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    <title>Vuong Nguyen</title>
    <description>Founder of Meteor Dreams. Fractional and interim CTO, technology leader, and writer exploring AI, stablecoins, blockchain, and creative technology.</description>
    <link>https://vuongnguyen.com/</link>
    <language>en-us</language>
    <managingEditor>Vuong Nguyen (https://vuongnguyen.com)</managingEditor>
    <webMaster>Vuong Nguyen (https://vuongnguyen.com)</webMaster>
    <copyright>Copyright 2026, Vuong Nguyen</copyright>
    <ttl>60</ttl>
    <item>
      <title><![CDATA[Built to Transfer, Not to Lend]]></title>
      <link>https://vuongnguyen.com/built-to-transfer-not-to-lend/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/built-to-transfer-not-to-lend/</guid>
      <description><![CDATA[Remittance-backed lending isn't just a better credit product. It's a structural advantage hiding in plain sight inside the corridors that have been moving money for decades. A personal story from Phan Thiet to Boston explains why.]]></description>
      <pubDate>Mon, 16 Mar 2026 00:00:00 GMT</pubDate>
      <category>Fintech</category>
      <category>Stablecoin</category>
      <category>Life</category>
      <category>Remittance</category>
      <category>Stablecoin Adoption</category>
      <category>Fintech</category>
      <category>Systems Thinking</category>
      <category>Behavioral Credit</category>
      <category>Cross-Border Payments</category>
      <category>Payment Rails</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[The Invisible Credit: Why Remittance Senders Are the Best Borrowers No One Will Lend To]]></title>
      <link>https://vuongnguyen.com/the-invisible-credit/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/the-invisible-credit/</guid>
      <description><![CDATA[Millions of immigrants send billions across borders with perfect consistency and zero credit history. The infrastructure to fix that exists. What's missing is the will to build it.]]></description>
      <pubDate>Mon, 09 Mar 2026 00:00:00 GMT</pubDate>
      <category>FinTech</category>
      <category>Life</category>
      <category>Remittances</category>
      <category>Credit Systems</category>
      <category>Financial Inclusion</category>
      <category>Immigration</category>
      <category>Cross-Border Payments</category>
      <category>Payment Infrastructure</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[My Mother Was Smuggling Rice at 13. AI Would Screen Her Out.]]></title>
      <link>https://vuongnguyen.com/my-mother-was-smuggling-rice-at-13-ai-would-screen-her-out/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/my-mother-was-smuggling-rice-at-13-ai-would-screen-her-out/</guid>
      <description><![CDATA[A reality check on AI adoption, gender bias, and what our technology reveals about us. From building engineering teams to post-war Vietnam, the question isn't whether women are as good at AI. It's whether we've built systems that let them be.]]></description>
      <pubDate>Fri, 06 Feb 2026 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Leadership</category>
      <category>Life</category>
      <category>Engineering Leadership</category>
      <category>Gender Bias</category>
      <category>AI Adoption</category>
      <category>Women In Tech</category>
      <category>Systems Thinking</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Why Aren't We Using AI to Save Dying Knowledge?]]></title>
      <link>https://vuongnguyen.com/why-arent-we-using-ai-to-save-dying-knowledge/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/why-arent-we-using-ai-to-save-dying-knowledge/</guid>
      <description><![CDATA[A language dies every 40 days. 38% of webpages from 2013 are already gone. We built seed vaults for biodiversity. Why haven't we built knowledge vaults, training AI models on endangered languages, traditional medicine, and martial arts lineages before the last practitioners are gone?]]></description>
      <pubDate>Mon, 02 Feb 2026 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Technology</category>
      <category>AI Agents</category>
      <category>Language Preservation</category>
      <category>Cultural Heritage</category>
      <category>Knowledge Systems</category>
      <category>LLM</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Make the Call]]></title>
      <link>https://vuongnguyen.com/make-the-call/</link>
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      <description><![CDATA[Some decisions can't wait for perfect information. Growing up in post-war Vietnam, I watched my father make hard calls that changed lives. Three days into Boston's biggest blizzard since 2015, I'm thinking about what it means to make the call on AI when the data isn't coming.]]></description>
      <pubDate>Fri, 30 Jan 2026 00:00:00 GMT</pubDate>
      <category>Leadership</category>
      <category>AI/ML</category>
      <category>Leadership</category>
      <category>Decision Making</category>
      <category>AI Agents</category>
      <category>Courage</category>
      <category>Community</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[What Is AI Context, Really? And Why It Matters More Than the Model]]></title>
      <link>https://vuongnguyen.com/what-is-ai-context-really-and-why-it-matters-more-than-the-model/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/what-is-ai-context-really-and-why-it-matters-more-than-the-model/</guid>
