[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @UnicusResearch Unicus Unicus posts on X about $cvna, debt, auto loans, signals the most. They currently have XXXXXX followers and 1705 posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1370821619145379842/interactions)  - X Week XXXXXX -XX% - X Month XXXXXXX +18% - X Months XXXXXXXXX +66% - X Year XXXXXXXXX +464% ### Mentions: XX [#](/creator/twitter::1370821619145379842/posts_active)  - X Month XX -XX% - X Months XXX +67% - X Year XXX +55% ### Followers: XXXXXX [#](/creator/twitter::1370821619145379842/followers)  - X Week XXXXXX +1.10% - X Month XXXXXX +4.90% - X Months XXXXXX +54% - X Year XXXXXX +175% ### CreatorRank: XXXXXXX [#](/creator/twitter::1370821619145379842/influencer_rank)  ### Social Influence [#](/creator/twitter::1370821619145379842/influence) --- **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [technology brands](/list/technology-brands) [cryptocurrencies](/list/cryptocurrencies) [social networks](/list/social-networks) **Social topic influence** [$cvna](/topic/$cvna), [debt](/topic/debt), [auto loans](/topic/auto-loans), [signals](/topic/signals), [all the](/topic/all-the), [$163t](/topic/$163t), [private equity](/topic/private-equity), [bloomberg](/topic/bloomberg), [$kmx](/topic/$kmx), [$ally](/topic/$ally) **Top assets mentioned** [Carvana Co. (CVNA)](/topic/$cvna) [CarMax, Inc (KMX)](/topic/$kmx) [Ally Financial, Inc. (ALLY)](/topic/$ally) [Airbnb Inc (ABNB)](/topic/$abnb) [Basis Cash (BAC)](/topic/$bac) [DT Midstream, Inc. (DTM)](/topic/$dtm) [Dash (DASH)](/topic/$dash) ### Top Social Posts [#](/creator/twitter::1370821619145379842/posts) --- Top posts by engagements in the last XX hours "Rite Aid is shutting down all the stores for good"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1943027356010189305) 2025-07-09 19:19:56 UTC 10.2K followers, 2563 engagements "🚩Carvana had the loans but not the buyers. We analyzed the data and the prospectus for all the trusts in 2025 - P1 P2 and N1. We found something interesting in CVNA- P2 trusts. Link and analysis below"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944408695460205025) 2025-07-13 14:48:53 UTC 10.2K followers, 10.3K engagements "$ABNB is done. Yes they have cash. Yes they have little to no debt. But $ABNB business model sucks and littered with legal and regulatory quagmire"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1941853407439974593) 2025-07-06 13:35:04 UTC 10.2K followers, 8227 engagements "🚩 Auto loans just passed $1.63T more than student debt. - XXXX% of new loans now stretch past XX months - Texas delinquency: XXXX% - Dealers: frozen inventory failed trade-ins (per our sources) - ABS losses are building quietly What were hearing on the ground matches the data. Full breakdown below"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1943013576614011182) 2025-07-09 18:25:10 UTC 10.2K followers, 45.4K engagements "Regardless of ones political side there comes a point where an admin cant shuffle policies kick the can down the road ignore or distract from the core issues. With the firing of Chair Powell we will be at that point right about now"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1945507260232290489) 2025-07-16 15:34:11 UTC 10.2K followers, 1310 engagements "$BAC has the largest consumer loan portfolio among the group spanning credit cards mortgages HELOCs and personal loans. Q2 already showed higher provisions ($1.6B) due to creeping credit costs signaling that household stress from inflation/tariffs is showing up first in big retail banks like BAC"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1945839449436307907) 2025-07-17 13:34:11 UTC 10.2K followers, XXX engagements "🚨To anyone and everyone who is out there please know the analysis source digging that we do on consumer credit and auto you will not find it in main stream media. Same goes for @thejobchick for layoffs data and @m3_melody for housing. Because: Credit rating agencies mainstream media (yes including your expensive BB) are fashionably late in reporting FACTS"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1943038141415202860) 2025-07-09 20:02:47 UTC 10.2K followers, 3561 engagements "Alright now anyone tracked this process the first time around please tell us who we will be in discussion with next"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944538465967726932) 2025-07-13 23:24:32 UTC 10.2K followers, 1889 engagements "🚨FDIC Q1 2025: $413.2B unrealized bond losses remain. Big Four = XX% of