@yanhaijin Avatar @yanhaijin yanhaijin

yanhaijin posts on X about wise, $wise, business, in the the most. They currently have [---] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.

Engagements: [---] #

Engagements Line Chart

Mentions: [--] #

Mentions Line Chart

Followers: [---] #

Followers Line Chart

CreatorRank: [---------] #

CreatorRank Line Chart

Social Influence

Social category influence cryptocurrencies 33.66% finance 21.78% stocks 10.89% countries 1.98% financial services 0.99%

Social topic influence wise #1322, $wise #2, business 10.89%, in the 7.92%, money 7.92%, $brze #26, the most 3.96%, core 3.96%, the next 3.96%, the first 3.96%

Top accounts mentioned or mentioned by @wise @meilimaxwell @avidxchange @smoothinvesting

Top assets mentioned Wise (WISE) Braze Inc. (BRZE) AppLovin Corporation (APP) Klarna Group plc (KLAR) Morgan Stanley (MS)

Top Social Posts

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

"$Adyen is the most amazing business i've ever seen. I think the EBITDA margin will clime to 70-75% in the next five years and even further to 80% in ten years"
X Link 2021-08-19T05:55Z [---] followers, [--] engagements

"AppLovin will be the third largest mobile ad platform"
X Link 2021-11-15T12:56Z [---] followers, [--] engagements

"very impressive result. Hot off the press 🔥 From growing our team to [----] Wisers helping us move 6bn around the world to opening an office in Austin here're a few highlights from the past six months as well as some big news. On top of that our financial results are out:https://t.co/jZeyDsOAgb https://t.co/o16zQGiX6p Hot off the press 🔥 From growing our team to [----] Wisers helping us move 6bn around the world to opening an office in Austin here're a few highlights from the past six months as well as some big news. On top of that our financial results are out:https://t.co/jZeyDsOAgb"
X Link 2021-11-30T11:41Z [---] followers, [--] engagements

"Braze is a dominant player"
X Link 2021-12-14T03:40Z [---] followers, [--] engagements

"$BRZE accelerating as expected"
X Link 2021-12-21T00:02Z [---] followers, [--] engagements

"$BRZE new adds accelerate again during Q4 2021"
X Link 2021-12-31T07:39Z [---] followers, [--] engagements

"If you don't know what to buy and hold now it's time to buy Adyen. From ten years perspective Adyen is one of the perfect compounders"
X Link 2022-01-18T00:20Z [---] followers, [--] engagements

"Finally some analyst notices that Adyen is expanding to SMB payment market through its platform partnering with software companies. I think SMB market payment has much higher take rate than what Adyen now has and much operating leverage"
X Link 2022-01-20T03:45Z [---] followers, [--] engagements

"We believe Adyen has moved from helping North American merchants grow outside their domestic market to now winning US domestic volumes a function of the rising complexity within the North American payments landscape (omni-channel etc)"
X Link 2022-02-09T08:19Z [---] followers, [--] engagements

"Waiting for the briefing on January 16th $wise"
X Link 2025-01-13T07:21Z [---] followers, [----] engagements

"As we said several months ago this year will mark the beginning of a renewed acceleration in $Wise's growth: $Wise's flywheel effect is starting to pick up speed"
X Link 2026-01-21T07:36Z [---] followers, [---] engagements

"One of Wise's core variables is the amount of cross-border remittances which is also experiencing accelerated growth. The two-year growth rate in the latest quarter has reached 53%"
X Link 2026-01-21T07:43Z [---] followers, [---] engagements

"The third core variable for $Wise is the balance of funds that customers hold with Wise which includes the funds held under the asset function. At the end of this fiscal quarter this figure reached [----] b yoy increase of 34%"
X Link 2026-01-21T07:47Z [---] followers, [---] engagements

