# ![@retaox Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1083159258173198337.png) @retaox Durable Investments 

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

### Engagements: [---] [#](/creator/twitter::1083159258173198337/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1083159258173198337/c:line/m:interactions.svg)

- [--] Week [-----] -78%
- [--] Month [------] +2.70%
- [--] Months [-------] -26%
- [--] Year [-------] +5.40%

### Mentions: [--] [#](/creator/twitter::1083159258173198337/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1083159258173198337/c:line/m:posts_active.svg)

- [--] Month [--] -68%
- [--] Months [---] +56%
- [--] Year [---] +25%

### Followers: [-----] [#](/creator/twitter::1083159258173198337/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1083159258173198337/c:line/m:followers.svg)

- [--] Week [-----] -0.01%
- [--] Month [-----] +0.26%
- [--] Months [-----] +0.94%
- [--] Year [-----] +4.30%

### CreatorRank: [---------] [#](/creator/twitter::1083159258173198337/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1083159258173198337/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  59% [cryptocurrencies](/list/cryptocurrencies)  14% [technology brands](/list/technology-brands)  12% [finance](/list/finance)  7% [countries](/list/countries)  2% [social networks](/list/social-networks)  2% [currencies](/list/currencies)  1% [agencies](/list/agencies)  1%

**Social topic influence**
[business](/topic/business) 11%, [$rely](/topic/$rely) 9%, [$wise](/topic/$wise) 9%, [wise](/topic/wise) 9%, [$gtlb](/topic/$gtlb) 7%, [$ttd](/topic/$ttd) 7%, [fine](/topic/fine) 5%, [$eeft](/topic/$eeft) 5%, [$adbe](/topic/$adbe) 5%, [$wizey](/topic/$wizey) 5%

**Top accounts mentioned or mentioned by**
[@nestbetter](/creator/undefined) [@jbierne](/creator/undefined) [@goodlordjord](/creator/undefined) [@comebackcap](/creator/undefined) [@slicetransverse](/creator/undefined) [@saynototrading](/creator/undefined) [@p14capital](/creator/undefined) [@andrewm61370616](/creator/undefined) [@p14capitals](/creator/undefined) [@fundasyinvestors](/creator/undefined) [@ghadjia](/creator/undefined) [@bucknsf](/creator/undefined) [@fishtowncap](/creator/undefined) [@ntjcroll](/creator/undefined) [@fivesigmacap](/creator/undefined) [@bubblebeta](/creator/undefined)

**Top assets mentioned**
[Remitly Global, Inc. (RELY)](/topic/$rely) [Wise (WISE)](/topic/$wise) [GitLab Inc. (GTLB)](/topic/$gtlb) [Trade Desk, Inc. (TTD)](/topic/$ttd) [Euronet Worldwide Inc (EEFT)](/topic/$eeft) [Adobe, Inc. (ADBE)](/topic/$adbe) [DoubleVerify Holdings, Inc. (DV)](/topic/$dv) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Duolingo, Inc.  (DUOL)](/topic/$duol) [Western Union Co (WU)](/topic/$wu) [4 (FOUR)](/topic/$four) [MNTN, Inc. (MNTN)](/topic/$mntn) [Netflix Inc (NFLX)](/topic/$nflx) [Alphabet Inc Class A (GOOGL)](/topic/$goog) [Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)](/topic/$pgy) [Evotec SE (EVO)](/topic/$evo) [Integral Ad Science Holding Corp. (IAS)](/topic/$ias) [First Advantage Corporation (FA)](/topic/$fa) [Effect.AI (EFX)](/topic/$efx) [Mid-America Apartment Communities Inc (MAA)](/topic/$maa) [Camden Property Trust (CPT)](/topic/$cpt) [Verisk Analytics, Inc. (VRSK)](/topic/$vrsk) [Twilio, Inc. (TWLO)](/topic/$twlo) [DigitalOcean Holdings, Inc. (DOCN)](/topic/$docn) [Verisign, Inc. (VRSN)](/topic/$vrsn) [Cloudflare, Inc. (NET)](/topic/$net) [Atlassian Corporation PLC (TEAM)](/topic/$team) [monday.com Ltd. (MNDY)](/topic/$mndy) [Canadian Pacific Railway (CP)](/topic/$cp) [Berkshire Hathaway Inc Class B (BRK.B)](/topic/$brkb) [UNIPOLY (UNP)](/topic/$unp) [CSX Corporation (CSX)](/topic/$csx) [Norfolk Southern Corp. (NSC)](/topic/$nsc) [Flywire Corporation (FLYW)](/topic/$flyw) [Kaspi.kz Joint Stock Company (KSPI)](/topic/$kspi) [Viant Technology Inc. (DSP)](/topic/$dsp) [RAMP (RAMP)](/topic/$ramp) [Zoom Video Communications Inc (ZM)](/topic/$zm) [FIVE9, INC. (FIVN)](/topic/$fivn) [Salesforce Inc (CRM)](/topic/$crm) [Metadium (META)](/topic/$meta) [Roper Technologies Inc (ROP)](/topic/$rop)
### Top Social Posts
Top posts by engagements in the last [--] hours