the total ($172B) CRE past due rates XXXX% highest since 2014 Maturities Not until 20292032 A slow persistent trap. - a thread🧵 Link below"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1945436451958632644) 2025-07-16 10:52:49 UTC 10.2K followers, 4765 engagements "🚨 An opaque algorithm now decides your creditworthiness and youll never know why. Even prime BNPL users are being denied in real time. Not for missing payments but for looking like they might. This is the rise of the black-box credit model. Part II:"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1939674647374823637) 2025-06-30 13:17:28 UTC 10.2K followers, 1469 engagements "🚩 5000+ $CVNA auto loans repoed. - $273M gain booked. - $3M unrealized securitization gains despite deep subprime wipeouts. The stress isnt showing up in earnings but its already real. We traced the gap. Here is a sample of what's to come in our new Off the Books series. Link below"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1938991408742048082) 2025-06-28 16:02:31 UTC 10.2K followers, 16.8K engagements "1. What were building: Were overlaying trust-level credit stress signals with GAAP financials to pinpoint where and when loan losses start impacting the income statement. This is not from earnings calls. Not on Bloomberg. Not backward-looking. Its built loan-by-loan from raw data using our in-house data team"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1942056500978921956) 2025-07-07 03:02:06 UTC 10.2K followers, XXX engagements "🚩 CPI for all items rises XXX% in June; shelter up . The lag is catching up. No rate cuts this year"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1945100326408761581) 2025-07-15 12:37:10 UTC 10.2K followers, 3892 engagements "🚨 Ignore the noise. We have X more defaults. - Del Monte bankrupt. Radiate restructured. - Net upgrades look encouraging but consumer telecom & chemical stress are growing. Heres whats breaking beneath the surface. This week in credit - check the comment for access"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1942684558823981441) 2025-07-08 20:37:46 UTC 10.2K followers, 1858 engagements "🚨 X downgrades. X upgrades. X default. Rising stars (MercadoLibre DT Midstream) cant mask chemicals consumer & utilities stress. Spreads stay calm but CDS hedges are creeping higher. This weeks credit breakdown - link below"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1945217840300081356) 2025-07-15 20:24:08 UTC 10.2K followers, 2866 engagements "🚨 PSA: Our team is working on a high-level project tracking the deterioration of off-balance-sheet credit across auto ABS trusts from 2020 to now. Names include: $CVNA $ALLY $KMX and more.- a thread🧵"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1942056460596265334) 2025-07-07 03:01:56 UTC 10.2K followers, 40.8K engagements "🚩 Consumers are squeezed out of life. In just months four shocks have collided: - A Texas judge reversed medical debt reporting protections - Student loan payments resumed XX% missed the first bill. Credit scores hit by 100+ points - H.R.1 slashes Medicaid rolls. - BNPL debts now hits your credit score"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944736842504356133) 2025-07-14 12:32:49 UTC 10.2K followers, 4117 engagements "🚩If a CVNA trust "blows up" generally no recourse. Thats the point of ABS to ring-fence risk via a bankruptcy-remote trust. BUT here are the exceptionsthe failed ABS trust doesnt legally come back to Carvana but the funding pipeline gets clogged Link below:"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944891320754958753) 2025-07-14 22:46:39 UTC 10.2K followers, 2302 engagements "We have to feel sorry for everyone who went to jail for market manipulation. Just. check this statement below"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944801923560857658) 2025-07-14 16:51:25 UTC 10.2K followers, 1847 engagements "Congress is reportedly attempting to prevent Ghislaine Maxwell from disclosing Jeffrey Epsteins client list according to Daily Mail. Cant keep up with news"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944804208621793512) 2025-07-14 17:00:30 UTC 10.2K followers, 6704 engagements "1. What were building: Were overlaying trust-level credit stress signals with GAAP financials to pinpoint where and when loan losses start impacting the income statement. This is not from earnings calls. Not on Bloomberg. Not backward-looking. Its built loan-by-loan from raw data using our in-house data team"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1942056462685204965) 