tue Sep 23 15:01:29 +0000 2025",
    "text": "We are entering the era of Fintech 3.0.\n\nRegulatory clarity, growing consumer adoption, and low-cost chains have paved the way for a golden age of building in crypto — and at YC, @base and @coinbase we want to fund builders to seize this moment. \n\n@harjtaggar and @jessepollak sat down to discuss what kinds of companies they're most excited to see, why this is such an exciting time, and what the future could look like onchain.\n\n00:00 – The Golden Age of Crypto\n02:00 – Jesse’s Path to Coinbase & Base\n04:00 – From Fintech 1.0 to Fintech 3.0\n07:00 – Why Lowering Costs Changes Everything\n10:00 – L1 vs. L2, Simply Explained\n13:00 – How to Build Your First Crypto App\n16:00 – Regulation: Bottleneck or Unlock?\n19:00 – Stablecoins as the Killer Use Case\n23:00 – Beyond the Dollar: Local Stablecoins\n27:00 – Tokenization of Assets\n31:00 – New Asset Classes & the Creator Economy\n35:00 – What Coinbase Looks for in Founders\n39:00 – The Future of Crypto in 10 Years",
    "article": {},
    "children": [],
    "image_urls": [
      "https://pbs.twimg.com/amplify_video_thumb/1970342514814271488/img/TCyz2Z-rzMyMDULT.jpg",
      "https://pbs.twimg.com/profile_images/1623777064821358592/9CApQWXe_200x200.png"
    ],
    "has_video": true,
    "video_urls": [
      "https://video.twimg.com/amplify_video/1970342514814271488/pl/zyQiucGv0fTQVste.m3u8?tag=21&v=829",
      "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1280x720/OtPxJwk9Q3okAPEu.mp4?tag=21",
      "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1920x1080/2j4DBIwFrOZssq1k.mp4?tag=21",
      "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/480x270/_Ccb8bk6J8cR7Hla.mp4?tag=21",
      "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/640x360/HKaqgSrceyuyYEkf.mp4?tag=21"
    ],
    "text_status": "captured",
    "provider": "public-intermediary"
  },
  "children": [],
  "images": [
    {
      "url": "https://pbs.twimg.com/amplify_video_thumb/1970342514814271488/img/TCyz2Z-rzMyMDULT.jpg",
      "status": "saved",
      "path": "sources/post-backups/media/1ddad09cb7febec57edd5497eb6eaa2bc2b8c51d7848c585faea91edb12e677e.jpg",
      "sha256": "1ddad09cb7febec57edd5497eb6eaa2bc2b8c51d7848c585faea91edb12e677e",
      "bytes": 70233,
      "retrieved_at": "2026-10-15T09:50:21.334088+00:00"
    },
    {
      "url": "https://pbs.twimg.com/profile_images/1623777064821358592/9CApQWXe_200x200.png",
      "status": "saved",
      "path": "sources/post-backups/media/378616d149f6bfc70403aef334250cd19037095be6e4eccbaa10a67b7100ed43.png",
      "sha256": "378616d149f6bfc70403aef334250cd19037095be6e4eccbaa10a67b7100ed43",
      "bytes": 796,
      "retrieved_at": "2026-10-15T09:50:56.220314+00:00"
    }
  ],
  "referenced_by": [
    "1976633347091873830"
  ],
  "provenance": {
    "path": "sources/community-deep-dive-2026-10-14/fx-1970503796129440098.json",
    "sha256": "cf5e1de3cc7abc44081cc9498ad2d29903ddf17ad9c48bd3182482257941193a",
    "retrieved_at": null
  },
  "raw_post": {
    "url": "https://x.com/ycombinator/status/1970503796129440098",
    "id": "1970503796129440098",
    "text": "We are entering the era of Fintech 3.0.\n\nRegulatory clarity, growing consumer adoption, and low-cost chains have paved the way for a golden age of building in crypto — and at YC, @base and @coinbase we want to fund builders to seize this moment. \n\n@harjtaggar and @jessepollak sat down to discuss what kinds of companies they're most excited to see, why this is such an exciting time, and what the future could look like onchain.\n\n00:00 – The Golden Age of Crypto\n02:00 – Jesse’s Path to Coinbase & Base\n04:00 – From Fintech 1.0 to Fintech 3.0\n07:00 – Why Lowering Costs Changes Everything\n10:00 – L1 vs. L2, Simply Explained\n13:00 – How to Build Your First Crypto App\n16:00 – Regulation: Bottleneck or Unlock?\n19:00 – Stablecoins as the Killer Use Case\n23:00 – Beyond the Dollar: Local Stablecoins\n27:00 – Tokenization of Assets\n31:00 – New Asset Classes & the Creator Economy\n35:00 – What Coinbase Looks for in Founders\n39:00 – The Future of Crypto in 10 Years",
    "raw_text": {
