#  @CooperCapitaI CooperCapital
CooperCapital posts on X about $sezl, $pypl, $klar, strong the most. They currently have [---] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.
### Engagements: [---] [#](/creator/twitter::1964760488124002305/interactions)
- [--] Week [-----] -24%
- [--] Month [------] -64%
### Mentions: [--] [#](/creator/twitter::1964760488124002305/posts_active)
- [--] Week [--] no change
- [--] Month [--] -44%
### Followers: [---] [#](/creator/twitter::1964760488124002305/followers)
- [--] Week [---] -0.78%
- [--] Month [---] +7.60%
### CreatorRank: [---------] [#](/creator/twitter::1964760488124002305/influencer_rank)
### Social Influence
**Social category influence**
[stocks](/list/stocks) [finance](/list/finance) [technology brands](/list/technology-brands) [cryptocurrencies](/list/cryptocurrencies) [social networks](/list/social-networks) [countries](/list/countries) [fashion brands](/list/fashion-brands) [celebrities](/list/celebrities) [currencies](/list/currencies)
**Social topic influence**
[$sezl](/topic/$sezl) #4, [$pypl](/topic/$pypl), [$klar](/topic/$klar) #7, [strong](/topic/strong), [in the](/topic/in-the), [$afrm](/topic/$afrm) #15, [business](/topic/business), [kalshi](/topic/kalshi), [money](/topic/money), [klarna](/topic/klarna) #52
**Top accounts mentioned or mentioned by**
[@kalshi](/creator/undefined) [@wearycenturion](/creator/undefined) [@marcalcarbo](/creator/undefined) [@kyleadamsstocks](/creator/undefined) [@billackman](/creator/undefined) [@commonsenseplay](/creator/undefined) [@fischerjiriml](/creator/undefined) [@youtube](/creator/undefined) [@networthnotes](/creator/undefined) [@juanrodrig07](/creator/undefined) [@barnietaintpipe](/creator/undefined) [@grok](/creator/undefined) [@holysmokas](/creator/undefined) [@klarna](/creator/undefined) [@stockmktnewz](/creator/undefined) [@boringbiz](/creator/undefined) [@fluentinfinance](/creator/undefined) [@thelonginvest](/creator/undefined) [@mrderivatives](/creator/undefined) [@gregthenorth](/creator/undefined)
**Top assets mentioned**
[Sezzle Inc. Common Stock (SEZL)](/topic/$sezl) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Klarna Group plc (KLAR)](/topic/$klar) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Dave Inc. (DAVE)](/topic/$dave) [UnitedHealth Group (UNH)](/topic/$unh) [RAI Finance (SOFI)](/topic/$sofi) [Bitcoin (BTC)](/topic/bitcoin) [CAVA Group, Inc. (CAVA)](/topic/$cava) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Celsius Holdings, Inc. Common Stock (CELH)](/topic/$celh) [Uber Technologies, Inc. (UBER)](/topic/$uber) [PepsiCo, Inc. (PEP)](/topic/$pep) [Iris Energy Limited (IREN)](/topic/$iren) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Snap, Inc. (SNAP)](/topic/$snap)
### Top Social Posts
Top posts by engagements in the last [--] hours
"I feel the low valuation is more because of how competitive the industry is right now. It is very hard to see the players that are going to come out on top while SEZL might have the best BNPL model it also has heavy competition especially from KLAR which just made a sub model too"
[X Link](https://x.com/CooperCapitaI/status/1986465795812053487) 2025-11-06T16:08Z [--] followers, [---] engagements
"Seems like fintech stocks are all taking a beating maybe a signal subprime credit is at risk may be an overreaction I imagine we will know in a month"
[X Link](https://x.com/CooperCapitaI/status/1989844175844770126) 2025-11-15T23:53Z [--] followers, [--] engagements
"There are a lot of Problems with Celsius beyond their negative net income. This certainly is not the sole reason for their dropoff. via @YouTube https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG"
[X Link](https://x.com/CooperCapitaI/status/1990167269729513514) 2025-11-16T21:17Z [--] followers, [--] engagements
"There are a lot of Problems with Celsius beyond their negative net income. This certainly is not the sole reason for their dropoff via @YouTube https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG"
[X Link](https://x.com/CooperCapitaI/status/1990167367851430090) 2025-11-16T21:17Z [--] followers, [--] engagements
"I see a lot of people who believe that Celsius could be a value play because of their strong growth but there are fundamental problems which may make me have to disagree There are a lot of Problems with Celsius beyond their negative net income. This certainly is not the sole reason for their dropoff via @YouTube https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG"
[X Link](https://x.com/CooperCapitaI/status/1990167582339420429) 2025-11-16T21:18Z [--] followers, [---] engagements
"@Julian_Trades1 Cava is my favorite of the bunch: Has a very strong ability to scale no traditional debt and a long term model that has already been proven"
[X Link](https://x.com/CooperCapitaI/status/1990241173290860948) 2025-11-17T02:10Z [--] followers, [--] engagements
"$NVDA earnings bouta be crazy"
[X Link](https://x.com/CooperCapitaI/status/1991251138029523136) 2025-11-19T21:04Z [--] followers, [----] engagements
"$SEZL was up over 7% before everything came crashing down today could this be a signal that the market is understanding the opportunity and then overreacted as the market corrected or is it just general volatility for a small cap Something we will probably figure out quite soon"
[X Link](https://x.com/CooperCapitaI/status/1991697980080931076) 2025-11-21T02:39Z [--] followers, [---] engagements
"I did a write up on Cava a few weeks ago felt very strong about the company especially with a model that has already been proven to work. Didn't buy any we can learn from Noah: "predicting rain doesn't count building arks does." -Warren Buffett"
[X Link](https://x.com/CooperCapitaI/status/1991967690974699658) 2025-11-21T20:31Z [--] followers, [--] engagements
"I think it is smarter to own just a few stocks IF you are focusing on those companies and researching intensely. It is hard to develop an edge owning many companies. Owning just a few while risky I think can help an investor focus and outperform. Just be careful it is a dangerous game"
[X Link](https://x.com/CooperCapitaI/status/1992221219844694371) 2025-11-22T13:18Z [--] followers, [---] engagements
"Opportunity is abundant on the market right now but I find it excessive to buy every opportunity just focus on those that are the highest conviction to you. For me thats $SEZL and $UNH it can be any business that you think you know enough about and believe is trading low"
[X Link](https://x.com/CooperCapitaI/status/1992225742252577276) 2025-11-22T13:36Z [--] followers, [---] engagements
"@MMatters22596 Their BNPL initiative is something I fear as a shareholder in a different BNPL 20% cash back How is that even possible Although $SEZL has the consumer integrated into their environment this is definitely going to be a lasting playing in BNPL"
[X Link](https://x.com/CooperCapitaI/status/1992617330246029681) 2025-11-23T15:32Z [--] followers, [---] engagements
"How is this even possible this is certainly going to grow the BNPL industry because Im going to use this offer I just hope it doesnt take anything from $SEZL Im definitely nervous about this though"
[X Link](https://x.com/CooperCapitaI/status/1992617859466535406) 2025-11-23T15:34Z [--] followers, [---] engagements
"@TheRonnieVShow Unless you arent trying to actively invest But I agree less is more in investing only so many great opportunities"
[X Link](https://x.com/CooperCapitaI/status/1992971712871161873) 2025-11-24T15:00Z [--] followers, [---] engagements
"@Expandabull One of the most important things is they don't have any traditional debt They are a very strong company that is going to scale using cash in the long term Nothing more you can ask for looking to possibly enter in the future"
[X Link](https://x.com/CooperCapitaI/status/1993032012014481888) 2025-11-24T19:00Z [--] followers, [--] engagements
"@NetWorthNotes $CELH Does look good only thing holding me back is what seems like a reliance on acquisitions Celsius is still growing but a lot of the growth is now coming from Alani. Celsius growth is starting to slowdown and I dont know how I feel about Rockstar it was a laggard for Pepsi"
[X Link](https://x.com/CooperCapitaI/status/1993100542760063043) 2025-11-24T23:32Z [--] followers, [---] engagements
"@weary_centurion $PYPL is returning 6B to shareholders in the form of dividends and share repurchases Insane for a 56B company"
[X Link](https://x.com/CooperCapitaI/status/1993313743867150403) 2025-11-25T13:40Z [--] followers, [---] engagements
"@weary_centurion I havent bought any yet but as I look more into it the more it seems like a misvaluation am doing more research into the week though"
[X Link](https://x.com/CooperCapitaI/status/1993315141946159347) 2025-11-25T13:45Z [--] followers, [--] engagements
"Not a bad day to be a $SEZL shareholder. Eventually the value of the company will be fully recognized"
[X Link](https://x.com/CooperCapitaI/status/1993423976622629297) 2025-11-25T20:58Z [--] followers, [---] engagements
"@weary_centurion @JuanRodrig07 BNPL is a huge tailwind for all these fintechs. We should be less worried about which one is going to win and more excited they are going to disrupt all of in-person banking. Offerings of fintechs are just so much better"
[X Link](https://x.com/CooperCapitaI/status/1993425406284698012) 2025-11-25T21:03Z [--] followers, [--] engagements
"@NetWorthNotes Im excited for the long haul it just isnt hyped because it isnt AI centric"
[X Link](https://x.com/CooperCapitaI/status/1993513951213371404) 2025-11-26T02:55Z [--] followers, [--] engagements
"@NetWorthNotes $SEZL The only BNPL that has strong profitability using subs to monetize consumers. They focus on the subprime lenders. [----] PE TTM and [---] price to sales In my opinion the strongest business in BNPL now for shareholders"
[X Link](https://x.com/CooperCapitaI/status/1993678732981133543) 2025-11-26T13:50Z [--] followers, [---] engagements
