@moneyflowinvest Avatar @moneyflowinvest Mike Kytka (MoneyFlow Research)

Mike Kytka (MoneyFlow Research) posts on X about $wise, wise, $duol, ai the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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Social Influence

Social category influence cryptocurrencies 32% stocks 24% finance 19% technology brands 11% countries 4% social networks 2% events 1% automotive brands 1%

Social topic influence $wise 28%, wise #1481, $duol #162, ai 12%, $adyen #9, business 10%, market 7%, in the 7%, $rely 6%, this is 5%

Top accounts mentioned or mentioned by @renesellmann @stonkmetal @stripe @kairospraxis @michaelnitzan @frankie11495 @janiscir @wolfofharcourt @alc2022 @investorbaddebt @jimcramer @awxjack @mariocibelli @andrewrangeley @upslopecapital @weckengeorg @scuttleblurb @stockopine @borrowedideas @aravsrinivas

Top assets mentioned Wise (WISE) Duolingo, Inc. (DUOL) Remitly Global, Inc. (RELY) Xometry, Inc. (XMTR) Alphabet Inc Class A (GOOGL) Morgan Stanley (MS) NuCypher (NU) PayPal Holdings Inc (PYPL) Uber Technologies, Inc. (UBER) Rocket Lab USA, Inc. Common Stock (RKLB) monday.com Ltd. (MNDY) Asana, Inc. (ASAN) Atlassian Corporation PLC (TEAM) Netflix Inc (NFLX) Noble Corporation (NE) Bitcoin (BTC) T-Mobile (TMUS) AT&T Inc. (T) Verizon Communications Inc. (VZ) Interactive Brokers Group, Inc. (IBKR)

Top Social Posts

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

"If this is because of $PYPL the market is an absolute joke"
X Link 2026-02-04T01:40Z [----] followers, [---] engagements

"Hot off the press $WISE $WISE.l"
X Link 2026-02-04T23:25Z [----] followers, [----] engagements

"Ive been checking the Wise owners page regularly for years and historically it only showed trading updates/results. Typically thirdparty conferences are few and far between. This year they suddenly list a full slate of bank conferences across the US and Europe. Thats a clear break from past practice and fits with the guided US dual listing in Q2 [----]. Looks like were firmly in the investorroadshow phase now and getting closer to the US listing going live. $WISE $WISE.L"
X Link 2026-02-08T02:58Z [----] followers, [---] engagements

"Im digging into $XMTR and the valuation just doesnt make sense. The market is pricing this like a SaaS compounder but the underlying dynamics suggest an overvalued industrial distributor. 1) A Human Service Business in an AI Wrapper $XMTR categorizes "Operations & Support" (O&S) as OpEx but this is a direct fulfillment cost. Don't take my word for it. Xometrys own documentation admits the human-heavy nature of the biz: "Behind every online quote is a team of experienced sales engineers and quality control specialists who review your parts and support your production." "With Xometry you can"
X Link 2026-02-07T23:10Z [----] followers, [---] engagements

"Freaking hilarious. @awxjack clearly has no respect for $ADYEN"
X Link 2026-02-13T21:12Z [----] followers, [---] engagements

"Normalized EBIT for $ADYEN.AS / $ADYEN is somewhere between 1.2B and 1.4B (FY 2025) putting the EV/EBIT multiple at around 17-20x. 15% of its market cap is excess cash. Normalized net income (which is 1B - 1.2B) translates to 23x - 28x. This is a company that should continue to grow 20%+ per annum for the foreseeable future. It will not be an AI casualty but rather a clear beneficiary. With short-term treasuries at 3.6% paying a 3.5% earnings yield for a compounding machine like this one makes no sense. You cannot vibe code Adyen. Platforms Unified Commerce and embedded payments all have"
X Link 2026-02-14T14:14Z [----] followers, [----] engagements

"After researching the launch of $Wise's upcoming payment gateway some more I am realizing this could be a low-key great move that flies under the radar. Not going to lie I totally dismissed it in my head as something that has [--] chance to work. Me: You have a million different established gateways/acquirers with much better features for merchants or that are compete on cost why the heck would a merchant use this one Well I THINK I figured it out. Currently Stripe effectively forces an FX conversion upon settlement for cross-border revenue unless you have your own foreign bank account linked."
X Link 2026-01-10T02:22Z [----] followers, [----] engagements

"Going exactly as expected for $WISE. Direct connection probably coming later this year assuming Canada doesnt push back the RTR launch. $WISE is officially the 1st non-bank to directly connect to the Zengin RTP network enabling instant low-cost Japan transfers. This marks their 8th live direct connection up from only [--] in [----] From my research Canada is likely to be next with RTR going live in [----]. https://t.co/nB5GWbOnR2 $WISE is officially the 1st non-bank to directly connect to the Zengin RTP network enabling instant low-cost Japan transfers. This marks their 8th live direct connection up"
X Link 2026-01-27T22:17Z [----] followers, [----] engagements

"$XMTR Thinking through a few key questions: - Is the lack of profitability (on an EBIT/FCF - SBC basis) a red flag that the core business economics aren't as robust as advertised Or is this purely a case of heavy growth investments masking the underlying earnings power - As Xometry pushes upmarket into Enterprise deals does the instant quote AI algorithm scale or does it become a liability Mispricing a $500 prototype is one thing. Mispricing $1M defense contracts crush margins. Can the algo handle that complexity - Can Workcenter/Teamspace become valuable enough at scale to materially reduce"
X Link 2026-01-28T14:29Z [----] followers, [---] engagements