      "text": "We are entering the era of Fintech 3.0.\n\nRegulatory clarity, growing consumer adoption, and low-cost chains have paved the way for a golden age of building in crypto — and at YC, @base and @coinbase we want to fund builders to seize this moment. \n\n@harjtaggar and @jessepollak sat down to discuss what kinds of companies they're most excited to see, why this is such an exciting time, and what the future could look like onchain.\n\n00:00 – The Golden Age of Crypto\n02:00 – Jesse’s Path to Coinbase & Base\n04:00 – From Fintech 1.0 to Fintech 3.0\n07:00 – Why Lowering Costs Changes Everything\n10:00 – L1 vs. L2, Simply Explained\n13:00 – How to Build Your First Crypto App\n16:00 – Regulation: Bottleneck or Unlock?\n19:00 – Stablecoins as the Killer Use Case\n23:00 – Beyond the Dollar: Local Stablecoins\n27:00 – Tokenization of Assets\n31:00 – New Asset Classes & the Creator Economy\n35:00 – What Coinbase Looks for in Founders\n39:00 – The Future of Crypto in 10 Years",
      "display_text_range": [
        0,
        962
      ],
      "facets": [
        {
          "type": "mention",
          "indices": [
            179,
            184
          ],
          "original": "base",
          "id": "1628067904083181570"
        },
        {
          "type": "mention",
          "indices": [
            189,
            198
          ],
          "original": "coinbase",
          "id": "574032254"
        },
        {
          "type": "mention",
          "indices": [
            248,
            259
          ],
          "original": "harjtaggar",
          "id": "10711"
        },
        {
          "type": "mention",
          "indices": [
            264,
            276
          ],
          "original": "jessepollak",
          "id": "18876842"
        },
        {
          "type": "media",
          "indices": [
            281,
            304
          ],
          "id": "1970342514814271488",
          "display": "pic.x.com/zh6STJlQHY",
          "original": "https://t.co/zh6STJlQHY",
          "replacement": "https://x.com/ycombinator/status/1970503796129440098/video/1"
        }
      ]
    },
    "author": {
      "screen_name": "ycombinator",
      "url": "https://x.com/ycombinator",
      "id": "113130846",
      "followers": 1656814,
      "following": 367,
      "likes": 21708,
      "media_count": 4287,
      "name": "Y Combinator",
      "description": "We help founders make something people want. Subscribe to our newsletter: http://yc.link/newsletter",
      "raw_description": {
        "text": "We help founders make something people want. Subscribe to our newsletter: https://t.co/sjqjxxBeLc",
        "facets": [
          {
            "type": "url",
            "indices": [
              74,
              97
            ],
            "original": "https://t.co/sjqjxxBeLc",
            "replacement": "http://yc.link/newsletter",
            "display": "yc.link/newsletter"
          }
        ]
      },
      "location": "San Francisco, CA",
      "banner_url": "https://pbs.twimg.com/profile_banners/113130846/1426780133",
      "avatar_url": "https://pbs.twimg.com/profile_images/1623777064821358592/9CApQWXe_200x200.png",
      "joined": "Wed Feb 10 20:20:37 +0000 2010",
      "protected": false,
      "website": {
        "url": "http://ycombinator.com",
        "display_url": "ycombinator.com"
      },
      "verification": {
        "verified": true,
        "verified_at": null,
        "type": "organization"
      },
      "avatar_color": null
    },
    "replies": 150,
    "retweets": 168,
    "likes": 967,
    "bookmarks": 681,
    "quotes": 117,
    "created_at": "Tue Sep 23 15:01:29 +0000 2025",
    "created_timestamp": 1758639689,
    "possibly_sensitive": false,
    "views": 400574,
    "is_note_tweet": true,
    "community_note": null,
    "lang": "en",
    "replying_to": null,
    "replying_to_status": null,
    "media": {
      "all": [
        {
          "id": "1970342514814271488",
          "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1920x1080/2j4DBIwFrOZssq1k.mp4?tag=21",
          "thumbnail_url": "https://pbs.twimg.com/amplify_video_thumb/1970342514814271488/img/TCyz2Z-rzMyMDULT.jpg",
          "duration": 2520.384,
          "width": 1920,
          "height": 1080,
          "format": "video/mp4",
          "type": "video",
          "formats": [
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/pl/zyQiucGv0fTQVste.m3u8?tag=21&v=829",
