@AlexH_Johnson Avatar @AlexH_Johnson Alex Johnson

There is no information about Alex Johnson in the provided tweets. The tweets appear to be a collection of random posts about fintech, AI, and related topics from various users. No specific event or news about Alex Johnson can be summarized.

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Social Influence

Social category influence finance 49% stocks 18% technology brands 17% exchanges 13% countries 2% cryptocurrencies 2% nba 1% gaming 1% products 1% social networks 1%

Social topic influence crypto 12%, coinbase 12%, fintech #382, in the 9%, prediction markets #2318, money 9%, kalshi 7%, market 4%, insurance 4%, polymarket 4%

Top accounts mentioned or mentioned by @brianphillips @sytaylor @roguecfpb @notechben @mikebelshe @mikulaja @khaslett @theoutside37204 @imperiumpaper @dustingouker @jglusmanbdic @fintechtakes @barnietaintpipe @jbsdc @marcruby @viktorbunin @bitgo @anuraagroutray @vladtenev @adyen

Top assets mentioned Coinbase Global Inc. (COIN) Robinhood Markets, Inc. (HOOD) Alphabet Inc Class A (GOOGL) Bitcoin (BTC)

Top Social Posts

Top posts by engagements in the last [--] hours

"Right up until the heat death of the universe community banks will be investing in digital account onboarding tech to make themselves more competitive with fintech companies. https://www.americanbanker.com/creditunions/news/why-small-banks-credit-unions-are-buying-onboarding-tech https://www.americanbanker.com/creditunions/news/why-small-banks-credit-unions-are-buying-onboarding-tech"
X Link 2026-02-12T06:45Z 28.1K followers, [----] engagements

"@brianphillips Can't wait to see an event contract added for where Giannis will get traded this summer https://x.com/joonlee/status/2019897990903685313s=20 A player in massive trade rumors owning part of a prediction market where people can bet on whether he gets traded is a MASSIVE conflict of interest. This is so far beyond players doing sportsbook ads. https://x.com/joonlee/status/2019897990903685313s=20 A player in massive trade rumors owning part of a prediction market where people can bet on whether he gets traded is a MASSIVE conflict of interest. This is so far beyond players doing"
X Link 2026-02-06T23:28Z 28.1K followers, [---] engagements

"To people with less than $250000 in the bank there is zero difference between an insured bank and a fully reserved bank in terms of safety. Plus the insured banking model has been pressure tested for nearly [---] years. The modern fully reserved banking model hasnt been pressure tested at all. At face value an "insured bank" sounds safer than an "uninsured bank". (referring to FDIC insurance) But what's better than an insured bank is a 100% reserve bank like @BitGo. We don't need FDIC insurance because unlike your "insured bank" we don't lend out your assets. At face value an "insured bank""
X Link 2026-02-09T21:08Z 28.1K followers, 21.4K engagements

"Really good thread 👇 Americans bet $2B on the Super Bowl. Half of men 18-49 have an active online sports betting account. Lots of people (like me) enjoy sports betting but 5% of bettors suffer serious financial harms. My new piece with @AnuraagRoutray has some ideas for addressing those harms. 1/ Americans bet $2B on the Super Bowl. Half of men 18-49 have an active online sports betting account. Lots of people (like me) enjoy sports betting but 5% of bettors suffer serious financial harms. My new piece with @AnuraagRoutray has some ideas for addressing those harms. 1/"
X Link 2026-02-09T21:10Z 28.1K followers, [----] engagements

"Theres a quote for you. SCOOP: Theres only one enforcement attorney left at the CFTCs Chicago office. Known as a group of heavy-hitters attorneys and investigators in the Chicago office have had a role in most major CFTC enforcement actions since the birth of the agency in [----]. In recent months SCOOP: Theres only one enforcement attorney left at the CFTCs Chicago office. Known as a group of heavy-hitters attorneys and investigators in the Chicago office have had a role in most major CFTC enforcement actions since the birth of the agency in [----]. In recent months"
X Link 2026-02-09T23:57Z 28.1K followers, 481.9K engagements

"This is like asking the mob to use knives instead of guns when they extort local businesses because you dont like the NRA. Last week I asked sports betting companies about Americans getting scammed by credit card companies when placing sports bets -- to the tune of a $10 junk fee just to fund a $20 bet. Glad to see Fanduel take action to protect consumers from these junk fees joining DraftKings. Last week I asked sports betting companies about Americans getting scammed by credit card companies when placing sports bets -- to the tune of a $10 junk fee just to fund a $20 bet. Glad to see"
X Link 2026-02-11T22:17Z 28.1K followers, [----] engagements

"My god its like a mission statement for ruining fintech. $HOOD CEO @vladtenev has [--] key initiatives for Robinhood in 2026: [--]. "We're pushing hard on prediction markets. We think we're in the midst of a prediction market supercycle." [--]. "Family finance. We want to get your partner on Robinhood your children your parents the whole https://t.co/rNfutcGxJW $HOOD CEO @vladtenev has [--] key initiatives for Robinhood in 2026: [--]. "We're pushing hard on prediction markets. We think we're in the midst of a prediction market supercycle." [--]. "Family finance. We want to get your partner on Robinhood your"
X Link 2026-02-12T04:45Z 28.1K followers, 10.5K engagements

