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[@KaySchnd](/creator/twitter/KaySchnd)
"Lets see when people will start realizing that $UPST is not necessarily dependent on rate cuts to perform well (but its a tailwind for sure)"  
[X Link](https://x.com/KaySchnd/status/1978343549067264119) [@KaySchnd](/creator/x/KaySchnd) 2025-10-15T06:13Z XX followers, 1365 engagements


"Regional banks are getting pressured because of $ZION and $WAL write offs (most likely from same fraudulent borrower). Thats why $UPST gets sold off as well even though they are actually helping to improve lending standards to avoid such instances. Happy to take your shares 🤓"  
[X Link](https://x.com/KaySchnd/status/1978907263541633120) [@KaySchnd](/creator/x/KaySchnd) 2025-10-16T19:33Z XX followers, 1230 engagements


"$OWL CEO confirmed that they dont see rising defaults or companies struggling. (earnings on 30/10). $UPST TP reviews are ramping up significantly and CEO confirmed early Sep that rising defaults are not an issue. I dont mind seeing 42-45 range and finally going up from here 😁"  
[X Link](https://x.com/KaySchnd/status/1979087337821700555) [@KaySchnd](/creator/x/KaySchnd) 2025-10-17T07:29Z XX followers, 1208 engagements


"@EyalH11 I was talking about $OWL earnings as an early indicator for $UPST results on Nov 4"  
[X Link](https://x.com/KaySchnd/status/1979094148146717125) [@KaySchnd](/creator/x/KaySchnd) 2025-10-17T07:56Z XX followers, XXX engagements


"Who is selling $UPST at 44.xx Come on man just give them away for free as I cant take them otherwise 😂"  
[X Link](https://x.com/KaySchnd/status/1979099718505386319) [@KaySchnd](/creator/x/KaySchnd) 2025-10-17T08:18Z XX followers, 1099 engagements