"@xwallstx The longer Im on X the more I feel like I need to buy $PYPL"
[X Link](https://x.com/CooperCapitaI/status/1993689352241652133) 2025-11-26T14:32Z [--] followers, [---] engagements
"@TrendSpider $SEZL PE [--] Price to sales 4.5"
[X Link](https://x.com/CooperCapitaI/status/1993868615657939253) 2025-11-27T02:24Z [--] followers, [----] engagements
"@InvestingVisual QBTS at $6"
[X Link](https://x.com/CooperCapitaI/status/1994214561985994986) 2025-11-28T01:19Z [--] followers, [--] engagements
"$SEZL we are finally being recognized"
[X Link](https://x.com/CooperCapitaI/status/1994417801994342662) 2025-11-28T14:47Z [--] followers, [---] engagements
"@blondesnmoney Nike Alphafly if you are looking for a race shoe. I enjoyed HOKAs for just recovery or long run. But best shoe money can buy I would say Alphafly records have been set in this shoe"
[X Link](https://x.com/CooperCapitaI/status/1994779620479303830) 2025-11-29T14:44Z [--] followers, [----] engagements
"Transaction revenues make up 90% $PYPL revenues. The Transaction industry is a race to the bottom as it is pretty much a commodity. Im not saying $PYPL isnt a value play but its stock price begins to make sense when you look at these things Big money is waiting to see profitability from other ventures"
[X Link](https://x.com/CooperCapitaI/status/1995281503190753783) 2025-11-30T23:59Z [--] followers, [---] engagements
"@KyleAdamsStocks I find the price target high UNLESS the value of it being a subscription based company is recognized. Subscription based companies grow way faster. $SEZL is not a normal fintech While I hope for the price target Im in for the long haul and I am strapped in"
[X Link](https://x.com/CooperCapitaI/status/1995483915792896308) 2025-12-01T13:23Z [--] followers, [---] engagements
"Everywhere I look I see $IREN and $NBIS what is the bull case for these companies"
[X Link](https://x.com/CooperCapitaI/status/1995510581860958650) 2025-12-01T15:09Z [--] followers, [---] engagements
"@Simonkhalaf @tkawaja @mlevchin Businesses are going to pay big dollars to be featured in LLM suggestions. And how do you reliably link your business to an LLM Agentic"
[X Link](https://x.com/CooperCapitaI/status/1995594589110231055) 2025-12-01T20:43Z [--] followers, [--] engagements
"PayPal is going to become an ads agency Which is going to be the best thing that ever happened to it Ads agencies trade at higher PEs than fintechs meaning price will move up for investors if their plan works This is why"
[X Link](https://x.com/CooperCapitaI/status/1995676189650981290) 2025-12-02T02:07Z [--] followers, [---] engagements
"$PYPL will not grow unless agentic allows them to adopt ads. This is be a truly great growth initiative 7% growth of transaction revenues is not enough to take it out of the basement $PYPL Another good conversation with Dr. Mark Grether about PayPal Ads. Here are a few interesting things he mentioned: We are turning ads into shoppable ad units. We can do this because we have the payment option so in the ad itself you can pay using the PayPal button. Its $PYPL Another good conversation with Dr. Mark Grether about PayPal Ads. Here are a few interesting things he mentioned: We are turning ads"
[X Link](https://x.com/CooperCapitaI/status/1995821467250905196) 2025-12-02T11:44Z [--] followers, [---] engagements
"@sofiintel @StockMKTNewz I believe klarna said a 45% increase YoY yet it still trades rock bottom"
[X Link](https://x.com/CooperCapitaI/status/1995846801031922099) 2025-12-02T13:25Z [--] followers, [--] engagements
"@mccdmatthew True but these companies are growing intensely in new sectors. These the the exceptions not the standard. We both believe in the impact of ads which is my main thesis I just view their transaction volumes as slower growing and more native to a traditional payments company"
[X Link](https://x.com/CooperCapitaI/status/1995867615806587205) 2025-12-02T14:48Z [--] followers, [--] engagements
"@MarcalCarbo They use IQ tests to find employees. I don't know much about hiring practices but this may be a large factor in their efficiency"
[X Link](https://x.com/CooperCapitaI/status/1996046991550271985) 2025-12-03T02:41Z [--] followers, [--] engagements
"@BoringBiz_ crazy to see $AMZN have these crazy growth rates yet not even be close to where they are today. He really was right day one for the internet"
[X Link](https://x.com/CooperCapitaI/status/1996062556104888396) 2025-12-03T03:42Z [--] followers, [---] engagements
"@_mrlongterm One of the best buys on the market right now"
[X Link](https://x.com/CooperCapitaI/status/1996063115876987266) 2025-12-03T03:45Z [--] followers, [--] engagements
"@BenjaminDEKR They finally did it this is where chatGPT dies and Gemini takes over"
[X Link](https://x.com/CooperCapitaI/status/1996235146429644948) 2025-12-03T15:08Z [--] followers, [--] engagements
"@BarnieTaintpipe @MichaelDell @BillAckman @altcap Clowning this is so stupid. They are giving away millions of dollars back to the people of the US"
[X Link](https://x.com/CooperCapitaI/status/1996302153153987045) 2025-12-03T19:34Z [--] followers, [--] engagements
"I've been hating on ChatGPT recently because they're worse than Gemini but this feature is actually pretty cool I just said "I want indoor slippers" and it took me through some options and came out with a bunch of suggestions. I just scroll down pick the one I like at it takes me straight to the website. ads presented this way I think are good for the consumer and OpenAI"
[X Link](https://x.com/CooperCapitaI/status/1996306124996227578) 2025-12-03T19:50Z [--] followers, [--] engagements
"I haven't bought yet I find it likely I do in the future. Agentic will dominate shopping. Transaction revenues are out the window. It may take a few years but no other company is better positioned for agentic than $PYPL. The nature of the transactions industry is just hard to play right now"
[X Link](https://x.com/CooperCapitaI/status/1996307234188415088) 2025-12-03T19:55Z [--] followers, [---] engagements
"Transactions are not the future of PayPal. Agentic is. $PYPL is trading low right now because of the nature of transactions industries. If $PYPL is going to trade 20-25 in the future Agentic will have to drive value for the company. Ads for the future of $PYPL will drive profitable growth"
[X Link](https://x.com/CooperCapitaI/status/1996308679315124721) 2025-12-03T20:00Z [--] followers, [---] engagements
"Certainly agree that it is a "value trap" now transactions is just not a high growth industry but the company actually does have strong growth initiatives like Agentic which I think could change the game for the company in the future though. Long term I am bullish for $PYPL if Agentic proves valuable"
[X Link](https://x.com/CooperCapitaI/status/1996309243570405389) 2025-12-03T20:03Z [--] followers, [---] engagements
"@adamscochran @grok where was this information sourced from and is the "95% of sales volumes financed" accurate"
[X Link](https://x.com/CooperCapitaI/status/1996310696728920549) 2025-12-03T20:08Z [--] followers, [--] engagements
"It's a Black Friday BNPL miracle Good start for $SEZL lets hope for a strong finish https://t.co/ZX8yJfr8sQ Good start for $SEZL lets hope for a strong finish https://t.co/ZX8yJfr8sQ"
[X Link](https://x.com/CooperCapitaI/status/1996336257824358503) 2025-12-03T21:50Z [--] followers, [--] engagements
"@FluentInFinance Such a bad take BNPL debt is not the worst. 0% interest and a quarter paid up front. 95% was financed Not a chance"
[X Link](https://x.com/CooperCapitaI/status/1996373713374400818) 2025-12-04T00:19Z [--] followers, [---] engagements
"@tallmikeholley @FluentInFinance Yeah really I dont even understand the logic like how much value can you get from [--] year olds banking with you"
[X Link](https://x.com/CooperCapitaI/status/1996673139238183046) 2025-12-04T20:09Z [--] followers, [--] engagements
"Buy Now Pay Later (BNPL) had a very strong day Though I believe: -Black Friday has been priced in if guidance isn't smashed it could be bad for BNPL -consumer credit is risky right now Very glad to be a $SEZL shareholder as they are better positioned than any other company for delinquency (the main concerns right now in a struggling jobs market. I certainly won't be selling and will be buying if there is a strong correction after end of year earnings. I believe There is no better model to buy into in the finance sector right now. BNPL will disrupt the entire lending industry"
[X Link](https://x.com/CooperCapitaI/status/1996700801805296016) 2025-12-04T21:59Z [--] followers, [---] engagements
"@APompliano He knows GPT is screwed in the short term Gemini GPT"
[X Link](https://x.com/CooperCapitaI/status/1996956451089027532) 2025-12-05T14:54Z [--] followers, [--] engagements
"The nature of the transaction industry is extremely competitive selling a commodity like product. I think agentic will be the largest catalyst for the company transaction revenues alone arent valuable enough to get it out of the gutter. Also the growth initiatives compared to transactions are so small it is just going to take a long time for value to be recognized if it is there"
[X Link](https://x.com/CooperCapitaI/status/1996957689373401538) 2025-12-05T14:59Z [--] followers, [---] engagements
"@AdamPippert @Lifeinvestmoney They nerfed the gold card😂 Nah just kidding man in all seriousness that's sick you have the gold one. I'm just jealous"
[X Link](https://x.com/CooperCapitaI/status/1997136580809523453) 2025-12-06T02:50Z [--] followers, [---] engagements
"@weary_centurion It takes a strong investor to admit a change of view. A thesis change is necessary with $PYPL. agentic will allow for a transformation where transactions are less heavily relied on. it is best to wait this period out to see how their growth opportunities take to the market"
[X Link](https://x.com/CooperCapitaI/status/1997665236212494746) 2025-12-07T13:51Z [--] followers, [---] engagements