      <description><![CDATA[Most people focus on which AI model to use. But the quality of your results depends more on context than model choice. Here's what context actually is, why most of it is hidden from you, and what that means for getting better results.]]></description>
      <pubDate>Mon, 19 Jan 2026 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Technology</category>
      <category>AI Agents</category>
      <category>Context Management</category>
      <category>LLM Memory</category>
      <category>Systems Thinking</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[The Great Unbundling: Why Everyone Is Building a Stablecoin Chain (And Why Most Will Fail)]]></title>
      <link>https://vuongnguyen.com/the-great-unbundling-most-stablecoin-chains-will-fail/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/the-great-unbundling-most-stablecoin-chains-will-fail/</guid>
      <description><![CDATA[A 2025 year-end analysis of the stablecoin chain explosion, tokenized deposits, and what the fragmentation means for cross-border payments.]]></description>
      <pubDate>Mon, 22 Dec 2025 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Fintech</category>
      <category>Technology</category>
      <category>Stablecoin Adoption</category>
      <category>Tokenized Deposits</category>
      <category>Cross-Border Payments</category>
      <category>Blockchain Infrastructure</category>
      <category>AI Agents</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Sun Tzu on AI: Position, Don't Fight]]></title>
      <link>https://vuongnguyen.com/sun-tzu-on-ai-position-dont-fight/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/sun-tzu-on-ai-position-dont-fight/</guid>
      <description><![CDATA[Sun Tzu wrote about war, but he was really writing about uncertainty. How to win through positioning when you can't predict outcomes. That feels relevant right now as AI reshapes work.]]></description>
      <pubDate>Mon, 15 Dec 2025 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Leadership</category>
      <category>AI Strategy</category>
      <category>Career</category>
      <category>Positioning</category>
      <category>Automation</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Distributed Work, Distributed Humanity]]></title>
      <link>https://vuongnguyen.com/distributed-work-distributed-humanity/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/distributed-work-distributed-humanity/</guid>
      <description><![CDATA[Working in isolation started before COVID but the pandemic accelerated it. Through Web3, Crypto Winter, and now AI, I've watched us mistake distributed work for distributed humanity.]]></description>
      <pubDate>Fri, 12 Dec 2025 00:00:00 GMT</pubDate>
      <category>Life</category>
      <category>Technology</category>
      <category>Remote Work</category>
      <category>Stablecoin</category>
      <category>Web3</category>
      <category>Isolation</category>
      <category>AI</category>
      <category>Reflection</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Context Isn't Retrieval: Why RAG Won't Fix Agent Decision-Making]]></title>
      <link>https://vuongnguyen.com/context-isnt-retrieval-why-rag-wont-fix-agent-decision-making/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/context-isnt-retrieval-why-rag-wont-fix-agent-decision-making/</guid>
      <description><![CDATA[Retrieval gives agents information. Context gives them decision logic, constraints, and workflows. This deep dive explains why RAG cannot solve decision-making and why the context layer becomes essential infrastructure.]]></description>
      <pubDate>Mon, 08 Dec 2025 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Technology</category>
      <category>Engineering</category>
      <category>AI Agents</category>
      <category>Context Layers</category>
      <category>RAG</category>
      <category>Decision Making</category>
      <category>Agent Architecture</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Post-AI World: Survivors and Casualties]]></title>
      <link>https://vuongnguyen.com/post-ai-world-survivors-and-casualties/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/post-ai-world-survivors-and-casualties/</guid>
      <description><![CDATA[AI disruption is coming without coordinated solutions. Historical transitions had survivors and casualties. In the absence of a plan, individual agency and context ownership become survival strategies.]]></description>
      <pubDate>Fri, 05 Dec 2025 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Life</category>
      <category>AI Anxiety</category>
      <category>Economic Disruption</category>
      <category>Context Ownership</category>
      <category>Agency</category>
      <category>Future of Work</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Why AI Agents Can't Make Decisions Without Context]]></title>
      <link>https://vuongnguyen.com/why-ai-agents-cant-make-decisions-without-context/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/why-ai-agents-cant-make-decisions-without-context/</guid>
      <description><![CDATA[AI agents can execute actions, but they can't decide which action is correct. Finance exposes this gap more clearly than any domain. Here's why context, not compute, becomes the bottleneck.]]></description>
