Andrew Row @andrewrow
Payments at Uber, Facebook, Twitter, and most importantly Obopay. Palo Alto, CA Joined May 2009-
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@tobiaschneider @Olivair2 Mentava is the real deal.
The golden years of AirBNB were a temporary arbitrage on depreciation. There was a universe of beautiful well-maintained properties and hosts that had not been worn down by short term guests. And the AirBNB hosts didn’t properly estimate the cost of depreciation to maintain that standard, so costs were irrationally low That era fundamentally cant return, it was a temporary arbitrage opportunity There was once a supply of fairly pristine unused space and now there’s not If a space does manage to hit the 2014 standard, it must charge a lot more to fight depreciation And at that point a hotel is generally better
CEOs are uniquely prone to AI psychosis because they’re sufficiently distant from the last mile of work that still has to happen to generate most value with AI. So when they play with AI, they see the happy path results, often not considering the next 10 or 20 things that have to happen to get sustainable results from agents. “Look I made this awesome product prototype”. Yes but you didn’t have to review the code before it went into production and fix a bunch of issues. “Look I generated a contract”. Yes but you didn’t verify all the terms before it goes out to the counterparty and didn’t have to wire up all the past contracts to work with. The best thing you can do as a CEO is to use AI a *ton* to figure out the real implications of agents in the enterprise, and come out the other side with an appreciation for both the upside and the real work that goes into them.
CEOs are the most delusional about AI. Detached from reality.
@MilesPerHoward I’ve pitched this to a number of people. I think it’s a huge problem!
@TriciaDearborn I’ve found the same in business and academic writing, too. People give me business docs written by AI and at first glance it looks amazing, but it’s impossible to unpack or make changes. Not the case where ideas were human outlined then AI filled in the words.
@ajlamesa Payment providers used to pitch this when I led payments teams at Uber (10 years ago), we said “never bring this up again.” It was too shady for Uber under TK.
@UltraRunnerPod Wait, a cal state is hard to get into now?
@eschadiol Check out the Subminimal coffee scale, first in the wild example I’ve seen (great product too).
@leahfrombklyn It also feels like people are imagining a time when coffee shops existed without laptops? Go back 10 years and there were a LOT fewer coffee shops, but people were still there on their laptops. Either way, the coffee is much better now.
@devahaz 💯 noticed this one too. And ya know what, it worked.
Still more evidence that EdTech harmed American education: Across states, the year that the state imposed mandates requiring computers/tablets, that's the year that test scores stopped rising and in most cases started falling. From Jared Cooney Horvath thedigitaldelusion.substack.com/p/when-correla…
Bluey
Which TV show has never had a bad episode?
@GaloAndStuff “Clarity” option using Lightroom.
@MrDanielBuck My schooling saw the transition between the two, I remember as a kid and teen thinking “what is this, how am I supposed to think through this when I haven’t been taught it yet.” My math foundation forever damaged by 8th grade “new math” algebra, a class with no textbook…
I taught during the rise of Chromebooks in classrooms and it was a nightmare Kids cheating rampantly, Googling every single fact, refusing to read assuming that copy and pasting things from Wikipedia counted as an answer Students were regularly able to circumvent controls to watch porn, play video games, and watch movies or YouTube in class Students used shared Google Docs to gossip, bully each other, and plan crime (not joking) Everyone knew it was a disaster but the district refused to stop using them because “this is the future, kids need to learn computers”, plus massive amounts of funding were tied to them Mandatory testing was done on the computers and they were used for IEP accommodations so they were unavoidable Eventually, things got so bad that despite vigorous protests from parents and administrators, I went almost entirely analog, requiring students only use paper and textbook except for state mandated tests That worked really well until COVID, where remote learning once again became mandatory Even after the return to classrooms administration required everything be accessible online at all times, so there was no longer any option to stop the digital distractions A true nightmare for teachers and a system that has radically failed students
The attention crisis is so dire at schools right now that film professors can't even get their students to finish movies, and the kids don't even look up the plots of the movies they skip, so students fail basic in-class quizzes like "what happened at the end of the movie?"