"@CarsonTalkMoney $CELH sentiment seems to be very negative. I myself don't like all the acquisitions the company has been doing recently but if you believe in the acquisitions that they are doing and that they can reaccelerate fundamentals the current price may be good"
[X Link](https://x.com/CooperCapitaI/status/1997786786136006881) 2025-12-07T21:54Z [--] followers, [---] engagements
"Alani deal was very strong. But I don't know how I feel about the Rockstar deal I don't understand how it is going to drive value in Celsius' growth portfolio. I also really don't see the synergy of Rockstar and the other two companies. But I certainly do see Celsius/Alani. Seems like it is just going to slow down overall growth of Celsius"
[X Link](https://x.com/CooperCapitaI/status/1997790274257403956) 2025-12-07T22:08Z [--] followers, [--] engagements
"@Kalshi Companies will be fine in the short term if they are still productive Yet if no one buys anything then it will be a different story in the long term"
[X Link](https://x.com/CooperCapitaI/status/1997820283701653828) 2025-12-08T00:07Z [--] followers, [---] engagements
"In the short term I imagine companies and thus the stock market will be fine as profits still increase. But long term who is going to buy JUST IN: US layoffs set to exceed [----] financial crisis JUST IN: US layoffs set to exceed [----] financial crisis"
[X Link](https://x.com/CooperCapitaI/status/1997826580660605068) 2025-12-08T00:32Z [--] followers, [--] engagements
"@Kalshi no way Time's chooses Trump I might have to take those odds"
[X Link](https://x.com/CooperCapitaI/status/1998140216645943691) 2025-12-08T21:18Z [--] followers, [--] engagements
"@weary_centurion Same boat $PYPL is a good play long term when it fueled by agentic"
[X Link](https://x.com/CooperCapitaI/status/1998423384519213355) 2025-12-09T16:03Z [--] followers, [---] engagements
"@Kalshi A collapsing birth rate is often synonymous with a future collapsing of economy. I would fear investing there right now"
[X Link](https://x.com/CooperCapitaI/status/1998479446169260506) 2025-12-09T19:46Z [--] followers, [---] engagements
"@benwfreeman1 @Domahhhh @grok where are prediction market bonds and how much risk do they carry"
[X Link](https://x.com/CooperCapitaI/status/1998558782016893013) 2025-12-10T01:01Z [--] followers, [----] engagements
"@Kross_Roads I think PayPal ads have an opportunity to lift $PYPL out of the grave this high margin revenue would be game changing for $PYPL. I am waiting to see how they are adopted though"
[X Link](https://x.com/CooperCapitaI/status/1998562012402745671) 2025-12-10T01:14Z [--] followers, [---] engagements
"This is a great card Before this $SOFI had less competitive cards but this has some very strong offerings. Amex has 6% cashback limited to 6k There is no cap on the $SOFI card making it a great option with 5% cashback $SOFI requires Sofi Plus which may increase Plus accounts Holy Baby Jesus They just released the $SoFi Smart Card https://t.co/7tPLvHOIiK Holy Baby Jesus They just released the $SoFi Smart Card https://t.co/7tPLvHOIiK"
[X Link](https://x.com/CooperCapitaI/status/1998746814971810019) 2025-12-10T13:29Z [--] followers, [---] engagements
"@Kalshi Its not even worth betting he wont make it it is so far out from now"
[X Link](https://x.com/CooperCapitaI/status/1998785806186524778) 2025-12-10T16:04Z [--] followers, [---] engagements
"10k is very helpful I use it at the beginning of all my research it often allows me to get a more comprehensive view of the company. If there is information on the 10k it is known by the market I want to make sure I am not putting myself at a disadvantage against the other players of the market"
[X Link](https://x.com/CooperCapitaI/status/1998846716619919550) 2025-12-10T20:06Z [--] followers, [--] engagements
"At this point the Bull Market feels almost artificial. But who can even tell the difference between these Right"
[X Link](https://x.com/CooperCapitaI/status/1998848692569379017) 2025-12-10T20:13Z [--] followers, [--] engagements
"@Polymarket Surely some will be bought"
[X Link](https://x.com/CooperCapitaI/status/1998898092066898163) 2025-12-10T23:30Z [--] followers, [---] engagements
"@OpulentVenture Congrats my friend @MarcalCarbo and I made a community for $SEZL a week ago would love to hear your thoughts in the community"
[X Link](https://x.com/CooperCapitaI/status/1999236207591542917) 2025-12-11T21:53Z [--] followers, [---] engagements
"$DAVE and the BNPL industry are being partly held down by the consumer debt crisis. If this market tanks over this later on I see it as a better opportunity to enter BNPL companies. Lending can be more responsible with BNPL than traditional credit. I know one thing BNPL continues to take market share from credit cards it is a matter of time until investor dollars finally realize BNPL as more than a meme. Its easy to say this off a 50% run by $SEZL so we will see if I hold myself to that. https://twitter.com/i/web/status/1999248127052906907 https://twitter.com/i/web/status/1999248127052906907"
[X Link](https://x.com/CooperCapitaI/status/1999248127052906907) 2025-12-11T22:41Z [--] followers, [---] engagements
"@BourbonCap BNPL company ideally $SEZL people underestimate the industry because of the memes but recent performance is very strong"
[X Link](https://x.com/CooperCapitaI/status/1999298607422538086) 2025-12-12T02:01Z [--] followers, [---] engagements
"$SEZL visual for profitability revenue and costs. Got this from Simply Wall St was actually a pretty interesting website. I want to emphasize the increase in advertising spend. $SEZL has had high returns (in large part) from their standardization of fees and addition of On-Demand. Both very important plays in the company's monetization. In my original report a few months ago I was worried about organic growth. To say the least I am a lot less worried now with the growing presence of BNPL across America. MODS growth has been strong since last December to end of Q3 25: [---] - [---] 11% I am"
[X Link](https://x.com/CooperCapitaI/status/1999314296337998287) 2025-12-12T03:04Z [--] followers, [---] engagements
"IMO if your goal is to outperform the market it is hard to do that if you own a bunch of stocks. I would suggest and index fund for anyone who isnt spending hours everyday learning about the markets and the companies in them even then holding just a few stocks only suites certain investors. It is very risky to own [--] stocks but it is easier to outperform the market holding [--] stocks than holding 20"
[X Link](https://x.com/CooperCapitaI/status/1999443700045304235) 2025-12-12T11:38Z [--] followers, [--] engagements
"@wallstengine $UBER is better positioned to adopt Robitaxis at a large scale than any other company. Yet Robos are seen an a disruptor"
[X Link](https://x.com/CooperCapitaI/status/1999461348158349769) 2025-12-12T12:48Z [--] followers, [---] engagements
"@GuyTalksFinance Definitely not Bitcoin has preformed better in the past [--] years than it will for the rest of its life. Not a Bitcoin bear but it is not an essential investment for everyone. Most people should buy a diverse share of equities true money generating assets"
[X Link](https://x.com/CooperCapitaI/status/1999470761019580555) 2025-12-12T13:25Z [--] followers, [--] engagements
"@WatcherGuru Arent they making bitcoin funds"
[X Link](https://x.com/CooperCapitaI/status/1999570784558133375) 2025-12-12T20:03Z [--] followers, [--] engagements
"@Kalshi Margin should be very strong too as revenue is coming from ads and subs. Also cutting 80% of staff"
[X Link](https://x.com/CooperCapitaI/status/1999573782617338367) 2025-12-12T20:15Z [--] followers, [---] engagements
"@Kalshi Insane for equities and the US debt possibly"
[X Link](https://x.com/CooperCapitaI/status/1999591091096453136) 2025-12-12T21:24Z [--] followers, [--] engagements
"If this actually comes to fruition this would be amazing for $SEZL in terms of their line of credit although with rates this low would consumers find BNPL's 0% interest offering less attractive I wonder if this would be a positive or negative for the industry. I lean to + JUST IN: Trump says he wants interest rates at "1% or lower" in [----] JUST IN: Trump says he wants interest rates at "1% or lower" in 2026"
[X Link](https://x.com/CooperCapitaI/status/1999591837770596639) 2025-12-12T21:26Z [--] followers, [---] engagements
"@Ashton_1nvests Small caps more pricing inefficiencies easier companies to understand"
[X Link](https://x.com/CooperCapitaI/status/1999670020713197929) 2025-12-13T02:37Z [--] followers, [--] engagements
"@QualityInvest5 It's crazy to think that everyone in the newest generation uses $SNAP yet they still can't make money"
[X Link](https://x.com/CooperCapitaI/status/1999916693242650842) 2025-12-13T18:57Z [---] followers, [---] engagements
"$PYPL is either trading at or below intrinsic value I just cant decide which it is"
[X Link](https://x.com/CooperCapitaI/status/2000075540372549914) 2025-12-14T05:29Z [--] followers, [---] engagements
"@TheLongInvest Car sector is much different from some of the sectors American dominates though we did just sell our $NVDA chips to them"
[X Link](https://x.com/CooperCapitaI/status/2000210155359666532) 2025-12-14T14:23Z [--] followers, [---] engagements
"@alc2022 The fear is because of the bull market while I dont think it is deserved. we are in a strong bull market"
[X Link](https://x.com/CooperCapitaI/status/2000297980042313744) 2025-12-14T20:12Z [--] followers, [---] engagements
"The BNPL industry poses a lot of interesting players. $KLAR is the one everyone talks about but it isn't profitable. I am not going to go through the guesswork of modeling them Thus the next BNPL I am modeling is $AFRM Don't worry my loyalties still lie with $SEZL just interested in understanding the other players better. https://twitter.com/i/web/status/2000336209864958046 https://twitter.com/i/web/status/2000336209864958046"
[X Link](https://x.com/CooperCapitaI/status/2000336209864958046) 2025-12-14T22:44Z [---] followers, [---] engagements
