# ![@CooperCapitaI Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1964760488124002305.png) @CooperCapitaI ShadyInvestor

ShadyInvestor posts on X about $sezl, $klar, in the, $pypl the most. They currently have [---] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::1964760488124002305/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1964760488124002305/c:line/m:interactions.svg)

- [--] Week [-----] -24%
- [--] Month [------] -64%

### Mentions: [--] [#](/creator/twitter::1964760488124002305/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1964760488124002305/c:line/m:posts_active.svg)

- [--] Week [--] no change
- [--] Month [--] -44%

### Followers: [---] [#](/creator/twitter::1964760488124002305/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1964760488124002305/c:line/m:followers.svg)

- [--] Week [---] -0.78%
- [--] Month [---] +7.60%

### CreatorRank: [---------] [#](/creator/twitter::1964760488124002305/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1964760488124002305/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  58% [finance](/list/finance)  35% [technology brands](/list/technology-brands)  15% [cryptocurrencies](/list/cryptocurrencies)  2% [countries](/list/countries)  2% [currencies](/list/currencies)  1%

**Social topic influence**
[$sezl](/topic/$sezl) #7, [$klar](/topic/$klar) #5, [in the](/topic/in-the) 14%, [$pypl](/topic/$pypl) 14%, [$afrm](/topic/$afrm) #16, [klarna](/topic/klarna) #39, [business](/topic/business) 11%, [strong](/topic/strong) 10%, [money](/topic/money) 7%, [$dave](/topic/$dave) 6%

**Top accounts mentioned or mentioned by**
[@marcalcarbo](/creator/undefined) [@commonsenseplay](/creator/undefined) [@fischerjiriml](/creator/undefined) [@kalshi](/creator/undefined) [@kyleadamsstocks](/creator/undefined) [@klarna](/creator/undefined) [@barnietaintpipe](/creator/undefined) [@shadyinvestor](/creator/undefined) [@wearycenturion](/creator/undefined) [@gregthenorth](/creator/undefined) [@billackman](/creator/undefined) [@realdonaldtrump](/creator/undefined) [@invertiramateur](/creator/undefined) [@dudewhoinvests](/creator/undefined) [@wansaneb16](/creator/undefined) [@ancientsion](/creator/undefined) [@shadyinvestorsikih6fhyvhojbjn5y](/creator/undefined) [@71boy71](/creator/undefined) [@rubicon59](/creator/undefined) [@mrderivatives](/creator/undefined)

**Top assets mentioned**
[Sezzle Inc. Common Stock (SEZL)](/topic/$sezl) [Klarna Group plc (KLAR)](/topic/$klar) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Dave Inc. (DAVE)](/topic/$dave) [UnitedHealth Group (UNH)](/topic/$unh) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Bitcoin (BTC)](/topic/$btc) [Microsoft Corp. (MSFT)](/topic/microsoft) [AST SpaceMobile, Inc. Class A Common Stock (ASTS)](/topic/$asts) [Duolingo, Inc.  (DUOL)](/topic/$duol)
### Top Social Posts
Top posts by engagements in the last [--] hours

"$AFRM smashed earnings just to go. down"  
[X Link](https://x.com/CooperCapitaI/status/2019522320331653153)  2026-02-05T21:23Z [---] followers, [----] engagements


"Interesting how $SEZL went up more than $AFRM on their own earnings"  
[X Link](https://x.com/CooperCapitaI/status/2019860013548785957)  2026-02-06T19:45Z [---] followers, [----] engagements


"@MarcalCarbo Yeah but that is what puzzles me $AFRM had quite good earnings yet the market still dumped makes me think the market will dump no matter what happens when $SEZL & $KLAR report"  
[X Link](https://x.com/CooperCapitaI/status/2022283985586446764)  2026-02-13T12:17Z [---] followers, [---] engagements


"I am going to be in heavy due diligence mode on $KLAR $DAVE and maybe $AFRM. I already have orders open for $SEZL in the drawdown Prices are too attractive to ignore there is surely a great deal here I just have to find the best one. Paying a discount after a strong season imo"  
[X Link](https://x.com/CooperCapitaI/status/2018137291814731869)  2026-02-02T01:40Z [---] followers, [---] engagements


"@AncientSion @BarnieTaintpipe $SEZL for business model $KLAR for valuation imo"  
[X Link](https://x.com/CooperCapitaI/status/2018763428093960555)  2026-02-03T19:08Z [---] followers, [---] engagements


"$AFRM reports earnings tomorrow we will be able to get a good feel on how BNPL preformed. They compare earnings between their three product offering on of which is BNPL Also monthly installment data will allow us to predict the strength of fair financing for $KLAR Important day"  
[X Link](https://x.com/CooperCapitaI/status/2019065714712182887)  2026-02-04T15:09Z [---] followers, [---] engagements


"Just posted a video about $KLAR The valuation of $KLAR is even more attractive than $SEZL. But is it a better business Check out my channel to watch https://www.youtube.com/@ShadyInvestor https://www.youtube.com/@ShadyInvestor"  
[X Link](https://x.com/CooperCapitaI/status/2021702750673777045)  2026-02-11T21:47Z [---] followers, [---] engagements


"I do agree $SEZL is the better business but $KLAR is about to turn a profit as you show in your assumptions. $KLAR earrings being weighed down rn due to increased provisions right now because of increased fair financing $SEZL growth has been really focused from late fees being charged widely. Keep in mind I am a shareholder of $SEZL because they have the better business especially with the target market of young consumers I do not hold any $KLAR yet but in terms of valuation purely I find it more attractive $SEZL is just a great business with a good valuation in my mind the kind Buffett looks"  
[X Link](https://x.com/CooperCapitaI/status/2022111677978689834)  2026-02-13T00:52Z [---] followers, [--] engagements