"On first look $FA sounds like a good business. It's a duopolistic data services business which has network effects and pricing power. But as soon as you peel a couple layers you realize it's highly cyclical tied to macro & the economics get extracted by $EFX The Work Number"  
[X Link](https://x.com/retaox/status/1999945820578496830)  2025-12-13T20:53Z [----] followers, [----] engagements


"$MAA and $CPT are the ideal candidates for buy the dip and expect 10% to 12% IRRs over any multi year period"  
[X Link](https://x.com/retaox/status/1986102257297858737)  2025-11-05T16:04Z [----] followers, [----] engagements


"Within $CSU.TO: Volaris Harris Vela Topicus will be fine since they serve Gov Healthcare Industrial Enterprise. Jonas & Perseus are dead horses. They serve main street SMBs think Solopreneurs Hospitality Fitness and Real Estate Agents"  
[X Link](https://x.com/retaox/status/2019949748556542321)  2026-02-07T01:42Z [----] followers, [----] engagements


"Most Devtools Security tech will be fine too. $GTLB will ride this wave as there's just too much code that will flow through their pipelines. Probably the same situation for $TWLO. $VRSN $NET $DOCN et all will see a huge uptick in volume the next [--] months"  
[X Link](https://x.com/retaox/status/2019951023381491815)  2026-02-07T01:47Z [----] followers, [----] engagements


"Software that is a fancy UI layer on top of a database is basically dead. They lost their pricing power. Worse skinny startups are going to undercut their offering on price. $MNDY $TEAM et all will only survive if they out-execute everyone else"  
[X Link](https://x.com/retaox/status/2019953212728705392)  2026-02-07T01:55Z [----] followers, [---] engagements


"What good is having duopolistic infrastructure with captive customers if industry revenues have been growing only marginally above inflation $CP $CNR.TO $BRK.B $UNP $NSC $CSX"  
[X Link](https://x.com/retaox/status/1915578927168598263)  2025-04-25T01:29Z [----] followers, 11.5K engagements


"I'm finding it hard to find deals in this bull market. Are you any finding any companies that will grow EPS 15% CAGR over the next [--] years trading for less than [--] P/E"  
[X Link](https://x.com/retaox/status/1939337039272648773)  2025-06-29T14:55Z [----] followers, 40.8K engagements


"CTV constitutes 11% of $DV's total measurement impressions growing 45% YoY"  
[X Link](https://x.com/retaox/status/1977746299899294003)  2025-10-13T14:40Z [----] followers, 13K engagements


"$EEFT seeing lots of pressure in remittance business especially outbound US. Down 4% for the day. While $RELY is up on the day. I understand digital transformation bleeding edge tech network effects yada yada. But something is not adding up"  
[X Link](https://x.com/retaox/status/1981367911991460106)  2025-10-23T14:31Z [----] followers, [----] engagements


"@NestBetter First time hearing a about $TZOO. The business model makes a lot of sense. You think that this will be a quick rerate once subscription noise clears out Welcome to $RELY club Hope it doesn't succumb to FinTwit curse"  
[X Link](https://x.com/retaox/status/1997386559251726545)  2025-12-06T19:24Z [----] followers, [---] engagements


"$WISE $FOUR = $FLYW"  
[X Link](https://x.com/retaox/status/1998604053421654445)  2025-12-10T04:01Z [----] followers, [----] engagements