"@qualtrim $PYPL fascinates me with their buybacks. I think $PYPL correction will be sudden once we realize what we are looking over"
[X Link](https://x.com/CooperCapitaI/status/2000350730964918694) 2025-12-14T23:42Z [--] followers, [----] engagements
"@nikinvestments $KLAR gets all the attention while the other BNPLs are actually building profits. Im excited to add another lender to my watchlist"
[X Link](https://x.com/CooperCapitaI/status/2000548750100513114) 2025-12-15T12:49Z [---] followers, [---] engagements
"$SEZL is repurchasing more shares I am surprised they are returning more capital to shareholders but certainly not opposed. Very excited on what this may hint to for Q4"
[X Link](https://x.com/CooperCapitaI/status/2000687861033517252) 2025-12-15T22:02Z [---] followers, [---] engagements
"Genuine question for Polymarket and Kalshi users Are there actual arbitrage opportunities or is it just gambling. It makes sense there would be opportunity as these are the early days of prediction markets but it still feels fantasized"
[X Link](https://x.com/CooperCapitaI/status/2001053814518870278) 2025-12-16T22:16Z [--] followers, [--] engagements
"@Kalshi Why would they want less money"
[X Link](https://x.com/CooperCapitaI/status/2001055516810748292) 2025-12-16T22:23Z [--] followers, [--] engagements
"BNPL is highly susceptible to weakening consumer credit If a consumer stops using BNPL $AFRM $KLAR and other BNPLs will be severely harmed $SEZL provides much more protection with their sub service. $SEZL has focused on building an environment with MoneyIQ full access to BNPL offerings special cashback opportunities through $SEZL spend credit reporting and more services being developed. For some consumers this is worth more than just the card. https://twitter.com/i/web/status/2002001645513683377 https://twitter.com/i/web/status/2002001645513683377"
[X Link](https://x.com/CooperCapitaI/status/2002001645513683377) 2025-12-19T13:02Z [---] followers, [---] engagements
"Not a lot of people know how to value an AI company Though many analysts know how to value an insurer. That makes me believe price to be more subjective This can create volatility and the type of FOMO like demand that can drive price up. I don't think we are in a bubble but clearly OpenAI is taking advantage. OpenAI targeting an $830B valuation on $13B in revenue https://t.co/PykRusq0p3 OpenAI targeting an $830B valuation on $13B in revenue https://t.co/PykRusq0p3"
[X Link](https://x.com/CooperCapitaI/status/2002115167132512622) 2025-12-19T20:33Z [--] followers, [--] engagements
"I just experienced a man at a restaurant today fully profess his newfound love for the Affirm card to his date: - 0% interest - $12000 limit - He loves $AFRM Safe to say I cared more than she did.😂"
[X Link](https://x.com/CooperCapitaI/status/2002200495276888457) 2025-12-20T02:12Z [--] followers, [---] engagements
"@derekquick1 $UNH so obviously underpriced as a long term holding"
[X Link](https://x.com/CooperCapitaI/status/2002231549476118567) 2025-12-20T04:16Z [--] followers, [---] engagements
"@midascabal $SEZL still trading cheap. Different from all other BNPL's through its subscription based service"
[X Link](https://x.com/CooperCapitaI/status/2002431476240167258) 2025-12-20T17:30Z [--] followers, [----] engagements
"@HolySmokas Differences in goals. One is willing to risk it all the other is living more comfortably. Nothing wrong with either. Most will and should take the second"
[X Link](https://x.com/CooperCapitaI/status/2002555834967200020) 2025-12-21T01:44Z [--] followers, [----] engagements
"@sadly1673029 I am an active investor but I think most people should be passive. Appreciate the recommendation👍🏻"
[X Link](https://x.com/CooperCapitaI/status/2002566164854276165) 2025-12-21T02:25Z [--] followers, [--] engagements
"@StockMKTNewz @fiscal_ai 60% revenue growth in a decade. Explains the horrible price action"
[X Link](https://x.com/CooperCapitaI/status/2002740007782813960) 2025-12-21T13:56Z [--] followers, [--] engagements
"@weary_centurion Done by Christopher Nolan too should be a good one"
[X Link](https://x.com/CooperCapitaI/status/2002788898804789374) 2025-12-21T17:10Z [--] followers, [--] engagements
"Motley posted an article yesterday speaking specifically about $KLAR to comment on BNPL. The excerpt below shows what Motely presented as the bearish perspective (the author says data proves bears appear inaccurate in their claims later in the article.) But the market has done so well in painting BNPL as a villain it is insane to me. At the core BNPL is debt and in many cases more responsible than traditional credit offerings. I use debt EVERYDAY for almost ALL of my purchases as I increase the time value of my money and yield rewards. Many people are in the same boat. If the market sees BNPL"
[X Link](https://x.com/CooperCapitaI/status/2002918799939424689) 2025-12-22T01:47Z [---] followers, [---] engagements
"@KobeissiLetter Active investors are a dying breed. Maybe rightly so. most can't outperform"
[X Link](https://x.com/CooperCapitaI/status/2002936524741156988) 2025-12-22T02:57Z [--] followers, [--] engagements
"@Kalshi Ill miss him"
[X Link](https://x.com/CooperCapitaI/status/2003117613531144302) 2025-12-22T14:57Z [--] followers, [--] engagements
"@HolySmokas Stocks have just begun so much more growth with AI implications and SpaceX on the horizon"
[X Link](https://x.com/CooperCapitaI/status/2003212037045026936) 2025-12-22T21:12Z [--] followers, [---] engagements
"@patientinvestt Goes to show you cant just buy a strong brand at any price"
[X Link](https://x.com/CooperCapitaI/status/2003212232180793457) 2025-12-22T21:13Z [--] followers, [---] engagements
"No way In the ChatGPT review they make an avatar for you. I guess ChatGPT has taken to heart all of my $SEZL research😄 Guess that makes me the $SEZL king now"
[X Link](https://x.com/CooperCapitaI/status/2003269824202600662) 2025-12-23T01:01Z [---] followers, [---] engagements
"@Mr_Derivatives Dont you dare"
[X Link](https://x.com/CooperCapitaI/status/2003270569790439846) 2025-12-23T01:04Z [--] followers, [--] engagements
"@RealJGBanks Thats the craziest one day rally Ive seen in a while"
[X Link](https://x.com/CooperCapitaI/status/2003271011429646671) 2025-12-23T01:06Z [--] followers, [----] engagements
"$SEZL is BNPL company. It operates for consumers that may not have strong access to credit whether this means they are young or in the subprime category. It is different from all of the other BNPL companies because of its sub service. This allows them to profitably offer their BNPL services. The numbers are shocking when you look at them they really feel very undervalued PE of [--] right now. Take a look at their growth metrics https://twitter.com/i/web/status/2003283643427348506 https://twitter.com/i/web/status/2003283643427348506"
[X Link](https://x.com/CooperCapitaI/status/2003283643427348506) 2025-12-23T01:56Z [---] followers, [---] engagements
"I have made a grave mistake with $SEZL In the latest earnings call as we know Youakim stated Sezzle's move to get a banking charter. I concluded this to be a move to make lending more efficient. Yet this banking charter would allow for the introduction of products and services that span far beyond the value offered with just cheaper capital. This banking charter shows the long term mindset that Charlie Youakim has for the company. He isn't just thinking how the company can expand their BNPL offerings but how they can change their financial offerings in the new banking revolution. I have"
[X Link](https://x.com/CooperCapitaI/status/2003538075146752226) 2025-12-23T18:47Z [---] followers, [---] engagements
"$AFRM CEO believes they are the best at underwriting in the industry. When you dont benefit upon customer late fees you ensure your underwriting is stronger as less delinquencies result Excerpt from HD in HD interview on $AFRM s underwriting philosophy w/ CEO Max Levchin"
[X Link](https://x.com/CooperCapitaI/status/2003667133755277817) 2025-12-24T03:20Z [--] followers, [--] engagements
"@BillAckman I'm sad to see him go he has done the same for me"
[X Link](https://x.com/CooperCapitaI/status/2003833016423239906) 2025-12-24T14:19Z [--] followers, [--] engagements
"Ive made [--] total purchases in [----] $UNH @ $250 $SEZL @ $63.64 I missed out on a lot of opportunities but the ones that you take should be hefty bets. Keep researching and take the chance when you have good odds Heres to buying great companies at discounts in the next year 🥂"
[X Link](https://x.com/CooperCapitaI/status/2003887151919050972) 2025-12-24T17:55Z [---] followers, [---] engagements
"It is crazy to me the differences in opinion for the future of the economy. I feel like it comes down to whether you believe in AI being able to start a revolution similar of that of the internet. If you dont believe in these capabilities being bearish is the only other option @pmarca Double-digit growth is coming within [--] to [--] months. If applied intelligence is proxy for economic growth which it should be triple-digit is possible in [--] years. @pmarca Double-digit growth is coming within [--] to [--] months. If applied intelligence is proxy for economic growth which it should be triple-digit is"
[X Link](https://x.com/CooperCapitaI/status/2003907562920419386) 2025-12-24T19:16Z [--] followers, [---] engagements
"@Kalshi The difference of believing in AI and thinking it will fall"
[X Link](https://x.com/CooperCapitaI/status/2003907709910110326) 2025-12-24T19:16Z [--] followers, [--] engagements
"@elonmusk Gemini and ChatGPT"
[X Link](https://x.com/CooperCapitaI/status/2003941064101843185) 2025-12-24T21:29Z [--] followers, [---] engagements
"@TheLongInvest $UNH is integral to American healthcare no matter how hated we need it in this system"
[X Link](https://x.com/CooperCapitaI/status/2004224021194551515) 2025-12-25T16:13Z [--] followers, [---] engagements
"@saylordocs 31M bitcoin * 10M/ coin in never possible unless the dollar turns to dust"