"According to our calculations Wise's free cash flow (FCF) will reach $530 million and $680 million in FY2026 and FY2027 respectively. By March [--] [----] Wise's net cash will be close to $2.3 billion. Based on recent communications with the CFO and GS analysts"
X Link 2026-01-22T00:00Z [---] followers, [---] engagements

"we believe $Wise will significantly repurchase its own shares in the next [--] months"
X Link 2026-01-22T00:01Z [---] followers, [---] engagements

"$Wise app monthly downloads are showing an accelerating trend. We still expect [----] to be the starting year for a renewed acceleration in Wise's core data"
X Link 2026-02-05T06:50Z [---] followers, [----] engagements

"$wise Downloads & MAU of Jan26"
X Link 2026-02-13T08:58Z [---] followers, [----] engagements

"@meilimaxwell Not really. If the second half year revenue grows at the same pace of the first half of this year as ulta just partnered with Olaplex the revenue will pass 700m. If the compound growth rate be 50% in the next three years this stock will be so cheap at this moment"
X Link 2021-10-06T11:24Z [---] followers, [--] engagements

"During q3 cc CEO Adam Foroughi thought AppLovin software business will grow to 10b in [--] years. I love this ambition"
X Link 2021-11-15T13:05Z [---] followers, [--] engagements

"GS just raised OLPX TP from [--] to 46"
X Link 2021-11-18T05:28Z [---] followers, [--] engagements

"Obviously $BRZE revenue growth is accelerating"
X Link 2021-11-29T01:38Z [---] followers, [--] engagements

"Feroz Dewan just bought nearly 20% of outstanding shares of $brze in first two trading days"
X Link 2021-11-30T04:07Z [---] followers, [--] engagements

"@AvidXchange you guys should partner with @Wise to provide the cross-border transfer for the platform"
X Link 2021-11-30T07:55Z [---] followers, [--] engagements

"It's the strategic way to be the default cross-border money transfer infrastructure. Its interesting that even the most sophisticated investors have real difficulty understanding why @Wise should be so intent on reducing its fees to customers - without having to respond to competitive pressure. Its interesting that even the most sophisticated investors have real difficulty understanding why @Wise should be so intent on reducing its fees to customers - without having to respond to competitive pressure"
X Link 2021-12-05T12:40Z [---] followers, [--] engagements

"$BRZE is a category disruptor"
X Link 2021-12-13T12:25Z [---] followers, [--] engagements

"Cause Braze needs direct sales to get large customers onboard covid had dragged the growth rate last year. We should see the growth accelerating in the coming quarters"
X Link 2021-12-14T03:49Z [---] followers, [--] engagements

"Bill is very bullish on growth $brze"
X Link 2022-01-12T11:20Z [---] followers, [--] engagements

"and Adyen being well positioned to solve for this complexity - as evidenced by strong revenue growth"
X Link 2022-02-09T08:20Z [---] followers, [--] engagements

"very nice innovation. congrats The Wise Account features an incredible Multi Currency Debit card with super low costs that lets you spend like a local wherever you are. 💳 🌎 🚀 How did we make this happen Valentin Kravtsov shares some of the deets https://t.co/Yf4iQ5hYS2 The Wise Account features an incredible Multi Currency Debit card with super low costs that lets you spend like a local wherever you are. 💳 🌎 🚀 How did we make this happen Valentin Kravtsov shares some of the deets https://t.co/Yf4iQ5hYS2"
X Link 2022-09-15T00:45Z [---] followers, [--] engagements

"$wise we use 95% of central bank interest rate on only half of the wise cash balance to get that wise will have a huge amount of interest income to fuel its growth and customer satisfaction. Great business with the huge tailwind. Congrats"
X Link 2022-09-30T05:55Z [---] followers, [--] engagements

"Goldman just renewed wise model. Just notice that if the EBITDA margin don't go up more the revenue growth should be much higher cause if much interest revenue goes to the marketing part more customers will come. New macro is a huge tailwind for Wise"
X Link 2022-10-07T01:25Z [---] followers, [--] engagements