"$KLAR implements AI they replace [---] customer service employees using their AI services Their operating expenses as percent of revenue have improved significantly in the last three years. So why the selloff"  
[X Link](https://x.com/CooperCapitaI/status/2022119432857039348)  2026-02-13T01:23Z [---] followers, [---] engagements


"$SEZL good to see where $SEZL marketing spend is going NYC is a great place to market Sezzle good move imo"  
[X Link](https://x.com/CooperCapitaI/status/2022398451338916082)  2026-02-13T19:52Z [---] followers, [---] engagements


"Highly disagree $KLAR is already growing into more profitable areas the amount of growth they are seeing in the US is staggering BNPL is not just a trend theyve been taking share from cards for a while. $KLAR is the face of this revolution Cards are good for a certain group of people and so is BNPL different product that match different people and BNPL suits the young consumer base very well https://twitter.com/i/web/status/2022487446844281010 https://twitter.com/i/web/status/2022487446844281010"  
[X Link](https://x.com/CooperCapitaI/status/2022487446844281010)  2026-02-14T01:45Z [---] followers, [--] engagements


"Creating a $KLAR video that should be very alike to the $SEZL vid production quality will be better since I can edit better now Hoping to get it out by Wednesday Very accessible and puts Klarna certainly for those who know about BNPL already Get notified of its release https://youtube.com/@shadyinvestorsi=KIH6fHyVHojBJn5Y https://youtube.com/@shadyinvestorsi=KIH6fHyVHojBJn5Y"  
[X Link](https://x.com/CooperCapitaI/status/2023190349254910326)  2026-02-16T00:19Z [---] followers, [---] engagements


"you gotta watch these chat bots man. using Gemini to try and quickly understand discrepancies in how take rate is reported between Klarna and Affirm. the bot spat this out about interest income which completely is not true and completely would change the entire $KLAR narrative This at least for now you can't just use bots with your investing research you do everything yourself and understand the company yourself and if you need to clarify something after using other sources then they can be a good resource or they can do the quick easy things for you. but always ask for sources and never flat"  
[X Link](https://x.com/CooperCapitaI/status/2023194557605634137)  2026-02-16T00:35Z [---] followers, [--] engagements


"I just wrote an analysis on the products and offerings of $AFRM if you own a BNPL/lending company like $SEZL it is important to understand how the other lenders are preforming in the industry. Strong performance by $AFRM is good for BNPL in general https://open.substack.com/pub/coopercapital/p/the-lender-driving-a-consumer-spendingr=6dhii1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/coopercapital/p/the-lender-driving-a-consumer-spendingr=6dhii1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"  
[X Link](https://x.com/CooperCapitaI/status/2005313047066493229)  2025-12-28T16:21Z [---] followers, [---] engagements


"@71boy71 I dont own any $AFRM shares and as of now dont plan to acquire any. I believe it is important to understand how other players in the lending industry are developing in this credit revolution. I do own shares of $SEZL and plan to hold"  
[X Link](https://x.com/CooperCapitaI/status/2005330349816209536)  2025-12-28T17:29Z [---] followers, [---] engagements


"$AFRM has a lot in the lending industry. They have access to data unlike any other company. This allows for strong underwriting and merchant integration. To understand how this affects their business model my Substack link is linked below https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1 https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1"  
[X Link](https://x.com/CooperCapitaI/status/2005768790366106049)  2025-12-29T22:31Z [---] followers, [--] engagements


"$AFRM has a moat in the lending industry. They have access to data unlike any other company. This allows for strong underwriting and merchant integration. To understand how this affects their business model my Substack article is linked below https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1 https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1"  
[X Link](https://x.com/CooperCapitaI/status/2005768928761696401)  2025-12-29T22:32Z [---] followers, [---] engagements


"@Kalshi If we are not careful this is what will happen to the US developed countries are experiencing declining birth rates. Because much of the economy is reliant on growing populations this may pose serious concerns"  
[X Link](https://x.com/CooperCapitaI/status/2005772077627048391)  2025-12-29T22:45Z [--] followers, [----] engagements


"@rubicon59 $SEZL is an extremely exciting opportunity $SEZL's moat is their deeper consumer connection which allows them to have subscription offerings. BNPL is often talked bad upon but once the value of its offerings are seen valuations should match value"  
[X Link](https://x.com/CooperCapitaI/status/2005845643999277429)  2025-12-30T03:37Z [---] followers, [---] engagements


"@Mr_Derivatives There is certainly opportunity yet with $PYPL there are some key catalysts developing I imagine it will take a year or two for them to bring real value though"  
[X Link](https://x.com/CooperCapitaI/status/2006044072700498395)  2025-12-30T16:45Z [---] followers, [----] engagements


"At what point does $PYPL have a strong margin of safety I believe Ben Graham said PE's can either reflect the past the present or the future of a company. This valuation feels very past oriented right now. Feels like none of their future initiatives are being priced in"  
[X Link](https://x.com/CooperCapitaI/status/2006059621631332414)  2025-12-30T17:47Z [---] followers, [---] engagements


"In addition investor sentiment is very low right now expectations rock bottom. I think this is reflect through the nickname PainPal. This is when a value investor would pick up a security like this imo. Contingent on investors belief $PYPL preform well in their future catalysts"  
[X Link](https://x.com/CooperCapitaI/status/2006060104932643027)  2025-12-30T17:49Z [---] followers, [---] engagements


"@Kalshi Yeah I doubt they would be able to offer even relatively close numbers"  
[X Link](https://x.com/CooperCapitaI/status/2006126798812103079)  2025-12-30T22:14Z [--] followers, [--] engagements


"From a pure valuation standpoint $UBER looks good. Do Robotaxis pose concerns though And is autonomous the only thing keeping price down @alifarhat79 Yes. It is incredibly cheap. @alifarhat79 Yes. It is incredibly cheap"  
[X Link](https://x.com/CooperCapitaI/status/2006456187521482799)  2025-12-31T20:03Z [---] followers, [--] engagements