2025-07-07 03:01:57 UTC 10.2K followers, 1433 engagements "Guess SBF the women who went to jail for pharma and everyone in between are getting ready to be pardoned I mean if we are including PE in 401K- guess anything is a possibility"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1945259568264581127) 2025-07-15 23:09:56 UTC 10.2K followers, 1373 engagements "1. Preliminary trust-level data will be released in our newsletter for Confidential Insights members. You can access here by subscribing to Confidential Insights:"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944103177709560041) 2025-07-12 18:34:51 UTC 10.2K followers, 1336 engagements "🚩Buyers cant trade out. Dealers cant absorb losses. Banks cant lend. OEMs cant move units. Repo liquidation is frozen - from our sources. You can't make this up. How anyone will continue paying $1000/month We have covered it in detail. A deeper report to be published to our clients today"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1943014796087242762) 2025-07-09 18:30:01 UTC 10.2K followers, 4103 engagements "🚩Were tracking Allys first 2022 auto loan securitization- vintage. Total value of the securitization: $XXXX B - 60+ day delinquencies have risen 7x since issuance. - XXX% of loans now modified - Repo recoveries are slipping The unwind is slow but its begun. The analysis is on the link below👇"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1943707213358371101) 2025-07-11 16:21:26 UTC 10.2K followers, 8922 engagements "2. The full Trust analysis including month-by-month deterioration charge-off velocity and linkage to Ally and Carvanas financials will be available exclusively to clients as and when our team analyzes the data. This is real-time credit decay tracked before it shows up in the equity. To become a client email: laks@unicusresearch.com"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944103179479580743) 2025-07-12 18:34:52 UTC 10.2K followers, 1272 engagements "@CapitalMktGuy @CrustyTumor @cherrygarciafan @allen_drewe Same. We stopped using $DASH a while ago too"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1943042977133428888) 2025-07-09 20:22:00 UTC 10.2K followers, XXX engagements "🚩 Announcement: $ALLY $CVNA $KMX and other Lenders - a thread🧵 Were launching a trust-by-trust surveillance initiative covering Ally and Carvanas auto ABS deals this month beginning with AART 2022 to 2025 and CVNA 2021-P1/N1 to 2025. A new product for our clients. Here is how to access them:"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944103175793127479) 2025-07-12 18:34:51 UTC 10.2K followers, 20.7K engagements "Make it make sense. Question: anyone anywhere in Twitter worked with Bessent before Curios"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1942237461586870699) 2025-07-07 15:01:10 UTC 10.2K followers, 1586 engagements "🚨This weeks macro signals point to a dangerous convergence: tariffs are back on the table inflation expectations are creeping higher and yet markets are increasingly pricing in a Fed rate cut this fall. Layer in the regulatory loosening under the latest banking proposals and we may be walking straight into a policy trap one where inflation re-accelerates just as the Fed decides to ease"  [@UnicusResearch](/creator/x/UnicusResearch) on [X](/post/tweet/1944591011012845980) 2025-07-14 02:53:20 UTC 10.2K followers, 1730 engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@UnicusResearch Unicus
Unicus posts on X about $cvna, debt, auto loans, signals the most. They currently have XXXXXX followers and 1705 posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX -XX%
- X Month XXXXXXX +18%
- X Months XXXXXXXXX +66%
- X Year XXXXXXXXX +464%
Mentions: XX #
- X Month XX -XX%
- X Months XXX +67%
- X Year XXX +55%
Followers: XXXXXX #
- X Week XXXXXX +1.10%
- X Month XXXXXX +4.90%
- X Months XXXXXX +54%
- X Year XXXXXX +175%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence finance stocks technology brands cryptocurrencies social networks
Social topic influence $cvna, debt, auto loans, signals, all the, $163t, private equity, bloomberg, $kmx, $ally
Top assets mentioned Carvana Co. (CVNA) CarMax, Inc (KMX) Ally Financial, Inc. (ALLY) Airbnb Inc (ABNB) Basis Cash (BAC) DT Midstream, Inc. (DTM) Dash (DASH)
Top Social Posts #
Top posts by engagements in the last XX hours
"Rite Aid is shutting down all the stores for good"
@UnicusResearch on X 2025-07-09 19:19:56 UTC 10.2K followers, 2563 engagements
