LunarCrush LLM | creator/twitter::1916960587323715584/posts

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[@zoozai_invest](/creator/twitter/zoozai_invest)
"Scary and interesting. I follow some BNPL and loan providers ( $UPST $AFRM $OMF $KLARA etc.) and you can clearly see the big increase in delinquencies. But there was one outlier I struggle to understand: $AFRM s results. They actually showed the opposite- lower delinquencies and record numbers. Looking closer it seems their king product now is X% APR loans. The open question: is this part of the bigger picture a sign that consumers are shifting toward loan structures that mask repayment stress or is $AFRM somehow just doing a better job lending to the right people"  
[X Link](https://x.com/zoozai_invest/status/1961917954322305037) [@zoozai_invest](/creator/x/zoozai_invest) 2025-08-30T22:24Z XXX followers, XXX engagements


"Crazy: looked up funds holding Tricolor Auto Securitization notes most showed yields around X% (). Think about that: they were taking subprime auto risk for near Fed-rate returns while Tricolors borrowers were likely paying high double-digit APRs. Sure defaults are brutal but the gap is still wild. The only real winners The originators & servicers skimming fees the only sure cash flow in this whole chain. In the picture some of the trusts holding $tricolor's junk:"  
[X Link](https://x.com/zoozai_invest/status/1976380445521575961) [@zoozai_invest](/creator/x/zoozai_invest) 2025-10-09T20:13Z XXX followers, XXX engagements


"As September 13Fs roll in I checked on $KLAR holders. After my disappointment with their selective number use in the prospectus (see earlier posts / blog summary I was curious whether institutions bought in. So far only X funds reported holdings X with tiny positions and the only one with a meaningful stake ($1M) also bought puts for hedging 😅 Cant wait for the next statements to see how this plays out"  
[X Link](https://x.com/zoozai_invest/status/1978914768682377661) [@zoozai_invest](/creator/x/zoozai_invest) 2025-10-16T20:03Z XXX followers, XXX engagements


"@belikejustin It's also much more easily done when IPO is still within the 6-month lock-up when the float is tiny (1315%). For $ETOR theres less than a month until more shares unlock"  
[X Link](https://x.com/zoozai_invest/status/1980322645087502493) [@zoozai_invest](/creator/x/zoozai_invest) 2025-10-20T17:18Z XXX followers, XX 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.]

@zoozai_invest "Scary and interesting. I follow some BNPL and loan providers ( $UPST $AFRM $OMF $KLARA etc.) and you can clearly see the big increase in delinquencies. But there was one outlier I struggle to understand: $AFRM s results. They actually showed the opposite- lower delinquencies and record numbers. Looking closer it seems their king product now is X% APR loans. The open question: is this part of the bigger picture a sign that consumers are shifting toward loan structures that mask repayment stress or is $AFRM somehow just doing a better job lending to the right people"
X Link @zoozai_invest 2025-08-30T22:24Z XXX followers, XXX engagements

"Crazy: looked up funds holding Tricolor Auto Securitization notes most showed yields around X% (). Think about that: they were taking subprime auto risk for near Fed-rate returns while Tricolors borrowers were likely paying high double-digit APRs. Sure defaults are brutal but the gap is still wild. The only real winners The originators & servicers skimming fees the only sure cash flow in this whole chain. In the picture some of the trusts holding $tricolor's junk:"
X Link @zoozai_invest 2025-10-09T20:13Z XXX followers, XXX engagements

"As September 13Fs roll in I checked on $KLAR holders. After my disappointment with their selective number use in the prospectus (see earlier posts / blog summary I was curious whether institutions bought in. So far only X funds reported holdings X with tiny positions and the only one with a meaningful stake ($1M) also bought puts for hedging 😅 Cant wait for the next statements to see how this plays out"
X Link @zoozai_invest 2025-10-16T20:03Z XXX followers, XXX engagements

"@belikejustin It's also much more easily done when IPO is still within the 6-month lock-up when the float is tiny (1315%). For $ETOR theres less than a month until more shares unlock"
X Link @zoozai_invest 2025-10-20T17:18Z XXX followers, XX engagements