[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.] #  @granaresearch Grana Research Grana Research posts on X about $wise, $wisel, $rely, crcl the most. They currently have XX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1565358489018552323/interactions)  ### Mentions: XX [#](/creator/twitter::1565358489018552323/posts_active)  ### Followers: XX [#](/creator/twitter::1565358489018552323/followers)  ### CreatorRank: XXXXXXXXX [#](/creator/twitter::1565358489018552323/influencer_rank)  ### Social Influence [#](/creator/twitter::1565358489018552323/influence) --- **Social category influence** [cryptocurrencies](/list/cryptocurrencies) XXXXX% [stocks](/list/stocks) XX% [finance](/list/finance) XX% [exchanges](/list/exchanges) XXXXX% [technology brands](/list/technology-brands) XXXXX% **Social topic influence** [$wise](/topic/$wise) #2, [$wisel](/topic/$wisel) #3, [$rely](/topic/$rely) 25%, [crcl](/topic/crcl) 16.67%, [$crcl](/topic/$crcl) 16.67%, [$coin](/topic/$coin) 16.67%, [money](/topic/money) 16.67%, [$txn](/topic/$txn) 8.33%, [$nxpi](/topic/$nxpi) 8.33%, [$xrp](/topic/$xrp) XXXX% **Top accounts mentioned or mentioned by** [@saveonsend](/creator/undefined) [@johnhuber72](/creator/undefined) [@investornick](/creator/undefined) **Top assets mentioned** [Wise (WISE)](/topic/$wise) [Remitly Global, Inc. Common Stock (RELY)](/topic/$rely) [Circle Internet Group, Inc. (CRCL)](/topic/$crcl) [Mario Coin (COIN)](/topic/$coin) [Texas Instruments (TXN)](/topic/$txn) [NXP Semiconductors NV (NXPI)](/topic/$nxpi) [XRP (XRP)](/topic/$xrp) [Neural Protocol (NRP)](/topic/$nrp) [First Citizens BancShares, Inc. (FCNCA)](/topic/$fcnca) [Western Union Co (WU)](/topic/$wu) [Expedia Group Inc (EXPE)](/topic/$expe) [Booking Holdings Inc (BKNG)](/topic/$bkng) [Morgan Stanley (MS)](/topic/morgan-stanley) ### Top Social Posts [#](/creator/twitter::1565358489018552323/posts) --- Top posts by engagements in the last XX hours "The earnings reports from $NXPI and $TXN clearly illustrate why you need to get positioned well before a cyclical recovery actually begins. I know quite a few PMs who started building positions right around the start of earnings season"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947936527952019736) 2025-07-23 08:27:13 UTC XX followers, XX engagements "The graveyard of crypto MTOs by @SaveOnSend. Tell me once again how crypto will disrupt the money transfer industry $WISE $RELY $XRP $COIN $CRCL"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1946111605546107278) 2025-07-18 07:35:38 UTC XX followers, XXX engagements ""Ben Graham said that the market is there to serve us not to be its master. Fortunately there are some great businesses with management teams who understand this: Natural Resource Partners $NRP Medical Facilities $MFCSF and First Citizens $FCNCA are three examples that come to mind that briefly traded at this level at points in the last few years." @JohnHuber72 👏"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1945482279557497227) 2025-07-16 13:54:55 UTC XX followers, XXX engagements "Wise $WISE $WISE.L currently has the lowest take rate in the industry charging customers just 0.52%. Western Union's $WU take rate is XXX% and Remitly's $RELY is 2.3%. This massive gap is primarily the result of Wises robust infrastructure. Why cant competitors replicate this infrastructure Traditional banks dont pursue this for two main reasons: 1/ Money transfers represent a negligible share of their business roughly XXX% of total banking revenue and about 1-1.5% of consumer banking income. 2/ There is an informal barter system between banks where correspondent banking is just one part of a"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947203736121540726) 2025-07-21 07:55:22 UTC XX followers, 3725 engagements "My first deep dive on Wise $WISE $WISE.L is now available on Substack free to read. Like and subscribe Wise: A Disruptor in the Remittance Market"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947360125347356680) 2025-07-21 18:16:48 UTC XX followers, XXX engagements "I'm happy to share my updated $WISE model following the Q1 trading update with anyone who follows this account and reposts this post. Once youve done that feel free to DM. A few thoughts on the $WISE $WISE.L update: At first glance the numbers looked soft revenue and underlying income came in below expectations. But once I ran the update through my model it became