"@brewmarkets SpaceX IPO does seem very overvalued. But I doubt the market top will happen for a while. AI is going to change the world"  
[X Link](https://x.com/CooperCapitaI/status/2006788415090725154)  2026-01-01T18:03Z [---] followers, [---] engagements


"$SEZL I will probably buy more shares if it comes down to $50-55 again. It seems $SEZL does not do well in low volatility. Seems we will have to wait for the next earnings report to get another move like we have seen recently"  
[X Link](https://x.com/CooperCapitaI/status/2006790968230711481)  2026-01-01T18:13Z [---] followers, [---] engagements


"@commonsenseplay I just think people don't understand the market cap of $BTC it's just not possible for it to move like it once did"  
[X Link](https://x.com/CooperCapitaI/status/2006791821746385395)  2026-01-01T18:17Z [---] followers, [----] engagements


"@silverz1972 @commonsenseplay I would love if that is true I just dont believe it. Debt is climbing so fast and the gov just wouldnt YOLO trillions into the coin. But thats just my opinion🤷"  
[X Link](https://x.com/CooperCapitaI/status/2006925483016130846)  2026-01-02T03:08Z [---] followers, [--] engagements


"@weary_centurion You deserve it for all of that $PYPL due diligence you have providing I enjoy reading them thank you"  
[X Link](https://x.com/CooperCapitaI/status/2006926723468898732)  2026-01-02T03:13Z [---] followers, [---] engagements


"@willssddd @commonsenseplay Possible but not probable imo. I dont really believe it is money it is so volatile. More of a speculative instrument. I know US dollar is a bad alternative but thats why most of my money is invested in equities. I mean its only been around for like [--] years so well see"  
[X Link](https://x.com/CooperCapitaI/status/2006928259393458593)  2026-01-02T03:19Z [---] followers, [---] engagements


"@FischerJiriML @GooglePlay @Apple You should take a look at $SEZL my friend. Interesting company. I think you will enjoy the research"  
[X Link](https://x.com/CooperCapitaI/status/2006933584943432091)  2026-01-02T03:40Z [---] followers, [---] engagements


"Well the big money has been made. 10x obviously very strong but that wont come for years and maybe decades. The run of crypto has been strong bc of rapid adoption. That just isnt the case anymore. We need big players to pump money in it to gain value but in reality it is more of a speculative tool than an investment Also my claim is that it is impossible for it to move like it once did you cannot disagree with that"  
[X Link](https://x.com/CooperCapitaI/status/2006949596275093628)  2026-01-02T04:44Z [---] followers, [---] engagements


"@daman4545 @phishark_ @commonsenseplay I dont think Big money is done w BTC in fact this is probably the best time to get into it. But it just cant and wont preform the same as it has"  
[X Link](https://x.com/CooperCapitaI/status/2006949906204996102)  2026-01-02T04:45Z [---] followers, [--] engagements


"Am I the only one who thinks $DAVE looks attractive here. They are growing so fast it is insane. They are a pretty trendy stock right now as well kind of weird they are trading like this with the growth they have experienced"  
[X Link](https://x.com/CooperCapitaI/status/2007154105966571836)  2026-01-02T18:16Z [---] followers, [---] engagements


"@Florio32081 @dividenddude maybe so I think it can be good but it will take decades. We all know how Musk is😄. I imagine the market will put the shares on discount before this happens"  
[X Link](https://x.com/CooperCapitaI/status/2007276705560559845)  2026-01-03T02:23Z [---] followers, [--] engagements


"@KyleAdamsStocks Just roll it forward into some $SEZL haha"  
[X Link](https://x.com/CooperCapitaI/status/2007507137380135268)  2026-01-03T17:39Z [---] followers, [---] engagements


"Nothing important I changed the name of this account just because I think what I am doing with the account has changed since its inception. Currently I am focusing on companies ideas and financial situations that most people overlook. Especially $SEZL from CooperCapital"  
[X Link](https://x.com/CooperCapitaI/status/2007995189387055615)  2026-01-05T01:58Z [---] followers, [---] engagements


"$SEZL More institutional buying today Im not a technical guy but price doesnt seem to want to go below [--] again I feel strong buying in the 50s if it comes back down before earnings. I doubt 50s will be a reasonable once Q4 is out"  
[X Link](https://x.com/CooperCapitaI/status/2008194436682178625)  2026-01-05T15:10Z [---] followers, [---] engagements


"When is $PYPL just too cheap to pass up"  
[X Link](https://x.com/CooperCapitaI/status/2008195047494139947)  2026-01-05T15:13Z [---] followers, [---] engagements


"@P14Capital $SEZL has the stronger monetization model. Look into the their subscriptions they offer a lot more value than other BNPL counterparts"  
[X Link](https://x.com/CooperCapitaI/status/2008313996835782804)  2026-01-05T23:05Z [---] followers, [---] engagements


"Interview with the $SEZL CEO if you are an investor make sure to tune in Excited to announce that @KyleAdamsStocks and I will be interviewing the CEO of Sezzle $SEZL on Thursday January [--] at 1:00pm EST on X Spaces. Click the link below to reserve your spot. https://t.co/d6j3p3tqFv https://t.co/RvNMYDJBtK Excited to announce that @KyleAdamsStocks and I will be interviewing the CEO of Sezzle $SEZL on Thursday January [--] at 1:00pm EST on X Spaces. Click the link below to reserve your spot. https://t.co/d6j3p3tqFv https://t.co/RvNMYDJBtK"  
[X Link](https://x.com/CooperCapitaI/status/2008535468200390949)  2026-01-06T13:45Z [---] followers, [---] engagements