"This is not a surprise. They are getting wrecked from all sides of their business. - The Paypal button is commoditizing. - Payment processing losing to $ADYEN/Stripe - Cross border losing to $WISE $RELY Crypto and BNPL are both super competitive with no true moat besides distribution scale which may not persist indefinitely. $PYPL $PYPL PayPal down 16.5% pre-market after announcing that CEO Alex Chriss will be stepping down after just two years on the job. The company also announced Q4 results where EPS and Revenue came in below analyst estimates. https://t.co/HLaAnmPFNI $PYPL PayPal down"
X Link 2026-02-03T12:33Z [----] followers, [----] engagements

"The working capital picture for $XMTR is worsening and the "Asset-Light" float is evaporating. Management narrative: aligning partner payments with receivable days to preserve the float. DPO hit [--] days in '24. However it reverted back to [--] days TTM. Management has highlighted a move toward certified suppliers for the large enterprise shift (scaled buyers). Reality is sophisticated Tier [--] shops have the bargaining power to demand Net-30. Xometry seems to be losing its working capital "interest-free loan" from its own suppliers just to keep quality high enough for the "Whales" as it moves"
X Link 2026-02-03T14:36Z [----] followers, [---] engagements

"From what I understand.there is no capital raise since it's a 1-for-1 share conversion via scheme of arrangement (new Jersey holdco above current UK entity). Zero dilution. UK shareholders will hold Depositary Interests through CREST US holders get direct shares. So for the stamp duty discount you are probably correct though there is a new 3-year SDRT exemption for new listings in the UK so not sure if that applies or not. https://twitter.com/i/web/status/2020529845948584393 https://twitter.com/i/web/status/2020529845948584393"
X Link 2026-02-08T16:07Z [----] followers, [--] engagements

"Was comparing Work Management SaaS platforms this morning: SBC as a % of Sales/FCF Monday ( $MNDY ) - 13%/45% Asana ( $ASAN ) - 28%/290% Atlassian ( $TEAM) - 26%/98% Not sure how shareholders accept so much dilution. In the case of $TEAM there is surprisingly very little dilution since they just use their inflated FCF to fund share repurchases at whatever multiple the market gives them. @UpslopeCapital Stock-based comp As A Service @UpslopeCapital Stock-based comp As A Service"
X Link 2026-01-14T13:45Z [----] followers, [----] engagements

"So glad Anthropic joined $NFLX in the pledge to never serve ads. Very noble. 🤣 Ads are coming to AI. But not to Claude. Keep thinking. https://t.co/n2yECeBWyT Ads are coming to AI. But not to Claude. Keep thinking. https://t.co/n2yECeBWyT"
X Link 2026-02-04T22:05Z [----] followers, [---] engagements

"Wow hopefully there is no system-wide contagion. BREAKING: Bitcoin falls below $64000 now down -$9000 today as selling pressure accelerates. https://t.co/0sFV9PTtkr BREAKING: Bitcoin falls below $64000 now down -$9000 today as selling pressure accelerates. https://t.co/0sFV9PTtkr"
X Link 2026-02-05T20:28Z [----] followers, [---] engagements

"Correction on the chart above [----] is actually Q3 [----] TTM"
X Link 2026-02-07T23:11Z [----] followers, [---] engagements

"The market continues to rerate $DUOL which has seen a 40% decline since my report last month. The central thesis remains: the primary risk isn't AI translation but rather the low monetization potential of its current (and future) user base. *DUOLINGO FALLS 6% PREMARKET AS T-MOBILE SET TO BEGIN AI-TRANSLATION FOR PHONE CALLS $DUOL $TMUS $T $VZ You know all the carriers will be rolling this out in rapid succession. *DUOLINGO FALLS 6% PREMARKET AS T-MOBILE SET TO BEGIN AI-TRANSLATION FOR PHONE CALLS $DUOL $TMUS $T $VZ You know all the carriers will be rolling this out in rapid succession"
X Link 2026-02-11T20:57Z [----] followers, [---] engagements

"RT @wolfofharcourt: Been saying this for some time now but AI is going to be a huge tailwind to a business like $ADYEN. A single unified p"
X Link 2026-02-11T20:57Z [----] followers, [--] engagements

"Who needs to value a company on P/Book EV/EBIT P/FCFetc when you can just use EV/App Store ranking Narrative violation in $DUOL App ranks seem to be holding up just fine 15X FCF for a 20-30% grower + a moonshot bet on becoming a major player in AI tutoring 🤔 https://t.co/qdbwl9tLu9 Narrative violation in $DUOL App ranks seem to be holding up just fine 15X FCF for a 20-30% grower + a moonshot bet on becoming a major player in AI tutoring 🤔 https://t.co/qdbwl9tLu9"
X Link 2026-02-11T22:52Z [----] followers, [---] engagements

"Normalized EBIT for $ADYEN.AS / $ADYEN is somewhere between 1.2B and 1.4B (FY 2025) putting the EV/EBIT multiple at around 17-20x. 15% of its market cap is excess cash. Normalized net income (which is 1B - 1.2B which translates to 23x - 28x. This is a company that should continue to grow 20%+ per annum for the foreseeable future. It will not be an AI casualty but rather a clear beneficiary. With short-term treasuries at 3.6% paying a 3.5% earnings yield for a compounding machine like this one makes no sense. You cannot vibe code Adyen. Platforms Unified Commerce and embedded payments all have"
X Link 2026-02-14T14:13Z [----] followers, [--] engagements