clear the market overreacted. Shares dropped XX% early in the session then recovered to -XXX% by the close. Most likely other investors just needed time to rework their models too. Why the results aren't bad at all: Active customers"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1945859619500290176) 2025-07-17 14:54:20 UTC XX followers, 7712 engagements "Wise $WISE $WISE.L is one of the best investment opportunities across fintechs because: Wise offers the lowest-cost solution in the industry: the average take rate for personal transfers is XXXX% and for business transfers 0.39%. The blended take rate stands at XXXX% down from XXXX% a year earlier. For comparison Western Unions rate remains around XXX% and Remitlys at 2.3%. The low take rate is a result of Wises advanced infrastructure which took years to build. Replicating it is difficult requiring dozens of integrations licenses and regulatory approvals across jurisdictions. This creates a"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947553482459746688) 2025-07-22 07:05:08 UTC XX followers, XXX engagements "Some thoughts on Expedia $EXPE. We plan to allocate approximately X% of our portfolio's NAV to the company. The position is already XX% built. I wouldn't bet on Expedia being a multibagger. However in my opinion the risk/reward is significantly skewed in our favor. Why 1/ Most Europeans dont realize that Booking $BKNG doesnt dominate the U.S. market. Expedia is a leader in U.S. online bookings accounting for around XX% of all booked room nights domestically. Concerns that Expedia would lose share to Booking have largely driven the stock's underperformance. But recent traffic data suggest that"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947665503146623378) 2025-07-22 14:30:16 UTC XX followers, XX engagements "A few words about the conflict between $WISE $WISE.L co-founders Hinrikus and Krmann. Hinrikus has long been removed from the companys day-to-day operations. While his grievance may be legitimate I dont believe he has much chance of success. I assume most shareholders would be content if Krmann retained control. So far he has proven to be an extremely effective manager. In any case a conflict (or even a potential conflict) between the two largest shareholders is never a positive development. That said I dont think it will have any real impact on the quality of corporate governance. After all"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947577064124530703) 2025-07-22 08:38:50 UTC XX followers, XXX engagements "While the market is buzzing with talk about crypto revolutionizing finance $WISE Currencycloud $V and Airwallex are quietly carving up a market worth tens of trillions of dollars. And yes Wise is a strong contender for the biggest slice. $CRCL $COIN $RELY"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1945472133347287517) 2025-07-16 13:14:36 UTC XX followers, XXX engagements
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@granaresearch Grana Research
Grana Research posts on X about $wise, $wisel, $rely, crcl the most. They currently have XX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
Mentions: XX #
Followers: XX #
CreatorRank: XXXXXXXXX #
Social Influence #
Social category influence cryptocurrencies XXXXX% stocks XX% finance XX% exchanges XXXXX% technology brands XXXXX%
Social topic influence $wise #2, $wisel #3, $rely 25%, crcl 16.67%, $crcl 16.67%, $coin 16.67%, money 16.67%, $txn 8.33%, $nxpi 8.33%, $xrp XXXX%
Top accounts mentioned or mentioned by @saveonsend @johnhuber72 @investornick
Top assets mentioned Wise (WISE) Remitly Global, Inc. Common Stock (RELY) Circle Internet Group, Inc. (CRCL) Mario Coin (COIN) Texas Instruments (TXN) NXP Semiconductors NV (NXPI) XRP (XRP) Neural Protocol (NRP) First Citizens BancShares, Inc. (FCNCA) Western Union Co (WU) Expedia Group Inc (EXPE) Booking Holdings Inc (BKNG) Morgan Stanley (MS)
Top Social Posts #
Top posts by engagements in the last XX hours
"The earnings reports from $NXPI and $TXN clearly illustrate why you need to get positioned well before a cyclical recovery actually begins. I know quite a few PMs who started building positions right around the start of earnings season"
@granaresearch on X 2025-07-23 08:27:13 UTC XX followers, XX engagements
"The graveyard of crypto MTOs by @SaveOnSend. Tell me once again how crypto will disrupt the money transfer industry $WISE $RELY $XRP $COIN $CRCL" @granaresearch on X 2025-07-18 07:35:38 UTC XX followers, XXX engagements