"$PYPL is a high yield bond. The companyhas been returning large amounts of money to shareholders over the last few years This year dwarves them by far. They already have a dividend yield of 1% and a share buyback yield of 10% and as cash flow increases for [----] and [----] I only see that increasing My belief is that by buying shares in paypal I will have better returns on my capital than a MMF. I want yields on cash in this environment with lower rates. The downside is very limited with $PYPL and the upside. It has to be more than 3-4% Agentic ads PYPL world crypto venmo. I haven't made a"  
[X Link](https://x.com/CooperCapitaI/status/2008697723411996821)  2026-01-07T00:30Z [---] followers, [---] engagements


"I'm going to start taking a look at $KLAR today to scope out competition for $SEZL. $AFRM and $SEZL are the real leaders of the BNPL revolution but for some reason $KLAR continues to be the face. I hope to find out why and the reason for this price action"  
[X Link](https://x.com/CooperCapitaI/status/2009012698810581481)  2026-01-07T21:22Z [---] followers, [---] engagements


"@LincolnCarter0 Very true. I am a $PYPL optimist but not a shareholder yet. I feel there are better opportunities in the finance sector right now especially consumer credit. Once catalysts materialize there will be some exciting opportunities though"  
[X Link](https://x.com/CooperCapitaI/status/2009283890599371121)  2026-01-08T15:19Z [---] followers, [---] engagements


"$SEZL has an extremely unique hiring practice where they require IQ tests and find GPAs of possible hires. They want you to be in the top 10% of both of these categories. This means you have high horsepower and are able to do projects that you maybe didnt want to do. These employees drive value for the company while not having too many workers at the firm becoming oversaturated"  
[X Link](https://x.com/CooperCapitaI/status/2009360845893964058)  2026-01-08T20:25Z [---] followers, [---] engagements


"Lastly the question about short interest. Interesting ideas from Charlie as to why there is this short interest possibly as a hedge against an other positions in BNPL or against the larger economy. I believe hedges against $SEZL are major mistakes as funds demand shares in larger BNPLs. $SEZL is bringing value to shareholders like no other company and Charlie is fixed on that. The shorts will regret trying to hedge with $SEZL if this is the case. https://twitter.com/i/web/status/2009360848427602207 https://twitter.com/i/web/status/2009360848427602207"  
[X Link](https://x.com/CooperCapitaI/status/2009360848427602207)  2026-01-08T20:25Z [---] followers, [---] engagements


"$PYPL is picking up LLM partnerships like their Pokmon No more bouncing between pages to buy something. Copilot Checkout with @Microsoft and @PayPal keeps it seamless. 🛍 No more bouncing between pages to buy something. Copilot Checkout with @Microsoft and @PayPal keeps it seamless. 🛍"  
[X Link](https://x.com/CooperCapitaI/status/2009403068782399816)  2026-01-08T23:13Z [---] followers, [---] engagements


"@GregtheNorth @BillAckman @realDonaldTrump Visa is a processor"  
[X Link](https://x.com/CooperCapitaI/status/2009833593166549011)  2026-01-10T03:44Z [---] followers, [---] engagements


"@GregtheNorth @BillAckman @realDonaldTrump Here is the statement from their annual report. Below is the margins of an actual lender American Express. As you can see the margins are much lower not to mention they have some of the best lenders and even charge annual fees for their cards"  
[X Link](https://x.com/CooperCapitaI/status/2009836183891869904)  2026-01-10T03:54Z [---] followers, [---] engagements


"If i am the average American then I go and take advantage of this low interest rate. Go out buy a ton of things and then one year from now when the rates are back up there and I still have a large balance on the card (because why would I prioritize paying down the card). I have way too much money in debt sitting at 20-30% compounding against me. Why are we touching credit when it is currently working Let natural competition fight credit like BNPL options. Don't make some rule that Americans don't NEED (I feel this is evident by record numbers during the holidays) to try and protect us from"  
[X Link](https://x.com/CooperCapitaI/status/2009840441483546730)  2026-01-10T04:11Z [---] followers, [---] engagements


"It is a very interesting difference. They try and pass off this difference in reporting through them being a "banking network" I dont like this way of reporting for a lender though for obvious reasons. I am still early in the game for researching $KLAR though I dont like this game they are playing with their accounting https://twitter.com/i/web/status/2010097361322955116 https://twitter.com/i/web/status/2010097361322955116"  
[X Link](https://x.com/CooperCapitaI/status/2010097361322955116)  2026-01-10T21:12Z [---] followers, [---] engagements


"Very true but generally I believe GMV is a metric to measure the success of merchants rather than the company Though when merchants are successful and consumers are strong they bode success. $KLAR take rate just isnt very strong right now imo Though they do have several high value partnerships that may bode well for the long term Price of the company seems attractive right now just need to study fundamentals though I dont appreciate the type of accounting that was used for $KLAR active members https://twitter.com/i/web/status/2010129637763149842"  
[X Link](https://x.com/CooperCapitaI/status/2010129637763149842)  2026-01-10T23:20Z [---] followers, [---] engagements


"$SEZL GMV: 3.6B market cap: $2.6B $AFRM GMV: 39B market cap: $27B $KLAR GMV: 118B market cap: $11.5B Gross Merchandising Volume does not indicate the success of a BNPL rather what you do with that GMV. GMV is best a predictor of the success of merchants"  
[X Link](https://x.com/CooperCapitaI/status/2010349727821500776)  2026-01-11T13:55Z [---] followers, [---] engagements


"Yes I was noticing that during the research of $AFRM BUT most interesting part $SEZL is also 1/10 the amount of members The best part Neither measure users in the same way $KLAR does both only count once you make a transaction"  
[X Link](https://x.com/CooperCapitaI/status/2010374229707870210)  2026-01-11T15:32Z [---] followers, [---] engagements


"Lots of attention coming towards BNPL bc of Trumps proposal. For those getting into BNPL: $KLAR is the face of BNPL but not the best option $AFRM is an extreme underwriting engine specializing in accuracy $SEZL is the biggest winner growing fast profitably 🚨 BREAKING https://t.co/rqOrjP4EZ1 🚨 BREAKING https://t.co/rqOrjP4EZ1"  
[X Link](https://x.com/CooperCapitaI/status/2010423728895869266)  2026-01-11T18:49Z [---] followers, [---] engagements


