The US banking regulator @USOCC has encouraged smaller banks to consider issuing their own payment stablecoins, including through subsidiaries. This is another step toward making stablecoins part of the traditional banking system. Issuing a stablecoin is only part of the challenge. Banks will also need infrastructure that allows them to open customer accounts, process international payments, convert traditional currencies into stablecoins, and monitor transactions. And most importantly, protect their customers' financial data. @SeismicSys is building infrastructure for financial applications and stablecoin services. The project brings together virtual accounts, international payments, KYC tools, and transaction monitoring. At the same time, privacy is at the core of its blockchain. After all, if a bank uses a public blockchain where anyone can see customer balances and transaction amounts, it raises an obvious question about confidentiality. Seismic takes a different approach: financial data can remain private while still allowing the necessary compliance checks. In my opinion, OCC news matters not only for banks looking to issue their own stablecoins. The more traditional financial institutions start working with stablecoins, the more they will need infrastructure that connects traditional banking services with blockchain technology. And that's exactly what Seismic is focusing on today. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

Yo, so who helps you write your posts? By the way, this is Moby ✌️

In my previous post, I covered the updates that have already appeared on @SeismicSys GitHub. Now I decided to take a closer look at what the developers are currently working on and which updates are still in progress. github.com/SeismicSystems October 23: additional protection for private transactions. A fix has been proposed for a bug that, under certain conditions, could cause a private operation to be treated as public. This could potentially expose hidden data. The fix has already been proposed but hasn't been merged into the main codebase yet. September 28 – October 12: further Google Cloud support. Developers are continuing to integrate Google TDX into the tools used to run the network. The goal is to make it possible to configure and verify Seismic's secure nodes not only on Azure but also on Google Cloud. Some of the necessary changes have already been implemented, but the integration is not yet complete. August: a new encryption key management system. A new mechanism is still in development, where special encryption keys will be issued under the supervision of a security council rather than generated automatically upon request. This will provide better control over access to the keys used to protect private data. October 9: improvements to developer tools. Fixes have been proposed for Python tools to help applications correctly select smart contract functions and process encrypted data. This should reduce errors when building financial applications on Seismic. October 21: an example of a private bidding application. A community member proposed an application where companies can submit bids without revealing their amounts. The winner is determined inside a secure environment, while other participants' data remains hidden. For now, this is a community-built example of what Seismic can do, not an announcement of an official product. Based on the open tasks on GitHub, the main focus right now is on protecting private data, managing encryption keys, improving network infrastructure, and making developer tools better for financial applications. Some of these changes are being developed by the team itself, while others are being proposed by the community. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

It’s both a good and a bad thing. On one hand, one person can now do the work of a small team. On the other hand, that small team is now being replaced by just one person.

Since Seismic's last AMA, we haven't seen many public updates. But the team warned us about this in advance, saying they would be focusing on development. From July 3 to October 24, @SeismicSys team made quite a few changes. github.com/SeismicSystems October 8: paying gas fees with different tokens. Developers added the ability to pay transaction fees not only with the network's native token but also with other supported tokens. This is a useful improvement for future financial applications. September 23: encryption system improvements. The team updated the encryption key rotation system to help the network process private transactions more reliably. August 6 and October 19–22: security improvements. Developers fixed issues that could potentially expose private data. They also strengthened server security and added support for Google Cloud's secure computing environment. October 9–15: Improvements to fast block processing. The team improved how the network handles block timing, with millisecond-level precision. This is important for a network where blocks are produced more than once per second. Seismic's GitHub shows active development. The main focus right now is on security, network stability, and infrastructure for financial applications. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

The US has taken another important step toward the mass adoption of stablecoins. On October 21, OCC finalized its stablecoin regulations under the GENIUS Act. What has changed? The regulator maintained the requirement for stablecoins to be backed by reserves at a 1:1 ratio and established rules for issuer licensing, risk management, and asset custody. At the same time, some restrictions have been eased. For example, certain reward programs offered through third-party services will be evaluated on a case-by-case basis. The new rules will take effect on January 18, 2027. But in my opinion, the most interesting part isn't the rules themselves, but what they mean for the market. Stablecoins are gradually evolving from a crypto trading tool into an integral part of the financial system. Clearer regulations could accelerate their adoption by banks, payment providers, and fintech companies. @SeismicSys is building infrastructure for exactly this direction. Its blockchain enables private balances and transaction amounts, which is especially important for businesses and financial applications. The GENIUS Act is not directly connected to Seismic, but it creates a clearer regulatory environment for the industry the project is targeting. In my view, the more stablecoins become integrated into traditional finance, the greater the demand will be for infrastructure that combines payments, privacy, and regulatory compliance. Source: occ.gov/news-issuances/news-… @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