      <pubDate>Mon, 01 Dec 2025 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Fintech</category>
      <category>Technology</category>
      <category>AI Agents</category>
      <category>Context Layers</category>
      <category>Decision Systems</category>
      <category>Tokenized Deposits</category>
      <category>Stablecoin Adoption</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[AI, the Punch You Don't See Coming]]></title>
      <link>https://vuongnguyen.com/ai-the-punch-you-dont-see-coming/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/ai-the-punch-you-dont-see-coming/</guid>
      <description><![CDATA[A practitioner's warning to friends who aren't paying attention to AI. The transformation is already here, and most people won't see the punch until it lands.]]></description>
      <pubDate>Fri, 28 Nov 2025 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Technology</category>
      <category>Life</category>
      <category>AI Agents</category>
      <category>Career</category>
      <category>Future of Work</category>
      <category>Economic Change</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[How Onchain FX Actually Works: Atomic Settlement Explained]]></title>
      <link>https://vuongnguyen.com/how-onchain-fx-works-atomic-settlement-explained/</link>
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      <description><![CDATA[Atomic settlement eliminates the timing gaps that have defined FX for 50 years. Here's how institutional shared ledgers, tokenized deposits, and programmable settlement are reshaping global currency movement.]]></description>
      <pubDate>Mon, 24 Nov 2025 00:00:00 GMT</pubDate>
      <category>Fintech</category>
      <category>Stablecoin</category>
      <category>Technology</category>
      <category>FX</category>
      <category>Onchain Settlement</category>
      <category>Tokenized Deposits</category>
      <category>Programmable Money</category>
      <category>Interoperability</category>
      <category>Atomic Settlement</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[The Coming Collision: Stablecoins, Tokenized Deposits, and the Fight for the Settlement Layer]]></title>
      <link>https://vuongnguyen.com/stablecoins-tokenized-deposits-settlement-layer/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/stablecoins-tokenized-deposits-settlement-layer/</guid>
      <description><![CDATA[Stablecoins hit $46T in annual volume and banks are responding by putting their own money onchain. The real battle isn't between public and private rails. It's about who controls the bridges between them.]]></description>
      <pubDate>Mon, 17 Nov 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Technology</category>
      <category>Stablecoins</category>
      <category>Tokenized Deposits</category>
      <category>Payments</category>
      <category>Banking Innovation</category>
      <category>Onchain Settlement</category>
      <category>Interoperability</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Building in Winter]]></title>
      <link>https://vuongnguyen.com/building-in-winter/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/building-in-winter/</guid>
      <description><![CDATA[The last crypto winter felt like building in a pit while the world pretended blockchain didn't exist. This winter feels different. Stablecoins are processing over $1.3 trillion monthly. The energy is quieter, but more honest. Builders are solving problems that matter: payments, trust, liquidity, stability.]]></description>
      <pubDate>Tue, 11 Nov 2025 00:00:00 GMT</pubDate>
      <category>Blockchain</category>
      <category>Stablecoin</category>
      <category>Leadership</category>
      <category>Crypto Winter</category>
      <category>Stablecoin Adoption</category>
      <category>Engineering Leadership</category>
      <category>Systems Thinking</category>
      <category>Institutional Adoption</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[AI Everywhere, Rockets on Donkeys]]></title>
      <link>https://vuongnguyen.com/ai-everywhere-rockets-on-donkeys/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/ai-everywhere-rockets-on-donkeys/</guid>
      <description><![CDATA[Companies are racing to add AI everywhere. But most are strapping rockets to donkeys and calling it innovation. Real transformation requires rebuilding systems, not just adding layers on top.]]></description>
      <pubDate>Mon, 10 Nov 2025 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Engineering</category>
      <category>Technology</category>
      <category>AI Agents</category>
      <category>Engineering Leadership</category>
      <category>Systems Thinking</category>
      <category>Process Improvement</category>
      <category>Innovation</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[A Mother in Lagos Sends $10. JPMorgan Sends $10M. Guess Who Pays More in Fees?]]></title>
      <link>https://vuongnguyen.com/a-mother-in-lagos-sends-10-jpmorgan-sends-10m-guess-who-pays-more-in-fees/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/a-mother-in-lagos-sends-10-jpmorgan-sends-10m-guess-who-pays-more-in-fees/</guid>
      <description><![CDATA[In the global payment system, small senders pay the highest percentage in fees. A mother in Lagos loses 8% sending $10 for school lunch, while a bank wiring $10 million pays less than 0.1%. Stablecoins may finally level the playing field.]]></description>