"Map of where $KLAR is operating. South America looks bright for $SEZL if LATAM turns out to be true"  
[X Link](https://x.com/CooperCapitaI/status/2010459954436808864)  2026-01-11T21:13Z [---] followers, [----] engagements


"@AverageDipBuyer SoFi seems like they would be a beneficiary. There are other sectors that I am interested in that I think have longer term benefits in this environment like BNPL"  
[X Link](https://x.com/CooperCapitaI/status/2010480677381398627)  2026-01-11T22:35Z [---] followers, [---] engagements


"@FischerJiriML Oh I see now"  
[X Link](https://x.com/CooperCapitaI/status/2010489485763449330)  2026-01-11T23:10Z [---] followers, [--] engagements


"I love buying companies that are hated by others or looked down on. With Klarnas current price action it may fit the criteria but I am still researching it will likely take me a few weeks. BNPL is an extremely underestimated rapidly accelerating industry I think most players will win though some more than others I will continue to analyze $KLAR if I think they can pick up their take rate (what I have identified so far as the main weak point) or do other things to bring their business to strong profitability then I will surely invest. The problem with most BNPL models is that monetization"  
[X Link](https://x.com/CooperCapitaI/status/2010499164044476635)  2026-01-11T23:48Z [---] followers, [---] engagements


"Which Klarna membership would you pick I'll give you my answer: none of the above. The problem here is that their subscription isn't really giving me any value that I have beyond my credit card. Now I know what your thinking "you're a $SEZL investor so you believe in the sub model" What $SEZL provides you through their sub is credit building. $KLAR does offer credit building opportunities but not through their BNPL products. $SEZL through its sub is an opportunity for young consumers and those with less credit access to get into the game. Youakim even said he wouldn't let his son use it until"  
[X Link](https://x.com/CooperCapitaI/status/2010817204347125976)  2026-01-12T20:52Z [---] followers, [---] engagements


"Interesting how market clearly deemed Trump announcement bullish for all BNPL which then proceeded to go red one hour into trading If there was no chance for this announcement to materialize then it would be neutral Short term price action continues to have more influence than fundamentals soon it wont be this way DANG I guess the market deemed the Trump stuff bullish for $SEZL https://t.co/CnNVkOTtJn DANG I guess the market deemed the Trump stuff bullish for $SEZL https://t.co/CnNVkOTtJn"  
[X Link](https://x.com/CooperCapitaI/status/2010890024426869026)  2026-01-13T01:41Z [---] followers, [---] engagements


"@BarnieTaintpipe Looking at $KLAR right now $DAVEs price is attractive right now. Is it good at these levels"  
[X Link](https://x.com/CooperCapitaI/status/2011075735071437280)  2026-01-13T13:59Z [---] followers, [---] engagements


"Everyone likes $PYPL because of how cheap it is but take a look at [----] [----] [----] [----] earnings. All the same income Dont use [----] earnings were depressed [----] is looking much better Wall Street asks wether this trend can continue after not growing for years"  
[X Link](https://x.com/CooperCapitaI/status/2011089214478131485)  2026-01-13T14:53Z [---] followers, [---] engagements


"@invertiramateur @KyleAdamsStocks @MarcalCarbo The growth of $SEZL is staggering definitely the best opportunity in BNPL imo the subscription model is unbeaten"  
[X Link](https://x.com/CooperCapitaI/status/2011190434408611978)  2026-01-13T21:35Z [---] followers, [---] engagements


"$DAVE crashed hard today. Really annoyed it chose now I got tons of work to do no time for due diligence. I have a strong feeling it wont stay at these levels until the weekend. If it does it will be a fun weekend"  
[X Link](https://x.com/CooperCapitaI/status/2011532468067975662)  2026-01-14T20:14Z [---] followers, [---] engagements


"@Globalflows You forgot about inflation my friend"  
[X Link](https://x.com/CooperCapitaI/status/2012157869278265464)  2026-01-16T13:39Z [---] followers, [---] engagements


"@ATabarrok AI already is taking over jobs at places like Klarna it certainly will in the longer run maybe 3-5 years think of how far we got since 2022"  
[X Link](https://x.com/CooperCapitaI/status/2012371327001252291)  2026-01-17T03:48Z [---] followers, [---] engagements


"I accumulated $ASTS at [--] over a year ago figured it would be a fun long term speculative play turns out it was but I sold at [--] as I figured that the SpaceX hype would die down before they went public as people realize this does not change the fundamental of ASTS Bit early"  
[X Link](https://x.com/CooperCapitaI/status/2012373053108306171)  2026-01-17T03:54Z [---] followers, [---] engagements


"@invertiramateur $PYPL looks so well poised catalysts just have to come in now"  
[X Link](https://x.com/CooperCapitaI/status/2012375815955054687)  2026-01-17T04:05Z [---] followers, [---] engagements


"The short squeeze is going to be insane Sezzle getting on the rankings $SEZL Sezzle getting on the rankings $SEZL"  
[X Link](https://x.com/CooperCapitaI/status/2012636273278587305)  2026-01-17T21:20Z [---] followers, [---] engagements


"@JuanRodrig07 @acce for many kids their school kinda becomes their identity this is a great idea from $PYPL"  
[X Link](https://x.com/CooperCapitaI/status/2012636744114458991)  2026-01-17T21:22Z [---] followers, [---] engagements


"Yes I am aware this is why I believe the company is currently driven upon emotion. What I believe to possibly happen is an overcorrection by the market especially once holiday earnings come out. Fair financing likely would have been used aggressively during this time period. Provisions will soar and price may plummet. This is just a thought but if this were to happen it would provide an extremely attractive entry on the company https://twitter.com/i/web/status/2012936670060929073 https://twitter.com/i/web/status/2012936670060929073"  
[X Link](https://x.com/CooperCapitaI/status/2012936670060929073)  2026-01-18T17:14Z [---] followers, [--] engagements