"$wise vpc is not the key indicator of $wise business especially the quarterly volatility. From the yearly perspective vpc of individual customer just keep the same but business customer vpc goes up meaningfully (13%+)"
X Link 2023-04-19T07:04Z [---] followers, [---] engagements

"Actually maybe it's the most importan slide for $wise. The most recent "other fee" take rate is 19bp. Wise's topline will be boostered by take rate's growth not just active users and vpc"
X Link 2023-04-20T05:06Z [---] followers, [----] engagements

"$wise strong start to this fiscal year. Vpc is just one variable and is just bottomed in my opinion. Other fee contribution is 18bp now which will grow continuously. Strong customers are coming to wise platform"
X Link 2023-07-18T11:59Z [---] followers, [---] engagements

"Regarding the vision of Wise my opinion is as follows: [--]. Wise is already the world's largest online cross-border remittance platform and it only took [--] years. I think wise will be the world's leading online remittance platform with a possible market share of more than 20%"
X Link 2023-07-20T00:41Z [---] followers, [---] engagements

"$Wise's quarterly report briefing disclosed a lot of detailed figures. One of them is the balance of funds deposited by customers at the end of each quarter and this figure does not include the asset part. In the environment of high interest rates more and more customers should"
X Link 2023-07-20T16:40Z [---] followers, [---] engagements

"As shown below in the past [--] quarters $wise has lowered and raised the rates for cross-border money transfer. We want to understand the principles followed by company management in the process of moving toward mission-zero or zero-rating"
X Link 2023-09-11T02:36Z [---] followers, [----] engagements

"If we assume SGA grows like 30% yoy the EBIT and net profit will grow likely 300%. We will share some thoughts next month when wise releases its half year numbers"
X Link 2023-10-12T07:41Z [---] followers, [---] engagements

"$wise just disclosed the second quarter briefing a few days ago. Let's do a simple analysis on some key figures. First active customers. Wise added the most customers in this quarter both personal and business customers"
X Link 2023-10-18T01:05Z [---] followers, [----] engagements

"Next big thing: Gross margin. As i mentioned before wise does NOT subsidize the core business through short-term interest income. Now we know the 2024FY first half gross margin as below which is extraordinary. The much higher gm means much higher net margin and ebitda margin"
X Link 2023-10-18T02:46Z [---] followers, [---] engagements

"I think $wise should partner with Adyen to shorten the money transfer time of US area using this adyen plaid partnership and adyen US banking license"
X Link 2023-11-09T15:02Z [---] followers, [----] engagements

"$wise just released its F24 interim results. I will analyze this report in the next few days"
X Link 2023-11-14T07:49Z [---] followers, [---] engagements

"I talked about the revenue from "other" of $wise. But when this interim results released we should talk more about this. The card spending increased more than 90% including x-border and domestic. The revenue just increased 48% which is 42% short"
X Link 2023-11-14T23:27Z [---] followers, [---] engagements

"We update our financial forecast for the second half of FY24 of $wise. We now anticipate: second half EBITDA [---] (vs first half 213); second half Net Income [---] (vs first half 141). Also we think there is room for upward revision to these numbers"
X Link 2023-11-16T05:18Z [---] followers, [---] engagements

"Stablecoin is NOT the right way for cross border money transfer"
X Link 2023-11-20T14:43Z [---] followers, [---] engagements

"Adyen has acquired some new customers in the American market. These are photos my daughter took at the desert hills outlets. The left is AEO store and the right is Theory store. When adyen hired the sales and technical teams in the US they will have many customers"
X Link 2023-11-23T01:33Z [---] followers, [---] engagements

"website traffic data. http://wise.com http://wise.com"
X Link 2023-12-08T01:15Z [---] followers, [---] engagements