"🚩Carvana had the loans but not the buyers. We analyzed the data and the prospectus for all the trusts in 2025 - P1 P2 and N1. We found something interesting in CVNA- P2 trusts. Link and analysis below" @UnicusResearch on X 2025-07-13 14:48:53 UTC 10.2K followers, 10.3K engagements
"$ABNB is done. Yes they have cash. Yes they have little to no debt. But $ABNB business model sucks and littered with legal and regulatory quagmire" @UnicusResearch on X 2025-07-06 13:35:04 UTC 10.2K followers, 8227 engagements
"🚩 Auto loans just passed $1.63T more than student debt. - XXXX% of new loans now stretch past XX months - Texas delinquency: XXXX% - Dealers: frozen inventory failed trade-ins (per our sources) - ABS losses are building quietly What were hearing on the ground matches the data. Full breakdown below" @UnicusResearch on X 2025-07-09 18:25:10 UTC 10.2K followers, 45.4K engagements
"Regardless of ones political side there comes a point where an admin cant shuffle policies kick the can down the road ignore or distract from the core issues. With the firing of Chair Powell we will be at that point right about now" @UnicusResearch on X 2025-07-16 15:34:11 UTC 10.2K followers, 1310 engagements
"$BAC has the largest consumer loan portfolio among the group spanning credit cards mortgages HELOCs and personal loans. Q2 already showed higher provisions ($1.6B) due to creeping credit costs signaling that household stress from inflation/tariffs is showing up first in big retail banks like BAC" @UnicusResearch on X 2025-07-17 13:34:11 UTC 10.2K followers, XXX engagements
"🚨To anyone and everyone who is out there please know the analysis source digging that we do on consumer credit and auto you will not find it in main stream media. Same goes for @thejobchick for layoffs data and @m3_melody for housing. Because: Credit rating agencies mainstream media (yes including your expensive BB) are fashionably late in reporting FACTS" @UnicusResearch on X 2025-07-09 20:02:47 UTC 10.2K followers, 3561 engagements
"Alright now anyone tracked this process the first time around please tell us who we will be in discussion with next" @UnicusResearch on X 2025-07-13 23:24:32 UTC 10.2K followers, 1889 engagements
"🚨FDIC Q1 2025: $413.2B unrealized bond losses remain. Big Four = XX% of the total ($172B) CRE past due rates XXXX% highest since 2014 Maturities Not until 20292032 A slow persistent trap. - a thread🧵 Link below" @UnicusResearch on X 2025-07-16 10:52:49 UTC 10.2K followers, 4765 engagements
"🚨 An opaque algorithm now decides your creditworthiness and youll never know why. Even prime BNPL users are being denied in real time. Not for missing payments but for looking like they might. This is the rise of the black-box credit model. Part II:" @UnicusResearch on X 2025-06-30 13:17:28 UTC 10.2K followers, 1469 engagements
"🚩 5000+ $CVNA auto loans repoed. - $273M gain booked. - $3M unrealized securitization gains despite deep subprime wipeouts. The stress isnt showing up in earnings but its already real. We traced the gap. Here is a sample of what's to come in our new Off the Books series. Link below" @UnicusResearch on X 2025-06-28 16:02:31 UTC 10.2K followers, 16.8K engagements
"1. What were building: Were overlaying trust-level credit stress signals with GAAP financials to pinpoint where and when loan losses start impacting the income statement. This is not from earnings calls. Not on Bloomberg. Not backward-looking. Its built loan-by-loan from raw data using our in-house data team" @UnicusResearch on X 2025-07-07 03:02:06 UTC 10.2K followers, XXX engagements
"🚩 CPI for all items rises XXX% in June; shelter up . The lag is catching up. No rate cuts this year" @UnicusResearch on X 2025-07-15 12:37:10 UTC 10.2K followers, 3892 engagements
"🚨 Ignore the noise. We have X more defaults. - Del Monte bankrupt. Radiate restructured. - Net upgrades look encouraging but consumer telecom & chemical stress are growing. Heres whats breaking beneath the surface. This week in credit - check the comment for access" @UnicusResearch on X 2025-07-08 20:37:46 UTC 10.2K followers, 1858 engagements
"🚨 X downgrades. X upgrades. X default. Rising stars (MercadoLibre DT Midstream) cant mask chemicals consumer & utilities stress. Spreads stay calm but CDS hedges are creeping higher. This weeks credit breakdown - link below" @UnicusResearch on X 2025-07-15 20:24:08 UTC 10.2K followers, 2866 engagements