"Someone check on this man right now. Danny Ainge is giving distinct Kathy Bates in Misery vibes right now. BREAKING: Utah Jazz star Jaren Jackson Jr. is likely to miss the remainder of the season to undergo surgery on his left knee to ensure his longterm health after a localized PVNS growth was discovered post trade league sources tell me. https://t.co/pHeJT8NphE BREAKING: Utah Jazz star Jaren Jackson Jr. is likely to miss the remainder of the season to undergo surgery on his left knee to ensure his longterm health after a localized PVNS growth was discovered post trade league sources tell"
X Link 2026-02-12T17:14Z 28.1K followers, [----] engagements

"All of this is nuts but these two facts are especially mindblowing: - One gambling consultant tells The Economist that By the time a customer places his first bet sportsbooks are 80-90% certain they know the lifetime value of the account. - Sportsbooks mathematically monitor players and creates a new risk score every 6-8 hours (risk score = estimate of probability that customers will wind up unprofitable). It's wild how unsophisticated and lazy banks are at understanding their customers compared to other industries. Though perhaps that's ultimately a good thing. The Economist has a great"
X Link 2026-01-16T05:47Z 28.1K followers, 2M engagements

"Dave Wasik and I revisit a Great Recession line about auto loans and consumers' repayment hierarchies: you can sleep in your car but you cant drive your house to work. Then we ask the [----] question: with work-from-home and Uber/Lyft now as substitutes does auto keep the same spot in the repayment hierarchy in the next downturn If fewer borrowers need the car to earn income does willingness to pay change Does that change apply evenly across all income and credit score brackets Whats the early signal that the hierarchy is shifting No tidy answers here but there's a real change in the lived"
X Link 2026-01-19T14:30Z 28K followers, [----] engagements

"Block has said that it's going to explore leveraging its Cash App Score (i.e. its internal underwriting model) to help customers qualify for products and services from external providers (auto lenders credit card issuers landlords etc.) I have so many questions about this including: - How helpful will the Cash App Score be to other lenders for originating higher-dollar longer-term loans given that Block almost exclusively does small-dollar short-term loans Is the predictive lift really as good as Block claims - Since the Cash App Score requires customer data from the Block ecosystem that data"
X Link 2026-02-02T23:23Z 28.1K followers, 15.2K engagements

"A user-owned financial institution that is way fucking better than banks. Did you invent a credit union Introducing the Superform App. The user-owned neobank in the palm of your hand. Now live on iOS in the US and Canada. https://t.co/dHKTcWdZfe Introducing the Superform App. The user-owned neobank in the palm of your hand. Now live on iOS in the US and Canada. https://t.co/dHKTcWdZfe"
X Link 2026-02-04T04:07Z 28.1K followers, 23.1K engagements

"@NoTechBen 1) Agree theres been a lot of dumb misinformation about this. 2) Its a bad look and he should have stayed away from it. 3) Calling Kalshi fully regulated is laughable"
X Link 2026-02-07T15:38Z 28K followers, [----] engagements

"@NoTechBen Because sports event contracts clearly arent commodities under the CEA. Prediction markets growth through sports betting has happened because of a lack of regulatory oversight from the CFTC"
X Link 2026-02-07T15:56Z 28K followers, [----] engagements

"@NoTechBen The CFTC (now under new leadership) is likely to clarify that sports bets are commodities but thats regulatory capture (Donald Trump Jr is an advisor to both Kalshi and Polymarket) that is unlikely to hold up long term IMHO"
X Link 2026-02-07T16:04Z 28K followers, [----] engagements

"I genuinely love the informed disagreement. Thank you Great point about money market funds. Those are fairly well-tested at this point though they haven't been without their hiccups over the years. I was referring to the stablecoin model for fully reserved banks which is mostly untested. I'm cautiously optimistic about GENIUS rulemaking but there are some gaps in the legislation and I would guess that we will learn some hard lessons in the process of filling in those gaps over the next 5-10 years. Regarding your point about the FDIC that's true. No insurance fund is big enough to cover all"
X Link 2026-02-09T23:20Z 28.1K followers, [---] engagements

"@theoutside37204 You're exactly right. The GENIUS Act tries to correct for some of those vulnerabilities but it's far from perfect"
X Link 2026-02-09T23:22Z 28.1K followers, [---] engagements

"@ImperiumPaper @mikebelshe That's an interesting point. PayPal's stored balances through its MTLs are definitely not insured"
X Link 2026-02-09T23:23Z 28.1K followers, [--] engagements

"A bunch of interesting points I'll try to respond to all of them in one go - My argument is specifically about insured deposits. My grandkids aren't going to pay for insured deposits. The banks pay for that insurance. Bailing out banks (and uninsured depositors) is a different thing and something I generally don't think we should do. - 24x7 is nice - No fees and 4% yield are nice too but I don't feel confident that reserve banks will always be so generous. - Global doesn't matter to me but I can see it mattering to others. - Never said banks were good at their jobs In fact I frequently argue"
X Link 2026-02-09T23:30Z 28K followers, [--] engagements

"@DustinGouker Makes more sense why everyone in crypto and prediction markets just can't wait to be "regulated" by the CFTC"
X Link 2026-02-10T03:50Z 28.1K followers, [----] engagements

"@JGlusmanBDIC Right but the insured depositors were fine"
X Link 2026-02-10T14:22Z 28.1K followers, [--] engagements