"Prediction: $KSPI is a double in the next [--] years. Dividend and buyback will be reinstated as the cash needs for the Turkey business die down. Trading at [--] P/E today will grow EPS at 15% CAGR in USD. Fx might be a drag but there's optionality from Retail Media ad revenue"  
[X Link](https://x.com/retaox/status/2002544755981627787)  2025-12-21T01:00Z [----] followers, [----] engagements


"Prediction: At least [--] of the following ad tech players get acquired in [----] at a 50% premium. $DSP $MNTN $DV $RAMP $CRTO"  
[X Link](https://x.com/retaox/status/2003523774550016241)  2025-12-23T17:51Z [----] followers, [----] engagements


"Given tvScientific got bought by Pinterest only and $MNTN are the remaining players that are serving the SMB CTV DSP white space. $TTD clearly doesn't want to focus on it for the next few years. $MNTN has a 20% CAGR runway until it gets bought. http://Vibe.co http://Vibe.co"  
[X Link](https://x.com/retaox/status/2004642203520696595)  2025-12-26T19:55Z [----] followers, [----] engagements


"Matt clearly laying out [--] levels of integration depth for $RELY / $WISE as scale increases. 1) aggregator that gives access to multiple countries. 2) single bank that gives access to local rails inside a country 3) multiple banks directly being final destinations"  
[X Link](https://x.com/retaox/status/2010493020693557304)  2026-01-11T23:24Z [----] followers, [---] engagements


"When a fraudster uses a stolen identity and uses Remitly to send money out $RELY is usually liable"  
[X Link](https://x.com/retaox/status/2010499146000498776)  2026-01-11T23:48Z [----] followers, [---] engagements


"Software that serves high traffic and will be largely okay too. $ZM is not going anywhere. Same for Slack. Even $AMZN gave up trying to replicate them internally and caved"  
[X Link](https://x.com/retaox/status/2019951577050620167)  2026-02-07T01:49Z [----] followers, [---] engagements


"$ADBE $FIVN $TTD $CRM $DOUL are all in too hard like for me. Lots of puts and takes. All have moats and/or have executed really well. But too hard to call it given how fast the landscape is changing"  
[X Link](https://x.com/retaox/status/2019953857363603687)  2026-02-07T01:58Z [----] followers, [----] engagements


"Big cloud $META $NFLX obviously will be fine. They have scale and are nimble. Hard to beat the combo. They can pull and push multiple levers and will coast through choppy waters just fine"  
[X Link](https://x.com/retaox/status/2019954566490652946)  2026-02-07T02:01Z [----] followers, [---] engagements


"Down another 24% in the [--] days since. Thanks for the accountability. The real test is would I be disciplined enough not give in and buy when it falls another 25%. I'm holding you all accountable. Please do not let me convince myself to buy $DUOL because it's getting cheaper in relation to its growth. Stop me I'm holding you all accountable. Please do not let me convince myself to buy $DUOL because it's getting cheaper in relation to its growth. Stop me"  
[X Link](https://x.com/retaox/status/2017622862807413140)  2026-01-31T15:35Z [----] followers, [----] engagements


"I'm too old for this shit. Get_off_my_lawn.gif"  
[X Link](https://x.com/anyuser/status/2019528641076502694)  2026-02-05T21:48Z [----] followers, [----] engagements


"Not a hot take but a take (first hand) nevertheless: SaaScalypse will wipe out everything except the ones that have some degree of Regulatory capture Hardware integration Network effects Inherent scale benefits High blast radius on failure Run away from rest"  
[X Link](https://x.com/anyuser/status/2019947545645240461)  2026-02-07T01:33Z [----] followers, [----] engagements


"$ROP is largely immune as well. Their only exposure lies in smaller subsidiaries like Foundant (Philanthropy management) or Procare (Childcare management) where the "blast radius" of a customer leaving is low and the software doesn't manage heavy regulatory or physical assets"  
[X Link](https://x.com/retaox/status/2021609743253442687)  2026-02-11T15:38Z [----] followers, [---] engagements


"The remaining [--] businesses have some level of lock in and large market share. All of them are typically $250m revenue businesses. So large enough in their niches"  
[X Link](https://x.com/retaox/status/2021611613598388686)  2026-02-11T15:45Z [----] followers, [---] engagements


