Dear Bankless Nation,

Happy Q4! The markets are starting off the quarter right – dig into our Market Monday links at the very bottom to see what catalysts are driving investment.

But first, we're walking you through Umbra – a privacy-preserving protocol for sending and receiving payments in a stealthy way.

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* Bankless team holds crypto assets and advise crypto projects. POAP and BlockNative are included in our disclosures. See our complete investment disclosures here

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