[X Link](https://x.com/CooperCapitaI/status/2004324206537068556) 2025-12-25T22:51Z [--] followers, [----] engagements
"@Kalshi How is that measured"
[X Link](https://x.com/CooperCapitaI/status/2004599686481805513) 2025-12-26T17:06Z [--] followers, [--] engagements
"$SEZL = subscription service providing valuable products and services to members empowering consumers to use smarter credit options and learning how to use credit $AFRM = data giant specializing in underwriting providing powerful information for merchants to build one of the strongest underwriting engines to track responsibility of consumers Both have different ideas and different target markets but I predict both will be massively successful in the BNPL and consumer credit space. https://twitter.com/i/web/status/2004646622639317093 https://twitter.com/i/web/status/2004646622639317093"
[X Link](https://x.com/CooperCapitaI/status/2004646622639317093) 2025-12-26T20:12Z [---] followers, [---] engagements
"@HolySmokas $SOFI and $PYPL look good"
[X Link](https://x.com/CooperCapitaI/status/2004646850192871605) 2025-12-26T20:13Z [--] followers, [---] engagements
"@MarcalCarbo $SEZL PE - [----] $AFRM PE - [---] very true. I wonder if this is because of the data like centric nature of $AFRM business model Also the fact that Max Levchin is so revered. Either way the valuations are out of whack. $AFRM is still way too expensive and $SEZL still way too cheap"
[X Link](https://x.com/CooperCapitaI/status/2004651588393259116) 2025-12-26T20:32Z [---] followers, [--] engagements
"A friend of mine recently inquired about my investments I told him about the BNPL company $SEZL. He laughed "BNPL you know that's a scam right" It's fascinating that BNPL has been painted this way while credit cards are responsible for 1.2T IN DEBT IN AMERICA BNPL is a better product for borrowers: -0% interest -25% down payment (more responsibility needed) -Payments every [--] weeks coinciding with consumer's paychecks. It will take a while for the light to shine through but once it does it will be a flood. https://twitter.com/i/web/status/2004656915964391751"
[X Link](https://x.com/CooperCapitaI/status/2004656915964391751) 2025-12-26T20:53Z [---] followers, [---] engagements
"@HeroDividend More of an Uncertainty indicator"
[X Link](https://x.com/CooperCapitaI/status/2004660704520073610) 2025-12-26T21:08Z [--] followers, [---] engagements
"@BoringBiz_ That may be the most insane headline I've ever seen"
[X Link](https://x.com/CooperCapitaI/status/2004727760405889054) 2025-12-27T01:35Z [--] followers, [---] engagements
"@Kalshi This would be a tragedy"
[X Link](https://x.com/CooperCapitaI/status/2004961712127324376) 2025-12-27T17:04Z [--] followers, [---] engagements
"@SawyerMerritt @grok what are the metrics of safety do we know how many crashes and incidents there have been during the use of FSD supervised"
[X Link](https://x.com/CooperCapitaI/status/2004968285184688236) 2025-12-27T17:31Z [--] followers, [---] engagements
"My total silver collection is as follows: [--] Silver Eagle I got it [--] years ago +450% returns vs +230% returns of S&P [---] I will be opening my hedge fund soon if you are looking for similar returns 😆"
[X Link](https://x.com/CooperCapitaI/status/2005007898284613928) 2025-12-27T20:08Z [--] followers, [--] engagements
"I think next year is going to be a good one for $SEZL $SEZL is setting up for a big time [----]. Just off their initial guidance for the year the company is expecting 30% earnings growth and trades at a [--] Forward P/E. Right now the company has [---] open jobs on their website. The recent Glassdoor reviews all seem positive and $SEZL is setting up for a big time [----]. Just off their initial guidance for the year the company is expecting 30% earnings growth and trades at a [--] Forward P/E. Right now the company has [---] open jobs on their website. The recent Glassdoor reviews all seem positive and"
[X Link](https://x.com/CooperCapitaI/status/2005109468540141919) 2025-12-28T02:52Z [---] followers, [---] engagements
"@KyleAdamsStocks Absolutely The stock is extremely volatile but bears and bulls feel quite balanced. We saw a +20% move directly after earnings but enough bear pressure to push that down at market open. There won't be much the bears can do once earnings come out for the Holidays"
[X Link](https://x.com/CooperCapitaI/status/2005110320789127409) 2025-12-28T02:55Z [---] followers, [---] engagements
"@JuanRodrig07 $PYPL debit card is great just got mine a few weeks ago"
[X Link](https://x.com/CooperCapitaI/status/2005113896378696025) 2025-12-28T03:09Z [--] followers, [---] engagements
"Here are some metrics from $AFRM's shareholder letter -55% growth for BNPL products -74% growth for 0% monthly instalment Even as rates decline demand for these loans intensify Why Because consumers will always want to be charged less AND merchants will always want more sales Consumers are more likely to spend with these services Merchants are fine with higher take rates if it means more sales"
[X Link](https://x.com/CooperCapitaI/status/2005308779202552300) 2025-12-28T16:04Z [---] followers, [---] engagements
"I just wrote an analysis on the products and offerings of $AFRM if you own a BNPL/lending company like $SEZL it is important to understand how the other lenders are preforming in the industry. Strong performance by $AFRM is good for BNPL in general https://open.substack.com/pub/coopercapital/p/the-lender-driving-a-consumer-spendingr=6dhii1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/coopercapital/p/the-lender-driving-a-consumer-spendingr=6dhii1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"
[X Link](https://x.com/CooperCapitaI/status/2005313047066493229) 2025-12-28T16:21Z [---] followers, [---] engagements
"@71boy71 I dont own any $AFRM shares and as of now dont plan to acquire any. I believe it is important to understand how other players in the lending industry are developing in this credit revolution. I do own shares of $SEZL and plan to hold"
[X Link](https://x.com/CooperCapitaI/status/2005330349816209536) 2025-12-28T17:29Z [---] followers, [---] engagements
"$AFRM has a lot in the lending industry. They have access to data unlike any other company. This allows for strong underwriting and merchant integration. To understand how this affects their business model my Substack link is linked below https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1 https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1"
[X Link](https://x.com/CooperCapitaI/status/2005768790366106049) 2025-12-29T22:31Z [---] followers, [--] engagements
"$AFRM has a moat in the lending industry. They have access to data unlike any other company. This allows for strong underwriting and merchant integration. To understand how this affects their business model my Substack article is linked below https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1 https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1"
[X Link](https://x.com/CooperCapitaI/status/2005768928761696401) 2025-12-29T22:32Z [---] followers, [---] engagements
"@Kalshi If we are not careful this is what will happen to the US developed countries are experiencing declining birth rates. Because much of the economy is reliant on growing populations this may pose serious concerns"
[X Link](https://x.com/CooperCapitaI/status/2005772077627048391) 2025-12-29T22:45Z [--] followers, [----] engagements
"@rubicon59 $SEZL is an extremely exciting opportunity $SEZL's moat is their deeper consumer connection which allows them to have subscription offerings. BNPL is often talked bad upon but once the value of its offerings are seen valuations should match value"
[X Link](https://x.com/CooperCapitaI/status/2005845643999277429) 2025-12-30T03:37Z [---] followers, [---] engagements
"@Mr_Derivatives There is certainly opportunity yet with $PYPL there are some key catalysts developing I imagine it will take a year or two for them to bring real value though"
[X Link](https://x.com/CooperCapitaI/status/2006044072700498395) 2025-12-30T16:45Z [---] followers, [----] engagements
"At what point does $PYPL have a strong margin of safety I believe Ben Graham said PE's can either reflect the past the present or the future of a company. This valuation feels very past oriented right now. Feels like none of their future initiatives are being priced in"
[X Link](https://x.com/CooperCapitaI/status/2006059621631332414) 2025-12-30T17:47Z [---] followers, [---] engagements
"In addition investor sentiment is very low right now expectations rock bottom. I think this is reflect through the nickname PainPal. This is when a value investor would pick up a security like this imo. Contingent on investors belief $PYPL preform well in their future catalysts"
[X Link](https://x.com/CooperCapitaI/status/2006060104932643027) 2025-12-30T17:49Z [---] followers, [---] engagements
"@Kalshi Yeah I doubt they would be able to offer even relatively close numbers"
[X Link](https://x.com/CooperCapitaI/status/2006126798812103079) 2025-12-30T22:14Z [--] followers, [--] engagements
"From a pure valuation standpoint $UBER looks good. Do Robotaxis pose concerns though And is autonomous the only thing keeping price down @alifarhat79 Yes. It is incredibly cheap. @alifarhat79 Yes. It is incredibly cheap"
[X Link](https://x.com/CooperCapitaI/status/2006456187521482799) 2025-12-31T20:03Z [---] followers, [--] engagements
"@brewmarkets SpaceX IPO does seem very overvalued. But I doubt the market top will happen for a while. AI is going to change the world"
[X Link](https://x.com/CooperCapitaI/status/2006788415090725154) 2026-01-01T18:03Z [---] followers, [---] engagements
"$SEZL I will probably buy more shares if it comes down to $50-55 again. It seems $SEZL does not do well in low volatility. Seems we will have to wait for the next earnings report to get another move like we have seen recently"
[X Link](https://x.com/CooperCapitaI/status/2006790968230711481) 2026-01-01T18:13Z [---] followers, [---] engagements