"I think it's fair to say that $TTD has only one differentiating factor when compared to $GOOG and $AMZN which is Independence. Scale is about the same. Direct connections are about the same as well"  
[X Link](https://x.com/retaox/status/2007257045146476958)  2026-01-03T01:05Z [----] followers, [---] engagements


"But when compared to other DSPs $TTD stands out with scale ($15B) and direct connections (50% volume) that it can forge with publishers. The scale gives a lot of sway in the supply chain that other independent DSPs don't have"  
[X Link](https://x.com/retaox/status/2007257597087559743)  2026-01-03T01:07Z [----] followers, [---] engagements


"TTD is still brand-leaning because its primary business is the high-value CTV inventory that performance-only DSPs (like Criteo) don't dominate. Whereas Google Search and Meta is primarily direct-response performance based"  
[X Link](https://x.com/retaox/status/2007524155915436355)  2026-01-03T18:47Z [----] followers, [---] engagements


"DSPs that are built only for CTV like Pontiac DSP are cheaper to build and maintain because CTV inherently doesn't deal with high TPS (only thousands compared to million queries per second). Given Video and CTV are 50% of $TTD it might be hard to justify 20% take rate"  
[X Link](https://x.com/retaox/status/2007632602346508625)  2026-01-04T01:58Z [----] followers, [---] engagements


"$WISE will not grow margins more than 16% as a strategy. The excess margins coming from operating leverage will be invested for future growth. Through pricing marketing new products and direct integrations"  
[X Link](https://x.com/retaox/status/2007999104891404687)  2026-01-05T02:14Z [----] followers, [----] engagements


"Lots of puts and takes. But $PGY will be a net beneficiary of the credit card 10% interest rate fiasco. Right"  
[X Link](https://x.com/retaox/status/2010764953716760698)  2026-01-12T17:24Z [----] followers, [----] engagements


"@GoodLordJord SBC sucks. Based on what the robot says about GitHub's valuation when $MSFT bought it a 1% position with the hopes of $GOOG $AMZN or $ORCL buying it makes a lot of sense to me at this price"  
[X Link](https://x.com/retaox/status/2012595078150115537)  2026-01-17T18:37Z [----] followers, [--] engagements


"AI generated code is awesome and it increases productivity of developers. But it has certainly made maintenance of production ready code a night mare. Devs need AI to assist in finding bugs. Lots of upsell opportunities. Gitlab perfectly plays into multi-cloud story too"  
[X Link](https://x.com/retaox/status/2012610646399946911)  2026-01-17T19:39Z [----] followers, [----] engagements


"70% of $GTLB customers are self-managed"  
[X Link](https://x.com/retaox/status/2012741749211385915)  2026-01-18T04:20Z [----] followers, [----] engagements


"50% of $DUOL users are learning English"  
[X Link](https://x.com/retaox/status/2013405946827923559)  2026-01-20T00:19Z [----] followers, [---] engagements


"7% of subscribers are subscribed to Max which offers the GenAI based on speaking lessons"  
[X Link](https://x.com/retaox/status/2013406826428010564)  2026-01-20T00:22Z [----] followers, [---] engagements


"There [--] elements that Linus says here that still keeps the $ADBE gravy train going even in the GenAI world: https://youtu.be/L9VysWRHPdIsi=bihHkqVPRUpaSLMh https://youtu.be/L9VysWRHPdIsi=bihHkqVPRUpaSLMh"  
[X Link](https://x.com/retaox/status/2013915575907467585)  2026-01-21T10:04Z [----] followers, [----] engagements


"1. From start to finish the creative lifecycle touches about [--] to [--] apps. Adobe has them all in its Creative Cloud suite for a bundled prjce and they talk well with each other"  
[X Link](https://x.com/retaox/status/2013915577010590065)  2026-01-21T10:04Z [----] followers, [---] engagements


"2. Creative business is a collaborative business. External vendors get hired often and you don't want to be sending a file format that's NOT native $ADBE since the export and import into different file formats will result in certain elements breaking like Excel and Sheets"  
[X Link](https://x.com/retaox/status/2013915578696647051)  2026-01-21T10:04Z [----] followers, [---] engagements


"4) The loss in productivity in trying to save a few hundred / thousand bucks is not worth the lost productivity of the creatives"  
[X Link](https://x.com/retaox/status/2013915581695557816)  2026-01-21T10:04Z [----] followers, [---] engagements