              "container": "m3u8"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/480x270/_Ccb8bk6J8cR7Hla.mp4?tag=21",
              "bitrate": 256000,
              "container": "mp4",
              "codec": "h264"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/640x360/HKaqgSrceyuyYEkf.mp4?tag=21",
              "bitrate": 832000,
              "container": "mp4",
              "codec": "h264"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1280x720/OtPxJwk9Q3okAPEu.mp4?tag=21",
              "bitrate": 2176000,
              "container": "mp4",
              "codec": "h264"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1920x1080/2j4DBIwFrOZssq1k.mp4?tag=21",
              "bitrate": 10368000,
              "container": "mp4",
              "codec": "h264"
            }
          ],
          "publisher": null,
          "variants": [
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/pl/zyQiucGv0fTQVste.m3u8?tag=21&v=829",
              "bitrate": 0,
              "content_type": "application/x-mpegURL"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/480x270/_Ccb8bk6J8cR7Hla.mp4?tag=21",
              "bitrate": 256000,
              "content_type": "video/mp4"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/640x360/HKaqgSrceyuyYEkf.mp4?tag=21",
              "bitrate": 832000,
              "content_type": "video/mp4"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1280x720/OtPxJwk9Q3okAPEu.mp4?tag=21",
              "bitrate": 2176000,
              "content_type": "video/mp4"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1920x1080/2j4DBIwFrOZssq1k.mp4?tag=21",
              "bitrate": 10368000,
              "content_type": "video/mp4"
            }
          ]
        }
      ],
      "videos": [
        {
          "id": "1970342514814271488",
          "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1920x1080/2j4DBIwFrOZssq1k.mp4?tag=21",
          "thumbnail_url": "https://pbs.twimg.com/amplify_video_thumb/1970342514814271488/img/TCyz2Z-rzMyMDULT.jpg",
          "duration": 2520.384,
          "width": 1920,
          "height": 1080,
          "format": "video/mp4",
          "type": "video",
          "formats": [
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/pl/zyQiucGv0fTQVste.m3u8?tag=21&v=829",
              "container": "m3u8"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/480x270/_Ccb8bk6J8cR7Hla.mp4?tag=21",
              "bitrate": 256000,
              "container": "mp4",
              "codec": "h264"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/640x360/HKaqgSrceyuyYEkf.mp4?tag=21",
              "bitrate": 832000,
              "container": "mp4",
              "codec": "h264"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1280x720/OtPxJwk9Q3okAPEu.mp4?tag=21",
              "bitrate": 2176000,
              "container": "mp4",
              "codec": "h264"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1920x1080/2j4DBIwFrOZssq1k.mp4?tag=21",
              "bitrate": 10368000,
              "container": "mp4",
              "codec": "h264"
            }
          ],
          "publisher": null,
          "variants": [
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/pl/zyQiucGv0fTQVste.m3u8?tag=21&v=829",
              "bitrate": 0,
              "content_type": "application/x-mpegURL"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/480x270/_Ccb8bk6J8cR7Hla.mp4?tag=21",
              "bitrate": 256000,
              "content_type": "video/mp4"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/640x360/HKaqgSrceyuyYEkf.mp4?tag=21",
              "bitrate": 832000,
              "content_type": "video/mp4"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1280x720/OtPxJwk9Q3okAPEu.mp4?tag=21",
              "bitrate": 2176000,
              "content_type": "video/mp4"
            },
            {
              "url": "https://video.twimg.com/amplify_video/1970342514814271488/vid/avc1/1920x1080/2j4DBIwFrOZssq1k.mp4?tag=21",
              "bitrate": 10368000,
              "content_type": "video/mp4"
            }
          ]
        }
      ]
    },
    "twitter_card": "player",
    "color": null,
    "provider": "twitter",
    "reposted_by": null
  },
  "video_policy": "No video bytes downloaded or hosted."
}