"🚨 PSA: Our team is working on a high-level project tracking the deterioration of off-balance-sheet credit across auto ABS trusts from 2020 to now. Names include: $CVNA $ALLY $KMX and more.- a thread🧵" @UnicusResearch on X 2025-07-07 03:01:56 UTC 10.2K followers, 40.8K engagements
"🚩 Consumers are squeezed out of life. In just months four shocks have collided: - A Texas judge reversed medical debt reporting protections - Student loan payments resumed XX% missed the first bill. Credit scores hit by 100+ points - H.R.1 slashes Medicaid rolls. - BNPL debts now hits your credit score" @UnicusResearch on X 2025-07-14 12:32:49 UTC 10.2K followers, 4117 engagements
"🚩If a CVNA trust "blows up" generally no recourse. Thats the point of ABS to ring-fence risk via a bankruptcy-remote trust. BUT here are the exceptionsthe failed ABS trust doesnt legally come back to Carvana but the funding pipeline gets clogged Link below:" @UnicusResearch on X 2025-07-14 22:46:39 UTC 10.2K followers, 2302 engagements
"We have to feel sorry for everyone who went to jail for market manipulation. Just. check this statement below" @UnicusResearch on X 2025-07-14 16:51:25 UTC 10.2K followers, 1847 engagements
"Congress is reportedly attempting to prevent Ghislaine Maxwell from disclosing Jeffrey Epsteins client list according to Daily Mail. Cant keep up with news" @UnicusResearch on X 2025-07-14 17:00:30 UTC 10.2K followers, 6704 engagements
"1. What were building: Were overlaying trust-level credit stress signals with GAAP financials to pinpoint where and when loan losses start impacting the income statement. This is not from earnings calls. Not on Bloomberg. Not backward-looking. Its built loan-by-loan from raw data using our in-house data team" @UnicusResearch on X 2025-07-07 03:01:57 UTC 10.2K followers, 1433 engagements
"Guess SBF the women who went to jail for pharma and everyone in between are getting ready to be pardoned I mean if we are including PE in 401K- guess anything is a possibility" @UnicusResearch on X 2025-07-15 23:09:56 UTC 10.2K followers, 1373 engagements
"1. Preliminary trust-level data will be released in our newsletter for Confidential Insights members. You can access here by subscribing to Confidential Insights:" @UnicusResearch on X 2025-07-12 18:34:51 UTC 10.2K followers, 1336 engagements
"🚩Buyers cant trade out. Dealers cant absorb losses. Banks cant lend. OEMs cant move units. Repo liquidation is frozen - from our sources. You can't make this up. How anyone will continue paying $1000/month We have covered it in detail. A deeper report to be published to our clients today" @UnicusResearch on X 2025-07-09 18:30:01 UTC 10.2K followers, 4103 engagements
"🚩Were tracking Allys first 2022 auto loan securitization- vintage. Total value of the securitization: $XXXX B - 60+ day delinquencies have risen 7x since issuance. - XXX% of loans now modified - Repo recoveries are slipping The unwind is slow but its begun. The analysis is on the link below👇" @UnicusResearch on X 2025-07-11 16:21:26 UTC 10.2K followers, 8922 engagements
"2. The full Trust analysis including month-by-month deterioration charge-off velocity and linkage to Ally and Carvanas financials will be available exclusively to clients as and when our team analyzes the data. This is real-time credit decay tracked before it shows up in the equity. To become a client email: laks@unicusresearch.com" @UnicusResearch on X 2025-07-12 18:34:52 UTC 10.2K followers, 1272 engagements
"@CapitalMktGuy @CrustyTumor @cherrygarciafan @allen_drewe Same. We stopped using $DASH a while ago too" @UnicusResearch on X 2025-07-09 20:22:00 UTC 10.2K followers, XXX engagements
"🚩 Announcement: $ALLY $CVNA $KMX and other Lenders - a thread🧵 Were launching a trust-by-trust surveillance initiative covering Ally and Carvanas auto ABS deals this month beginning with AART 2022 to 2025 and CVNA 2021-P1/N1 to 2025. A new product for our clients. Here is how to access them:" @UnicusResearch on X 2025-07-12 18:34:51 UTC 10.2K followers, 20.7K engagements
"Make it make sense. Question: anyone anywhere in Twitter worked with Bessent before Curios" @UnicusResearch on X 2025-07-07 15:01:10 UTC 10.2K followers, 1586 engagements
"🚨This weeks macro signals point to a dangerous convergence: tariffs are back on the table inflation expectations are creeping higher and yet markets are increasingly pricing in a Fed rate cut this fall. Layer in the regulatory loosening under the latest banking proposals and we may be walking straight into a policy trap one where inflation re-accelerates just as the Fed decides to ease" @UnicusResearch on X 2025-07-14 02:53:20 UTC 10.2K followers, 1730 engagements