"They have multiple engines of earnings power growth (embedded financial products B2B treasure & financial services platforms unified commerce agentic commerce international expansion) in their nascent stages with huge (actual) addressable markets that are tangential to its core unified platform moat. Also a management team that is long term oriented with skin in the game who is more than capable of capturing that opportunity. https://twitter.com/i/web/status/2023074607062712500 https://twitter.com/i/web/status/2023074607062712500"
X Link 2026-02-15T16:39Z [----] followers, [--] engagements

"Unlike its peers $Adyen has a fully built tech stack not patchwork M&A. Thats a unique edge. Global merchants get simplified integration advanced fraud control and local acquiring under one roof"
X Link 2025-02-20T14:13Z [---] followers, [--] engagements

"Notably management thinks long term shunning short-term targets to focus on strategic hires and product depth. This has played out in consistently strong net-revenue growth minimal churn (excluding one large client exit in 2024) and strong relationships with marquee brands"
X Link 2025-02-20T14:13Z [---] followers, [--] engagements

"Beyond core payments $ADYEN's embedded finance offerings open new high-margin revenue streams. With profit sharing agreements customers can extend micro-loans as well as enable real-time payouts to SMBs all powered by proprietary licenses and trillions worth of payment data"
X Link 2025-02-20T14:13Z [---] followers, [--] engagements

"Bottom line: Adyens true earnings power is understated by traditional value investing metrics. Today's MoneyFlow Research paywall-free research report breaks it all down"
X Link 2025-02-20T14:13Z [---] followers, [--] engagements

"$ADYEN Report: https://moneyflowinvesting.substack.com/p/adyen-the-payments-king https://moneyflowinvesting.substack.com/p/adyen-the-payments-king"
X Link 2025-02-20T14:13Z [---] followers, [---] engagements

"@WeckenGeorg Haha fair enough. Well find out in [--] years 😉 FYI the private market values Stripe which is way less profitable at $85 billion. This means that $ADYEN which has a much higher earnings power is valued at two-thirds of Stripe"
X Link 2025-02-20T15:06Z [---] followers, [---] engagements

"No idea how I totally missed @wolfofharcourt. How silly of me. Probably no one better to follow for $ADYEN news and analysis than him. Today I published my deep-dive on $ADYEN. Even though I spent countless hours researching truthfully I almost didn't publish considering the already extensive coverage from prolific accounts like @scuttleblurb @Stock_Opine @borrowed_ideas and many others. https://t.co/zleur6R3C1 Today I published my deep-dive on $ADYEN. Even though I spent countless hours researching truthfully I almost didn't publish considering the already extensive coverage from prolific"
X Link 2025-02-20T22:45Z [---] followers, [---] engagements

"I did not see this coming. $WISE mgmt must have seen no other path to connect directly to FedNow.With the US listing and increased stablecoin adoption they may have felt a greater sense of urgency. Interestingly last Q the CEO explained why Wise doesnt apply for bank charters"
X Link 2025-07-03T11:05Z [---] followers, [----] engagements

"Sometimes the right play is right under your nose. Own assets that go up when the money supply continues to increase because the debt will have to be financed somehow. Can't think of a better bet than underwriting the government to spend more over time. $IBKR $WISE $ADYEN Now that the BBB is law Grok estimates the U.S. federal deficit to be $2.4 Trillion in [----] and $2.4-2.5 Trillion in [----]. So we'll be adding about $5 Trillion to the federal debt in the next [--] years. What the politicians didn't tell you is that the $5 Trillion debt ceiling Now that the BBB is law Grok estimates the U.S."
X Link 2025-07-08T01:52Z [---] followers, [---] engagements

"Its truly crazy to see Perplexity finance indexing the research report you spent countless hours on as a qualified report for free to all users. Love it. Thank you @AravSrinivas $WISE"
X Link 2025-08-08T00:52Z [---] followers, [----] engagements

"There is a .05% spread between $ADYEN Platforms take vs the others. Doesn't sounds like much but currently 93m pa growing 55% YoY. Since NR is essentially gross profit 100% falls to the bottom line. At the current multiple this is worth 3.7B. Can the gap be closed Just now realized that Adyen $ADYEN started sharing both net revenue and processed volume by segment. So here are the net take rates: ✔ Digital: 18bps ✔ Unified Commerce: 18bps ✔ Platforms: 12bps ✔ Average: 17bps Just now realized that Adyen $ADYEN started sharing both net revenue and processed volume by segment. So here are the net"
X Link 2025-09-09T13:01Z [---] followers, [---] engagements

"If you just can't get enough corporate speak in your life youll love listening to $RELY management. Particularly CEO Matt Oppenheimer. 😍"
X Link 2025-09-09T22:14Z [---] followers, [----] engagements

"Awesome news for $WISE. The company is now partnering with Upwork to power faster lower-cost international payouts for freelancers with initial coverage expanding in select South American APAC and European currencies starting now and rolling out further over time"
X Link 2025-09-10T15:56Z [---] followers, [----] engagements

"1/ I could be wrong but I believe Remitly One will struggle. $RELY's piton is staked on small send migrant use cases + cash payouts. Now they are trying to create new rev streams banking on its low send users not savvy enough to identify a terrible deal for their use cases"
X Link 2025-09-13T15:42Z [---] followers, [----] engagements

"2/ It costs $120 pa for a $250 credit line wallet that pays 4% interest on Wise is free) + max $5 cashback ($1.5k-$3K bal breakeven tough for paycheck-to-paycheck/low value transfer core to take advantage) & an also-ran debit card ($WISE [--] sub fees + lower take w/no FX markup)"
X Link 2025-09-13T15:42Z [---] followers, [---] engagements

"3/ Additionally Remitly is also now offering SMB payments and multi-currency accounts. I don't want to hear again that $RELY is not competing with $Wise because of its cash focus. Cash is turning more digital everyday and unlike Remitly Wise is running on its own rails"
X Link 2025-09-13T15:42Z [---] followers, [---] engagements