"@commonsenseplay I just think people don't understand the market cap of $BTC it's just not possible for it to move like it once did"
[X Link](https://x.com/CooperCapitaI/status/2006791821746385395) 2026-01-01T18:17Z [---] followers, [----] engagements
"@silverz1972 @commonsenseplay I would love if that is true I just dont believe it. Debt is climbing so fast and the gov just wouldnt YOLO trillions into the coin. But thats just my opinion🤷"
[X Link](https://x.com/CooperCapitaI/status/2006925483016130846) 2026-01-02T03:08Z [---] followers, [--] engagements
"@weary_centurion You deserve it for all of that $PYPL due diligence you have providing I enjoy reading them thank you"
[X Link](https://x.com/CooperCapitaI/status/2006926723468898732) 2026-01-02T03:13Z [---] followers, [---] engagements
"@willssddd @commonsenseplay Possible but not probable imo. I dont really believe it is money it is so volatile. More of a speculative instrument. I know US dollar is a bad alternative but thats why most of my money is invested in equities. I mean its only been around for like [--] years so well see"
[X Link](https://x.com/CooperCapitaI/status/2006928259393458593) 2026-01-02T03:19Z [---] followers, [---] engagements
"@FischerJiriML @GooglePlay @Apple You should take a look at $SEZL my friend. Interesting company. I think you will enjoy the research"
[X Link](https://x.com/CooperCapitaI/status/2006933584943432091) 2026-01-02T03:40Z [---] followers, [---] engagements
"Well the big money has been made. 10x obviously very strong but that wont come for years and maybe decades. The run of crypto has been strong bc of rapid adoption. That just isnt the case anymore. We need big players to pump money in it to gain value but in reality it is more of a speculative tool than an investment Also my claim is that it is impossible for it to move like it once did you cannot disagree with that"
[X Link](https://x.com/CooperCapitaI/status/2006949596275093628) 2026-01-02T04:44Z [---] followers, [---] engagements
"@daman4545 @phishark_ @commonsenseplay I dont think Big money is done w BTC in fact this is probably the best time to get into it. But it just cant and wont preform the same as it has"
[X Link](https://x.com/CooperCapitaI/status/2006949906204996102) 2026-01-02T04:45Z [---] followers, [--] engagements
"Am I the only one who thinks $DAVE looks attractive here. They are growing so fast it is insane. They are a pretty trendy stock right now as well kind of weird they are trading like this with the growth they have experienced"
[X Link](https://x.com/CooperCapitaI/status/2007154105966571836) 2026-01-02T18:16Z [---] followers, [---] engagements
"@Florio32081 @dividenddude maybe so I think it can be good but it will take decades. We all know how Musk is😄. I imagine the market will put the shares on discount before this happens"
[X Link](https://x.com/CooperCapitaI/status/2007276705560559845) 2026-01-03T02:23Z [---] followers, [--] engagements
"@KyleAdamsStocks Just roll it forward into some $SEZL haha"
[X Link](https://x.com/CooperCapitaI/status/2007507137380135268) 2026-01-03T17:39Z [---] followers, [---] engagements
"Nothing important I changed the name of this account just because I think what I am doing with the account has changed since its inception. Currently I am focusing on companies ideas and financial situations that most people overlook. Especially $SEZL from CooperCapital"
[X Link](https://x.com/CooperCapitaI/status/2007995189387055615) 2026-01-05T01:58Z [---] followers, [---] engagements
"$SEZL More institutional buying today Im not a technical guy but price doesnt seem to want to go below [--] again I feel strong buying in the 50s if it comes back down before earnings. I doubt 50s will be a reasonable once Q4 is out"
[X Link](https://x.com/CooperCapitaI/status/2008194436682178625) 2026-01-05T15:10Z [---] followers, [---] engagements
"When is $PYPL just too cheap to pass up"
[X Link](https://x.com/CooperCapitaI/status/2008195047494139947) 2026-01-05T15:13Z [---] followers, [---] engagements
"@P14Capital $SEZL has the stronger monetization model. Look into the their subscriptions they offer a lot more value than other BNPL counterparts"
[X Link](https://x.com/CooperCapitaI/status/2008313996835782804) 2026-01-05T23:05Z [---] followers, [---] engagements
"Interview with the $SEZL CEO if you are an investor make sure to tune in Excited to announce that @KyleAdamsStocks and I will be interviewing the CEO of Sezzle $SEZL on Thursday January [--] at 1:00pm EST on X Spaces. Click the link below to reserve your spot. https://t.co/d6j3p3tqFv https://t.co/RvNMYDJBtK Excited to announce that @KyleAdamsStocks and I will be interviewing the CEO of Sezzle $SEZL on Thursday January [--] at 1:00pm EST on X Spaces. Click the link below to reserve your spot. https://t.co/d6j3p3tqFv https://t.co/RvNMYDJBtK"
[X Link](https://x.com/CooperCapitaI/status/2008535468200390949) 2026-01-06T13:45Z [---] followers, [---] engagements
"$PYPL is a high yield bond. The companyhas been returning large amounts of money to shareholders over the last few years This year dwarves them by far. They already have a dividend yield of 1% and a share buyback yield of 10% and as cash flow increases for [----] and [----] I only see that increasing My belief is that by buying shares in paypal I will have better returns on my capital than a MMF. I want yields on cash in this environment with lower rates. The downside is very limited with $PYPL and the upside. It has to be more than 3-4% Agentic ads PYPL world crypto venmo. I haven't made a"
[X Link](https://x.com/CooperCapitaI/status/2008697723411996821) 2026-01-07T00:30Z [---] followers, [---] engagements
"I'm going to start taking a look at $KLAR today to scope out competition for $SEZL. $AFRM and $SEZL are the real leaders of the BNPL revolution but for some reason $KLAR continues to be the face. I hope to find out why and the reason for this price action"
[X Link](https://x.com/CooperCapitaI/status/2009012698810581481) 2026-01-07T21:22Z [---] followers, [---] engagements
"@LincolnCarter0 Very true. I am a $PYPL optimist but not a shareholder yet. I feel there are better opportunities in the finance sector right now especially consumer credit. Once catalysts materialize there will be some exciting opportunities though"
[X Link](https://x.com/CooperCapitaI/status/2009283890599371121) 2026-01-08T15:19Z [---] followers, [---] engagements
"$SEZL has an extremely unique hiring practice where they require IQ tests and find GPAs of possible hires. They want you to be in the top 10% of both of these categories. This means you have high horsepower and are able to do projects that you maybe didnt want to do. These employees drive value for the company while not having too many workers at the firm becoming oversaturated"
[X Link](https://x.com/CooperCapitaI/status/2009360845893964058) 2026-01-08T20:25Z [---] followers, [---] engagements
"Lastly the question about short interest. Interesting ideas from Charlie as to why there is this short interest possibly as a hedge against an other positions in BNPL or against the larger economy. I believe hedges against $SEZL are major mistakes as funds demand shares in larger BNPLs. $SEZL is bringing value to shareholders like no other company and Charlie is fixed on that. The shorts will regret trying to hedge with $SEZL if this is the case. https://twitter.com/i/web/status/2009360848427602207 https://twitter.com/i/web/status/2009360848427602207"
[X Link](https://x.com/CooperCapitaI/status/2009360848427602207) 2026-01-08T20:25Z [---] followers, [---] engagements
"$PYPL is picking up LLM partnerships like their Pokmon No more bouncing between pages to buy something. Copilot Checkout with @Microsoft and @PayPal keeps it seamless. 🛍 No more bouncing between pages to buy something. Copilot Checkout with @Microsoft and @PayPal keeps it seamless. 🛍"
[X Link](https://x.com/CooperCapitaI/status/2009403068782399816) 2026-01-08T23:13Z [---] followers, [---] engagements
"@GregtheNorth @BillAckman @realDonaldTrump Visa is a processor"
[X Link](https://x.com/CooperCapitaI/status/2009833593166549011) 2026-01-10T03:44Z [---] followers, [---] engagements
"@GregtheNorth @BillAckman @realDonaldTrump Here is the statement from their annual report. Below is the margins of an actual lender American Express. As you can see the margins are much lower not to mention they have some of the best lenders and even charge annual fees for their cards"
[X Link](https://x.com/CooperCapitaI/status/2009836183891869904) 2026-01-10T03:54Z [---] followers, [---] engagements
"If i am the average American then I go and take advantage of this low interest rate. Go out buy a ton of things and then one year from now when the rates are back up there and I still have a large balance on the card (because why would I prioritize paying down the card). I have way too much money in debt sitting at 20-30% compounding against me. Why are we touching credit when it is currently working Let natural competition fight credit like BNPL options. Don't make some rule that Americans don't NEED (I feel this is evident by record numbers during the holidays) to try and protect us from"
[X Link](https://x.com/CooperCapitaI/status/2009840441483546730) 2026-01-10T04:11Z [---] followers, [---] engagements
"It is a very interesting difference. They try and pass off this difference in reporting through them being a "banking network" I dont like this way of reporting for a lender though for obvious reasons. I am still early in the game for researching $KLAR though I dont like this game they are playing with their accounting https://twitter.com/i/web/status/2010097361322955116 https://twitter.com/i/web/status/2010097361322955116"
[X Link](https://x.com/CooperCapitaI/status/2010097361322955116) 2026-01-10T21:12Z [---] followers, [---] engagements