"@brianphillips Very cool and normal behavior. https://x.com/quantian1/status/2019044137987940636 Crazy story: A bank analyst published a report showing Kalshi users lose money even faster than sports gamblers so Kalshi first tried to pressure the data provider to change their data and then accused them and the analyst of conspiring to extort them when that doesnt work. https://t.co/6LNZmO9Xo5 https://x.com/quantian1/status/2019044137987940636 Crazy story: A bank analyst published a report showing Kalshi users lose money even faster than sports gamblers so Kalshi first tried to pressure the"
X Link 2026-02-04T15:17Z 28.1K followers, [---] engagements

"Hey @Adyen @Google and @stripe: WHAT THE FUCK ARE YOU DOING PROCESSING PAYMENTS FOR THIS OBVIOUS SCAM (Terrific reporting here by @JeffKauflin on scammers who I @mikulaja and Jeff have been reporting on for years.) 1/ For over a year fintech startup TomoCredit has continued selling a credit-boosting product (charging up to $1K per subscription) thats highly misleading and rarely works because the credit bureaus no longer accept its data. The customer stories are disturbing: 1/ For over a year fintech startup TomoCredit has continued selling a credit-boosting product (charging up to $1K per"
X Link 2026-02-06T23:05Z 28.1K followers, [----] engagements

"I have an easy fix. Drop sports betting from your platform and state regulators will let you innovate as much as you want. The US can either lead in financial innovation or watch it move offshore. State regulators fighting federal law isn't protecting consumers it's protecting incumbents from competition. The US can either lead in financial innovation or watch it move offshore. State regulators fighting federal law isn't protecting consumers it's protecting incumbents from competition"
X Link 2026-02-07T19:57Z 28.1K followers, 11.4K engagements

"RT @terryangelos: It has a national bank charter from the US govt 🤦"
X Link 2026-02-08T01:14Z 28.1K followers, [--] engagements

"First-party fraud passes every check. The data lines up; the customer's real. The problem is intent and intent is difficult to quantify. First-party fraud is hard to detect because it's hard to define. A PSP sees risk. A merchant sees a refund. A network sees noise. So how do you share signals without forcing everyone to agree In a recent episode of Not Fintech Investment Advice on the @FintechTakes podcast @sytaylor and I talk about what makes first-party fraud more of a qualitative problem and why blocking more transactions isn't always the fix. Its all about building memory which is what"
X Link 2026-02-09T14:30Z 28.1K followers, 14.3K engagements

"RT @khaslett: This is literally not a bank"
X Link 2026-02-09T20:29Z 28.1K followers, [--] engagements

"Great https://x.com/nickdevor_/status/2021239838435950858 UPDATE: The last attorney resigned on Monday according to people familiar with the matter. That attorney has not responded to my requests for comment. https://x.com/nickdevor_/status/2021239838435950858 UPDATE: The last attorney resigned on Monday according to people familiar with the matter. That attorney has not responded to my requests for comment"
X Link 2026-02-10T16:22Z 28.1K followers, [----] engagements

"RT @kensweet: Yeah but he invested in these things with other peoples money and they didnt ask him to do that"
X Link 2026-02-11T04:07Z 28.1K followers, [--] engagements

"I have a friend who is analyzing Polymarket data on the blockchain and it trying to identify which users are based in the U.S. He's running into some challenges and would like to chat with an expert. Who should he speak with"
X Link 2026-02-12T21:22Z 28.1K followers, [---] engagements

"Dark Avengers assemble I'm excited to announce the members of the @CFTC Innovation Advisory Committee. The IACs broad financial sector insights will help the CFTC future-proof its markets and develop clear rules of the road for the Golden Age of American Financial Markets. https://t.co/vv0sC8Mr1v I'm excited to announce the members of the @CFTC Innovation Advisory Committee. The IACs broad financial sector insights will help the CFTC future-proof its markets and develop clear rules of the road for the Golden Age of American Financial Markets. https://t.co/vv0sC8Mr1v"
X Link 2026-02-12T21:31Z 28.1K followers, [----] engagements

"Also @chargebee. Can you explain why you are comfortable continuing to make money from a company that is using your services to scam consumers"
X Link 2026-02-06T23:32Z 28.1K followers, [---] engagements

"It was a rug pull. People enjoyed it until they saw your logo and then they literally booed. That is . not good marketing. Also changing the lyrics was cowardly. If you're going to do the thing do it all the way. We just made the most talked about commercial in America. Some people loved it some people hated it. But millions sang along. https://t.co/Pg2i6DUOeF We just made the most talked about commercial in America. Some people loved it some people hated it. But millions sang along. https://t.co/Pg2i6DUOeF"
X Link 2026-02-12T17:57Z 28.1K followers, [----] engagements

"Why in the world wouldnt you want to chop the wood Thats the best part. Wood-burning fireplaces are vanishing from new luxury homes partly because owners can't handle the work involved. WSJ Mansion: https://t.co/vmcgRW2SSG Wood-burning fireplaces are vanishing from new luxury homes partly because owners can't handle the work involved. WSJ Mansion: https://t.co/vmcgRW2SSG"
X Link 2026-02-14T06:00Z 28.1K followers, 22K engagements

"Insider trading is a feature not a bug . what a take Coinbase CEO confirmed: insider trading is 100% necessary for prediction markets Brian Armstrong: "If you want truth about the world insiders are the only path" Here's the truth we must accept: - Stock markets: insider kills "fair play" - Prediction markets: insider creates https://t.co/2CK5TzZolt Coinbase CEO confirmed: insider trading is 100% necessary for prediction markets Brian Armstrong: "If you want truth about the world insiders are the only path" Here's the truth we must accept: - Stock markets: insider kills "fair play" -"
X Link 2026-01-05T18:41Z 27.7K followers, [----] engagements