"@FischerJiriML @Klarna Yeah looks like things got tough for them last Q"  
[X Link](https://x.com/CooperCapitaI/status/2012952196103495956)  2026-01-18T18:16Z [---] followers, [--] engagements


"BNPL is growing everywhere Buy Now Pay Later https://t.co/olEv7gCZc3 @Klarna $KLAR @klarnaseb https://t.co/gJojJEoji1 Buy Now Pay Later https://t.co/olEv7gCZc3 @Klarna $KLAR @klarnaseb https://t.co/gJojJEoji1"  
[X Link](https://x.com/CooperCapitaI/status/2012976858581631302)  2026-01-18T19:54Z [---] followers, [--] engagements


"EVERYTHING you need to know about $SEZL. I made this for those who are looking for their next investment or those who wish to broaden your knowledge on the company Also contains personal insights beyond financials. Put on 2x speed and enjoy😁 https://youtu.be/B5kfsokLsk8 https://youtu.be/B5kfsokLsk8"  
[X Link](https://x.com/CooperCapitaI/status/2014127930188738722)  2026-01-22T00:08Z [---] followers, [----] engagements


"@DudeWhoInvests Im thinking about exiting bought at [---] and feel like we got a good portion of the rim for a while think it is time to move on better opportunities out there"  
[X Link](https://x.com/CooperCapitaI/status/2014324123896250442)  2026-01-22T13:07Z [---] followers, [--] engagements


"But I learned how to play chess because it is a game and I enjoy playing I dont find learning language to be a game but rather a skill focused entirely on increasing your value as a person but this disappears once I dont need to be able to speak in other languages myself anymore I understand others likely find the process fun but certainly not $DUOLs entire customer base. In the longer run I feel like it is going to be phased out some will learn languages because they enjoy it but the audience will grow increasingly smaller. $DUOL may make sense as a trade from a valuation perspective but I"  
[X Link](https://x.com/CooperCapitaI/status/2014352406033633764)  2026-01-22T15:00Z [---] followers, [---] engagements


"@wansaneb16 @DudeWhoInvests Yeah and this is what I am realizing $UNH is a great position but it is going to take years to realize where it is at. On the other hand companies like $SEZL may be close to realizing their values"  
[X Link](https://x.com/CooperCapitaI/status/2014352807701237918)  2026-01-22T15:01Z [---] followers, [---] engagements


"I used duol 2-3 years ago to learn begin learning German. I stopped because I just found it to not be useful. My case was because I live in America so not much use here. The modern argument is AI is just going to make learning language not as much use right Everyone starts Duolingo because they go to broaden their horizons and believe they are learning a skill that is actually useful. Once they realize that it takes a TON of commitment to become bilingual and believing they could just spend [--] min a day to learn a language they quit More people will quit as these skill become less useful"  
[X Link](https://x.com/CooperCapitaI/status/2014361391537311857)  2026-01-22T15:35Z [---] followers, [--] engagements


"@weary_centurion I do find it suspicious that nothing is being priced in It did make me think they are seeing something we dont But maybe they are just overlooking the opportunity here"  
[X Link](https://x.com/CooperCapitaI/status/2015089592920047951)  2026-01-24T15:49Z [---] followers, [---] engagements


"@Kalshi Because there is not nearly enough volume on these exchanges to make enough money Even if more hedge funds adopt this it will just be smart money vs smart money more foolish money in the markets than on Kalshi"  
[X Link](https://x.com/CooperCapitaI/status/2015146613925114275)  2026-01-24T19:36Z [---] followers, [---] engagements


"I am going to be making a video on the $DAVE. $DAVE is priced so attractively it is kind of hard not to be bullish but there is a reason why it is being priced that way The reason are the lawsuits out against them. If you understand them you understand the pricing. The lawsuits could materially impact the future of their business. The video will be out within the next few days. https://twitter.com/i/web/status/2015271226407530972 https://twitter.com/i/web/status/2015271226407530972"  
[X Link](https://x.com/CooperCapitaI/status/2015271226407530972)  2026-01-25T03:51Z [---] followers, [--] engagements


"WOW A BLATANT difference in how $KLAR and $SEZL report active consumers. By just logging into the Klarna app you are counted as an active consumer On Sezzle you actually have to make a purchase"  
[X Link](https://x.com/CooperCapitaI/status/2010084515893661888)  2026-01-10T20:21Z [---] followers, [----] engagements


"Why did $KLAR correct so aggresively after earnings Partially because credit losses outpaced interest income. This was due to 139% growth in fair financing GMV for the quarter. The problem is that the credit losses for the company are recognized now It will take a while for the interest income to flow in https://twitter.com/i/web/status/2011199577815183609 https://twitter.com/i/web/status/2011199577815183609"  
[X Link](https://x.com/CooperCapitaI/status/2011199577815183609)  2026-01-13T22:12Z [---] followers, [---] engagements


"$KLAR is a heavy user of AI in its business. Which actually provides it a WIDE moat. They are able to automate the positions of [---] $KLAR employees. I believe they would be destroyed if they did not BNPL companies have RAZOR thin margins. because most of them only make money from the merchandiser. unless using financing then they also earn income from the consumer. Meaning $KLAR really has to penny pinch. This will give it a strong advantage over other BNPL companies (that focus on merchant sided monetization paths) that don't implement AI in the same way Hats off to $KLAR in this realm"  
[X Link](https://x.com/CooperCapitaI/status/2011276082108833890)  2026-01-14T03:16Z [---] followers, [---] engagements