"Very true but generally I believe GMV is a metric to measure the success of merchants rather than the company Though when merchants are successful and consumers are strong they bode success. $KLAR take rate just isnt very strong right now imo Though they do have several high value partnerships that may bode well for the long term Price of the company seems attractive right now just need to study fundamentals though I dont appreciate the type of accounting that was used for $KLAR active members https://twitter.com/i/web/status/2010129637763149842"
[X Link](https://x.com/CooperCapitaI/status/2010129637763149842) 2026-01-10T23:20Z [---] followers, [---] engagements
"$SEZL GMV: 3.6B market cap: $2.6B $AFRM GMV: 39B market cap: $27B $KLAR GMV: 118B market cap: $11.5B Gross Merchandising Volume does not indicate the success of a BNPL rather what you do with that GMV. GMV is best a predictor of the success of merchants"
[X Link](https://x.com/CooperCapitaI/status/2010349727821500776) 2026-01-11T13:55Z [---] followers, [---] engagements
"Yes I was noticing that during the research of $AFRM BUT most interesting part $SEZL is also 1/10 the amount of members The best part Neither measure users in the same way $KLAR does both only count once you make a transaction"
[X Link](https://x.com/CooperCapitaI/status/2010374229707870210) 2026-01-11T15:32Z [---] followers, [---] engagements
"Lots of attention coming towards BNPL bc of Trumps proposal. For those getting into BNPL: $KLAR is the face of BNPL but not the best option $AFRM is an extreme underwriting engine specializing in accuracy $SEZL is the biggest winner growing fast profitably 🚨 BREAKING https://t.co/rqOrjP4EZ1 🚨 BREAKING https://t.co/rqOrjP4EZ1"
[X Link](https://x.com/CooperCapitaI/status/2010423728895869266) 2026-01-11T18:49Z [---] followers, [---] engagements
"Map of where $KLAR is operating. South America looks bright for $SEZL if LATAM turns out to be true"
[X Link](https://x.com/CooperCapitaI/status/2010459954436808864) 2026-01-11T21:13Z [---] followers, [----] engagements
"@AverageDipBuyer SoFi seems like they would be a beneficiary. There are other sectors that I am interested in that I think have longer term benefits in this environment like BNPL"
[X Link](https://x.com/CooperCapitaI/status/2010480677381398627) 2026-01-11T22:35Z [---] followers, [---] engagements
"@FischerJiriML Oh I see now"
[X Link](https://x.com/CooperCapitaI/status/2010489485763449330) 2026-01-11T23:10Z [---] followers, [--] engagements
"I love buying companies that are hated by others or looked down on. With Klarnas current price action it may fit the criteria but I am still researching it will likely take me a few weeks. BNPL is an extremely underestimated rapidly accelerating industry I think most players will win though some more than others I will continue to analyze $KLAR if I think they can pick up their take rate (what I have identified so far as the main weak point) or do other things to bring their business to strong profitability then I will surely invest. The problem with most BNPL models is that monetization"
[X Link](https://x.com/CooperCapitaI/status/2010499164044476635) 2026-01-11T23:48Z [---] followers, [---] engagements
"Which Klarna membership would you pick I'll give you my answer: none of the above. The problem here is that their subscription isn't really giving me any value that I have beyond my credit card. Now I know what your thinking "you're a $SEZL investor so you believe in the sub model" What $SEZL provides you through their sub is credit building. $KLAR does offer credit building opportunities but not through their BNPL products. $SEZL through its sub is an opportunity for young consumers and those with less credit access to get into the game. Youakim even said he wouldn't let his son use it until"
[X Link](https://x.com/CooperCapitaI/status/2010817204347125976) 2026-01-12T20:52Z [---] followers, [---] engagements
"Interesting how market clearly deemed Trump announcement bullish for all BNPL which then proceeded to go red one hour into trading If there was no chance for this announcement to materialize then it would be neutral Short term price action continues to have more influence than fundamentals soon it wont be this way DANG I guess the market deemed the Trump stuff bullish for $SEZL https://t.co/CnNVkOTtJn DANG I guess the market deemed the Trump stuff bullish for $SEZL https://t.co/CnNVkOTtJn"
[X Link](https://x.com/CooperCapitaI/status/2010890024426869026) 2026-01-13T01:41Z [---] followers, [---] engagements
"@BarnieTaintpipe Looking at $KLAR right now $DAVEs price is attractive right now. Is it good at these levels"
[X Link](https://x.com/CooperCapitaI/status/2011075735071437280) 2026-01-13T13:59Z [---] followers, [---] engagements
"Everyone likes $PYPL because of how cheap it is but take a look at [----] [----] [----] [----] earnings. All the same income Dont use [----] earnings were depressed [----] is looking much better Wall Street asks wether this trend can continue after not growing for years"
[X Link](https://x.com/CooperCapitaI/status/2011089214478131485) 2026-01-13T14:53Z [---] followers, [---] engagements
"@invertiramateur @KyleAdamsStocks @MarcalCarbo The growth of $SEZL is staggering definitely the best opportunity in BNPL imo the subscription model is unbeaten"
[X Link](https://x.com/CooperCapitaI/status/2011190434408611978) 2026-01-13T21:35Z [---] followers, [---] engagements
"$DAVE crashed hard today. Really annoyed it chose now I got tons of work to do no time for due diligence. I have a strong feeling it wont stay at these levels until the weekend. If it does it will be a fun weekend"
[X Link](https://x.com/CooperCapitaI/status/2011532468067975662) 2026-01-14T20:14Z [---] followers, [---] engagements
"@Globalflows You forgot about inflation my friend"
[X Link](https://x.com/CooperCapitaI/status/2012157869278265464) 2026-01-16T13:39Z [---] followers, [---] engagements
"@ATabarrok AI already is taking over jobs at places like Klarna it certainly will in the longer run maybe 3-5 years think of how far we got since 2022"
[X Link](https://x.com/CooperCapitaI/status/2012371327001252291) 2026-01-17T03:48Z [---] followers, [---] engagements
"I accumulated $ASTS at [--] over a year ago figured it would be a fun long term speculative play turns out it was but I sold at [--] as I figured that the SpaceX hype would die down before they went public as people realize this does not change the fundamental of ASTS Bit early"
[X Link](https://x.com/CooperCapitaI/status/2012373053108306171) 2026-01-17T03:54Z [---] followers, [---] engagements
"@invertiramateur $PYPL looks so well poised catalysts just have to come in now"
[X Link](https://x.com/CooperCapitaI/status/2012375815955054687) 2026-01-17T04:05Z [---] followers, [---] engagements
"The short squeeze is going to be insane Sezzle getting on the rankings $SEZL Sezzle getting on the rankings $SEZL"
[X Link](https://x.com/CooperCapitaI/status/2012636273278587305) 2026-01-17T21:20Z [---] followers, [---] engagements
"@JuanRodrig07 @acce for many kids their school kinda becomes their identity this is a great idea from $PYPL"
[X Link](https://x.com/CooperCapitaI/status/2012636744114458991) 2026-01-17T21:22Z [---] followers, [---] engagements
"Yes I am aware this is why I believe the company is currently driven upon emotion. What I believe to possibly happen is an overcorrection by the market especially once holiday earnings come out. Fair financing likely would have been used aggressively during this time period. Provisions will soar and price may plummet. This is just a thought but if this were to happen it would provide an extremely attractive entry on the company https://twitter.com/i/web/status/2012936670060929073 https://twitter.com/i/web/status/2012936670060929073"
[X Link](https://x.com/CooperCapitaI/status/2012936670060929073) 2026-01-18T17:14Z [---] followers, [--] engagements
"@FischerJiriML @Klarna Yeah looks like things got tough for them last Q"
[X Link](https://x.com/CooperCapitaI/status/2012952196103495956) 2026-01-18T18:16Z [---] followers, [--] engagements
"BNPL is growing everywhere Buy Now Pay Later https://t.co/olEv7gCZc3 @Klarna $KLAR @klarnaseb https://t.co/gJojJEoji1 Buy Now Pay Later https://t.co/olEv7gCZc3 @Klarna $KLAR @klarnaseb https://t.co/gJojJEoji1"
[X Link](https://x.com/CooperCapitaI/status/2012976858581631302) 2026-01-18T19:54Z [---] followers, [--] engagements
"EVERYTHING you need to know about $SEZL. I made this for those who are looking for their next investment or those who wish to broaden your knowledge on the company Also contains personal insights beyond financials. Put on 2x speed and enjoy😁 https://youtu.be/B5kfsokLsk8 https://youtu.be/B5kfsokLsk8"
[X Link](https://x.com/CooperCapitaI/status/2014127930188738722) 2026-01-22T00:08Z [---] followers, [----] engagements
"@DudeWhoInvests Im thinking about exiting bought at [---] and feel like we got a good portion of the rim for a while think it is time to move on better opportunities out there"
[X Link](https://x.com/CooperCapitaI/status/2014324123896250442) 2026-01-22T13:07Z [---] followers, [--] engagements
"But I learned how to play chess because it is a game and I enjoy playing I dont find learning language to be a game but rather a skill focused entirely on increasing your value as a person but this disappears once I dont need to be able to speak in other languages myself anymore I understand others likely find the process fun but certainly not $DUOLs entire customer base. In the longer run I feel like it is going to be phased out some will learn languages because they enjoy it but the audience will grow increasingly smaller. $DUOL may make sense as a trade from a valuation perspective but I"
[X Link](https://x.com/CooperCapitaI/status/2014352406033633764) 2026-01-22T15:00Z [---] followers, [---] engagements
"@wansaneb16 @DudeWhoInvests Yeah and this is what I am realizing $UNH is a great position but it is going to take years to realize where it is at. On the other hand companies like $SEZL may be close to realizing their values"