      <pubDate>Mon, 06 Oct 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Remittances</category>
      <category>Stablecoins</category>
      <category>Cross-Border Payments</category>
      <category>Compliance</category>
      <category>Emerging Markets</category>
      <category>Africa</category>
      <category>Nigeria</category>
      <category>Latin America</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[The Stablecoin Sandwich and Why Remittances Stay Expensive]]></title>
      <link>https://vuongnguyen.com/the-stablecoin-sandwich-and-why-remittances-stay-expensive/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/the-stablecoin-sandwich-and-why-remittances-stay-expensive/</guid>
      <description><![CDATA[Stablecoin payments look simple, but the reality is a three-layer sandwich where banks, issuers, and exchangers each take a bite. Add FX spreads, and users lose billions each year. The fix is direct tokenized deposits and onchain FX markets that compress costs from dollars to cents.]]></description>
      <pubDate>Tue, 30 Sep 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Blockchain</category>
      <category>Remittances</category>
      <category>FX</category>
      <category>GENIUS Act</category>
      <category>Tokenized Deposits</category>
      <category>AMMs</category>
      <category>Cross-Border Payments</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Fintech's Real Lab Isn't Wall Street]]></title>
      <link>https://vuongnguyen.com/fintechs-real-lab-isnt-wall-street/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/fintechs-real-lab-isnt-wall-street/</guid>
      <description><![CDATA[Fintech's future isn't being shaped in the U.S. or Europe. It's emerging in Lagos, Ho Chi Minh City, and Buenos Aires, where stablecoins and digital rails solve survival challenges.]]></description>
      <pubDate>Tue, 23 Sep 2025 00:00:00 GMT</pubDate>
      <category>Blockchain</category>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Adoption</category>
      <category>On-ramp</category>
      <category>Off-ramp</category>
      <category>Remittances</category>
      <category>AI Agents</category>
      <category>GENIUS Act</category>
      <category>Global South</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[JPMorgan Now Runs the Tech That Was Supposed to Kill JPMorgan]]></title>
      <link>https://vuongnguyen.com/jpmorgan-now-runs-the-tech-that-was-supposed-to-kill-jpmorgan/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/jpmorgan-now-runs-the-tech-that-was-supposed-to-kill-jpmorgan/</guid>
      <description><![CDATA[In 2017, blockchain was supposed to destroy banks. By 2025, JPMorgan runs $1B daily onchain, BlackRock tokenizes treasuries, and Circle IPOs at $20B. The irony is sharp, but the lesson is clearer: the revolution didn't fail, we just misunderstood what people actually needed.]]></description>
      <pubDate>Thu, 18 Sep 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Blockchain</category>
      <category>Fintech</category>
      <category>JPMorgan</category>
      <category>BlackRock</category>
      <category>Circle</category>
      <category>Decentralization</category>
      <category>Stablecoins</category>
      <category>Global South</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Safe Yield Doesn’t Exist for Stablecoins, and Savers Are Paying the Price]]></title>
      <link>https://vuongnguyen.com/safe-yield-doesnt-exist-for-stablecoins/</link>
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      <description><![CDATA[Stablecoins promised safety, but without compliant yield, savers in inflation-hit markets lose value. CTO lessons on why DeFi lending survived, CeFi failed, and where safe yield might emerge.]]></description>
      <pubDate>Tue, 16 Sep 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Blockchain</category>
      <category>Engineering</category>
      <category>DeFi Lending</category>
      <category>Yield Design</category>
      <category>Inflation</category>
      <category>Risk Management</category>
      <category>Regulation</category>
      <category>System Architecture</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[$50,000 Froze at a Nigerian Bank Counter: The Real Stablecoin Problem]]></title>
      <link>https://vuongnguyen.com/50k-usd-froze-at-nigerian-bank-counter-the-real-stablecoin-problem/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/50k-usd-froze-at-nigerian-bank-counter-the-real-stablecoin-problem/</guid>
      <description><![CDATA[Stablecoins are hailed as the future of money, but adoption in emerging markets is blocked by broken off-ramps. From Nigeria to Argentina to the Philippines, the bottleneck isn’t wallets, it’s cash access.]]></description>
      <pubDate>Mon, 15 Sep 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Blockchain</category>
      <category>Remittances</category>
      <category>Off-Ramps</category>
      <category>Nigeria</category>
      <category>Argentina</category>
      <category>Philippines</category>
      <category>Inflation</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[AI Agents Already Want to Pay Each Other But They Can't]]></title>
      <link>https://vuongnguyen.com/ai-agents-already-want-to-pay-each-other-but-they-cannot/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/ai-agents-already-want-to-pay-each-other-but-they-cannot/</guid>