""Kontigo is not a bank. Banking services are provided by the freaking blockchain." A todos los afectados (incluyndome): les Vamos a resolver en las prximas horas cuenten con eso. Kontigo se hace responsable. A los hackers: Ya sabemos quines son no quedarn impunes. Kontigo representa una alternativa de estabilidad y progreso financiero para millones de A todos los afectados (incluyndome): les Vamos a resolver en las prximas horas cuenten con eso. Kontigo se hace responsable. A los hackers: Ya sabemos quines son no quedarn impunes. Kontigo representa una alternativa de estabilidad y progreso"
X Link 2026-01-05T21:19Z 27.7K followers, 30K engagements

"Ouch. https://x.com/HiSamChacon/status/2008202025679647141s=20 Kontigo borr mi comentario de que debieron gastar en sistema de seguridad mejor antes que una casa en Silicon Valley. https://x.com/HiSamChacon/status/2008202025679647141s=20 Kontigo borr mi comentario de que debieron gastar en sistema de seguridad mejor antes que una casa en Silicon Valley"
X Link 2026-01-06T19:39Z 27.7K followers, [----] engagements

"Reality is often difficult to separate into clean binary states. https://x.com/trader_53/status/2008545328824549664s=20 Gamblers trying to collect their payout from Polymarket left baffled as they learn that the US operation carried out in Venzuela does not meet Polymarket's definition of an invasion - Marketwatch https://t.co/NBvrraK8Pa https://x.com/trader_53/status/2008545328824549664s=20 Gamblers trying to collect their payout from Polymarket left baffled as they learn that the US operation carried out in Venzuela does not meet Polymarket's definition of an invasion - Marketwatch"
X Link 2026-01-06T19:50Z 27.6K followers, [----] engagements

"But I thought banking services were provided by the freaking blockchain https://x.com/LucianoBar87966/status/2008523769200234629s=20 Kontigo comenzo a devolver los fondos a las personas afectadas por el hackeo masivono estn dejando retirar a Binance ni a cripto por seguridadlos retiros son a pago mvil https://x.com/LucianoBar87966/status/2008523769200234629s=20 Kontigo comenzo a devolver los fondos a las personas afectadas por el hackeo masivono estn dejando retirar a Binance ni a cripto por seguridadlos retiros son a pago mvil"
X Link 2026-01-06T20:01Z 27.7K followers, [----] engagements

"I would hazard a guess that most folks in fintech dont even know that Kalshi pays interest on money held on platform. It does but chaotically it would appear. https://x.com/CSP_Trading/status/2008630020231602417s=20 Every single month with Kalshi its a struggle to get them to pay out interest checks. You have to hound them on discord tag them multiple times and eventually they pay it out. Assuming they have 1b in deposits not paying on time earns them [-----] million dollars a year https://t.co/7f514DxSZQ https://x.com/CSP_Trading/status/2008630020231602417s=20 Every single month with Kalshi"
X Link 2026-01-06T21:19Z 27.7K followers, [----] engagements

"What risk are you hedging by betting on what the price of bitcoin will do in the next [--] minutes What could possibly be the utility of this https://x.com/darrenrovell/status/2009058741891813808s=20 If you dont get enough dopamine from betting on Crypto you can now on Kalshi bet whether Bitcoin will rise or fall in the next [--] minutes. What are we doing here https://t.co/9vHklhN9LJ https://x.com/darrenrovell/status/2009058741891813808s=20 If you dont get enough dopamine from betting on Crypto you can now on Kalshi bet whether Bitcoin will rise or fall in the next [--] minutes. What are we doing"
X Link 2026-01-08T04:21Z 27.8K followers, [----] engagements

"@sytaylor If prediction markets continue to grow I imagine that more guardrails to police and disincentivize insider trading in non-sports events will be developed by the companies/regulators in those industries. Everything else though will be difficult to escape"
X Link 2026-01-08T07:52Z 27.7K followers, [---] engagements

"@BarnieTaintpipe Appreciate that. And I understand your point broadly about hedging a bitcoin position. But what's the value of the 15-minute window"
X Link 2026-01-08T18:46Z 27.7K followers, [--] engagements

"@jevgenijs How obsessed are Estonian consumers with credit card rewards"
X Link 2026-01-09T22:00Z 27.7K followers, [---] engagements

"Bank lobbyists had a busy in [----] but [----] seems poised to be much busier Under this admin they have done well on issues that normal people don't care about (Basel open banking etc.) and on issues that the crypto lobby doesn't care about. Unless banks can make common cause with crypto on this one (Coinbase has a credit card Stripe now supports stablecoin-backed card issuing) they may have a problem. Just got off the phone with President @realDonaldTrump and with his full support we will be leading this legislation to lower costs for American families and to reign in greedy credit card"
X Link 2026-01-10T22:52Z 27.7K followers, 37.9K engagements

"@RogueCfpb @JBSDC Retailers are such a funny character in this whole thing. They HOWL about credit card fees while simultaneously paying fees as high or higher for BNPL. Youre right of course. If credit cards were actually threatened retailers would go to great lengths to save them"
X Link 2026-01-11T02:25Z 27.7K followers, [--] engagements

"@RogueCfpb @JBSDC Exactly. Theyve internalized the benefits of credit cards (which is why they bitch about the costs) but the benefits to retailers are massive"
X Link 2026-01-11T02:31Z 27.7K followers, [--] engagements