Simon Taylor @sytaylor
71K Followers 5K Following #Fintech Geek. Ranting @ https://t.co/u3KhcpA0w9 - Views 100% my own
Jason Mikula @mikulaja
29K Followers 4K Following 2-bit amateur wannabe reporter @ Fintech Biz Weekly | Fmr Goldman, Enova, Ret. Peace Corps Vol | Literally wrote the book on BaaS | Signal: mikulaja.01 | 🇳🇱
Peter @peter
19K Followers 3K Following serial operator + investor in fintech, B2B SaaS, AI; @communitascap prev: @m12vc, @getvgs, @jobyinc; exited to @jpmorgan; head of @Visa Ventures; stats nerd
Tom Noyes @noyesclt
10K Followers 207 Following Pymts Geek, Network Theory, Founder/CEO, Advisor/Investor. Former: NASA Engineer, Bank Exec, Oracle, 4 exits. Building teams connecting great people. SDG
Jared Franklin @jsfranklin221
4K Followers 3K Following building/tinkering | previously: stripe, blispay, paypal & some vc but mostly product management | goldenist 🐶 x3
Richard Turrin @richardturrin
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Nancy M @29c60f7252f44c7
16 Followers 730 Following heart on shuffle, soul on soft mode 🎧 follow back
Plawqcan @Plawqcan1272
2 Followers 67 Following
Molly Goodman 🏘️ @MollyRose_Good
3K Followers 5K Following Think before you speak, read before you think & if you can't explain it simply then you don't understand it well enough | she/her @AbundantHomesMA
Fintech Law Man @Ed_Fin_Law
53 Followers 241 Following Fintech legal expert 💼 | Always up for a fintech debate over a pint 🍺🍺🍺.
Julien Brault @julienbrault
17K Followers 2K Following Learn the secrets of the fastest growing fintech in the world. Sign-up now to my FREE newsletter Fintech Growth Insider.
Wanangwa Chirwa @wxchirwa
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Deauvor @DeauvorwMUvC
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Groaple @GroaplejGX6wJL
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Shewpsou @ShewpsouIMt
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Caretaker @kunimitsuw98453
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Glewdea @GlewdeaZ5Rb
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Paul Dubé @PaulTroonTech
924 Followers 4K Following To change is to think greater than your than your environment - Partner at https://t.co/PNCy4EVbeL a Web 3.0 VC and https://t.co/qhMrE7qGi7
namo @artymcarthurplz
66 Followers 2K Following
sprayandpray @sprayandpray4
131 Followers 2K Following there are no maverick molecules in the universe
Chris Miles @theVLVTnote
107 Followers 721 Following Marketplace PM @ Stack | Building B2B Platforms that Power SMB Growth | Former ServiceTitan, ADP, VSaaS Founder
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Thenooson @ThenoosonmLH0
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Teser @Teser_zClXV
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TinaHolmes @uNbktk2A0zTcc
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Siri @Siri353944
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baby Sincerely servin... @PaulineUs87695
55 Followers 2K Following As a public relations representative of Baby Company, I have rich marketing experience and expertise, I am committed to building good relationships with custome
Jesse Silverman @jbsilverman
614 Followers 946 Following Fintech and stuff. General Counsel at Hometap. No legal advice here, just idle chit chat based on lots of years in the biz.
Rogue CFPB @RogueCfpb
2K Followers 2K Following All opinions are my own. Unless they suck, in which case they’re property of my employer. I know the difference between a push and pull payment
PagRudolph @pG03PxUfNNwSSw
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Julia @arinobeshi2727
80 Followers 7K Following Building on the XRP ledger. ♥ Wife, kids, 🦜 & programming (TS, nodejs, Linux ..)
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Noodeigh @noodeigh54863
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Tosuthesm @tosuthesm59835
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Jamie B. Quynn 🐥�... @JamieBQuynn13
40K Followers 42K Following Proud mom of 2. German American (she/her)🇩🇪🇺🇸. 💙 Education consultant in Bangkok. Photographer. Traveler. #Resist 🌊 #BLM #WorldSnap #이승기 🇰🇷🇹🇭🏳️🌈
Keanu Reeves @KeanuReeve9690
59 Followers 1K Following
Touwha @touwha57965
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Luke Massie @LukeMassie
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daniel stoes @daniel_stoes
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👀👀 @Dirty_Capital
99 Followers 208 Following AI | Payments | MicroVC investing in early stage 🌱… better returns than a Chamath SPAC
Jason Mikula @mikulaja
29K Followers 4K Following 2-bit amateur wannabe reporter @ Fintech Biz Weekly | Fmr Goldman, Enova, Ret. Peace Corps Vol | Literally wrote the book on BaaS | Signal: mikulaja.01 | 🇳🇱
Spiro’s Ghost @AntiToxicPeople
243K Followers 105 Following Toxic people suck, they are insidious & cause serious, long term damage in so many ways. Speak out against them loudly when able. Politically moderate.