      <description><![CDATA[AI agents already want to transact with one another, but current financial rails block them. Stablecoins may solve storage, but intelligence layers will unlock real-time, global payments.]]></description>
      <pubDate>Thu, 11 Sep 2025 00:00:00 GMT</pubDate>
      <category>AI/ML</category>
      <category>Stablecoin</category>
      <category>Machine Economy</category>
      <category>Payments Infrastructure</category>
      <category>Micropayments</category>
      <category>Regulation</category>
      <category>Autonomous Systems</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Not Everything Needs a Token]]></title>
      <link>https://vuongnguyen.com/not-everything-needs-a-token/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/not-everything-needs-a-token/</guid>
      <description><![CDATA[Most blockchain pilots failed, but the survivors now move real value. Stablecoins, DeFi collateral, and corruption-proof records show where blockchain’s design choices actually deliver.]]></description>
      <pubDate>Tue, 09 Sep 2025 00:00:00 GMT</pubDate>
      <category>Blockchain</category>
      <category>Stablecoin</category>
      <category>Engineering</category>
      <category>DeFi</category>
      <category>Cross-Border Payments</category>
      <category>Collateral</category>
      <category>Oracle Problem</category>
      <category>Real Use Cases</category>
      <category>Infrastructure</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Stablecoins Settled 30 Trillion and Institutions Finally Understand Why]]></title>
      <link>https://vuongnguyen.com/stablecoins-settled-30-trillion-and-institutions-finally-understand-why/</link>
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      <description><![CDATA[Stablecoins settled $30T last year, surpassing Mastercard's annual volume. Unlike past cycles where institutions speculated and retreated, this time they're building production infrastructure. From Google's GCUL to JPMorgan's Onyx to BlackRock's onchain fund, institutional adoption is no longer a pilot but a commitment.]]></description>
      <pubDate>Mon, 08 Sep 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Blockchain</category>
      <category>Institutions</category>
      <category>Payments</category>
      <category>Settlement</category>
      <category>BlackRock</category>
      <category>Google</category>
      <category>JPMorgan</category>
      <category>PYUSD</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Emerging Markets Don't Need More Local Stablecoins]]></title>
      <link>https://vuongnguyen.com/emerging-markets-do-not-need-more-local-stablecoins/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/emerging-markets-do-not-need-more-local-stablecoins/</guid>
      <description><![CDATA[Africa and LATAM processed more than $250B in remittances last year, sparking calls to mint local stablecoins. But creating tokens tied to volatile currencies doesn't solve the real challenge of FX liquidity. The bigger opportunity is in building better rails and intelligence layers around existing stablecoins like USDC and USDT.]]></description>
      <pubDate>Thu, 04 Sep 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Emerging Markets</category>
      <category>Payments</category>
      <category>Remittances</category>
      <category>FX Liquidity</category>
      <category>LATAM</category>
      <category>Africa</category>
      <category>USDC</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[The GENIUS Act Didn't Regulate Stablecoins. It Broke Their Business Model]]></title>
      <link>https://vuongnguyen.com/the-genius-act-did-not-regulate-stablecoins-it-broke-their-business-model/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/the-genius-act-did-not-regulate-stablecoins-it-broke-their-business-model/</guid>
      <description><![CDATA[The GENIUS Act delivers regulatory clarity for stablecoins in the U.S., but at a cost. By eliminating yield on reserves, it destroyed the business model that sustained issuers like Circle. The float hasn't disappeared; it's shifted offshore, to banks, and into new fee structures. This change may crown Tether king of emerging markets and force U.S. issuers to reinvent themselves.]]></description>
      <pubDate>Tue, 02 Sep 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Regulation</category>
      <category>GENIUS Act</category>
      <category>Circle</category>
      <category>Tether</category>
      <category>Banking</category>
      <category>Payments</category>
      <category>Float Yield</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[The Two Trillion Dollar Remittance Market Runs on WhatsApp Not Web3]]></title>
      <link>https://vuongnguyen.com/the-two-trillion-dollar-remittance-market-runs-on-whatsapp-not-web3/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/the-two-trillion-dollar-remittance-market-runs-on-whatsapp-not-web3/</guid>
      <description><![CDATA[The global remittance market moves over $2 trillion each year, yet it runs more on WhatsApp groups than Web3 dashboards. Stablecoins already flow through corridors like Lagos, La Paz, and Buenos Aires, but users need intelligence about which tokens actually clear, not more blockchains. The next frontier is corridor intelligence, not another Layer 1.]]></description>