"@KairosPraxis Wise develops its own proprietary infra by connecting to as close to the bare metal as possible to cut the middle man (RTP networks and aggressively pursues licenses). $RELY pays for the infra of its partners such as (Dandelion Network Circle Visa Direct MC send Bridgeetc)"
X Link 2025-09-14T02:07Z [---] followers, [---] engagements

"@MichaelNitzan @MichaelNitzan Thx for pushback. Youre missing the economies of scale here: that 35p/txn savings isnt immaterial. At $WISEs TTM 153B vol scale its millions of pounds annually in cost diff which directly translates to much lower prices per txn for customers than 35p"
X Link 2025-09-14T12:59Z [---] followers, [---] engagements

"@MichaelNitzan For cash pickup you are missing my point. I am saying that this use case TAM is a shrinking one. So the edge in that area is becoming less relevant hence why $RELY is investing more in the digital space with all of these new features which is where Wise has a big advantage"
X Link 2025-09-14T13:10Z [---] followers, [---] engagements

"@MichaelNitzan Good questions [--]. On Pricing Power: "Immense" refers to the relative impact. On a small [--] transfer the fee might be 80p. The 35p cost advantage is a massive 44% of that fee. This is the pricing power: the ability to be structurally almost half the price in a high"
X Link 2025-09-14T19:37Z [---] followers, [--] engagements

"Another one $Wise now has seven live direct connections including Australia Europe Hungary Philippines Singapore United Kingdom and now Brazil. Japan Zengin is next. Hopefully Fed Now to follow. Also the Google Wallet payment partnership is now live as well. $Wise added [--] more direct connection in H1 [----] which means [--] total connections to domestic payment schemes around the world. Brazil should be coming soon as well. The company is expanding its already robust network advantage. https://t.co/6zVDku8IPU $Wise added [--] more direct connection in H1 [----] which means [--] total connections to"
X Link 2025-09-30T21:45Z [---] followers, [----] engagements

"Sooo this is the incremental marketing spend they spoke about last call. Ive been seeing $Wise ads constantly after never seeing them before. Will be interesting to see how this impacts growth after only spending a little over 3% historically"
X Link 2025-10-12T02:08Z [---] followers, [----] engagements

"Great read and thank you for the shout out @ReneSellmann $DUOL is a gamified app that helps you to learn languages (and also chess) in an addicting way. This plays on a deep human desire for authentic connection with others. We are not even close to developing . Good news: I just removed the paywall from my post Duolingo vs. the Translation Machines Will AI Kill Language Learning & If So When If youre a $DUOL shareholder or even just thinking about the stock give this one a read. Link below 👇🏻 https://t.co/9wftRMcSpm Good news: I just removed the paywall from my post Duolingo vs. the"
X Link 2025-10-21T12:04Z [---] followers, [----] engagements

"Would be a great development for $WISE. FedNow access is imminent. Fed considering a new account for payments innovators https://t.co/0NHaTb7nak Fed considering a new account for payments innovators https://t.co/0NHaTb7nak"
X Link 2025-10-21T23:07Z [---] followers, [----] engagements

"Looks like $Wise is officially dipping their toes into stablecoin land"
X Link 2025-10-22T01:01Z [---] followers, [----] engagements

"$ADYEN and $WISE continue to be remarkably similar. White labeling is a great business model especially for the long tail. Very excited to share that @Adyen is powering @Oracle Payments. The best of enterprise payments and embedded finance meets one of the worlds most powerful enterprise ecosystems https://t.co/u4uM6KJuLT Very excited to share that @Adyen is powering @Oracle Payments. The best of enterprise payments and embedded finance meets one of the worlds most powerful enterprise ecosystems https://t.co/u4uM6KJuLT"
X Link 2025-10-23T22:06Z [---] followers, [----] engagements

"If you are meaningfully invested in payments this is a MUST watch. On Crypto markets liquidity pools and FX: as you get bigger your pricing goes up because spreads widenthe market is way more efficient for startups. Todays Cheeky Pint is a deep dive on stablecoins with @zcabrams from @Stablecoin and @henri_stern from @privy_io: stablecoins as Starlink for money who should issue a stablecoin yield market dynamics improvements in blockchains and more. Timestamps: 00:00 Introducing Bridge https://t.co/kQGPkyOwCI Todays Cheeky Pint is a deep dive on stablecoins with @zcabrams from @Stablecoin and"
X Link 2025-11-05T00:22Z [---] followers, [---] engagements

"$WISE More analysis to follow but it pays to zoom out LT Growth trends: Volumes continue to trend up from Q2 [----] ✅ Customer Balances REALLY Up ✅✅ Business & Personal Prices (Intentionally) Lower ✅ Instant Transactions Up ✅ Business Users Up✅ Personal Users Steady ☑"
X Link 2025-11-06T13:48Z [---] followers, [----] engagements

"Critical to understand for $WISE X-border rev growth has not shown up yet bc take rates dropped a lot (-20%). This is an investment into its moat that is a ST headwind. However rates have stabilized and thus rev is already starting to re-accelerate which will continue into H2 $WISE More analysis to follow but it pays to zoom out LT Growth trends: Volumes continue to trend up from Q2 [----] ✅ Customer Balances REALLY Up ✅✅ Business & Personal Prices (Intentionally) Lower ✅ Instant Transactions Up ✅ Business Users Up✅ Personal Users Steady ☑ https://t.co/zVK0jh7p7I $WISE More analysis to follow"
X Link 2025-11-06T13:56Z [---] followers, [----] engagements

