fintechs don’t want bank partnerships, they want APIs and programmable wallets. Once stablecoin issuers offer that w/out the operational drag of legacy cores and bank partnerships, devs will flip. Master accounts are nice. BaaS has to embrace stablecoin for treasury/rails

If you have a team w/ a purpose this type of "what are we even talking about" nonsense disappears. You also likely need to fire some people and get back to a group with full workloads

Wild that we never built on-chain content ownership before the AI boom. Attribution could’ve been a layer. Instead, creators are cut out while their work fuels trillion-dollar moats. This could’ve been a gold rush, but it’s become a gold mine for a few

Soon it is going to be not who you know but who your agent knows. Procurement, sponsor bank discovery, domain experts, etc

The Decisionmaker youtu.be/qf-_bRjZ38U?si… via YouTube

Social media is a madhouse. A cacophony of people who cannot sit quietly with themselves. I am going to further reduce social media. Stop creating podcasts. Delete some apps. Time is short.

great company

What does this mean for "all digital" banks? Fintechs with OCC charters + Fed master accounts move from "layer on top" to full-stack banks

Peter Thiel looks like he's hiding a zombie bite from the squad

I do my best work on planes. The excitement of landing somewhere cool. No interruptions. The offline brain. Working on the company, rather than in the company, requires a certain mental shift that the normal working day doesn't afford us

Plan to look at this in detail

I'll run it Elon Musk

#bhamfintech was really the best conference in a while. Roll tide

the powers that be are well on their way to being the powers that were

supergrok anime girl ctos are a thing now

Colbert in character at 2011 congressional hearing youtu.be/ewPburLEZyY?si… absolute legend

on the way to #fintechdevcon

the race to legitimizing agentic commerce carries on

It might be just me, but I want the YC-sphere to stfu. Stop saying things for a while YC is the joe rogan of startup world