"5) $ADBE's moat comes from how it enables a team of creatives to work with each other in an enterprise setting. It's moat is not its functional superiority. Point solutions are often at parity and sometimes better. A single person can switch away just fine. A team cannot"  
[X Link](https://x.com/retaox/status/2013915583268413668)  2026-01-21T10:04Z [----] followers, [---] engagements


"Similar video making the same points. Solo entrepreneurs switch out of $ADBE just fine. It's the team work dynamics that keeps you locked in. https://youtu.be/02oSEbKfCDcsi=mot-AijwmBVEklvO https://youtu.be/02oSEbKfCDcsi=mot-AijwmBVEklvO"  
[X Link](https://x.com/retaox/status/2013924180245287147)  2026-01-21T10:38Z [----] followers, [---] engagements


"Read the comments section. It's full of Adobe hate and frustration of getting locked in. $ADBE has maxed out on their pricing power lever. https://youtu.be/VmrmE4NyZX8si=ItlFBKCu6R9oYiwO https://youtu.be/VmrmE4NyZX8si=ItlFBKCu6R9oYiwO"  
[X Link](https://x.com/retaox/status/2013929272583344535)  2026-01-21T10:58Z [----] followers, [---] engagements


"@ComebackCap Blows my mind that they gave [---] million MAUs. Good for them. Hard business though not for me"  
[X Link](https://x.com/retaox/status/2014465304441524306)  2026-01-22T22:28Z [----] followers, [--] engagements


"Megawheel gameplay by pragmatic https://youtu.be/WPUF1L-dP3Asi=Ge7z479ABZQMANrh https://youtu.be/WPUF1L-dP3Asi=Ge7z479ABZQMANrh"  
[X Link](https://x.com/anyuser/status/1924672216836235322)  2025-05-20T03:43Z [----] followers, [----] engagements


"Ngl $EVVTY looks interesting here. This feels like the password-sharing / ad-tier introduction moment for $NFLX. Once they semi-solve ring fencing growth will most likely kick back in from the new base"  
[X Link](https://x.com/anyuser/status/2014720941012508704)  2026-01-23T15:24Z [----] followers, [----] engagements


"The Hasbro partnership continues. $EVO launched Game Night live. https://youtu.be/iD9MGWVU-k8si=eqao2vQO6ynMjMTD https://youtu.be/iD9MGWVU-k8si=eqao2vQO6ynMjMTD"  
[X Link](https://x.com/anyuser/status/2015629099763388584)  2026-01-26T03:33Z [----] followers, [----] engagements


"Meant to say "semi-solve pirating". Ring fencing is already largely solved. They just have to grow from that base"  
[X Link](https://x.com/retaox/status/2015969141992112386)  2026-01-27T02:04Z [----] followers, [---] engagements


"Investment portfolio - Cencora. - Boots Hearingcare. - BrightSpring Health Services. - VillageMD. - Investments in China: GuoDa & Nanjing https://www.walgreensbootsalliance.com/our-business/investment-portfolio https://www.walgreensbootsalliance.com/our-business/investment-portfolio"  
[X Link](https://x.com/retaox/status/1832008404933448032)  2024-09-06T10:50Z [----] followers, [---] engagements


"Honestly $ASTH is $PGY but for Health Insurers"  
[X Link](https://x.com/retaox/status/1994389757779116357)  2025-11-28T12:55Z [----] followers, [----] engagements


"Buffett is the OG marketer"  
[X Link](https://x.com/retaox/status/1525872484062482432)  2022-05-15T16:15Z [----] followers, [---] engagements


"@SliceTransverse "I think most situations that involve the prefs "re-rating" you get the common also "re-rating" with much higher upside". I learnt this lesson with $VNO and $VNOPRL a couple of years ago"  
[X Link](https://x.com/retaox/status/2001055096101064921)  2025-12-16T22:21Z [----] followers, [--] engagements


"What are some of the most underrated [--] sided B2B networks Think * Too-Many-Banks need to talk to Too-Many-Merchants = $V $MA * Too-Many-Creditors need to talk to Too-Many-Companies = $MCO $SPGI * Too-Many-Pharmacies need to talk to Too-Many-Insurers = Optum / Caremark"  
[X Link](https://x.com/retaox/status/1772249924052148564)  2024-03-25T13:11Z [----] followers, 14.1K engagements