"@3Plantey2 @ReneSellmann The data from the last year in that chart above shows that this is not true. Volumes are increasingly growing faster relatively to take rate declines hence the positive x border revenue growth improvement. This is growing sequentially every reporting period over the last year"
X Link 2025-11-07T15:50Z [---] followers, [--] engagements

"Is $Wise about to reveal a massive Platform deal bigger than Morgan Stanley Standard Chartered and $NU In a pod with only [--] views on YT Partnerships Director in Oct teased "really exciting partnerships.very very soon" right after mentioning those past wins. Link Below"
X Link 2025-11-14T14:26Z [---] followers, [----] engagements

"My estimate for these $WISE Partnerships announcements is likely first or second week of December. Most likely after thanksgiving but prior to the holidays. Gotta love scuttlebutt Could be nothing but we shall see. Is $Wise about to reveal a massive Platform deal bigger than Morgan Stanley Standard Chartered and $NU In a pod with only [--] views on YT Partnerships Director in Oct teased "really exciting partnerships.very very soon" right after mentioning those past wins. Link Below https://t.co/LXvXq5GKKn Is $Wise about to reveal a massive Platform deal bigger than Morgan Stanley Standard"
X Link 2025-11-14T15:53Z [---] followers, [----] engagements

"A deep dive podcast episode on $Wise between @ReneSellmann and I coming out soon Stay tuned. Just finished recording We ended up talking for around two hours of which maybe [--] minutes were recorded. This was a ton of fun () and I'm sure those interested in or following the $WISE thesis will find a lot of value in what Mike shared. Just finished recording We ended up talking for around two hours of which maybe [--] minutes were recorded. This was a ton of fun () and I'm sure those interested in or following the $WISE thesis will find a lot of value in what Mike shared"
X Link 2025-11-30T22:04Z [---] followers, [----] engagements

"Here is the $WISE podcast between @ReneSellmann and I https://x.com/renesellmann/status/1995516229566509267s=46 A deep dive podcast episode on $Wise between @ReneSellmann and I coming out soon Stay tuned. https://x.com/renesellmann/status/1995516229566509267s=46 A deep dive podcast episode on $Wise between @ReneSellmann and I coming out soon Stay tuned"
X Link 2025-12-01T15:54Z [---] followers, [----] engagements

"While people are busy worrying about AI the stablecoin boiling frog risk is intensifying. A credit card promising up to 10% yield from fees earned by a cash and carry trade on crypto speculation. Have we not learned from FTX Privy is not some random company its owned by @stripe Moto is building the first AI-enabled credit card that earns yield and pays itself off. Deposit earn up to 10% spend freely settle at month-end. Smarter spending powered by a smarter wallet. Protected by Privy. Moto is building the first AI-enabled credit card that earns yield and pays itself off. Deposit earn up to"
X Link 2025-12-03T01:22Z [---] followers, [---] engagements

"Someone on the Product Team at $DUOL 🦜 really thought Duolingo wrapped was a brilliant idea but in reality they killed the bull thesis. To be in the top 90% of all users in time spent per day (engagement) you only need ONLY two and a half minutes spent per day Top 95% only [--] minutes spent per day. P99.9% is only [--] minutes per day. Terrible just terrible. This is compared to averages 30-60 minutes on platforms like TikTok Youtube and Instagram. Who cares that the DAU/MAU ratio is at 37% and growing when the vast majority of active users don't love the product they just don't want to lose"
X Link 2025-12-13T20:05Z [---] followers, 17.1K engagements

"Cross border stablecoin transfers ARE "Free" and "Instant" Just forget about the getting the money on and off the chain part . no need to worry about that small detail We are excited to share our new report on stablecoin ramps published under a grant from @EthereumFndn. Stablecoins move money faster & cheaper than traditional channels. But the real bottleneck to adoption is the cost & quality of on/off ramps. Read the report below. https://t.co/I8EeJaBjTj We are excited to share our new report on stablecoin ramps published under a grant from @EthereumFndn. Stablecoins move money faster &"
X Link 2025-12-18T13:04Z [---] followers, [----] engagements

"@InvestorBadDebt 😂😂 See the Biblical story of the Tower of Babel. We tried and it hasnt worked. This time different"
X Link 2025-12-18T15:33Z [---] followers, [--] engagements

"Posted this just last week and another 💩coin just blew up depegging to as low as [--] cents on the dollar before the issuer injected liquidity to keep the music playing. Its currently $300m+ market caps blowing up but tomorrow it will be $300B+. $USX uses similar delta-neutral strategies as sUSDe. The 1980s junk bond boom is BACK. It just lives on the blockchain now. While the market is hyper-fixated on whether the AI bubble is popping a shadow banking crisis is quietly brewing in crypto. You dont have to be @michaeljburry to see it coming. Bigger than you think. https://t.co/hSLUziWSh4 The"
X Link 2025-12-26T17:19Z [---] followers, [---] engagements

"$DUOL report sneak peek"
X Link 2025-12-31T01:52Z [---] followers, [---] engagements

"With $DUOL up 9% today it becomes increasingly overvalued despite being down 65% since May [----]. The 24x NI multiple is fake news. If you buy shares right now you are paying: - 57x normalized earnings - 43x post-SBC FCF - 8.5x EV/Sales The following adjustments have to be made at minimum (Assuming $192.6 share price): - Equity value must account for incoming unvested RSU/Founder PSU dilution of 2.27m shares increasing the true market cap $8.9B - $9.34B - GAAP Net Income is overstated 136% due to one-time tax benefits bringing the actual NI to $163.3 million - Normalized FCF is $217m after"
X Link 2026-01-05T17:52Z [---] followers, [----] engagements