Linsey Marr linseymar... @linseymarr
67K Followers 111 Following Engineering professor @virginia_tech with expertise in airborne transmission of viruses and air quality. Avid recreational athlete.
Patrick De Haan @GasBuddyGuy
108K Followers 2K Following fuel prices, explained honestly data over politics, no tolerance for BS. integrity matters thousands of interviews, trusted by every White House administration
Gregory Brew @gbrew24
58K Followers 4K Following Senior Analyst, Iran and Oil @EurasiaGroup. Formerly @ISSYale. Author of "The Struggle for Iran" and "Petroleum and Progress in Iran." Views my own.
JH @CRUDEOIL231
60K Followers 341 Following PM at the Hedge Fund Arm of Global Physical Commodity Trading House / Macro, Commodities, FICC / Middle and Far East representation / Travelers worldwide
Rory Johnston @Rory_Johnston
106K Followers 1K Following oil market researcher | founder of https://t.co/8wKzFUwRqf | former bank economist | markets, code, barbecue | subscribe to my research:
Eric Nuttall @ericnuttall
132K Followers 456 Following Father of 3, husband, & energy investor. Proponent of the Canadian energy patch & occasional market commentator. https://t.co/WVA6oG8CCO
TRENDING ➞ 911 @911NewsBreaks
187K Followers 56 Following ➞ Trending Alerts Politics | Crime | Business | Money | Sports | Entertainment | Speculation Markets | Weather | Tech | Health | Investigative | 📈
Garrick Dion @GareRick
9K Followers 9K Following Story & Script Consultant. Writer/Producer. Definitely movies. And art, animals, edibles, beauty, bawdy, nature, nonsense. https://t.co/LWBDMVHXi0…
Brandan P. Buck @brandan_buck
5K Followers 720 Following Historian of American Noninterventionism Foreign Policy Research Fellow @CatoFP https://t.co/6iAJLOzVCa Virginia Piedmont Provincialist
Brian Poncy @brian_poncy
2K Followers 357 Following school psychologist, professor, University of Tennessee Alumni, creator Facts on Fire & the M.I.N.D. computation materials, Math Researcher
AMK Mapping 🇳🇿 @AMK_Mapping_
167K Followers 940 Following Realistic Pro-Ukr news account and mapper. Focusing on Ukraine & The Middle East. Telegram channel: https://t.co/o9LgiPOvjp Support me: https://t.co/xNqDUmFC6b
Roger Sollenberger @SollenbergerRC
118K Followers 5K Following Politics reporter. Former @thedailybeast. Tips: [email protected]
J. Holt the Illustrat... @jholtillus
10K Followers 596 Following An Appalachian drawing myth & fable. Anglo-Saxon graphic novel of faith and penance in progress. Art prof.🏺Love wife. 5 kids. Trying to follow Christ.
Dante Reminick @DanteReminick
3K Followers 777 Following Missionary of better money. Radically obsessed with stablecoins, payments & commerce.
Dilum Sanjaya @DilumSanjaya
53K Followers 401 Following Software Engineer | Showcasing unique AI applications for Science & Engineering 💡Open Source https://t.co/02nVJK3OQK https://t.co/fzTHdVmiYr 🎬 https://t.co/cOGQInDnYV
Vicharak @Vicharak_In
14K Followers 6 Following We make computers that you can use to build robots, drones, intelligent machines, IoT solutions, or simply for fun and experimentation
Quoth the Raven @QTRResearch
296K Followers 2K Following All personal opinion & snark | Not financial advice | PLEASE read my disclaimer: https://t.co/s7AtYCmH6f
Mentava Reading 🐮 @MentavaInc
7K Followers 259 Following Our software teaches preschoolers to read. Get our best-selling Alphabet Sounds book for free here https://t.co/WjsQP40GwH
David Z. Morris @davidzmorris
16K Followers 6K Following Tech + Finance Understander @ZKZeroKnowledge Book: "Stealing the Future: SBF and Elite Fraud" 'Hardcore' - NYMag X-Fortune, CoinDesk PhD @uiowa
Cheddar Flow @CheddarFlow
358K Followers 100 Following Covering Unusual Options Flow + Dark Pools + Gamma Exposure In Real Time. Free course: https://t.co/hY4cg1xx1N
Flow God @FL0WG0D
106K Followers 253 Following Sub to my X for exclusive post | Master flow yourself: Real-time tracking, AI alerts & instant phone notifications. Use link below — code FLOW for 20% off!