""Ben Graham said that the market is there to serve us not to be its master. Fortunately there are some great businesses with management teams who understand this: Natural Resource Partners $NRP Medical Facilities $MFCSF and First Citizens $FCNCA are three examples that come to mind that briefly traded at this level at points in the last few years." @JohnHuber72 👏" @granaresearch on X 2025-07-16 13:54:55 UTC XX followers, XXX engagements
"Wise $WISE $WISE.L currently has the lowest take rate in the industry charging customers just 0.52%. Western Union's $WU take rate is XXX% and Remitly's $RELY is 2.3%. This massive gap is primarily the result of Wises robust infrastructure. Why cant competitors replicate this infrastructure Traditional banks dont pursue this for two main reasons: 1/ Money transfers represent a negligible share of their business roughly XXX% of total banking revenue and about 1-1.5% of consumer banking income. 2/ There is an informal barter system between banks where correspondent banking is just one part of a" @granaresearch on X 2025-07-21 07:55:22 UTC XX followers, 3725 engagements
"My first deep dive on Wise $WISE $WISE.L is now available on Substack free to read. Like and subscribe Wise: A Disruptor in the Remittance Market" @granaresearch on X 2025-07-21 18:16:48 UTC XX followers, XXX engagements
"I'm happy to share my updated $WISE model following the Q1 trading update with anyone who follows this account and reposts this post. Once youve done that feel free to DM. A few thoughts on the $WISE $WISE.L update: At first glance the numbers looked soft revenue and underlying income came in below expectations. But once I ran the update through my model it became clear the market overreacted. Shares dropped XX% early in the session then recovered to -XXX% by the close. Most likely other investors just needed time to rework their models too. Why the results aren't bad at all: Active customers" @granaresearch on X 2025-07-17 14:54:20 UTC XX followers, 7712 engagements
"Wise $WISE $WISE.L is one of the best investment opportunities across fintechs because: Wise offers the lowest-cost solution in the industry: the average take rate for personal transfers is XXXX% and for business transfers 0.39%. The blended take rate stands at XXXX% down from XXXX% a year earlier. For comparison Western Unions rate remains around XXX% and Remitlys at 2.3%. The low take rate is a result of Wises advanced infrastructure which took years to build. Replicating it is difficult requiring dozens of integrations licenses and regulatory approvals across jurisdictions. This creates a" @granaresearch on X 2025-07-22 07:05:08 UTC XX followers, XXX engagements
"Some thoughts on Expedia $EXPE. We plan to allocate approximately X% of our portfolio's NAV to the company. The position is already XX% built. I wouldn't bet on Expedia being a multibagger. However in my opinion the risk/reward is significantly skewed in our favor. Why 1/ Most Europeans dont realize that Booking $BKNG doesnt dominate the U.S. market. Expedia is a leader in U.S. online bookings accounting for around XX% of all booked room nights domestically. Concerns that Expedia would lose share to Booking have largely driven the stock's underperformance. But recent traffic data suggest that" @granaresearch on X 2025-07-22 14:30:16 UTC XX followers, XX engagements
"A few words about the conflict between $WISE $WISE.L co-founders Hinrikus and Krmann. Hinrikus has long been removed from the companys day-to-day operations. While his grievance may be legitimate I dont believe he has much chance of success. I assume most shareholders would be content if Krmann retained control. So far he has proven to be an extremely effective manager. In any case a conflict (or even a potential conflict) between the two largest shareholders is never a positive development. That said I dont think it will have any real impact on the quality of corporate governance. After all" @granaresearch on X 2025-07-22 08:38:50 UTC XX followers, XXX engagements
"While the market is buzzing with talk about crypto revolutionizing finance $WISE Currencycloud $V and Airwallex are quietly carving up a market worth tens of trillions of dollars. And yes Wise is a strong contender for the biggest slice. $CRCL $COIN $RELY" @granaresearch on X 2025-07-16 13:14:36 UTC XX followers, XXX engagements