"@Frankie11495 Where are you getting churn numbers Churn is likely way wayyy higher than you might think. See https://x.com/moneyflowinvest/status/1999933716261466522s=20 Someone on the Product Team at $DUOL 🦜 really thought Duolingo wrapped was a brilliant idea but in reality they killed the bull thesis. To be in the top 90% of all users in time spent per day (engagement) you only need ONLY two and a half minutes spent per day Top 95% only [--] https://t.co/xPuLieWm9U https://x.com/moneyflowinvest/status/1999933716261466522s=20 Someone on the Product Team at $DUOL 🦜 really thought Duolingo"
X Link 2026-01-05T18:32Z [---] followers, [---] engagements

"@Frankie11495 its a lot for a mid app. But not for apps like TikTok/Youtube/Instagram that are able to monetize their users at way higher clips. Also we are talking about a small number of users relatively who that applies to"
X Link 2026-01-05T18:42Z [---] followers, [--] engagements

"3/ This is THE chart the bulls are missing. By plotting these engagement percentiles the data suggests the bottom 80% of users spend [--] seconds/day or less on the app. A standard lesson is 2-3 minutes. The vast majority aren't learning every day. But when they do its just to save their streak. Its an obligation rather than a desire to stay on the app"
X Link 2026-01-07T13:51Z [---] followers, [----] engagements

"4/ I call this the "Streak Zombie" phenomenon. $DUOL users aren't returning to learn; they are returning to avoid the psychological pain of losing their streak. Even at the 90th percentile usage hovers around [--] mins/day. They are technically "active" for the DAU count but economically hollow. https://twitter.com/i/web/status/2008899177162457583 https://twitter.com/i/web/status/2008899177162457583"
X Link 2026-01-07T13:51Z [---] followers, [----] engagements

"5/ Why does this matter Saturation. With 11.5M paid subs $DUOL has likely already harvested the 10% of users with actual learning intent. The remaining 90% They aren't building habits. They are trapped in an "open-and-bounce" loop sporadically logging in or barely finishing a lesson before disappearing. They are structurally resistant to conversion"
X Link 2026-01-07T13:51Z [---] followers, [---] engagements

"6/ The behavior is finally showing up in the financials for $DUOL. For the first time since [----] Bookings growth (33%) has decisively lagged Revenue growth (41%)the widest negative spread in three years. The "Growth Inversion" is here. Duolingo is depleting its backlog much faster than it is replenishing it. Not good. https://twitter.com/i/web/status/2008899186771558708 https://twitter.com/i/web/status/2008899186771558708"
X Link 2026-01-07T13:51Z [---] followers, [---] engagements

"7/ Despite the drop $DUOL still sells for a frothy multiple (71x GAAP EBIT/53x Normalized Earnings) it no longer deserves. You can't monetize eyeballs you don't have. The smoking gun is the "English Gap": Globally 80% of language learners study English for economic necessity. On Duolingo It's less than half. Why Serious learners who need to learn english to get ahead bypass the green owl for tools that offer results not badges. $DUOL has likely already maxed out its addressable market of casuals. The high-value high-intent users are structurally out of reach."
X Link 2026-01-07T13:51Z [---] followers, [---] engagements

"8/ I break down the full bear case & forensic investigation in my latest report. Special shout out to @Speedwell_LLC for his own thoughts on my year in review scuttlebutt findings and @ReneSellmann for sharing his own analysis on the business with me. Read the report on $DUOL here: https://moneyflowinvesting.substack.com/p/duolingo-duol-the-owl-was-resurrectedr=orfi8&utm_campaign=post&utm_medium=web&triedRedirect=true https://moneyflowinvesting.substack.com/p/duolingo-duol-the-owl-was-resurrectedr=orfi8&utm_campaign=post&utm_medium=web&triedRedirect=true"
X Link 2026-01-07T13:51Z [---] followers, [---] engagements

"@Frankie11495 You do know how percentiles work It covers the active users who logged on once throughout the year. Im not averaging in MAU data Im not sure exactly what you mean by that"
X Link 2026-01-07T15:52Z [---] followers, [--] engagements

"The vast majority aren't learning every day. But when they do its just to save their streak. Im saying the data is showing that these people arent learning every day on Duolingo. They arent visiting the app every day. BUT when they do they are doing it out of an obligation to save a streak"
X Link 2026-01-07T15:54Z [---] followers, [--] engagements

"Zaslav telling $PSKY to screw off because its an LBO of a smaller company taking over a larger company is hilariously comical. The lack of self-awareness is incredible. $WBD"
X Link 2026-01-09T13:18Z [---] followers, [---] engagements

"@asymetricbets @ReneSellmann Yeah Ive been thinking about this. What do you guys think about the implications of a $WISE gateway You think itll make a meaningful volume impact Curious if this is the result of merchants asking them to do it. I bet it is"
X Link 2026-01-09T21:53Z [---] followers, [--] engagements

"Question for $PNG $KRKNF shareholders. Company is obviously killing it but. What is the one thing that actually worries you about the thesis What keeps you up at night Is it the massive Anduril concentration The risk of the primes vertically integrating The multiple (EV/Sales: 23x 189x EBIT) Curious what is the bull case from here Why don't multiples compress https://twitter.com/i/web/status/2009783357618462965 https://twitter.com/i/web/status/2009783357618462965"
X Link 2026-01-10T00:24Z [---] followers, [----] engagements

"@SloppyDave Thats a great point. Could be right This year they are much more focused on investing in the product rather than dropping fees so maybe they will get there sooner rather than later. Curious what functionality do you think are they missing the most in your view"
X Link 2026-01-10T13:19Z [---] followers, [---] engagements

"My article on $DUOL having terrible engagement from scraping "Year in Review" source data was published checks notes Jan 7th. The associated X post combined with the original X tweet received over 21k views. Alec Brondolo from Wells Fargo downgrades Duolingo on Jan 8th because of Softer Engagement Previous downgrades of Duolingo referenced "weak DAU growth" "brand fatigue" and "Competitive risks and high valuation". Another angle he could have went with was weak Bookings. Coincidence Probably but you never know. 3/ This is THE chart the bulls are missing. By plotting these engagement"
X Link 2026-01-10T14:33Z [---] followers, [----] engagements

"Yeah software problems mostly. Good news is they have the licenses (mostly). "Mgmt wants too many things at once spreads their resources too thin and is overall underspending on the initatives." where do you see that I actually see it from the standpoint that they are NOT trying to compete with everyone else but rather focus on where they win (FX). They do not need to (and will not) win every customer directly. Thats why they have Wise Platforms. I agree with your premise though that if they venture outside of their zone they will be relegated into competitive purgatory with low ROTC."
X Link 2026-01-10T15:23Z [---] followers, [--] engagements

"Whoahhh CFO Matt Skaruppa out as $DUOL CFO. Why now🤔 Also Duolingo released preliminary metrics for Q4: - DAU Growth decreased [--] points to 30%. - Bookings Growth $329.5 million - $335.5 million which would represent 40.6% YoY growth (midpoint) and a slight acceleration from last Q. 1/ $DUOL posted another banger Q3 [----] print: Bookings: +33% YoY Revenue: +41% YoY DAUs: +36% (50M) MAUs: +20% (135M) Operating Profit: +159% YoY Net Income: +1151% YoY Yet the market violently re-rated the stock sending it down 25% in a single session. It now sits 67% off https://t.co/NgWVRKmDQ8 1/ $DUOL posted"
X Link 2026-01-12T13:54Z [---] followers, [----] engagements

"As I was saying the cross border revenue growth inflection is here: Q1 2026: 1.7% YoY Q2 2026: 8.75% YoY Q3 2026: 15.27% YoY Next quarter if take rates remain steady the headwind becomes only -2.81% and we are off to the races. That said hope management continues to invest slow and steadily into rate reductions every year until we reach critical mass. $WISE $WISE.L Critical to understand for $WISE X-border rev growth has not shown up yet bc take rates dropped a lot (-20%). This is an investment into its moat that is a ST headwind. However rates have stabilized and thus rev is already starting"
X Link 2026-01-20T12:59Z [---] followers, [---] engagements

"Peter Beck is one of the most elite visionary CEOs in the world right now. At $87.82 per share $RKLB is valued at 60x sales so definitely not cheap. Despite being unproven and facing recent setbacks the market is pricing in success for Neutron to compete with SpaceX's Falcon [--]. With a $1.1B backlog Beck is building an extraordinary enterprise with toll booth power high switching costs and a low cost moat. A recent Stage [--] tank rupture adds schedule risk but the maiden flight is still targeted for mid-2026 with three missions planned this year. Will Neutron succeed and are current multiples"
X Link 2026-01-22T14:36Z [---] followers, [---] engagements

"@KairosPraxis Where did you get 5% for Q3 That was from H2 right Could be the same still just curious if you saw the metrics reported I calculated that 5% platform share of total volume represented over 60% growth YoY so not bad"
X Link 2026-01-22T14:47Z [---] followers, [---] engagements

"@jimcramer @jimcramer it's not Apple and Meta translation tools thats going to make $DUOL a bad investment its the lack of real user engagement (time spent) that makes it hard for Duolingo to monetize its ghost town of active users.and you won't find this out by looking at SEC filings. 1/ $DUOL posted another banger Q3 [----] print: Bookings: +33% YoY Revenue: +41% YoY DAUs: +36% (50M) MAUs: +20% (135M) Operating Profit: +159% YoY Net Income: +1151% YoY Yet the market violently re-rated the stock sending it down 25% in a single session. It now sits 67% off https://t.co/NgWVRKmDQ8 1/ $DUOL"
X Link 2026-01-26T03:47Z [----] followers, [---] engagements

"5/5: The takeaway G20 reforms on access and transparency support Wises business model and market position. As more markets evolve $Wise stands to benefit disproportionately. A critical report for understanding the regulatory tailwinds shaping its growth story"
X Link 2024-12-03T13:47Z [----] followers, [---] engagements

"1/ $DUOL posted another banger Q3 [----] print: Bookings: +33% YoY Revenue: +41% YoY DAUs: +36% (50M) MAUs: +20% (135M) Operating Profit: +159% YoY Net Income: +1151% YoY Yet the market violently re-rated the stock sending it down 25% in a single session. It now sits 67% off its highs. The consensus narrative blames the looming threat of AI translation. I disagree. Google Translation is a red herring. The real issue is much deeper: a forensic look at user behavior reveals the "growth" is becoming economically hollow. Here is the breakdown👇 https://twitter.com/i/web/status/2008899161349923108"
X Link 2026-01-07T13:50Z [----] followers, 18.6K engagements

"https://open.spotify.com/episode/0Lb0xsRbqwrIzmlCU1o0Qpsi=pHhD3UVlQxakY12SJK6Umg&pi=tw2tqKufTraSE https://open.spotify.com/episode/0Lb0xsRbqwrIzmlCU1o0Qpsi=pHhD3UVlQxakY12SJK6Umg&pi=tw2tqKufTraSE"
X Link 2026-02-04T23:25Z [----] followers, [---] engagements

"Wow Just checked on $VTY after @Uzocapital mentioned it on @marketplunger1's pod. I looked into it but put it in too-hard pile due to Partnership's reliance on gov subsidies. Looks like it understated costs on [--] developmentsany thoughts if this is a one-off or deeper issue"
X Link 2024-10-12T20:33Z [----] followers, [----] engagements

"So glad I decided to put this one in my too hard pile. $VTY $VTY.L"
X Link 2024-11-08T14:54Z [----] followers, [----] engagements

"And just like that the COO is out. The thesis seems to be unraveling rapidly for Vistry. $VTY $VTY.L"
X Link 2024-11-20T11:17Z [----] followers, [----] engagements

"$WISE $WISE.L G20 Report: https://wise.com/p/g20-report https://wise.com/p/g20-report"
X Link 2024-12-03T13:47Z [----] followers, [---] engagements

"Oofff another whiff for Vistry. You know its bad when the news hits on Christmas Eve. $VTY $VTY.l There we go again with Vistry $VTY. I think now we might enter the 🤮 phase for the stock with even the strong bulls selling. What do you think https://t.co/18HNgpPIGN There we go again with Vistry $VTY. I think now we might enter the 🤮 phase for the stock with even the strong bulls selling. What do you think https://t.co/18HNgpPIGN"
X Link 2024-12-24T15:32Z [----] followers, [----] engagements

"$WISE is officially the 1st non-bank to directly connect to the Zengin RTP network enabling instant low-cost Japan transfers. This marks their 8th live direct connection up from only [--] in [----] From my research Canada is likely to be next with RTR going live in 2026"
X Link 2025-11-25T13:12Z [----] followers, [----] engagements

"Here is the list of $Wise Platform wins announced since this MONEY 20/20 podcast. Not the splash I was hoping for but there was a handful of solid ones especially Gusto which may have the most potential since payroll has high volume characteristics. GoTyme Bank (Nov 11): 7.8M+ customers Wealthsimple (Nov 12): 3M+ customers & $100B AUA Gusto (Nov 19): 400k+ SMBs Aspire HK Expansion (Dec 8): 50k+ customers EQ Bank (Dec 15): 780k+ customers & $138B AUM Is $Wise about to reveal a massive Platform deal bigger than Morgan Stanley Standard Chartered and $NU In a pod with only [--] views on YT"
X Link 2025-12-18T22:53Z [----] followers, [----] engagements

"What are the cult stocks of the next decade that will grow to hundreds of billions or trillions of dollars What do you think will be the next $TSLA $PLTR.etc Some ideas I've seen floating around: $RKLB $LUNR $ASTS $OKLO $SOUN $FLY Anduril What do you got"
X Link 2026-01-16T13:13Z [----] followers, [---] engagements

"The Antonio Linares @alc2022 $DUOL 100x bagger bulls are discussing my deep dive on their little slack chat. I'm flattered 😂 [--] coupons left to obtain lifetime access to my course and community for just $329 instead of $399. The community has over [---] deep divers now thatve taken the course https://t.co/Ge7fNgVRpT [--] coupons left to obtain lifetime access to my course and community for just $329 instead of $399. The community has over [---] deep divers now thatve taken the course https://t.co/Ge7fNgVRpT"
X Link 2026-01-26T19:51Z [----] followers, [----] engagements

"Happy 1k followers appreciation post 🥳🥳"
X Link 2026-01-27T01:30Z [----] followers, [---] engagements

"@TheAtomicMoat @jimcramer I agree with your last part except you have no idea what the churn numbers are unless you have data I dont have. We shall see"
X Link 2026-01-27T23:15Z [----] followers, [--] engagements

"We are going to need to print more GPUs. $NVDA Google Genie is seriously mind bending. This is a Text To World prompt of a man walking down Hollywood Blvd. I am not only controlling the movement of the man but also the camera. This is the World Model we've been waiting for. More Below https://t.co/ojQHhpNKDM Google Genie is seriously mind bending. This is a Text To World prompt of a man walking down Hollywood Blvd. I am not only controlling the movement of the man but also the camera. This is the World Model we've been waiting for. More Below https://t.co/ojQHhpNKDM"
X Link 2026-01-30T12:08Z [----] followers, [---] engagements

"$DUOL is down 25% the CFO is out and it hasn't even been a month since I published the report 1/ $DUOL posted another banger Q3 [----] print: Bookings: +33% YoY Revenue: +41% YoY DAUs: +36% (50M) MAUs: +20% (135M) Operating Profit: +159% YoY Net Income: +1151% YoY Yet the market violently re-rated the stock sending it down 25% in a single session. It now sits 67% off https://t.co/NgWVRKmDQ8 1/ $DUOL posted another banger Q3 [----] print: Bookings: +33% YoY Revenue: +41% YoY DAUs: +36% (50M) MAUs: +20% (135M) Operating Profit: +159% YoY Net Income: +1151% YoY Yet the market violently re-rated the"
X Link 2026-01-31T13:26Z [----] followers, [---] engagements

"If you are a big Nick Sleep fan but you arent invested in $WISE / $WISE.L I dont know what to tell you. Economies of scale-shared is one of if not THE most powerful business models of all time imo. When Nick Sleep discovered the power of sharing scale economies as a business model he went all-in on that model in Nomad's portfolio Building something exceptional requires laser-like focus https://t.co/EFi8z4DCqZ When Nick Sleep discovered the power of sharing scale economies as a business model he went all-in on that model in Nomad's portfolio Building something exceptional requires laser-like"
X Link 2024-12-20T04:38Z [----] followers, [----] engagements

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