"When theres a structural weakness in a market that allows companies to grow by violating the law or taking excessive risks theres always at least one cartoonishly-bad example that highlights that weakness in a maximally absurd way. In BaaS that was Evolve and Synapse. Its still early innings in stablecoins but Kontigo has already emerged as an apt point of comparison. But heres the thing: These companies dont come out of nowhere and they dont do bad things in a vacuum. They have investors and partners and customers and regulators. These institutions are often perceived as sober and"
X Link 2026-01-12T01:08Z 27.9K followers, 10.2K engagements

"This strikes me as a little too advanced for this White House to have come up with it on its own but it would be smart strategy by the crypto lobby. However I would imagine banks are smart enough to not take the threat seriously. There's no way an interest rate cap passes. The timing of this -- right after the Senate Banking Committee released its crypto market structure text -- has some on the Hill and K Street speculating the White House wants to use the threat of CCCA to get banks to line up behind a compromise on stablecoin yields. The timing of this -- right after the Senate Banking"
X Link 2026-01-13T16:34Z 27.7K followers, [----] engagements

"Have any crypto trade associations crypto companies or prominent crypto advocates come out in favor of ethical guardrails as a part of CLARITY"
X Link 2026-01-13T17:43Z 27.9K followers, [---] engagements

"Large merchants have done a wonderful job convincing some members of Congress that their vendor procurement problem (we pay too much in swipe fees) is somehow a problem that the public should care about and solve for them through regulation. 👀 Asked whether he'll try to attach CCCA to crypto market structure legislation Marshall tells me: "I don't think we're quite there on making decisions on what to do with it." "Swipe fees are an inflation multiplier" and "Americans pay seven times more in swipe fees." So "if 👀 Asked whether he'll try to attach CCCA to crypto market structure legislation"
X Link 2026-01-13T19:37Z 27.7K followers, [----] engagements

"As @MarcRuby told me this morning financial services policymakers can only have two of the following three things: - Stability - Competition - Privacy. In the U.S. generally speaking I think both banks and regulators want a mix of stability and competition (though their preferred ratios differ). Crypto wants a mix of competition and privacy which makes compromising with banks and regulators on these types of bills tough. After reviewing the Senate Banking draft text over the last 48hrs Coinbase unfortunately cant support the bill as written. There are too many issues including: - A defacto"
X Link 2026-01-14T22:54Z 27.8K followers, [----] engagements

"@MarcRuby wasn't writing about crypto per se but his article ("The Policy Triangle") feels very relevant to the current moment (and it does mention the word stablecoin funnily enough). https://www.netinterest.co/p/the-policy-triangle https://www.netinterest.co/p/the-policy-triangle"
X Link 2026-01-14T22:54Z 27.8K followers, [---] engagements

"@RogueCfpb Exactly. It's just not compatible with how we do things"
X Link 2026-01-14T23:22Z 27.9K followers, [--] engagements

"I'm glad we're starting to talk about what prediction markets are doing to our culture. This piece by @brianphillips is very good. https://www.theringer.com/2026/01/14/tech/prediction-markets-betting-explained-meaning-polymarket-kalshi https://www.theringer.com/2026/01/14/tech/prediction-markets-betting-explained-meaning-polymarket-kalshi"
X Link 2026-01-14T23:44Z 27.9K followers, [---] engagements

"This is interesting. One of the reasons that Brian Armstrong said that Coinbase can't support the current draft of the Clarity Act is because it includes a "de facto ban of tokenized equities. Apparently from Coinbase's POV a de facto ban means subjecting tokenized equities to the same securities regulations as normal equities. Tells you something about why the company is interested in tokenized equities in the first place. https://www.coindesk.com/policy/2026/01/15/tokenization-firms-reject-coinbase-s-crypto-bill-equities-claims"
X Link 2026-01-16T01:43Z 27.8K followers, [----] engagements

"If Bilt can do it and be profitable The executive at Wells Fargo are laughing their asses off right now. Bilt under Ankur Jain's leadership is voluntarily capping interest rates at 10% for a year. This is the type of leadership we need from the private sector. If Bilt can do it and be profitable then we can cap interest rates at 10% for the industry. https://t.co/iULecdYpCH Bilt under Ankur Jain's leadership is voluntarily capping interest rates at 10% for a year. This is the type of leadership we need from the private sector. If Bilt can do it and be profitable then we can cap interest rates"
X Link 2026-01-16T03:51Z 27.9K followers, 122.5K engagements

"@TrungTPhan Crazy. Broke my brain a bit actually"
X Link 2026-01-17T00:58Z 27.8K followers, 10.7K engagements

"I dont think these principles are going to be enough to prevent the problems @sama rightly fears. OpenAI needs to find a way to more deeply align the interests of ChatGPT users and advertisers. I wrote about one idea for doing that: https://network.fintechtakes.com/library/9f3ecb7a-5908-47e8-8ecd-8b9b5c922328 In the coming weeks we plan to start testing ads in ChatGPT free and Go tiers. Were sharing our principles early on how well approach adsguided by putting user trust and transparency first as we work to make AI accessible to everyone. What matters most: - Responses in"
X Link 2026-01-17T01:50Z 27.8K followers, [----] engagements