      <pubDate>Mon, 01 Sep 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Remittances</category>
      <category>USDT</category>
      <category>USDC</category>
      <category>Corridor Intelligence</category>
      <category>Liquidity</category>
      <category>Payments</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[The Stablecoin L1 Trap and What Fantom Collapse Teaches Us]]></title>
      <link>https://vuongnguyen.com/the-stablecoin-l1-trap-and-what-fantom-collapse-teaches-us/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/the-stablecoin-l1-trap-and-what-fantom-collapse-teaches-us/</guid>
      <description><![CDATA[Fantom, Avalanche, and Near saw billions in TVL vanish in months. Their failures show why chains collapse and why stablecoin issuers risk repeating the same mistakes. Stablecoin L1s face an even greater challenge: the moment USDC or PYUSD becomes tied to a single chain, they stop being money and start being loyalty tokens. The real opportunity is not in owning rails but in building the intelligence layer that guides how money moves across them.]]></description>
      <pubDate>Wed, 27 Aug 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Blockchain</category>
      <category>Fintech</category>
      <category>Infrastructure</category>
      <category>Token Incentives</category>
      <category>Liquidity</category>
      <category>Network Effects</category>
      <category>Payments</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Banks Won't Issue Stablecoins. They'll Control the Rails Instead]]></title>
      <link>https://vuongnguyen.com/banks-will-not-issue-stablecoins-they-will-control-the-rails-instead/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/banks-will-not-issue-stablecoins-they-will-control-the-rails-instead/</guid>
      <description><![CDATA[Banks are unlikely to issue stablecoins directly. Patents, regulations, and compliance costs make it unattractive. Instead, banks will position themselves as infrastructure providers, capturing stablecoin economics through custody, settlement, and creative fee structures while leaving issuance to players like Circle.]]></description>
      <pubDate>Tue, 26 Aug 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Banking</category>
      <category>Payments</category>
      <category>Digital Assets</category>
      <category>Regulation</category>
      <category>Settlement</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Why 90 Percent of Stablecoin L1s Will Fail in 18 Months]]></title>
      <link>https://vuongnguyen.com/why-90-percent-of-stablecoin-l1s-will-fail-in-18-months/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/why-90-percent-of-stablecoin-l1s-will-fail-in-18-months/</guid>
      <description><![CDATA[The race is on to build stablecoin-native blockchains, but most will fail. Private networks promise regulatory comfort at the cost of adoption, while public blockchains require true openness. Winning networks will not be owned by issuers but by infrastructure players who understand that in crypto, selling shovels beats digging for gold.]]></description>
      <pubDate>Mon, 25 Aug 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Blockchain</category>
      <category>Fintech</category>
      <category>Stablecoin Issuer</category>
      <category>L1</category>
      <category>Web3</category>
      <category>Payments</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[State of Stablecoin and the New Frontier]]></title>
      <link>https://vuongnguyen.com/state-of-stablecoin-and-the-new-frontier/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/state-of-stablecoin-and-the-new-frontier/</guid>
      <description><![CDATA[Wyoming has launched the Frontier Stable Token (FRNT), the first state-backed digital asset in the U.S. Built on Ethereum, Solana, and Avalanche, FRNT marks a turning point for stablecoins by signaling that states are stepping directly into the future of money. This is less a crypto experiment and more a statement about what comes next for payments and commerce.]]></description>
      <pubDate>Wed, 20 Aug 2025 00:00:00 GMT</pubDate>
      <category>Stablecoin</category>
      <category>Fintech</category>
      <category>Blockchain</category>
      <category>Fintech</category>
      <category>Web3</category>
      <category>DeFi</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Rethinking V2 and Avoiding the Rewrite Trap in the Age of AI]]></title>
      <link>https://vuongnguyen.com/rethinking-v2-avoiding-the-rewrite-trap-in-the-age-of-ai/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/rethinking-v2-avoiding-the-rewrite-trap-in-the-age-of-ai/</guid>
      <description><![CDATA[Many teams are tempted to rebuild a clean V2 from scratch, but this often fails because it discards history, tribal knowledge, and unwritten context. A more effective path is gradual migration with strong boundaries rather than extremes like full microservices. With AI reshaping the way we build, the challenge is knowing where it can augment workflows without replacing engineering discipline. The teams that thrive will move deliberately, applying clarity and judgment to every step.]]></description>
      <pubDate>Thu, 14 Aug 2025 00:00:00 GMT</pubDate>
      <category>Engineering</category>
      <category>Leadership</category>
      <category>AI/ML</category>
      <category>Rewrites</category>
