Grosze, czyli jak 1,2 MILIARDA złotych leży w naszych portfelach 💵🪎 Co robisz z monetami 1, 2 czy 5 groszy? Prawdopodobnie lądują na dnie szuflady, w słoiku albo bezużytecznie ciążą w portfelu. Automaty ich nie chcą, bankomaty nie przyjmują, a ich produkcja często kosztuje więcej, niż te blaszki są warte. A gdyby tak... całkowicie zlikwidować w Polsce monety od 1 do 20 groszy, zostawiając jako najniższy nominał równe 50 groszy? Zrobiłem symulację makroekonomiczną takiego scenariusza. Załóżmy, że ceny na półkach zostają bez zmian, ale przy kasie system zawsze zaokrągla kwotę do najbliższych 50 groszy w górę, a powstała „reszta” jest akumulowana na poziomie państwowym. Wyniki? Efekt skali zwala z nóg. 📉 **Perspektywa mikro (Twoja kieszeń):** Dla przeciętnego Polaka zmiana jest całkowicie bezbolesna. Przy codziennych zakupach gotówkowych oddajemy średnio po 20 groszy na transakcję. W skali całego roku oznacza to wydatek rzędu **około 30 złotych**. Równowartość jednej taniej subskrypcji lub trzech kaw. Portfel staje się lżejszy o niepotrzebny bilon, a czas obsługi przy kasach drastycznie spada. 🚀 **Perspektywa makro (Budżet państwa):** Tu zaczyna się magia dużych liczb. Przy miliardach transakcji rocznie te „niechciane” grosze generują **ponad 1,1 miliarda złotych rocznie**. Dodając do tego ok. 50 mln zł oszczędności NBP na samym braku bicia monet, mamy do dyspozycji **ok. 1,2 MILIARDA złotych rok w rok**. **Jak mądrze i strategicznie podzielić te pieniądze? 50/50.** 1. **Połowa (600 mln zł) na cele bieżące (Widoczny Efekt):** Kwota ta co roku trafia bezpośrednio w teren – finansuje budowę nowoczesnych centrów medycznych, dopłaty do czystej energii czy setki zeroemisyjnych autobusów dla gmin wykluczonych komunikacyjnie. Zmianę widać gołym okiem. 2. **Druga połowa (600 mln zł) na Państwowy Fundusz Inwestycyjny (Efekt Procentu Składanego):** Te pieniądze nie są przejadane. Trafiają do specjalnego funduszu celowego, który inwestuje w globalne rynki akcji, obligacji oraz kluczowe projekty technologiczne (AI, transformacja energetyczna). Dzięki sile procentu składanego, dopłacając do funduszu 600 milionów złotych rocznie, po dekadzie (przy konserwatywnym zysku) dysponujemy kapitałem rzędu **7-8 miliardów złotych**. Taki wehikuł inwestycyjny mógłby w przyszłości rentierować i wypłacać coroczne dywidendy bezpośrednio na subkonta emerytalne Polaków lub finansować strategiczne programy rozwojowe bez zaciągania długu publicznego. Niektóre banki już stosują ten mechanizm w wersji cyfrowej (tzw. *auto-save*). Przeniesienie go na poziom systemowy państwa to potężne narzędzie ekonomii behawioralnej (*nudge theory*). Bezbolesne dla jednostki, strategiczne dla narodu. Czy bylibyście gotowi „oddać” 30 zł rocznie z zaokrągleń dla takiego efektu? Zapraszam do dyskusji! 🏛️📊 zaznaczam robione z AI, więc mogą być błędy, ale chodzi o pokazanie sposobu. @nbppl #Polska #NadodowyBankPolski #Ekonomia #FinansePubliczne #Inwestycje #ProcentSkładany #Makroekonomia #Polska #SmartState

⚒️ Product & Security Alongside our external efforts, the technical team focused on final preparations for the upcoming infrastructure release. We are now in the final stage of audit and launch for: ▪️ the upgraded Consensus Bridge ▪️ the Token Bridge with OFT standard support by LayerZero Over the past period, we completed a series of independent audits of key system components by Hashlock, SmartState, and Hexens — covering architecture, smart contract logic, and interaction scenarios. The audit of the updated Consensus Bridge by MixBytes is currently in its final stage, with detailed insights to be shared soon. April was about balancing external momentum with deep internal execution. We are strengthening our market position while bringing the product to the level our standards require. The final stage is near. Stay tuned 🤝

🔍 Recent CrossCurve Updates You Might Have Missed As we approach the final stage of auditing and the upcoming release of the upgraded Consensus Bridge and Token Bridge with LayerZero OFT support, here’s where things stand Recently, we completed a series of independent audits of key system components conducted by Hashlock, SmartState, and Hexens. Each audit included an in-depth review of the architecture, smart contract logic, and interaction flows.

🛡️ CrossCurve & SmartState: Router Re-Audit   As part of ongoing efforts to enhance security and expand functionality for non-EVM networks such as Solana and Tron, CrossCurve has completed a router re-audit. The review focused on updated logic and overall system integrity. No critical vulnerabilities were identified. @SmartStateTech is a leading Web3 security firm, founded in 2019 and headquartered in Dubai. The company is recognized for its expertise in auditing DeFi and blockchain projects, providing a full suite of security services, including smart contract audits (manual, static, and dynamic analysis), with a focus on bridges, cross-chain solutions, tokens, DeFi, and GameFi. SmartState also conducts protocol-level audits (including consensus and infrastructure layers), penetration testing, and post-audit support. Their clients include 1inch, TON, DAO Maker, and others. SmartState was awarded Best Security Audit Company at WOW Summit 2022. 📲 Read the full report here 👉docs.crosscurve.fi/about-cro…

Congo 2026-2031 : L’avènement du « Smart State » et la révolution numérique ! 🇨🇬 #CongoBrazzaville #SmartState #Gouvernance #Digital #DSN #FrancoiseJoly #IntelligenceArtificielle #Blockchain #Modernisation #EmergenceAfrique #SouveraineteNumerique #TransformationCongo

In my latest monograph link.springer.com/book/10.10… I was arguing that the major geostrategic challenge the #UAE may face is the #Iranian aggression. Nevertheless, the UAE is a #Smartstate and its role in this war is already pivotal.

#CMPuLalduhoma said that #Mizoram is rapidly advancing to become India’s fastest #digitalstate. With digital initiatives, technological innovations, and smart services, Mizoram is now future-ready. 🚀 #SmartState #Innovation #FutureReady #YashBOSS #ToxicOnMARCH19th #ToxicTeaser

Self-help, Thucydides. Every #SmartState has to be able to stand on its feet and not be a subject to the Blanche Du Bois syndrome, surviving due to the “kindness” of “strangers” [sic]

It’s not only about the fact that a new meeting to end the Russo-Ukrainian war has started. It’s also about the location. #AbuDhabi is emerging as a bastion of stability and as a hub for highly sensitive and important diplomatic talks. #UAE #SmartState bbc.com/news/articles/cx2001…

I don’t say this often, but @GetYieldFi is one of the few projects I trust completely. Everything is on-chain and can be verified. There’s nothing hidden. - 100% on-chain reserves (you can check live) - Triple-audited by Halborn, Spearbit, and SmartState; zero critical issues - MPC custody (3-of-5); no one holds your private keys - Delta-neutral strategies; no liquidations, no drawdowns - $158M TVL, up 14 times in 2025; real users, real volume - Zero lockups; withdraw anytime via CowSwap No promises. Just proof. APP: app.yield.fi/ #YieldFi #TrustInCode

ROCK-SOLID SECURITY!! Audits? Halborn, Spearbit, Cantina, SmartState, all done. MPC wallets span 12 chains, and collateral data is live for anyone to view. Every strategy is reviewed and risk-rated before deployment. Total transparency, zero black boxes.

Instead of guessing where your assets go, YieldFi lets you see it all: 💠 Live view of custody & collateral 💠 Full breakdown of active strategies 💠 Verified attestations from ForDeFi 💠 Smart contract audits by Halborn, Spearbit, Cantina & SmartState 💠 MPC-secured wallets across 12 chains Every move is open for anyone to verify. No smoke, no mirrors.

Ever feel like on-chain data’s just a giant puzzle that leaves you guessing? The numbers are there, but the story isn’t and one wrong read can FUD you right out of a solid play. Truth in DeFi? It’s not just raw data. It’s data context, the kind that helps you sleep at night. 😴 And that’s exactly where @GetYieldFi is straight-up changing the game with next-level transparency. 😎 Instead of squinting at random tx hashes thinking “Wait, is my yield even real?”,......the @GetYieldFi Transparency Dashboard(yield.fi/transparency) hits you with everything in plain sight: ✓Real-time views of custody wallets & collateral ✓Full strategy allocations ✓3rd-party attestations from ForDefi proving reserves & yields are 100% legit ✓Audited contracts (Halborn, Spearbit, Cantina, SmartState) ✓MPC-secured wallets & diversified plays across Pendle, Aave, Morpho, Ethena, and 28 blue-chip protocols on 12 chains No mystery, no “trust us” energy. Just pure visibility and the Yields are unbeatable 🔥 With ~10–14% on vyUSD, ~7% on vyETH, ~3–5% on vyBTC, all verified 🔥 🔥 And here’s the kicker: @GetYieldFi listens. • Taking user feedbacks and ship upgrades fast: • Granular risk analytics • Clearer post-drawdown breakdowns • Real-time strategy performance updates It’s like a transparent BlackRock for crypto, serious infrastructure with DeFi freedom. With $155M TVL and $3M yields paid out, the results speak for themselves. 🔥 @GetYieldFi isn’t just transparent, it’s transformative. Data you can trust. Clarity that cuts through the noise. Yields that stack, not stress you out. Who’s checking the dashboard first? Get started in 4 steps: 1️⃣ Go to yield.fi/yusd?referral=4TZT8… 2️⃣ Connect wallet (MetaMask, etc.) 3️⃣ Deposit USDC / ETH / BTC 4️⃣ Mint yUSD / yETH / yBTC & earn 📈 No lock-ins, <1% drawdown, plus YieldCrumbs daily accumulation Drop a screenshot if you’re already in or tag someone tired of blind DeFi plays. Let’s level up transparency together. 🔥 #DeFi #YieldFi #RealYield

📊🌐 Andhra upgrades its spatial tech game! An MoU signed with the Survey of India aims to integrate 70 CORS (Continuous Operating Reference System) stations in the state. ➤ Precision mapping for agriculture, smart cities & disaster-management ➤ Step towards high-tech infrastructure for #AndhraPradesh’s growth story #InvestInAP #SmartState #Technology

🚧 Kerala: Building Tomorrow, Today 🚧 While many states race to build highways, Kerala is rewriting the rulebook—ensuring every village, every junction, and every community is connected with world-class roads. 📍 From Palakkad’s Kannanur–Chunkamandam stretch to Kozhikode’s airport corridor, rural roads are being transformed with national-level infrastructure. 🛣️ Union Minister Nitin Gadkari recently announced ₹50,000 crore worth of road projects for Kerala, including seamless connectivity between Palakkad and Kozhikode, and the Ernakulam Bypass that will cut travel time from 90 minutes to just 20. 🌍 Inspired by Dubai’s urban planning, Kerala’s 25-year roadmap aims to create inclusive, resilient cities—without leaving villages behind. 📸 Visitors say: “Kerala lives in 2050.” And we couldn’t agree more. #KeralaModel #InfrastructureGoals #VillageFirst #RoadTo2050 #UrbanPlanning #KeralaDevelopment #IndiaForward #SmartState #InclusiveGrowth #KeralaRoads #FutureReady #DubaiInspired #SustainableCities #ProudKerala

Uttar Pradesh Eyes Global IT & AI Leadership by 2047 -UP govt targets becoming a major IT and AI hub as part of Vision 2047. -Plans include 15–20 decacorns, a $6 trillion economy, and 20% contribution to India’s GDP. -AI cities, incubation centers, global R&D collaborations, and youth-driven skill programs launched. -Goal to create a skilled workforce of over 4 crore by 2047. With such ambitious goals, can Uttar Pradesh transform itself into India’s next Silicon Valley? #DigitalUP #AIIndia #TechInnovation #FutureOfWork #SmartState #TrendingNow #TrendingNews #MarketUpdate

🧵5/9 Security is not an afterthought—it’s the foundation: MPC wallets (3-of-5 threshold) Multiple smart contract audits (Halborn, Spearbit, SmartState) Proof-of-Reserves Proof-of-Yield

2️⃣ Transparent & Secure Infrastructure All deposits go into MPC wallets that require 3-of-5 signer approvals, never sit idle in smart contracts and are backed by full on-chain transparency. Plus, they’ve been triple audited by Halborn, Spearbit, and SmartState.

Their Security? absolutely non-negotiable. YieldFi uses 3-of-5 MPC wallets (multi-party computation) for custody and no single key risk. Contracts audited by Halborn, Spearbit/Cantina, and SmartState. Risk frameworks include diversification and delta-neutral strategies to...

5/ 🛡️ Risk management YieldFi only uses audited protocols ✅ Halborn, Spearbit, SmartState ✅ MPC wallets with multi-sig ✅ No leverage, no exotic tokens