"I assumed that the crypto industry would line up (grumbling) behind Coinbase and they would work with the WH to lean on banks and Congress. But seemingly the WH isnt onboard. Fascinating. One way to conceptualize whats going on here is that most of the crypto industry wants to do crypto things which banks are mostly fine with. But Coinbase wants to be a bank that gets to play by different rules and banks arent onboard with that. And the fight between the banks and Coinbase is killing the bill much to the dismay of crypto companies and the WH. 🚨SCOOP: The White House is considering pulling"
X Link 2026-01-17T04:20Z 27.8K followers, [----] engagements

"My God this is embarrassing. Stack your picks with Pro Football combos. Multi-leg contracts are here. Combine multiple predictionswinner totals and player performance into one custom contract. https://t.co/ekr1S4I4jN https://t.co/pVIbcvWA4z Stack your picks with Pro Football combos. Multi-leg contracts are here. Combine multiple predictionswinner totals and player performance into one custom contract. https://t.co/ekr1S4I4jN https://t.co/pVIbcvWA4z"
X Link 2026-01-17T05:04Z 27.9K followers, 13.2K engagements

"Great points in this thread. Theres a reason why Coinbase has made this the hill its willing to die on. I can't see Coinbase caring about the White House's threat. It earns $1 billion annually from stablecoin revenue. The enactment of market structure legislation won't grow crypto-market trading enough to offset those losses. 1/ I can't see Coinbase caring about the White House's threat. It earns $1 billion annually from stablecoin revenue. The enactment of market structure legislation won't grow crypto-market trading enough to offset those losses. 1/"
X Link 2026-01-17T17:20Z 27.9K followers, [----] engagements

"It would be smart strategy to try to split the banking lobby since community banks are the face the anti-yield argument. Indeed the banks have been doing the same: driving a wedge between Coinbase and the rest of crypto. Not sure what you could cook up to do this though In general love your posts but this is not accurate. The White House has been super constructive here. They did ask us to see if we can go figure out a deal with the banks which we're currently working on. Actually we've been cooking up some good ideas on how we can help In general love your posts but this is not accurate. The"
X Link 2026-01-17T20:37Z 27.9K followers, [----] engagements

"@permaweave Cheap highly accessible credit is tough to have without fractional reserve banking. You can certainly argue that cheap highly accessible credit isn't important or worth the other trade-offs but that's what you get in the current system in exchange for lending your deposits"
X Link 2026-01-21T03:19Z 27.9K followers, [---] engagements

"BTW it does indeed seem like the reporting on this is accurate and the White House is pissed at Coinbase for scuttling CLARITY at the last minute. https://x.com/patrickjwitt/status/2013776653902614547 No bill is better than a bad bill. What a privilege it is to be able to say those words thanks to President Trumps victory and the pro-crypto administration he has assembled. But lets not kid ourselves. There will be a crypto market structure bill its a question of https://x.com/patrickjwitt/status/2013776653902614547 No bill is better than a bad bill. What a privilege it is to be able to say"
X Link 2026-01-21T03:47Z 27.9K followers, [---] engagements

"@khaslett I need to watch the full interview but I fear not"
X Link 2026-01-21T04:03Z 27.9K followers, [---] engagements

"I think this assumes a cleaner policy transmission than we usually get. Higher deposit yields dont automatically re-route credit from assets to consumers. They mostly raise bank funding costs and tighten credit across the board. Some asset deflation may be healthy but free market yields on transactional money likely mean less credit overall not more consumer-focused credit unless you pair it with very explicit (and hard-to-execute) policy steering. And I'm guessing the Coinbases of the world would strenuously object to that steering. https://twitter.com/i/web/status/2014025098601386357"
X Link 2026-01-21T17:19Z 27.9K followers, [--] engagements

"@brianphillips A good illustration of how the value of prediction markets is often more weighted towards monetizing inside information than it is hedging risk of unknown future events. https://x.com/DustinGouker/status/2013988859642601849s=20 Important watch from @chrislhayes over on IG laying out how dumb it is that we can legally bet on pre-recorded shows that have zero utility from an economic and truth standpoint. https://t.co/kQrMHSCdes https://x.com/DustinGouker/status/2013988859642601849s=20 Important watch from @chrislhayes over on IG laying out how dumb it is that we can legally bet"
X Link 2026-01-21T20:40Z 27.9K followers, [---] engagements

"Yes Fractional reserve banking is one of the greatest innovations in economic history. It fuels growth credit and prosperity. AND the ability to control money supply liquidity and manage your own currency is a core national security issue. There is no boogeyman under your bed or Fractional reserve banking is one of the greatest innovations in economic history. It fuels growth credit and prosperity. AND the ability to control money supply liquidity and manage your own currency is a core national security issue. There is no boogeyman under your bed or"
X Link 2026-01-22T17:00Z 27.9K followers, [----] engagements

"The marketing done by the prediction markets (especially on social media) deserves more scrutiny. They constantly try to drive more betting activity even after the event in question has been settled. Why would you do that if your goal is to help the market more accurately forecast the future Answer: Because you operate a casino https://www.ingame.com/kalshi-polymarket-lies-social/ https://www.ingame.com/kalshi-polymarket-lies-social/"
X Link 2026-01-22T17:08Z 27.9K followers, [---] engagements

"@brianphillips Lying for fun and for profit https://x.com/Polymarket/status/2014343821841113474s=20 JUST IN: Jeff Bezos advises aspiring Gen Z entrepreneurs to start at real world jobs like McDonalds or Palantir before starting a business. https://x.com/Polymarket/status/2014343821841113474s=20 JUST IN: Jeff Bezos advises aspiring Gen Z entrepreneurs to start at real world jobs like McDonalds or Palantir before starting a business"
X Link 2026-01-22T21:21Z 27.9K followers, [---] engagements