"Pick & Shovel sellers to shitty Airline industry"  
[X Link](https://x.com/retaox/status/1780618392447115499)  2024-04-17T15:24Z [----] followers, [----] engagements


"$AMADY https://www.travelwires.com/british-airways-teams-up-with-amadeus-to-revolutionize-airline-retailing https://www.travelwires.com/british-airways-teams-up-with-amadeus-to-revolutionize-airline-retailing"  
[X Link](https://x.com/retaox/status/1780618398931562596)  2024-04-17T15:24Z [----] followers, [---] engagements


"$GOGO https://www.inflight-online.com/fcc-regulatory-approval-granted-for-gogo-galileo-terminals/ https://www.inflight-online.com/fcc-regulatory-approval-granted-for-gogo-galileo-terminals/"  
[X Link](https://x.com/retaox/status/1780618412323897415)  2024-04-17T15:24Z [----] followers, [----] engagements


"$AMADY https://www.breakingtravelnews.com/news/article/amadeus-signs-landmark-china-eastern-airlines-deal/ https://www.breakingtravelnews.com/news/article/amadeus-signs-landmark-china-eastern-airlines-deal/"  
[X Link](https://x.com/retaox/status/1782972557550870757)  2024-04-24T03:19Z [----] followers, [----] engagements


"$AAL : We all know that NDC modern retailing internet-based channels for selling your product is the future of airline distribution. But we moved faster than we than we should have; we didn't execute well." $SABR & $AMADY's moats were attacked and they found out"  
[X Link](https://x.com/retaox/status/1795996166582141107)  2024-05-30T01:50Z [----] followers, [----] engagements


"Wentworth has been acquired twice successfully when he was CEO. $CI x $WBA might be something that can happen once the assets are rightsized. https://open.spotify.com/episode/1RnRrux1HOS9qeNpSqmNfrsi=NUQUnr2RQx6SVHVnKGeX2A https://open.spotify.com/episode/1RnRrux1HOS9qeNpSqmNfrsi=NUQUnr2RQx6SVHVnKGeX2A"  
[X Link](https://x.com/retaox/status/1830442767576633362)  2024-09-02T03:08Z [----] followers, [----] engagements


"$ATMU's pricing power"  
[X Link](https://x.com/retaox/status/1933366092509892839)  2025-06-13T03:29Z [----] followers, [----] engagements


"Digital Remittance revenue and growth trajectory for $WU $MGI $WIZEY $WISE $RELY $EEFT"  
[X Link](https://x.com/retaox/status/1934949271989531112)  2025-06-17T12:20Z [----] followers, [----] engagements


"@SayNoToTrading On a side note for a long tail life insurance company I'm so impressed that $RGA has executed this well for decades without screwing it up in a major way"  
[X Link](https://x.com/retaox/status/1946636473630937376)  2025-07-19T18:21Z [----] followers, [---] engagements


"93% of $RELY's transactions go through within an hour. 86% of $WIZEY $WISE's transaction go through with an hour. AFAIK these are the only players that even disclose this metric. Others are far far behind. $EEFT $WU"  
[X Link](https://x.com/retaox/status/1966120463819747810)  2025-09-11T12:43Z [----] followers, [----] engagements


"Always a good sign when management uses the term "Owners" and not "Shareholders". $WISE $WIZEY"  
[X Link](https://x.com/retaox/status/1971241411019407849)  2025-09-25T15:52Z [----] followers, 10.4K engagements


"$WIZEY $WISE defines their TAM to be $3T while $RELY has it at $2T. It's also interesting that Wise aims to fix "International Banking" and not "Consumer Cross Border Remittance""  
[X Link](https://x.com/retaox/status/1971242860415680768)  2025-09-25T15:58Z [----] followers, [----] engagements


"@P14Capital @AndrewM61370616 Good call on $IAS vs $DV. Looks like the narrative is reverted now. $DV at 52w lows"  
[X Link](https://x.com/retaox/status/1971246151463731677)  2025-09-25T16:11Z [----] followers, [---] engagements