"It is believed $KLAR fell because of the increase in provisions for credit losses. $KLAR trades at what appears could be a low valuation based upon their GMV. Because Holiday season brought increases in consumer spending and Klarna is pushing fair financing I predict we are going to see another large increase in credit losses. This is not an indicator of an inefficiency in the company but rather an indicator of more business being done in riskier segments. If $KLAR falls again because of these increased provisions and is not able to turn a profit this quarter it may become the cheapest BNPL"  
[X Link](https://x.com/CooperCapitaI/status/2012916519752139045)  2026-01-18T15:54Z [---] followers, [---] engagements


"I absolutely agree with the fintech rebound. But I don't believe that $KLAR earnings will be bad at all in fact I think they are really good. But as we both now a cost of business with fair financing are these higher provisions. Thus provisions will likely increase largely which may scare off investors further correcting $KLAR and I believe this would be the Time to buy. Right now I am trying o reverse engineer Adobe results for shoppers to try and see if I should be buying for value before or after the earnings. $KLAR without a doubt will be a great opportunity it is just a matter of when"  
[X Link](https://x.com/CooperCapitaI/status/2012950312340918389)  2026-01-18T18:08Z [---] followers, [---] engagements


"Am I the only one who doesnt understand the point of learning a new language when AI is already acting as a translator $DUOL $DUOL is down 75% from its highs. That's why I will post multiple posts about it in the next few days. Don't forget to hit the follow button if you don't want to miss this. [--] Here's why AI is a tailwind for $DUOL not a headwind. Duolingo used vibe coding and generative AI https://t.co/pnjpa4uLmj $DUOL is down 75% from its highs. That's why I will post multiple posts about it in the next few days. Don't forget to hit the follow button if you don't want to miss this. 1"  
[X Link](https://x.com/CooperCapitaI/status/2014333199095140554)  2026-01-22T13:43Z [---] followers, [----] engagements


"@aleabitoreddit $UNH is a value play not a dividend play Brutal day but today will likely be recovered in the next few"  
[X Link](https://x.com/CooperCapitaI/status/2016181433161622008)  2026-01-27T16:08Z [---] followers, [---] engagements


"$DAVE looks like a completely safe investment purely from a valuation perspective Just make sure you know about the lawsuits they are in because they have major implications on the business I just made a video about the worrisome ones for investors and shareholders https://www.youtube.com/@ShadyInvestor https://www.youtube.com/@ShadyInvestor"  
[X Link](https://x.com/CooperCapitaI/status/2016693305816273062)  2026-01-29T02:02Z [---] followers, [---] engagements


"@MarcalCarbo @Figure_robot Im getting FOMO 😆"  
[X Link](https://x.com/CooperCapitaI/status/2016853235512881461)  2026-01-29T12:37Z [---] followers, [--] engagements


"Klarna under 10B I think I sense a deal"  
[X Link](https://x.com/CooperCapitaI/status/2016853639675965760)  2026-01-29T12:39Z [---] followers, [---] engagements


"@FischerJiriML @Klarna All that matters is faith for the BNPL sector stays strong among the holders. I am feeling pretty good for earnings knowing BNPL grew 10% YoY. It could be a possibility Klarna reports positive earnings"  
[X Link](https://x.com/CooperCapitaI/status/2016913653648220392)  2026-01-29T16:37Z [---] followers, [---] engagements


"I feel like the market is not making rational decisions about fintech as a sector $SEZL: -7% CFO movement may explain some volatility $PYPL: -1.3% sentiment has been worse than awful expect some strength after earnings $SOFI: -7% after earnings that were initially positively reacted to all other big fintech names seem to be getting crushed I don't really have too much fear going into earnings though. Pretty excited for the earnings season. Sezzle has a moat let it show this earnings season Paypal has been oversold let it be shown honorable mention $KLAR looking more attractive by the day"  
[X Link](https://x.com/CooperCapitaI/status/2017321602468192432)  2026-01-30T19:38Z [---] followers, [---] engagements


"opening an order for $SEZL @ [--] If it is hit my position will increase by over 30% If Sezzle goes this low shareholders can laugh all the way to the bank Its gonna be a wild ride but lets enjoy the lows while they're still here"  
[X Link](https://x.com/CooperCapitaI/status/2017331901594231100)  2026-01-30T20:19Z [---] followers, [---] engagements


"EWA isn't my specialty though I am trying to understand more as I look to $DAVE as a possibility so correct me if I am wrong here but the states and cities battling Dave are fighting Dave for operating outside of the legal interest rate (obviously other claims tipping subscriptions charity stuff but this is what would crush their business if they lost). The problem is if they have to go down to this legal interest rate their business becomes unprofitable in those areas they can't make money charging 33%. I don't see this as a problem for individual states but with the federal cases this is a"  
[X Link](https://x.com/CooperCapitaI/status/2018148318371582374)  2026-02-02T02:23Z [---] followers, [---] engagements


"I imagine it is after poor results from $PYPL holiday spending. The whole sector is lagging BNPL grew 10% this holiday its plain and simple I imagine provisons will be quite high this q as fair financing probably was the choice of consumers this holiday season as people moved away from options like $PYPL I am seriously thinking about entering I dont typically invest in unprofitable companies but this may be an exception https://twitter.com/i/web/status/2018707729003467225 https://twitter.com/i/web/status/2018707729003467225"  
[X Link](https://x.com/CooperCapitaI/status/2018707729003467225)  2026-02-03T15:26Z [---] followers, [---] engagements


"I just want to see how segments compare whether consumers opted for fair financing or BNPL over the holidays We already know the growth of BNPL but if we see strength from installments I think it to be possible to infer fair financing for klarna increases This should increase provisions which last time impacted price poorly (admittedly among other things) Certainly some trends in strengths will be able to be estimated before the release https://twitter.com/i/web/status/2019083949289730127 https://twitter.com/i/web/status/2019083949289730127"  
[X Link](https://x.com/CooperCapitaI/status/2019083949289730127)  2026-02-04T16:21Z [---] followers, [--] engagements