"This is the best case scenario for nerds like me who are interested in obscure fintech infrastructure and data-sharing consortiums. And it's the worst case scenario for EWS and/or FIS. Getting dragged into this fight is the last thing they want. The suit here appears to be about JPMC informing ChexSystems or EWS that Trump's account had been closed which it alleges constitute trade libel and UDAPs. The suit here appears to be about JPMC informing ChexSystems or EWS that Trump's account had been closed which it alleges constitute trade libel and UDAPs"
X Link 2026-01-23T03:29Z 27.9K followers, [----] engagements

"These are also very good thoughts. Read Matts thoughts https://t.co/5BpCYyqLYC https://t.co/5BpCYyqLYC"
X Link 2026-01-24T05:34Z 27.9K followers, [----] engagements

"Find someone who loves you the way Keith loves Ramp. This post is very good. (He will regret the comments re Ramp however; Ramp is massively undervalued actually.) This post is very good. (He will regret the comments re Ramp however; Ramp is massively undervalued actually.)"
X Link 2026-01-24T14:52Z 27.9K followers, [---] engagements

"Durbin was clearly intended to protect the interests of the little guy (community banks). Apple and Google obviously don't qualify. Small neobanks on the other hand probably do. I'm sure the Consumer Bankers Association would disagree"
X Link 2021-02-08T17:38Z 27.9K followers, [--] engagements

"@kevinwack I was wondering about that one too. As I recall Upgrade is just trying to break even on the interchange/rewards exchange so maybe the partner bank is keeping all (or most) of it"
X Link 2021-02-08T17:51Z 27.9K followers, [--] engagements

"Another entry in the suddenly popular banking for couples space. Cc: @MiriamSCross Today I'm excited announce @getivella 🎉 We recently joined the YC S21 batch and raised a $475k round from @ycombinator @FinancialStudio and @jbrowder1 to build the future of banking for couples. Read more: https://t.co/0bynU90IbW Today I'm excited announce @getivella 🎉 We recently joined the YC S21 batch and raised a $475k round from @ycombinator @FinancialStudio and @jbrowder1 to build the future of banking for couples. Read more: https://t.co/0bynU90IbW"
X Link 2021-06-17T21:13Z 27.9K followers, [--] engagements

"@jentescher @LauraAlix @BensAnalysis @rshevlin @khaslett @mikulaja @dionlisle @Camp4 @PenniesMillions In a perfect world wed all be together in a room talking about this over wine :)"
X Link 2022-01-21T14:45Z 27.9K followers, [--] engagements

"I love the premise of this chart. Klarna was unable to raise at a higher valuation in their latest round because SoftBank valued them at a ridiculous premium in their last round and that is hurting the IRR for SoftBank's second Vision Fund. h/t @Ana_Lucas_Space for the chart"
X Link 2022-07-12T17:49Z 27.9K followers, [--] engagements

"It's really not wild at all. It's been the predominant way banking has worked in the U.S. for 100+ years and no insured depositor has lost their money in a bank failure since the FDIC was created in [----]. Bank lending is not risky to insured depositors. It's just not. COINBASE CEO JUST EXPOSED BANKS SCAM LIVE ON CNBC IN DAVOS: BANKS ARE LENDING CUSTOMERS' DEPOSITS WITHOUT THEIR PERMISSION THIS IS WILD https://t.co/A7Gx0jvUix COINBASE CEO JUST EXPOSED BANKS SCAM LIVE ON CNBC IN DAVOS: BANKS ARE LENDING CUSTOMERS' DEPOSITS WITHOUT THEIR PERMISSION THIS IS WILD https://t.co/A7Gx0jvUix"
X Link 2026-01-20T22:03Z 27.9K followers, 61.6K engagements

"@hexidethmal That's true but most people don't have more than $250K in liquid assets and there are numerous ways for banks to functionally extend insurance limits for the customers that do. You don't need stablecoins to solve that problem though they are obviously an option"
X Link 2026-01-21T03:17Z 27.9K followers, [---] engagements

"@jaypatel Bank lending is risky to banks (though not as much as it could be thanks to those regulators) It's not risky to insured depositors. And while the FDIC can borrow from the U.S. Treasury if it needs to it has never needed to in its 90+ year history"
X Link 2026-01-21T03:26Z 27.9K followers, [---] engagements

"Armstrong was framing it through a consumer lens which is why I focused on insured depositors. On a societal level you're trading the ability for people to get a market rate on their deposits for abundant access to cheap credit. You can argue (as Dave Ramsey does) that credit isn't important but most economists would argue that credit is essential for robust economic growth. https://twitter.com/i/web/status/2013817674912964953 https://twitter.com/i/web/status/2013817674912964953"
X Link 2026-01-21T03:35Z 27.9K followers, [----] engagements

"@deyhatemetoo The only loss on SVB was to the FDIC's insurance fund and that fund is paid for by the banks. Taxpayers didn't lose a nickel"
X Link 2026-01-21T22:04Z 27.9K followers, [--] engagements

"Obviously I had to weigh in on the Capital One-Brex deal for todays @FintechTakes essay. Read the full piece for all the details but the main points are: - This is a good deal for Brex. Not great but certainly not terrible. Early employees and investors did very well and to be blunt anyone who invested in later-stage rounds for fintech companies between [----] and [----] should be thrilled just to get their money back. - I get the strategic appeal for Capital One but theres a ton of execution risk with this deal. SMBs are not a monolith. Brex has proven to be very capable of acquiring and serving"
X Link 2026-01-24T05:25Z 27.9K followers, 16.6K engagements