      <category>Engineering Culture</category>
      <category>Software Architecture</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Phalanx Engineering: Lessons in Building Teams That Hold the Line]]></title>
      <link>https://vuongnguyen.com/phalanx-engineering/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/phalanx-engineering/</guid>
      <description><![CDATA[The phalanx offers a powerful metaphor for engineering culture. It’s not about individual heroes, but trust, discipline, and leaders who stand unshielded for their teams. Phalanx Engineering is a way of thinking about resilience that I’ve applied and refined in practice.]]></description>
      <pubDate>Fri, 08 Aug 2025 00:00:00 GMT</pubDate>
      <category>Leadership</category>
      <category>Engineering</category>
      <category>Technology</category>
      <category>Engineering Ethos</category>
      <category>Teamwork</category>
      <category>Phalanx</category>
      <category>Culture</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Scorpion Sting and the Chicken Story]]></title>
      <link>https://vuongnguyen.com/animals-i-know/the-scorpion-chicken-story/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/animals-i-know/the-scorpion-chicken-story/</guid>
      <description><![CDATA[Growing up in rural Việt Nam, I recall painful scorpion stings, strange folk remedies, and one unforgettable scene involving my mother, a chicken, and a sting on her toe. This is the Scorpion and the Chicken Story.]]></description>
      <pubDate>Sat, 23 Apr 2016 00:00:00 GMT</pubDate>
      <category>Learning</category>
      <category>Personal</category>
      <category>Writing</category>
      <category>Animal</category>
      <category>Critters</category>
      <category>Farm Life</category>
      <category>Childhood Memories</category>
      <category>Scorpion and Chicken Story</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[The Frogs and the Drum Story]]></title>
      <link>https://vuongnguyen.com/animals-i-know/the-frogs-story/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/animals-i-know/the-frogs-story/</guid>
      <description><![CDATA[Growing up in rural Việt Nam, I recall catching frogs in the rice paddies and the cruel childhood experiment of making toy drums out of frog skins. This is the Frogs and the Drum Story.]]></description>
      <pubDate>Fri, 22 Apr 2016 00:00:00 GMT</pubDate>
      <category>Learning</category>
      <category>Personal</category>
      <category>Writing</category>
      <category>Animal</category>
      <category>Critters</category>
      <category>Farm Life</category>
      <category>Childhood Memories</category>
      <category>Frogs Story</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Cricket Head on a Stick Story]]></title>
      <link>https://vuongnguyen.com/animals-i-know/the-crickets-story/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/animals-i-know/the-crickets-story/</guid>
      <description><![CDATA[Growing up in rural Việt Nam, I recall hunting crickets in the fields, keeping them as pets, and the cruel games we played as kids. This is the Crickets Story.]]></description>
      <pubDate>Thu, 21 Apr 2016 00:00:00 GMT</pubDate>
      <category>Learning</category>
      <category>Personal</category>
      <category>Writing</category>
      <category>Animal</category>
      <category>Critters</category>
      <category>Farm Life</category>
      <category>Childhood Memories</category>
      <category>Crickets Story</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Cruel Kids, The Animals I Know and How to Neuter a Cow]]></title>
      <link>https://vuongnguyen.com/animals-i-know/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/animals-i-know/</guid>
      <description><![CDATA[Growing up in rural Việt Nam, I recall the sounds, play, and animals of my childhood, from pig farms and clay toys to the stories that shaped how I understood nature and food.]]></description>
      <pubDate>Wed, 20 Apr 2016 00:00:00 GMT</pubDate>
      <category>Learning</category>
      <category>Personal</category>
      <category>Writing</category>
      <category>Animal</category>
      <category>Critters</category>
      <category>Farm Life</category>
      <category>Childhood Memories</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Thirty & Ba Mươi]]></title>
      <link>https://vuongnguyen.com/thirty-ba-muoi/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/thirty-ba-muoi/</guid>
      <description><![CDATA[On turning thirty, becoming a father, and joining a startup, I reflect on sleepless nights, work-life balance, and gratitude for my wife and family who carried me through. This post shares the thoughts I jotted down during those commutes.]]></description>
      <pubDate>Thu, 24 Apr 2014 05:00:00 GMT</pubDate>
      <category>Life</category>
      <category>Learning</category>
      <category>Creativity</category>
      <category>Personal</category>
      <category>Family</category>
      <category>Fatherhood</category>
      <category>Startup</category>
      <category>Reflection</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Personal and Business Cloud Security]]></title>
      <link>https://vuongnguyen.com/personal-business-cloud-security/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/personal-business-cloud-security/</guid>