"I didn't see analyst talk much about that Adyen and Klarna expand their partnership. In my opinion it's obviously a big deal for adyen. Klarna's GMV is nearly 100B. Also it's the first time Adyen uses its bank license as a weapon to defend its position"
X Link 2023-12-08T06:47Z [---] followers, [---] engagements

"BNPL is NOT the same payment as the traditional four-party payment system. BNPL involves the bank which provides the fund to the merchant. We should wait for Adyen management to talk more about its role in this new partnership"
X Link 2023-12-08T06:50Z [---] followers, [---] engagements

"We have some findings after checking website: 1Zing only accepts UK users for now; 2Zing has [--] more currencies but Wise has [--] more currencies and much more corridors; 3Zing charges 60bps for GBP/EUR and GBP/USD and 75bps for other currencies http://zing.me http://zing.me"
X Link 2024-01-08T08:16Z [---] followers, [---] engagements

"Semrush just updated Dec data. So we can update the website traffic data. It's obvious that the traffic accelerated during the Q4CY23 (Q3FY24). I now expect the Trading Update on Jan 16th will beat much. $wise http://wise.com http://wise.com"
X Link 2024-01-08T15:38Z [---] followers, [----] engagements

"Looks like wise website traffic is NOT a good proxy of new active customers added. Q3FY24 new customers added is shy of what we expect. The individual customers add more during the period from April to Sept. The business customers boarding hiccup is the reasontoo"
X Link 2024-01-16T13:21Z [---] followers, [---] engagements

"I think $wise delivered a very good quarter thought some numbers is shy of my high expectations. The revenue from other accelerates yoy and qoq. This other revenue contributes to the take rate growth. Now this other revenue is more quarter of the whole revenue"
X Link 2024-01-16T16:00Z [---] followers, [----] engagements

"During Q3FY24 $wise added personal customers 273k which is seasonal and only 7k business customers which is caused by the European boarding process hiccup"
X Link 2024-01-18T08:05Z [---] followers, [----] engagements

"we now anticipate wise F24 adjusted EBITDA/net income/FCF will be 535m/317m/509m. And still there's room upside for these numbers"
X Link 2024-01-18T13:17Z [---] followers, [---] engagements

"And another interesting thing is wise own cash balance. According to our model wise will have nearly 2B pounds net cash position on March quarter CY2026. How does wise deal with its huge cash position We think wise probably will return the cash to its shareholders"
X Link 2024-01-18T13:28Z [---] followers, [---] engagements

"when $wise released 2024FY yearly report now I can say it's a more-exciting business now. Just imagin wise didn't spend too much on the user acquisition and the new users will bring higher LTV to wise. Last FY wise spent 37m marketing expense which is down yoy 2%"
X Link 2024-06-19T06:18Z [---] followers, [----] engagements

"So why will wise lower its x-border fees now Cause its absolute cost went down last year. Wise has much room to lower down its x-border fees to lure many more new customers coming aboard. This is the right move for the long term to beat any possible competition"
X Link 2024-06-19T06:37Z [---] followers, [---] engagements

"is Wise stock still expensive Definitely NO in my opinion. here's my model on wise now. Wise valuation looks like a no-growth stock. But wise is only scratching the surface and has a long way to go"
X Link 2024-06-19T06:58Z [---] followers, [---] engagements

"Today $wise released F25 Q1 some numbers. Let's summarize some interesting parts. First the business active customer boarding process is almost smooth again. During Q1 wise added 17k business customers almost the average before the hiccup happened last year"
X Link 2024-07-16T10:26Z [---] followers, [----] engagements

"Then the wise-card interchange fee related revenue still increased at the very rapid speed. it's amazing"
X Link 2024-07-16T10:32Z [---] followers, [---] engagements

"It is interesting to compare the various data of $wise and Revolut. Let's begin from the active users. Wise disclosed its yearly active users but Revolut just gave its registered users. So different numbers. Maybe Revolut has more active users during 2023"
X Link 2024-07-18T11:44Z [---] followers, [----] engagements