Crypto cards are becoming a mainstream product, but the most interesting developments are happening beyond the cards themselves. Coinbase is teaming up with Marqeta, Gate is expanding its Visa card offering, and Mastercard is working with BVNK to build infrastructure for stablecoin payments and cross-border payouts. They are all moving in the same direction: making it easier for people to hold funds in stablecoins, pay in everyday stores, and send money across borders without extra steps. But behind a simple card payment is an entire system: accounts, fund flows, currency conversions, settlements between participants, and local payouts. Crypto products are gradually becoming part of the traditional financial system. They need infrastructure that connects blockchain technology with the financial services people already use. @SeismicSys is looking beyond basic transfers and building infrastructure for financial applications, including virtual accounts, global payments, and tools for integrating with the existing financial system. With Coinbase, Visa, and Mastercard launching new initiatives, this approach feels especially relevant. It is no longer just about moving tokens between wallets, but about building infrastructure that connects crypto assets with everyday financial transactions. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

all eyes on me ❌ all eyes on @SeismicSys ✅

Visa is taking stablecoin payments to the next level. On October 15, Visa announced the commercial launch of USDC integration into Visa Direct. Companies can now use stablecoins to fund international transfers without being limited by traditional banking hours. usa.visa.com/about-visa/news… The first partner is Inyo Global, whose platform supports payouts to more than 180 countries. However, $USDC functionality is currently available only to selected clients and partners. In my opinion, this is another sign that stablecoins are gradually becoming part of the traditional financial system. And that's exactly why I keep talking about @SeismicSys. Seismic is building in this same direction, providing infrastructure for international payments, virtual accounts, card issuance, and stablecoin transactions. But there's one important difference, privacy. Seismic makes it possible to keep balances and transaction amounts private onchain, which is especially important for businesses and financial applications. Visa and Seismic are not directly connected, but they are operating in the same growing space. As major payment companies continue adopting stablecoins, the demand for infrastructure that combines international payments, ease of use, and privacy will only grow. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

Everything's right at my fingertips, now I'm looking forward to @SeismicSys and iPhone DUO collaboration ahahahaha

In Web3, there are four main approaches to private computation: TEE, FHE, ZK, and MPC. All of them help protect data, but they do so in different ways. FHE allows computations to be performed directly on encrypted data. The information remains encrypted during processing, but these operations require significantly more computational resources. ZK allows you to prove that computations are correct without revealing private data. It's a powerful cryptographic approach, but generating proofs requires additional computation and a more complex architecture. MPC distributes secret data among multiple participants. None of them can see the complete information, but computations require coordination and communication between nodes. TEE uses a secure hardware environment where data is decrypted and processed. This allows regular computations to run at speeds close to normal execution. Why did @SeismicSys choose TEE? Seismic is building infrastructure for financial applications where privacy is important, but so are transaction speed, performance, and ease of development. With Intel TDX, private data is processed inside a secure environment, while developers can continue using familiar Solidity. Of course, TEE also has its limitations. Security depends on the underlying hardware, and hardware vulnerabilities remain a potential risk. But this balance between privacy, performance, and EVM compatibility is exactly what makes TEE a suitable choice for Seismic. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

