Ashutosh Kumar Singh
Founder & CEO, FurlPay · Software Engineer at Skyhigh Security · NeurIPS 2026 author · Google DeepMind contributor · ex-Quantiphi
Ashutosh is a Software Engineer at Skyhigh Security (previously Quantiphi), working across ML systems and cloud infrastructure. He is a contributor to Google DeepMind and a NeurIPS 2026 author. He is building Furlpay: stablecoin payments, travel booking, and investing in one client — settled on Arbitrum. Pay in USDC, book 2.2M+ stays and flights, and let AI agents pay per-request via x402. Phishing-resistant. Compliance-aware. Zero gas.
14 articles
Zcash in October 2026: A Bug, a New Pool, an ETF and 25-Second Blocks
ZEC traded above $1,100 in mid-October 2026, months after a flaw that could have allowed undetectable counterfeiting forced Zcash to close its main shielded pool and open a new one. Here is the supply, the shielded share, the Orchard bug and Ironwood, NU7's 25-second blocks, the ETF and treasury buyers, and the EU rule that removes ZEC from regulated platforms in 2027.
October 15, 2026 · 14 min read
Stablecoins in October 2026: $306 Billion, Flat Supply, and the Networks Moving In
Dollar stablecoins total about $306 billion, almost exactly where they were a year ago, while the companies that run payments have stopped watching and started issuing. Here is the supply, issuer and chain picture measured on 15 October 2026, what is payments and what is not, and the rules that changed in the last month.
October 15, 2026 · 14 min read
Solana in October 2026: Six Days Before It Changes Consensus
SOL traded near $106 in mid-October 2026, about 64% below its all-time high, while the network moved to 200ms slots and scheduled its largest consensus change since genesis for 21 October. Here is the supply, staking, validator, client, ETF and stablecoin picture as measured from mainnet, including where widely repeated figures are wrong.
October 15, 2026 · 12 min read
Ethereum in October 2026: Cheap Blocks, Rising Supply, No Glamsterdam Date
ETH traded near $2,450 in mid-October 2026, about half its August 2025 high. A mainnet transfer costs a fraction of a cent, supply is growing about 0.9% a year rather than shrinking, around 44 million ETH is staked, and Glamsterdam has passed its first testnet with no mainnet date. Every figure is measured or sourced and dated.
October 15, 2026 · 12 min read
Bitcoin in October 2026: The Price Moved. The Rules Did Not.
Bitcoin traded in the low $80,000s on 13 October 2026, roughly a third below its October 2025 high. Meanwhile, about 95.7% of all bitcoin that will ever exist has been issued, the network secures itself with around one zettahash per second, and US spot ETFs hold close to $107 billion. Every figure here is checked and dated, including the ones that are commonly overstated.
October 15, 2026 · 11 min read
The CLARITY Act Is Not Dead. It Is Running Out of Calendar.
Updated 12 October: the 15 September cloture vote failed 49–50. Before it, prediction markets gave the CLARITY Act a 15% chance of becoming law in 2026 — and 50% by January 2028. The bill is late, not dead. Meanwhile JPMorgan settles more than $7bn a day in tokenized deposits without waiting for it. What the 15 September Senate vote decided, what atomic settlement does and does not fix, and why the strongest objections come from the people who understand market structure best.
September 7, 2026 · 23 min read
Stablecoin Transaction Volume in 2026: Circle, Tether and the Race to Build the Payment Rail
Stablecoins settled $1.79 trillion in adjusted transaction volume in June 2026, up 125% year on year. USDC accounted for approximately 67% of that volume; USDT remains the largest stablecoin by market capitalisation at more than $185 billion. An analysis of what each metric measures, where Circle and Tether actually stand, and what Visa, Mastercard, Stripe, PayPal and Coinbase are building around them.
September 7, 2026 · 15 min read
Solana Is Being Rebuilt Around Latency, Not Throughput
Updated 12 October: slot times reached 200ms in October, and Alpenglow is still not live on mainnet. In August 2026 Solana cut its slot time below 400ms for the first time since genesis, and block capacity had already risen 66% to 100M compute units. But finality still takes 12.8 seconds — the upgrade that changes that is scheduled, not shipped. What is actually live, what is not, and why the roadmap is a latency story rather than a TPS one.
September 7, 2026 · 15 min read
JPMorgan 13F Q2 2026: What the SEC Filing Actually Shows
JPMorgan reported $1,807,041,234,839 across 34,064 information-table rows for the quarter ended 30 June 2026. We parsed the original SEC XML twice and reconciled it to the dollar. Here is what the filing shows on the iShares Ethereum and Bitcoin trusts, Strategy, the bitcoin miners and the semiconductor names — and why the same filing produces different position counts, share totals and rankings depending on how the rows are read.
September 2, 2026 · 18 min read
Explore the World, One Stay at a Time: Finding Hotels, Resorts and Villas on the Map
Most hotel searches start with a text box and end with a list of 400 results you scroll past. This one starts with the world. Open the FurlPay map and explore destinations visually — 507 curated luxury properties across 79 countries, every hotel OpenStreetMap knows layered underneath, ten collections from overwater villas to alpine chalets, and rates you can settle in USDC. Here is how to actually use it.
September 1, 2026 · 11 min read
FurlPay Wallet Names Are Live: Claim the Handle Your AI Agents Will Pay With
Reserve yourname.furlpay.com — one human-readable identity for you and every agent you run. Here is why payment handles suddenly matter in 2026, how the x402 standard turned HTTP into a payment rail, exactly how reservation and consent work under the hood, and the security decisions behind binding a name to an account.
August 10, 2026 · 12 min read
Stablecoins Quietly Overtook Crypto for Cross-Border Payments — Here Is the Data
In 2025 stablecoins settled about $33 trillion on-chain, more than Visa and Mastercard combined, while Bitcoin and Ethereum's share of cross-border flows kept shrinking. The GENIUS Act, Stripe's $1.1B Bridge deal and Mastercard's $1.8B BVNK deal all landed in the same window. Here is what actually happened, with the figures checked against primary sources — and where a middleware layer like FurlPay fits.
July 18, 2026 · 12 min read
FurlPay on Your Wrist: Introducing the Wear OS App
Your portfolio, live market charts, one-tap Buy and Sell, card controls, USDC receive codes, flight booking and a voice assistant — on a watch. Here is a detailed walkthrough of every screen in the FurlPay Wear OS companion, how it stays secure without your phone, and why it is open source.
July 18, 2026 · 10 min read
Bypassing the 3% Card Tax: How I Built an x402 Settlement Layer for AI Agents and Travelers on Arbitrum
A $340 resort checkout loses $11.90 to five intermediaries before it reaches the hotel — three days later. Here is how I built Furlpay's x402 settlement layer on Arbitrum instead: the actual contract code, measured gas benchmarks from the 34-test suite, the paymaster math behind zero-gas UX, and a direct answer to 'why not just use Stripe?'
July 8, 2026 · 11 min read