"2Customer balances: Wise 13.3B [----] B if we add Assets ) vs Revolut 18.2B. Revolut has banking licenses so it's normal that Revolut has much more balances"
X Link 2024-07-18T11:48Z [---] followers, [---] engagements

"3Revenue: Revolut grows its revenue at much more rapid pace in [----]. Also Revolut has banking licenses so it can generate many revenue resources"
X Link 2024-07-18T11:52Z [---] followers, [---] engagements

"3employee and revenue per employee: $wise has fewer employees but has much more revenue per employee. Looks like Wise should hire more"
X Link 2024-07-18T11:58Z [---] followers, [---] engagements

"4gross profit (margin): Wise has higher GPM during 2023"
X Link 2024-07-18T12:01Z [---] followers, [---] engagements

"Last one: market cap: Wise market cap is only 8B ( nearly 7B if we deduct the net cash) but Revolut has nearly 40B. Weird"
X Link 2024-07-18T12:11Z [---] followers, [---] engagements

"$wise share price is under pressure recently. I think the reasons are some misunderstandings not the fundamental. Actually the fundamental is more robust. When we check the historic traffic you can see the traffic is accelerating. http://wise.com http://wise.com"
X Link 2024-09-11T00:16Z [---] followers, [----] engagements

"Now we think VPC has bottomed last quarter. We can expect VPC tailwind from here: volume growth will be equal or higher than the active customers growth from this quarter. $wise"
X Link 2024-10-16T05:24Z [---] followers, [----] engagements

"The concern is the business customers. Can they come after Wise lowered its x-border fee nearly 20% I think maybe we can see the trend from now. Also Wise needs to work hard to build the SME ecosystems for the business customers"
X Link 2024-10-16T05:45Z [---] followers, [---] engagements

"This is much earlier than what I expected"
X Link 2024-11-05T04:56Z [---] followers, [----] engagements

"It's the first time that Kristo didn't mention Mission-zero in the open letter. But he did mention that in ten years wise will charge only 10bp for XB transfer and the cost will be only 5bp. Still I bellieve Wise will be the XB interchange-"bank" for all the banks"
X Link 2024-11-13T08:40Z [---] followers, [----] engagements

"I believe the second most promising future is when Wise will be one of the dominant domestic bank (debit) card service providers in many countries like an international banking group. I have to remind: Wise has developed its own cloud debit card processing software"
X Link 2024-11-13T08:50Z [---] followers, [---] engagements

"Is the spike of website traffic on Nov6 related to the Standard Chartered partnership no idea"
X Link 2024-11-20T04:38Z [---] followers, [---] engagements

"(Bloomberg) -- Morgan Stanley has teamed up with cross-border money transmitter Wise to settle foreign-exchange payments for the investment banks corporate clients a service traditionally led by money-center banks"
X Link 2024-12-17T14:36Z [---] followers, [----] engagements

"$WISE moves from niche market to mainstream. MS endorsement is a game-changer now. Now we can say there's no other better way especially no-stablecoin way for x-border money transfer. I think the stock will re-rate sharply from here"
X Link 2024-12-18T01:28Z [---] followers, [----] engagements

"$wise will become the de facto interchange x-border money transfer banking service provider for all the financial institutions"
X Link 2024-12-18T03:54Z [---] followers, [----] engagements

"Last time when we analyze the interest income of $wise we found that the incoming new customers cash balances will keep the interest income stable and mild growth even when the central banks cut the interest rate slowly"
X Link 2025-01-07T05:07Z [---] followers, [----] engagements

"Now based on the facts that the bond yield curve in the US and UK we can draw the conclusion that $wise interest income will significantly exceed expectations"
X Link 2025-01-07T05:09Z [---] followers, [----] engagements