At first glance, @SeismicSys and @tempo seem to be building toward the same goal: making stablecoins useful for real financial applications. Both are EVM-compatible Layer 1 blockchains focused on financial infrastructure. But their approaches are different. Tempo starts with payments. Tempo is designed to process stablecoin transactions efficiently and at scale. It introduces dedicated payment lanes, the TIP-20 token standard, transaction fees paid directly in stablecoins, and built-in compliance through TIP-403. It also supports features such as payment memos, batched transactions, and fee sponsorship. These are useful for international transfers, payroll, merchant payments, and institutional settlements. Seismic starts with privacy. Seismic extends the EVM with native support for confidential smart contract data. It uses Intel TDX TEEs, where private information is processed inside a protected environment. Developers can use familiar Solidity and introduce shielded types such as `suint256` instead of `uint256`. This allows balances, transaction amounts, and other sensitive contract values to remain hidden from public observers. The privacy model is where things get interesting. Tempo is not ignoring privacy. It has introduced Tempo Zones, private environments connected to its public blockchain. Inside a Zone, balances and transactions are hidden from the public. However, the Zone operator can still see the financial activity taking place there. Seismic takes a different approach. Its privacy model is built around protecting sensitive data even from node operators. Encrypted transaction data is decrypted and processed inside the TEE, while shielded contract storage remains inaccessible through ordinary public reads. The distinction is important: Tempo Zones restrict who can see financial information, while Seismic uses hardware-protected execution to keep shielded data confidential. The development experience is different too. Tempo keeps standard EVM development familiar while adding infrastructure specifically optimized for payments. Seismic modifies the Solidity compiler and EVM storage operations to make privacy part of smart contract logic. For example, a financial application might need to calculate loan conditions, manage private balances, process payroll, or enforce transaction limits without exposing sensitive values publicly. Seismic is designed to support this kind of programmable confidentiality. And both are moving into real financial infrastructure. Tempo focuses heavily on stablecoin settlement, payment processing, financial accounts, and infrastructure for businesses. Seismic is building a broader stablecoin stack that includes international payments, virtual accounts, cards, compliance, and confidential financial applications. So the difference is not simply speed or EVM compatibility. Tempo is building a payments-first blockchain with additional privacy infrastructure. Seismic is building a privacy-enabled EVM where confidential data can be part of financial application logic. Both are targeting a similar financial market, but they are approaching it from different directions. And as stablecoins become more integrated into everyday finance, I think the question of how financial data is protected will become just as important as how quickly money moves. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

Hey, @SeismicSys community, let's add a refreshing scent for some privacy, hahaha

The difference between @SeismicSys and @zama is in how they approach privacy. Zama uses FHE - computations are performed directly on encrypted data. Seismic uses TEE - private data is processed inside a protected environment, while the developer experience stays as close as possible to a regular EVM. You can clearly see this difference when it comes to speed. FHE requires significantly heavier computation and separate infrastructure to process it. Inside a TEE, Seismic can execute almost standard EVM logic, which allows private applications to operate much closer to the speed of regular blockchain applications. The development approach is also different. Zama uses encrypted types, FHE operations, coprocessors, encrypted handles, and separate logic for handling decryption. With Seismic, developers can continue working with familiar Solidity. For example, a regular uint256 can be changed to suint256 and then used almost like a normal variable, but with its value kept private. This becomes especially interesting for complex financial applications. Payroll, lending, cards, treasury, invoices, compliance, limits, and internal financial calculations all require a large number of conditions and operations. Zama handles this logic through encrypted computation. Seismic handles it inside a protected TEE environment, making it possible to build these products much more like traditional fintech applications. At the same time, Seismic is increasingly focused on financial infrastructure: stablecoins, international payments, payroll, accounts, cards, and treasury. So the approaches are slightly different. Zama is building infrastructure for computation over encrypted data. Seismic is building a private EVM and financial infrastructure where privacy should be as invisible as possible for both developers and end users. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

Stablecoin cards are moving from a crypto niche into everyday payments. In September, spending through stablecoin cards reached a record $1.17 billion. There were around 11 million transactions, while the average payment increased to roughly $107. People are no longer just holding stablecoins, they are increasingly using them for real-world spending. @SeismicSys is building infrastructure where stablecoins can be used for cards, international payments, accounts, and other financial products while keeping financial data private. The more stablecoins become part of everyday finance, the more important this kind of infrastructure becomes. cryptoslate.com/stablecoin-c… @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

If your X feed isn’t full of @SeismicSys, I don’t know what you’re doing in crypto.

Many physical assets already generate revenue on their own: EV charging stations, automated retail, vending systems, and other equipment. Vend helps turn this activity into clear financial data. @vend_money connects each physical asset with its transactions, revenue, usage, and other operational metrics. As a result, equipment gets a financial history that banks and other financial institutions can use when evaluating and financing these assets. Vend itself doesn’t provide loans. Instead, it builds the infrastructure between physical assets and capital, collecting and structuring data while helping track asset performance. Blockchain mostly works in the background as a layer for asset data, ownership, financing, and settlements. In simple terms, Vend connects real-world assets and their cash flows with onchain financial infrastructure. And Vend is building with @SeismicSys, bringing this infrastructure into an ecosystem designed for private onchain finance. @crypto_kesha @xealistt @NoxxW3 @heathcliff_eth

Gmic @SeismicSys