"I got this comment on my $PYPL vid a few weeks back I pretty much thought there was no way $PYPL could ever reach [--] because it would be unreasonably cheap and just a few weeks later"  
[X Link](https://x.com/CooperCapitaI/status/2019493883277639893)  2026-02-05T19:30Z [---] followers, [---] engagements


"Sezzle is the best business in the BNPL space I already have built the largest position I ever had there. I think Klarna sits at a valuation you just can't beat right now. The largest BNPL firm in the world doing +100B in GMV trading for under 8B seems like a steal They just need to hit profitability and I imagine price will rocket https://twitter.com/i/web/status/2019500407018717184 https://twitter.com/i/web/status/2019500407018717184"  
[X Link](https://x.com/CooperCapitaI/status/2019500407018717184)  2026-02-05T19:56Z [---] followers, [--] engagements

### Topic Creators

https://lunarcrush.com/api4/public/topic/:topic/creators/v1

Get the top creators for a social topic

input parameters:

+ **topic**: _Provide the topic to get details for. A topic must be all lower case and can only include letters, numbers, spaces, # and $._ **required**

Example request:

```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/topic/bitcoin/creators/v1
```



Example response:

```json
{
  "data": [
    {
      "creator_id": "twitter::1605310254085980161",
      "creator_name": "Bitcoin_Teddy",
      "creator_avatar": "https://pbs.twimg.com/profile_images/1739753415134138368/FrWHMAnb_200x200.jpg",
      "creator_followers": 74293,
      "creator_rank": 1,
      "interactions_24h": [-------]
    }
  ]
}
```

Schema:

+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours




---

### Creators List

https://lunarcrush.com/api4/public/creators/list/v1

Get a list of trending social creators over all of social based on interactions. To get lists of creators by category or topic see the topics and categories endpoints.

Example request:

```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creators/list/v1
```



Example response:

```json
{
  "data": [
    {
      "creator_name": "elonmusk",
      "creator_display_name": "Elon Musk",
      "creator_id": "44196397",
      "creator_network": "twitter",
      "creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
      "creator_followers": 234295750,
      "creator_posts": 3649,
      "creator_rank": 1,
      "interactions_24h": [---------]
    }
  ]
}
```

Schema:

+ **creator_name**: The unique screen name for the influencer
+ **creator_display_name**: The chosen display name for the influencer if available
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_network**: The social network for the post or influencer. We still refer to x as twitter out of developer preference.
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_posts**: total number of posts with interactions in the last [--] hours
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours




---

### Creator

https://lunarcrush.com/api4/public/creator/:network/:id/v1

Get detail information on a specific creator

input parameters:

+ **network**: _Provide the network for the creator. One of twitter, youtube, instagram, reddit, or tiktok_ **required**
+ **id**: _Provide the unique ID or screen name of the creator_ **required**

Example request:

```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/v1
```



Example response:

```json
{
  "data": {
    "creator_id": "twitter::44196397",
    "creator_name": "elonmusk",
    "creator_display_name": "Elon Musk",
    "creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
    "creator_followers": 234296337,
    "creator_rank": 2,
    "interactions_24h": 318539577,
    "topic_influence": [
      {
        "topic": "in the",
        "count": 294,
        "percent": 5.88,
        "rank": [--]
      }
    ],
    "top_community": [
      {
        "creator_name": "grok",
        "creator_display_name": "Grok",
        "creator_avatar": "https://pbs.twimg.com/profile_images/1893219113717342208/Vgg2hEPa_200x200.jpg",
        "count": [---]
      }
    ]
  }
}
```

Schema:

+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_display_name**: The chosen display name for the influencer if available
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
+ **topic_influence**: an array of social topics and the creators ranking on each topic
+ **topic**: LunarCrush social topic. Can only includes letters, numbers, spaces, #, and $
+ **top_community**: an array of the top accounts that have recently mentioned this creator or that this creator has mentioned




---

### Creator Time Series

https://lunarcrush.com/api4/public/creator/:network/:id/time-series/v1

Get time series data on a creator.

input parameters:

+ **network**: _Influencer social network_ **required**
+ **id**: _The unique id or screen name of the creator_ **required**
+ **bucket**: _bucket time series data into hours or days. default is hours._ 
+ **interval**: _Use interval to specify the start and end time automatically for convenience. If "start" or "end" parameters are provided this parameter is ignored._ 
+ **start**: _The start time (unix timestamp) to go back to._ 
+ **end**: _The end time (unix timestamp) to stop at._ 

Example request:

```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/lunarcrush/time-series/v1
```



Example response:

```json
{
  "config": {
    "network": "twitter",
    "influencer_id": "twitter::988992203568562176",
    "interval": "1w",
    "start": 1769990400,
    "end": 1770681600,
    "bucket": "hour",
    "name": "lunarcrush",
    "remote_api": "danode1-13",
    "generated": [----------]
  },
  "data": [
    {
      "time": 1769990400,
      "followers": 305326,
      "interactions": 717,
      "posts_active": 14,
      "creator_rank": [------]
    }
  ]
}
```

Schema:

+ **config**: This includes the inputs for the request processed by the server and may include additional hints about the request and response information.
+ **network**: The social network for the post or influencer. We still refer to x as twitter out of developer preference.
+ **interval**: Typically used for specifying time intervals like 1w = [--] week, 1m = [--] month etc
+ **start**: Start/from unix timestamp (in seconds)
+ **end**: End/to unix timestamp (in seconds)
+ **bucket**: Data is generally bucketed into hours or days
+ **name**: The full name of the asset
+ **generated**: A unix timestamp (in seconds) when the data was generated to understand possibly stale data
+ **time**: A unix timestamp (in seconds)
+ **followers**: The number of publicly displayed followers the creator has
+ **interactions**: number of all publicly measurable interactions on a social post (views, likes, comments, thumbs up, upvote, share etc)
+ **posts_active**: number of unique social posts with interactions
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions




---

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