"Though not very accurate website traffic indicates that the number of active users will grow faster than expected especially in Brazil. The brief will release on Jan16"
X Link 2025-01-07T05:31Z [---] followers, [---] engagements

"GS just released a report on remittances and this report mentions $wise though they don't cover it. And you should know this: remittances is not the same concept as x-border money transfer and the latter is a larger industry that includes the former"
X Link 2025-01-10T05:58Z [---] followers, [----] engagements

"And the GS analysts admit that $wise is the dominant player now"
X Link 2025-01-10T05:59Z [---] followers, [---] engagements

"The cost of traditional remittances is always more than 500bp and the logic of this pricing is the higher cost and dealing with the cash. Wise doesn't touch any cash during the process and has the lowerest cost and will disrupt the whole industry"
X Link 2025-01-10T06:11Z [---] followers, [---] engagements

"Many people see the ugly part of $Wise quarterly briefing. The number of new active users this quarter was lower than expected. But if look at the cc volume growth below you will find wise is accelerating again from covid"
X Link 2025-01-20T04:00Z [---] followers, [----] engagements

"And also like Kristo mentioned last Sept. the price cut two quarters ago will take effect in the next few quarters. Even so the cc volume growth is accelerating. That's the amazing part"
X Link 2025-01-20T04:16Z [---] followers, [---] engagements

"website traffic in January is expected to increase by 40-50% month-on-month with the main growth coming from countries such as Brazil Malaysia and Trkiye. This is insane. http://wise.com http://wise.com"
X Link 2025-02-05T11:30Z [---] followers, [----] engagements

"Wise web traffic is accelerating now"
X Link 2025-02-11T00:58Z [---] followers, [----] engagements

"$wise website traffic growth continues to accelerate in the second week of February"
X Link 2025-02-25T08:13Z [---] followers, [----] engagements

"In January and February the number of visits to increased significantly with YoY growth approaching 100% which is the first acceleration in the past few years. http://wise.com http://wise.com"
X Link 2025-03-08T01:12Z [---] followers, [----] engagements

"Vaca Muerta is the next Permian. The rapid development of Vaca Muerta will be the foundation for Argentina's economic take-off"
X Link 2025-03-09T04:02Z [---] followers, [----] engagements

"The reputation of US arms exports has been severely damaged; South Korean arms exports may benefit significantly"
X Link 2025-03-10T02:56Z [---] followers, [---] engagements

"The latest forecast about vaca muerta is extremely optimistic"
X Link 2025-03-12T13:31Z [---] followers, [----] engagements

"another milestone for $wise platform"
X Link 2025-03-27T02:37Z [---] followers, [----] engagements

"JPMorgan initiates coverage on $Wise"
X Link 2025-03-31T07:45Z [---] followers, [----] engagements

"Vista's acquisition yesterday brought about a significant EBITDA increase. $VIST's valuation is getting much lower"
X Link 2025-04-17T12:12Z [---] followers, [----] engagements

"With Argentina's lifting of foreign exchange controls this week Argentina's shale oil and gas is about to explode. We can expect US oil capital to flow into the development of the Vac Muerta"
X Link 2025-04-17T12:16Z [---] followers, [----] engagements

"If the compound growth of oil and gas production is taken into account even with a higher discount rate the valuation of Argentine shale oil and gas companies should be higher than that of their US counterparts. Obviously the current stock price is seriously undervalued"
X Link 2025-04-17T12:22Z [---] followers, [----] engagements

"As Wise's current round of cost reductions draws to a close we expect that in the next three quarters the volume growth rate of more than 20% will be more translated into the company's revenue growth. We can expect topline growth will be 20%+"
X Link 2025-07-18T08:28Z [---] followers, [----] engagements

"Wise app downloads reached a new all-time high in July surpassing the March [----] high"
X Link 2025-08-12T23:37Z [---] followers, [----] engagements

"This is a big news"
X Link 2025-08-13T00:01Z [---] followers, [----] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing