I don’t usually like to talk about my past and I hesitated three times before writing this tweet but I’m sharing this story because it probably saved a couple of guys from committing suicide and it may inspire a lot of you. Two days ago, I met a group of young men at a bar. I sat with them for almost three hours and we had so many deep conversations about life, traveling, etc After two hours of basically bonding with each other, two guys talked to each other in their “local” language and then told me “Feel free not to answer, but have you ever continuously thought of committing suicide because life has no meaning?” They said it desperately and I could sense that they had even made up their minds about doing it. So I shared my life's story with them, hoping to inspire them and sway their decision. I’m from Syria and I lived most of my life under the civil war. I got lucky and escaped death over ten times. I was literally 1-3 seconds or 1 meter away from getting killed so many times. I was even captured twice by an army where I was forced into labor, to build a wall for them (as a kid). I basically lived under the worst conditions anyone would ever imagine. No electricity, water, or internet, high inflation, risk of getting killed/kidnapped at any point in time, etc My dream was and always will be to become a pilot but unfortunately, it costs so much money and I knew since I was a kid I wouldn’t be able to afford it. When I was 13/14 years old, I got so depressed and didn’t find meaning in my life. I mean just imagine being trapped at your house with no basic necessities or purpose. I wasn’t even able to go out and play with other kids because it was dangerous everywhere. For so many semesters I was not even able to go to school because tanks were under my house. On top of everything, I tragically lost many family members and most of my friends either to the war or when they escaped the country. It was at that time when I saw how everyone around me was SO depressed, when the suicide rate hit the highest ever in my city. I decided to change my life. I remember how we had electricity for 2-3 hours a day and my laptop’s battery barely stayed for 2 hours a day. After doing some research, I found out that programming is a perfect fit for me because I can work remotely. I started self-teaching myself during the 4 hours a day of having electricity with an internet speed of 100KB/s (yes 10% of a single MB), waiting the entire day literally on a candle for the electricity to come back so I can study. In 6 months, I got all the basic concepts and I started making around $100 a month as a freelancer as a kid. And this is higher than the average salary in Syria for engineers. But here is another obstacle, EVERYTHING is banned in Syria. You can't open a PayPal account, have a bank account, or even access private @github repos to name a few. Imagine as a developer I was asking my employers to upload their repos to Google Drive so I can access them. Then I found someone who was literally charging me a 60% fee to get me my money in cash from a friend’s PayPal in another country where I was paying 20% taxes. I saved up some money and I bought a better laptop then I decided to dive into cybersecurity and AI. But at that time we didn’t have any good free resources and I can’t afford to pay for courses. So I got a full grant from @coursera. I took every single course by the University of Michigan and others and got a +95% grade in each of them. I will always be grateful to you sir @drchuck. Things started to get better and I started making +$500 from freelancing. I was on my laptop 16 hours a day, working, learning, or exploring new opportunities. I didn't even have a Fiverr account. All my clients came through word of mouth from previous ones. I dedicated myself to providing the best work, creating top-notch reports, and paying attention to details. Here I was participating in and winning so many global hackathons and someone advised me to start doing tech writing. In a few weeks, I joined @sectionio as a freelancer, and in less than 6 months, all my content ranked on the first page of Google search. I got promoted twice where I was a Tech Content Moderator co-managing the entire program they had at some point. I’m pretty sure I was younger than every single one of them. All of that while still losing 60% fee and paying taxes to a country I don’t even live in. Then, I discovered that crypto is not only ETH and BTC because of @dabit3. I started contributing to multiple protocols and started getting multiple offers from them. I decided to focus on @graphprotocol and I signed my first contract with the Foundation to focus on building a dev community and tech writing. I learned from the best people I ever met like @kyleArojas and @schmidsi. In less than two years, I built a new career and shifted to web3 full-time, and I left Syria. This is less than 10% of the story but if I share all the details, it is going to be an article. So many things happened in the last 3 years, I achieved things I never thought I would do a few years ago, and I'm now the CEO of @weave_db where I'm grateful to work with an amazing team and making a real difference. It is worth mentioning that I'm here because of all the AMAZING people that I met in web3 that supported me continuously. I'm so grateful that I met @pdiomede @data_nexus, and @dabit3 among so many others, and to be a part of amazing communities like @developer_dao. The point I’m trying to make here is that I don’t think anyone ever lived under the conditions I did. Everyone around me was depressed. My family lost everything in the war. ALL the companies I applied to at some point rejected me because they can't hire a Syrian and that's why I focused on freelancing for a long time. I got accepted into some of the top internships in the world but they withdrew the offers because of my nationality. Despite encountering numerous obstacles with each achievement, I faced them head-on and I'm proud of where I'm at now. Those guys I talked to are Europeans, they are living under the best conditions, they have money, and they are young. They have all the resources required to succeed. Sharing my story with them changed their look completely about life and gave them hope that everything is possible if you put your mind to it. And I hope it gives you hope too. I hesitated for an entire day before hitting the "Tweet" button below, but if my story saved two lives, I hope it can inspire many more to achieve their dreams.

Good to see DeFi protocols following @0xfluid's lead. Earlier this year, we established the Fluid Foundation to hold the IP, brand, and smart contracts, with $FLUID token holders in full control. Decentralize everything.

Since inception, @0xfluid has maintained the highest loan-to-deposit ratio among major money markets. And $FLUID incentives this year have been aggressively cut down toward zero. The high stablecoin yield is driven by pure borrowing demand. /fluid 🌊

September was @0xfluid’s highest-revenue month in the last two quarters. LAAS is already adding ~$100K/month, while DEX V2, Sui, and custodian integrations are all going live this month. The biggest catalysts haven’t even landed yet. /fluid 🌊

September on Fluid: We are ready for Q4. ▫️ Growth > Fluid is now the #2 lending protocol on @arbitrum. 1 in every 4 dollars borrowed on the chain is borrowed through Fluid. Some reasons: higher LTVs, lower liquidation penalties, and liquidations that only close what’s needed to bring a position back to safety. > 62% of DeFi's USDai and sUSDai liquidity now sits on Fluid, making it the #1 venue for @USDai_Official. > Jupiter Lend V2 @jupiter_earn, has generated more USDC-USDT volume in the last 24 hours than all other Solana DEXs combined. ▫️ Built on Fluid > @USDai_Official's sUSDai is live on @solana via @jupiter_earn, built by Fluid and @JupiterExchange; with deep liquidity from day one, powered by our Liquidity-as-a-Service program. (LaaS) > New reUSD vaults are live on @arbitrum. @re brings real-world assets onchain with borrowing, trading and Smart Liquidity architecture behind them. > Tokenized stocks are coming to Fluid. @RealityFi_xyz and @BitgetWallet bring 1,700+ tokenized RWAs onchain, 1:1 backed by real shares. ▫️ Transparency > Every proof point behind Fluid is now on one page: security audits, oracle integrations, price feeds, risk research, multisigs and third-party dashboards. fluid.io/transparency ▫️ Finance is Fluid > Our team and @Mardeni01 were in Dubai for the MENA Stablecoin Forum. > Our CSO @beeshal joined the first Superteam Nepal Evening, @SuperteamNPL, to discuss @jupiter_earn's growth and how Fluid and @JupiterExchange are building it together. > Fluid is joining @EFDevcon 8 as an official Supporter in Mumbai. October is here. Stay Fluid 🌊

Every year, Q4 is huge for finance in the Middle East. Catch me at: 🇧🇭 Fintech Forward, Bahrain: Oct 7–8
🇦🇪 Dubai FinTech Summit: Nov 2–3
🇦🇪 Blockchain Life, Dubai: Dec 1–2
🇦🇪 Proof of Talk, Abu Dhabi: Dec 3–4
🇦🇪 ADFW, Abu Dhabi: Dec 7–10
🇦🇪 GITEX, Dubai: Dec 7–11
🇦🇪 Global Blockchain Show, Abu Dhabi: Dec 10–11

This accident disclosure just revealed what everyone in the industry already knows: the curator business model doesn’t work without someone continuously paying for integrations and LP deals. DeFi was supposed to cut out the middleman. Yet with this model, you can end up stacking as many as five layers of fees: integrator fees, curator fees (sometimes charged both onchain and offchain as “consulting” fees to asset issuers), LP fees, and middleware fees (we do not expect it will be forever free, right?). Unlike Web2, DeFi enables extreme composability. Eg if you are not on Amazon, you can not sell your product. But in DeFi, you can be fully integrated everywhere via smart contracts. In this environment, owning the underlying protocol and its economics can be far more valuable than the potential benefits of broader distribution deals.

It hardly makes any sense. Vaults in Morpho exist to solve a UX problem, as users simply cannot track thousands of markets themselves. But vaults do not offer much additional protection to users. In fact, they significantly reduce user protection compared to depositing directly into a market. The absolute majority of users will not understand what changes are being introduced under a 1-day timelock, even if they somehow decide to monitor the vault 24/7. And the existence of a timelock does not mean that every investment decision made by the curator is implicitly approved by the lender. Coming back to the first point, Paul says that “the vault turns the complexity of tracking thousands of markets into a single set of predetermined rules that allocates across many markets at once.” But now the user effectively has to monitor the thousands of markets the curator allocates to. And if the funds are mismanaged, we can suddenly say that this was done with the user's “explicit or implicit” approval. And I am not even talking about situations where curators use their “discretionary” vaults as collateral within their non-custodial vaults. What is the vault called in that situation? I do not think Paul is naive enough to believe that these vaults are “non-custodial”. Rather, he seems to want others to believe in that.

At @0xfluid, every new collateral asset goes through a thorough risk and security assessment before it can be listed. Ever wondered what we actually look at? We’ve published our Asset Listing Assessment for $sUSDai, covering the key risks, assumptions, liquidity, oracles, and collateral parameters considered before listing. Read the full report: fluid.io/risk-research/susda…

$JPYC got listed on Upbit, but the korean dudes thought it was a memecoin so they pumped it 3x🤣 gg to the Japanese arbitragors

Fluid is everywhere. This week, Dubai. Our team is at the MENA Stablecoin Forum.

Banks are clearly coming onchain. Spoke to tons today building stablecoins for different use cases. Catch me at the MENA Stablecoin Forum!

the current king of capital efficiency: @0xfluid 👑 if you're borrowing USDC against ETH, Fluid gives you the most borrowing power there’s more to shopping for a loan than just the current borrow rate

Every proof point behind Fluid, now on one page. Finance is verifiable. > fluid.io/transparency

Many will not get it, until they do

Traditional AMM LPs earn trading fees. Smart Lend LPs on @0xfluid earn trading fees + lending yield on the same liquidity. For trUSD/USDC, the USDC side earns ~5.8% annualized. Since it’s a 50/50 pool, that adds 2.9% APY to the total position, on top of trading fees. More markets are coming to Fluid Smart Lend soon. If you’re an asset issuer looking to make your liquidity more capital efficient, DM me.

temperature in uae feels like 60 degrees wtf

Team Fluid 🌊

People who have lived through wars look at time differently. I think that can be a superpower. Many of you know that I lived half of my life during Syria's civil war. When I was 15, my two sisters and I were sleeping in our room. By then, we had already seen a lot. We had seen people die, watched neighboring buildings collapse, inhaled chemical weapons, been kidnapped, lost almost everything, and lived with the constant fear that something could happen at any moment. So you would think the concept of death would already be familiar to us. That we would somehow be prepared for it. The first rocket hit the entrance of our building. We woke up terrified. I pushed my sisters out of the room first, and as I was stepping through the door, the second rocket hit our room. It threw me into the living room. When I looked back, the room was gone. And for a few seconds, all I could see was white, black and fire. And I could smell the gunpowder. I'm not sharing this to terrify you. War is horrific, and millions of people have lived through things far worse. What stayed with me was how close it was, literally one second. If the first rocket didn’t warn us, I would probably have still been asleep. If I had been the heavy sleeper I am today. If I had tripped while running out. If I had hesitated for one second. I would have been dead, or possibly spent the rest of my life with a disability. Some of our clothes actually survived the explosion. We had no wall between us and the outside anymore, in the middle of winter, while it was snowing. For months, some of those clothes still smelled like gunpowder. It was almost impossible to look at them without thinking about that one second. One second that separated me from not being here today. And I think that's where a lot of my relationship with time comes from. That experience comes back to me whenever I catch myself wasting time, scrolling, skipping a workout because I'm tired, or spending an hour doing something that I know doesn't matter. It sounds insane, but knowing how close I came to losing everything has probably been one of the biggest reasons I've always pushed myself to do more with the time I have. I think the strange thing about living through war is that you can see death so often that you become numb to it, but every once in a while something happens that makes you understand just how close it actually is. And once you've felt that distance, it's hard to look at time the same way again. I don't walk around thinking I'm going to die tomorrow. I don't think that's a healthy way to live. But I do think about how easily a normal day can become the last one. That makes me more careful about what I spend my time on. I still waste time. I still spend too much time on my phone and do plenty of things I know I shouldn't. I'm not some perfectly disciplined person because I lived through a war. It's just that, every now and then, I remember those clothes smelling like gunpowder and I remember that I was one second away from never getting another day. And suddenly whatever I was wasting my time on doesn't seem that important anymore. I think that's the useful part of being exposed to death so young. It can mess with you in ways that never really leave, but it can also give you a very different appreciation for being alive. The trick is what you do with that feeling. It is my fucking fuel.