Marilyn Moedinger @mwmoedinger
38K Followers 939 Following Founder @RuncibleStudios. Architect, Designer, Consultant. RE o/o. Former GC and professor. History, art, space, etc. Downloads, Podcast, and more 👇
Shameless Frontier Ma... @jamesdecker2006
4K Followers 2K Following Just a small town mayor with occasionally blue hair. #StamfordTexas propagandist. #Westof98 essayist/podcaster. Rural agitator. Alleged Methodist. Lawyer.
SaveOnSend @SaveOnSend
780 Followers 43 Following Read, share, contribute knowledge about cross-border money transfers. Stop assuming. Start learning and saving.
TRM Labs @trmlabs
16K Followers 150 Following Preventing fraud and financial crime for digital currencies
⚯ Michel de Cryptad... @Cryptadamist
14K Followers 2K Following "in the land of the coins the man who makes it to dubai is king" (often held in The Shadows of Bǟǟn by The Brothren, you may not see me tweet unless you 🔔)
Arfur Rock @ArfurRock
40K Followers 5K Following anon GP at your favorite multi-stage VC // OS intel for the private markets
Yakov Kofner @csuitecounsel
243 Followers 42 Following FSI Digital Transformation publisher: subscribe👇| Ex- BW, Amex, MC | Ex-McK, Gartner | Wharton & IU
Amanda Fischer @amandalfischer
6K Followers 3K Following financial policy @bettermarkets. Former SEC chief of staff and adviser in the U.S. House and Senate.
Timothy Snyder @TimothyDSnyder
584K Followers 93 Following Temerty Prof @munkschool @UofT; Fellow @IWM_Vienna; Emer. Levin Prof @Yale "On Freedom" "On Tyranny" "Our Malady" "Road to Unfreedom" "Black Earth" "Bloodlands"
John Paul Koning @jp_koning
28K Followers 582 Following monetary economics|history of money|central banking|coinage|financial privacy|payments|gold|financial inclusion|cryptocurrency|monetary law|financial crime
Tim Duncan @NotThatTimD
913 Followers 349 Following Director of Ai at BU School of Law and teach legal courses on Ai & Digital Finance. Former entrepreneur, exec and one time Head of Technology at CFPB.
jonny sun @jonnysun
452K Followers 2K Following tv writer (bojack horseman; mrs. davis; a new netflix series) & nyt best selling author (goodbye, again; gmorning gnight; everyones a aliebn). (he/him)
Trent Telenko @TrentTelenko
168K Followers 854 Following Divorced father of four great kids, Retired US DoD Civil Servant, Section 22 Special Interest Group list admin, Chicagoboyz-dot-net history blogger
walt @waltrcox
2K Followers 56 Following Six startups, three corporates, leading banking products at Jaris. Banking/Payments/FinTech. Hard fought opinions mine. Let's build.
ron insana @rinsana
29K Followers 2K Following I'm MS Now's Senior Business Analyst, author of "The Message of the Markets" on Substack, a public speaker & observer of all things economy and market-related.
Michael Burry Stock T... @burrytracker
524K Followers 136 Following Tracking hedge funds and Burry’s stocks. Powered by @joinautopilot
Insider Radar @InsiderRadar
39K Followers 1 Following Alerts on significant insider trading activity
EU says Elon should n... @emptywheel
296K Followers 6K Following Abundant tweets about civil liberties & national security*** Legendary potty mouth*** Also at @[email protected] & @emptywheel.bsky.social 🗽🇪🇺
Martin Shkreli @MartinShkreli
573K Followers 9K Following https://t.co/vJE5wyGbhv https://t.co/GUy99qMPSm - join our start-up focused Discord! [email protected]
Quiver Quantitative @QuiverQuant
437K Followers 873 Following Bridging the information gap between Main Street and Wall Street. Disclaimer: https://t.co/dIbqx0Q4fW
Palmer Luckey @PalmerLuckey
982K Followers 2K Following I am a technology enthusiast, writer, and modder. Founder of @ModRetro, @Oculus VR, and @Anduriltech. Keeping American superheroes safe with autonomous systems.
Cartoons Hate Her! @CartoonsHateHer
61K Followers 1K Following Author of WILL THERE BE FREE FOOD?, a series of true comedic personal essays, available on Substack to paid subscribers. hacking survivor.
Basel Musharbash @musharbash_b
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Vice President Kamala... @VP46Archive
14.3M Followers 6 Following This is an archive of a Biden administration account, maintained by the National Archives and Records Administration.




