      <description><![CDATA[Businesses and consumers are embracing cloud storage, but security questions remain urgent. Cloud security risks, provider promises, and practical solutions like encryption and credential management.]]></description>
      <pubDate>Tue, 26 Mar 2013 00:00:00 GMT</pubDate>
      <category>Technology</category>
      <category>Cloud</category>
      <category>Security</category>
      <category>Technology</category>
      <category>Business</category>
      <category>Privacy</category>
      <category>BYOD</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[My List of Commonly-Used Git Commands]]></title>
      <link>https://vuongnguyen.com/common-useful-git-commands/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/common-useful-git-commands/</guid>
      <description><![CDATA[A compiled list of commonly-used Git commands for branching, tagging, remote management, and logging, covering both everyday operations and edge cases that come up occasionally.]]></description>
      <pubDate>Mon, 28 Jan 2013 00:00:00 GMT</pubDate>
      <category>Technology</category>
      <category>Git</category>
      <category>Development</category>
      <category>Tools</category>
      <category>Programming</category>
      <category>Workflow</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Inline Read More Link in Python Using lxml]]></title>
      <link>https://vuongnguyen.com/creating-linline-read-more-link-python-pelican-lxml/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/creating-linline-read-more-link-python-pelican-lxml/</guid>
      <description><![CDATA[Using Python and lxml to insert a “read more” link inline with the last HTML element instead of breaking the layout. Includes example code and notes on contributing it back to Pelican as a plugin.]]></description>
      <pubDate>Sun, 06 Jan 2013 00:00:00 GMT</pubDate>
      <category>Technology</category>
      <category>Python</category>
      <category>lxml</category>
      <category>HTML</category>
      <category>Development</category>
      <category>Pelican</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Creating Mid-Autumn Festival Lantern for Mây Sơn]]></title>
      <link>https://vuongnguyen.com/creating-mid-autumn-festival-lantern-for-mayson/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/creating-mid-autumn-festival-lantern-for-mayson/</guid>
      <description><![CDATA[For my daughter's first Mid-Autumn Festival, I set out to design and build a dragon lantern from bamboo, Cellophane, and paper. This story captures childhood memories of Tết Trung Thu and the joy of creating something new for Mây Sơn.]]></description>
      <pubDate>Sun, 30 Sep 2012 00:00:00 GMT</pubDate>
      <category>Life</category>
      <category>Learning</category>
      <category>Creativity</category>
      <category>Arts &amp; Crafts</category>
      <category>Tết Trung Thu</category>
      <category>Mid-Autumn Festival</category>
      <category>Harvest Moon</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Eating Striped Bass Organs and Innards]]></title>
      <link>https://vuongnguyen.com/eating-striped-bass-organs-innards/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/eating-striped-bass-organs-innards/</guid>
      <description><![CDATA[Fishing with my brother has always been one of our few shared joys, and it often ends with a meal. In this story, I recall striped bass trips and the Vietnamese way of cooking every part of the fish, from head to fillet to innards.]]></description>
      <pubDate>Fri, 08 Jun 2012 00:00:00 GMT</pubDate>
      <category>Life</category>
      <category>Food</category>
      <category>Fishing</category>
      <category>Striped Bass</category>
      <category>Innards</category>
      <category>Organs</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Rice Paddy and Crabs in Viet Nam]]></title>
      <link>https://vuongnguyen.com/rice-paddy-crabs-viet-nam/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/rice-paddy-crabs-viet-nam/</guid>
      <description><![CDATA[A memory from my 2008 trip to Viet Nam, revisiting a childhood tradition of searching for rice paddy crabs with my cousin. From mud between my toes to crabs pulled from their underwater caves, this story captures the sensory details, excitement, and nostalgia of rural life.]]></description>
      <pubDate>Fri, 01 Jun 2012 05:00:00 GMT</pubDate>
      <category>Life</category>
      <category>Travel</category>
      <category>Vietnam</category>
      <category>Childhood</category>
      <category>Memories</category>
      <category>Food</category>
      <category>Culture</category>
      <author>Vuong Nguyen</author>
    </item>
    <item>
      <title><![CDATA[Hello (Learning) World]]></title>
      <link>https://vuongnguyen.com/hello-world/</link>
      <guid isPermaLink="true">https://vuongnguyen.com/hello-world/</guid>
      <description><![CDATA[My very first post. Why I finally started this blog after years of delay, what I hope to capture here, and how writing helps me learn and share along the way.]]></description>
      <pubDate>Mon, 28 May 2012 00:00:00 GMT</pubDate>
      <category>Learning</category>
      <category>PersonalBlog</category>
      <category>Learning</category>
      <category>Growth</category>
      <category>WebDevelopment</category>
      <category>StartupLife</category>
      <author>Vuong Nguyen</author>
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