"@JillCastilla Id imagine that it would especially since community banks tend to have less access to cheap wholesale funding as a replacement. To what extent do you think stablecoins will displace bank deposits And how much does the ability to offer yield make that threat worse"
X Link 2026-01-27T17:44Z 27.9K followers, [---] engagements

"Nope. A non-profane follow-up: even in a post-Chevron world it is likely that many courts will defer to the CFTC on this issue even though it seems clear (both legally and practically) that most sporting event contracts are not commodities as explained in this essay: https://network.fintechtakes.com/library/e36f4eb4-7b89-43a6-a011-ae58df381c2a https://network.fintechtakes.com/library/e36f4eb4-7b89-43a6-a011-ae58df381c2a"
X Link 2026-01-30T14:51Z 27.9K followers, [--] engagements

"It's funny because the old response from Armstrong would have been "regulators would never let us become a bank." Obviously that's not true right now which suggests that Coinbase wants privileges of being a bank without the obligations of being one. Plus some Brian vs. Brian action to the effect of hey dude maybe you should just be a bank https://t.co/u8MJzketIg Plus some Brian vs. Brian action to the effect of hey dude maybe you should just be a bank https://t.co/u8MJzketIg"
X Link 2026-01-30T17:50Z 27.9K followers, [----] engagements

"@sytaylor This is the answer to our "what is this Atticus stablecoin thing" from the podcast last month"
X Link 2025-07-02T18:00Z 28K followers, [---] engagements

"Ooh fun question In no particular order: - Plaid (open banking in the U.S. rests on its shoulders for better or worse.) - Stripe (How hard does it go on stablecoins) - Affirm (the non-bank lender Im the most bullish on by far.) - Pagaya (the canary in the coal mine for private credit.) - Ramp (why do investors love it so much) - Bilt (Can it really compete with AmEx) - Robinhood (Will shape an entire generations attitudes about financial services.) - Erebor (I have a feeling that it will play a surprisingly influential role over the next decade.) - Lead Bank (BaaS is going to consolidate down"
X Link 2025-08-07T01:51Z 28K followers, [----] engagements

"We are now officially retiring the term "seed round". Thank you for your attention to this matter"
X Link 2026-01-22T18:05Z 27.9K followers, [----] engagements

"@JonahCrane They definitely have. The hypocrisy is ridiculous. They dont we want a level playing field. They want no competitors"
X Link 2026-01-31T15:10Z 28K followers, [--] engagements

"@RogueCfpb My elder son debanked his younger brother this morning. (Debanking now just means hurting someone else's feelings.)"
X Link 2026-01-31T21:06Z 28K followers, [---] engagements

"The dumbest thing about this is that theres no point to it. Unlike its fake B2C products which it is still tricking consumers to sign up for no business is going to buy Tomos fake cashflow score. Kristy Kim is like the scam equivalent of an amoeba just acting on instinct. Fintech Biz Weekly just dropped: @TomoCredit which at this point is literally just scamming consumers is also engaged in the dumbest lawsuit in fintech -- its meritless dispute with Prism data over use of Prism's "CashScore" trademark. https://t.co/C7M6giHeYU Fintech Biz Weekly just dropped: @TomoCredit which at this point"
X Link 2026-02-01T16:50Z 28K followers, [----] engagements

"@FourtyFOURTY Even if it's sold to other lenders and used by them to make credit decisions"
X Link 2026-02-03T03:25Z 28K followers, [--] engagements

"It seems weird that Kalshi and Polymarket are both suddenly competing to give out free food in New York. Like I'm not mad about about it (food security is very important) but it is odd"
X Link 2026-02-03T20:10Z 28K followers, [----] engagements

"@elanmiller Ohh yeah deeply so. Someone compared it to a Mr. Beast video and that feels like a good analogy"
X Link 2026-02-04T15:18Z 28K followers, [--] engagements

"This touches on an idea that's important. AI companies like the word "agent" because it conveys trustworthiness. You can trust an agent to do things on your behalf because it has some duty of care to you. This idea is enshrined in agency law which governs the fiduciary relationship between agents and principals. Except . AI agents aren't actually agents. They don't owe a duty of care (or loyalty obedience or disclosure) to their users. It's just software. The software gives the surface-level appearance when you interact with it of a teacher or a doctor or a lawyer or a therapist . but it"
X Link 2026-02-04T15:33Z 28K followers, [----] engagements

"Older gambling company partners with newer gambling company so that they can jointly capitalize on a massive regulatory arbitrage opportunity. Coinbase partners with Kalshi to launch prediction markets. The most trusted name in crypto integrates the worlds leading prediction market. Millions more will have access to Kalshi. https://t.co/k4XfFRh3zm Coinbase partners with Kalshi to launch prediction markets. The most trusted name in crypto integrates the worlds leading prediction market. Millions more will have access to Kalshi. https://t.co/k4XfFRh3zm"
X Link 2025-12-17T23:23Z 28.1K followers, 14.8K engagements

"I asked a couple dozen female founders and founders of color in fintech about their experiences raising money from VCs and how that process can be improved. Heres what they said: https://workweek.com/2022/10/15/how-vcs-can-help/ https://workweek.com/2022/10/15/how-vcs-can-help/"
X Link 2022-10-15T17:38Z 28.1K followers, [---] engagements

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