"$IAS is up more than 50% from @P14Capital's pitch date. Criminally underfollowed fintwit account $IAS - P14's first adtech adventure is +26% since the pitch date. Direct comp $DV recently upped their FY rev guide on their analyst day to 13% from 10% (vs IAS unchanged 12%.) Both cos sandbagged guides for FY25. Expecting $IAS to deliver a beat-and-raise for 2Q25 $IAS - P14's first adtech adventure is +26% since the pitch date. Direct comp $DV recently upped their FY rev guide on their analyst day to 13% from 10% (vs IAS unchanged 12%.) Both cos sandbagged guides for FY25. Expecting $IAS to"  
[X Link](https://x.com/retaox/status/1971250348800282855)  2025-09-25T16:28Z [----] followers, [----] engagements


"$SHOP is trading at 44x EV/GP while $FOUR is trading at 5.5x. After reading @FundasyInvestor's pitch today I'm increasingly convinced that $FOUR is a $SHOP quality business trading closer to $GPN multiples for no valid reasons. https://open.substack.com/pub/fundasyinvestor/p/shift4-payments-the-end-to-end-cardutm_source=share&utm_medium=android&r=8vxt7 https://open.substack.com/pub/fundasyinvestor/p/shift4-payments-the-end-to-end-cardutm_source=share&utm_medium=android&r=8vxt7"  
[X Link](https://x.com/retaox/status/1985533023664603246)  2025-11-04T02:22Z [----] followers, [----] engagements


"Quarterly Active Customers grew 21%. I think this is line with previous Qs. Need to check. Revenue grew 25% ✅"  
[X Link](https://x.com/retaox/status/1986196746012365081)  2025-11-05T22:19Z [----] followers, [---] engagements


"NVM. Quarterly Active Users growth is decelerating. I'm afraid C2C TAM is closing them on fast or they are seeing difficult immigration related issues that $EEFT is seeing"  
[X Link](https://x.com/retaox/status/1986197624538734610)  2025-11-05T22:23Z [----] followers, [---] engagements


"No surprises in guidance"  
[X Link](https://x.com/retaox/status/1986198326140707212)  2025-11-05T22:25Z [----] followers, [---] engagements


"Not surprised that the stock is down. Deceleration is not surprising given previous guidance and $EEFT results. But market already knew this. IMO undervalued today than yesterday for the growth on an absolute basis"  
[X Link](https://x.com/retaox/status/1986199070545793178)  2025-11-05T22:28Z [----] followers, [----] engagements


"One other medium term risk is $NU opening shop in US which will steal a good chunk of the US to Latam cross border remittance business. IIRC $NU is powered by $WISE"  
[X Link](https://x.com/retaox/status/1988839066532528440)  2025-11-13T05:19Z [----] followers, [----] engagements


"$WU has [----] people working on compliance. That's 30% of their work force. For context $RELY only has [----] employees in total"  
[X Link](https://x.com/retaox/status/1991283737716253100)  2025-11-19T23:13Z [----] followers, [----] engagements


"$RELY disclosed a new KPI today. 63% of its cross border remittance gets settled within [--] seconds. This number is 74% for $WISE. In general sub second is feasible only when you have a direct integration license on the receive side with no bank intermediary"  
[X Link](https://x.com/retaox/status/1998562182305558979)  2025-12-10T01:15Z [----] followers, [----] engagements


"New Products are expected to generate $120m to $300m in revenue by 2028"  
[X Link](https://x.com/retaox/status/1998565263982129352)  2025-12-10T01:27Z [----] followers, [----] engagements


"Open Web DSPs are naturally oligopolistic since they need to build integration with all the data providers"  
[X Link](https://x.com/retaox/status/1999316881770184724)  2025-12-12T03:14Z [----] followers, [---] engagements


"CTV is their largest channel"  
[X Link](https://x.com/retaox/status/1999328658474041485)  2025-12-12T04:01Z [----] followers, [---] engagements


"Incredible free research report on $TTD by @GHadjia Curious to hear your thoughts on $CRTO as well. $TTD blew up on a slight rev and massive (unexplained) EBITDA miss. @GHadjia published a year ago to the day a deep dive on TTD. A sound business with good prospects and great product but priced for perfection. Became even more PfP in LTM but has now round tripped 12M perf. $TTD blew up on a slight rev and massive (unexplained) EBITDA miss. @GHadjia published a year ago to the day a deep dive on TTD. A sound business with good prospects and great product but priced for perfection. Became even"  
[X Link](https://x.com/retaox/status/2005629942567231508)  2025-12-29T13:20Z [----] followers, [----] engagements


"50% of the send volume is from transactions that send over $1000. $RELY"  
[X Link](https://x.com/retaox/status/2008408382374318510)  2026-01-06T05:20Z [----] followers, [---] engagements


"But before getting into the disbursement network the business of remittance at scale needs the following figured out 1) localization 2) kyc 3) identification 4) payment acceptance 5) Treasury cash management 6) fraud 7) compliance 8) instant vs manual verification 9) pricing"  
[X Link](https://x.com/retaox/status/2010495528413380827)  2026-01-11T23:34Z [----] followers, [---] engagements


"$WISE $WIZEY"  
[X Link](https://x.com/retaox/status/2011464091244855693)  2026-01-14T15:43Z [----] followers, [---] engagements


"Ngl $GTLB looks very interesting here. How is this not a strategic acquisition target"  
[X Link](https://x.com/retaox/status/2012571908793880963)  2026-01-17T17:05Z [----] followers, [----] engagements


"@NestBetter What do you like in SaaSacre bucket"  
[X Link](https://x.com/retaox/status/2013824115774226861)  2026-01-21T04:00Z [----] followers, [---] engagements


"@NestBetter I've been digging $GTLB lately. Hoping it is a baby thrown with the bath water here"  
[X Link](https://x.com/retaox/status/2013825038764380509)  2026-01-21T04:04Z [----] followers, [----] engagements


"@NestBetter Gen AI is pumping out code that are getting ridiculously difficult for humans to review and maintain. The need for $GTLB's compliant AI tools is increasing not decreasing. Most of their customers are self hosted and security conscious hence sticky af. 30% growth at 5x GP"  
[X Link](https://x.com/retaox/status/2013826090091909483)  2026-01-21T04:08Z [----] followers, [---] engagements


"@BucknSF Don't forget $GTLB"  
[X Link](https://x.com/retaox/status/2013829624682152434)  2026-01-21T04:22Z [----] followers, [----] engagements


"Rough math: $1m or above bucket is probably $150m ARR. $100k or above bucket is probably a $300m ARR. So roughly 60% of revenues come from enterprises that spend $100k or more and highly locked in"  
[X Link](https://x.com/retaox/status/2013841590427517277)  2026-01-21T05:10Z [----] followers, [---] engagements


"The $GTLB thesis is uncannily similar to $ADBE's which honestly gives me a lot of pause. Differences abound too. https://x.com/i/status/1996793804909957388 7/ many underestimate workflow or pipeline raw generation edit (Photoshop) vector (Illustrator) video (Premiere) comtracts (Acrobat) my bet is AI doesnt replace pipeline but floods Adobe ecosystem w/ more volume data supports this: Firefly Services +32% QoQ https://x.com/i/status/1996793804909957388 7/ many underestimate workflow or pipeline raw generation edit (Photoshop) vector (Illustrator) video (Premiere) comtracts (Acrobat) my bet is"  
[X Link](https://x.com/retaox/status/2013843033289023516)  2026-01-21T05:16Z [----] followers, [---] engagements


"@JBierne I keep telling myself that when the next recession hits $COF is the first bank I'll be loading up"  
[X Link](https://x.com/retaox/status/2014714627834151357)  2026-01-23T14:59Z [----] followers, [---] engagements


"@JBierne And I'm the dumb idiot that sold $DFS as soon as the announcement hit. 😏"  
[X Link](https://x.com/retaox/status/2014722856152645950)  2026-01-23T15:32Z [----] followers, [--] engagements


"About 3/4th of Evolution's revenue comes from mobile devices. $EVVTY $EVO"  
[X Link](https://x.com/anyuser/status/1924650001625493543)  2025-05-20T02:14Z [----] followers, [----] engagements


"I'm holding you all accountable. Please do not let me convince myself to buy $DUOL because it's getting cheaper in relation to its growth. Stop me"  
[X Link](https://x.com/retaox/status/2006439626274381979)  2025-12-31T18:57Z [----] followers, [----] engagements


"Random walk through $CSU.TO portfolio of VMS"  
[X Link](https://x.com/anyuser/status/2014624077206475127)  2026-01-23T08:59Z [----] followers, [----] engagements


"Top Producer"  
[X Link](https://x.com/retaox/status/2014629243573981530)  2026-01-23T09:20Z [----] followers, [---] engagements

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