[X Link](https://x.com/CooperCapitaI/status/2014352807701237918) 2026-01-22T15:01Z [---] followers, [---] engagements
"I used duol 2-3 years ago to learn begin learning German. I stopped because I just found it to not be useful. My case was because I live in America so not much use here. The modern argument is AI is just going to make learning language not as much use right Everyone starts Duolingo because they go to broaden their horizons and believe they are learning a skill that is actually useful. Once they realize that it takes a TON of commitment to become bilingual and believing they could just spend [--] min a day to learn a language they quit More people will quit as these skill become less useful"
[X Link](https://x.com/CooperCapitaI/status/2014361391537311857) 2026-01-22T15:35Z [---] followers, [--] engagements
"@weary_centurion I do find it suspicious that nothing is being priced in It did make me think they are seeing something we dont But maybe they are just overlooking the opportunity here"
[X Link](https://x.com/CooperCapitaI/status/2015089592920047951) 2026-01-24T15:49Z [---] followers, [---] engagements
"@Kalshi Because there is not nearly enough volume on these exchanges to make enough money Even if more hedge funds adopt this it will just be smart money vs smart money more foolish money in the markets than on Kalshi"
[X Link](https://x.com/CooperCapitaI/status/2015146613925114275) 2026-01-24T19:36Z [---] followers, [---] engagements
"I am going to be making a video on the $DAVE. $DAVE is priced so attractively it is kind of hard not to be bullish but there is a reason why it is being priced that way The reason are the lawsuits out against them. If you understand them you understand the pricing. The lawsuits could materially impact the future of their business. The video will be out within the next few days. https://twitter.com/i/web/status/2015271226407530972 https://twitter.com/i/web/status/2015271226407530972"
[X Link](https://x.com/CooperCapitaI/status/2015271226407530972) 2026-01-25T03:51Z [---] followers, [--] engagements
"WOW A BLATANT difference in how $KLAR and $SEZL report active consumers. By just logging into the Klarna app you are counted as an active consumer On Sezzle you actually have to make a purchase"
[X Link](https://x.com/CooperCapitaI/status/2010084515893661888) 2026-01-10T20:21Z [---] followers, [----] engagements
### Topic Creators
https://lunarcrush.com/api4/public/topic/:topic/creators/v1
Get the top creators for a social topic
input parameters:
+ **topic**: _Provide the topic to get details for. A topic must be all lower case and can only include letters, numbers, spaces, # and $._ **required**
Example request:
```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/topic/bitcoin/creators/v1
```
Example response:
```json
{
"data": [
{
"creator_id": "twitter::1605310254085980161",
"creator_name": "Bitcoin_Teddy",
"creator_avatar": "https://pbs.twimg.com/profile_images/1739753415134138368/FrWHMAnb_200x200.jpg",
"creator_followers": 74293,
"creator_rank": 1,
"interactions_24h": [-------]
}
]
}
```
Schema:
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
---
### Category Creators
https://lunarcrush.com/api4/public/category/:category/creators/v1
Get the top creators for a social category
input parameters:
+ **category**: _Provide the category to get details for. A category must be all lower case and can only include letters, numbers, and spaces._ **required**
Example request:
```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/category/musicians/creators/v1
```
Example response:
```json
{
"data": [
{
"creator_id": "youtube::undefined",
"creator_name": "airshowfansh",
"creator_avatar": "https://yt3.ggpht.com/cUuwxYNRoYoO_rnBAgPbze39nOMI_rUq0pVmHiM-Fz40TsRDmv8gZcUxvqxLF_bsGzhdVu4u9A=s88-c-k-c0x00ffffff-no-rj",
"creator_followers": 79600000,
"creator_rank": 1,
"interactions_24h": [---------]
}
]
}
```
Schema:
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
---
### Creators List
https://lunarcrush.com/api4/public/creators/list/v1
Get a list of trending social creators over all of social based on interactions. To get lists of creators by category or topic see the topics and categories endpoints.
Example request:
```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creators/list/v1
```
Example response:
```json
{
"data": [
{
"creator_name": "elonmusk",
"creator_display_name": "Elon Musk",
"creator_id": "44196397",
"creator_network": "twitter",
"creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
"creator_followers": 234295750,
"creator_posts": 3649,
"creator_rank": 1,
"interactions_24h": [---------]
}
]
}
```
Schema:
+ **creator_name**: The unique screen name for the influencer
+ **creator_display_name**: The chosen display name for the influencer if available
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_network**: The social network for the post or influencer. We still refer to x as twitter out of developer preference.
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_posts**: total number of posts with interactions in the last [--] hours
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
---
### Creator
https://lunarcrush.com/api4/public/creator/:network/:id/v1
Get detail information on a specific creator
input parameters:
+ **network**: _Provide the network for the creator. One of twitter, youtube, instagram, reddit, or tiktok_ **required**
+ **id**: _Provide the unique ID or screen name of the creator_ **required**
Example request:
```bash
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/v1
```
Example response:
```json
{
"data": {
"creator_id": "twitter::44196397",
"creator_name": "elonmusk",
"creator_display_name": "Elon Musk",
"creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
"creator_followers": 234296337,
"creator_rank": 2,
"interactions_24h": 318539577,
"topic_influence": [
{
"topic": "in the",
"count": 294,
"percent": 5.88,
"rank": [--]
}
],
"top_community": [
{
"creator_name": "grok",
"creator_display_name": "Grok",
"creator_avatar": "https://pbs.twimg.com/profile_images/1893219113717342208/Vgg2hEPa_200x200.jpg",
"count": [---]
}
]
}
}
```
Schema:
+ **creator_id**: The [network]::[unique_id] for the influencer
+ **creator_name**: The unique screen name for the influencer
+ **creator_display_name**: The chosen display name for the influencer if available
+ **creator_avatar**: The URL to the avatar for the creator
+ **creator_followers**: number of followers the account has
+ **creator_rank**: ranking based on all posts in the last [--] hours that have interactions
+ **interactions_24h**: Number of interactions in the last [--] hours
+ **topic_influence**: an array of social topics and the creators ranking on each topic
+ **topic**: LunarCrush social topic. Can only includes letters, numbers, spaces, #, and $
+ **top_community**: an array of the top accounts that have recently mentioned this creator or that this creator has mentioned
---
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@CooperCapitaI CooperCapital
CooperCapital posts on X about $sezl, $pypl, $klar, strong the most. They currently have [---] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.
Engagements: [---] #
- [--] Week [-----] -24%
- [--] Month [------] -64%
Mentions: [--] #
- [--] Week [--] no change
- [--] Month [--] -44%
Followers: [---] #
- [--] Week [---] -0.78%
- [--] Month [---] +7.60%
CreatorRank: [---------] #
Social Influence
Social category influence stocks finance technology brands cryptocurrencies social networks countries fashion brands celebrities currencies
Social topic influence $sezl #4, $pypl, $klar #7, strong, in the, $afrm #15, business, kalshi, money, klarna #52
Top accounts mentioned or mentioned by @kalshi @wearycenturion @marcalcarbo @kyleadamsstocks @billackman @commonsenseplay @fischerjiriml @youtube @networthnotes @juanrodrig07 @barnietaintpipe @grok @holysmokas @klarna @stockmktnewz @boringbiz @fluentinfinance @thelonginvest @mrderivatives @gregthenorth
Top assets mentioned Sezzle Inc. Common Stock (SEZL) PayPal Holdings Inc (PYPL) Klarna Group plc (KLAR) Affirm Holdings, Inc. (AFRM) Dave Inc. (DAVE) UnitedHealth Group (UNH) RAI Finance (SOFI) Bitcoin (BTC) CAVA Group, Inc. (CAVA) NVIDIA Corp. (NVDA) Celsius Holdings, Inc. Common Stock (CELH) Uber Technologies, Inc. (UBER) PepsiCo, Inc. (PEP) Iris Energy Limited (IREN) Nebius Group N.V. Class A Ordinary Shares (NBIS) Amazon.com, Inc. (AMZN) Snap, Inc. (SNAP)
Top Social Posts
Top posts by engagements in the last [--] hours
"I feel the low valuation is more because of how competitive the industry is right now. It is very hard to see the players that are going to come out on top while SEZL might have the best BNPL model it also has heavy competition especially from KLAR which just made a sub model too"
X Link 2025-11-06T16:08Z [--] followers, [---] engagements
"Seems like fintech stocks are all taking a beating maybe a signal subprime credit is at risk may be an overreaction I imagine we will know in a month"
X Link 2025-11-15T23:53Z [--] followers, [--] engagements
"There are a lot of Problems with Celsius beyond their negative net income. This certainly is not the sole reason for their dropoff. via @YouTube https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG"
X Link 2025-11-16T21:17Z [--] followers, [--] engagements
"There are a lot of Problems with Celsius beyond their negative net income. This certainly is not the sole reason for their dropoff via @YouTube https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG"
X Link 2025-11-16T21:17Z [--] followers, [--] engagements
"I see a lot of people who believe that Celsius could be a value play because of their strong growth but there are fundamental problems which may make me have to disagree There are a lot of Problems with Celsius beyond their negative net income. This certainly is not the sole reason for their dropoff via @YouTube https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG https://youtu.be/wgkKjmSTyDYsi=kgTkY9rIo2AcBbDG"
X Link 2025-11-16T21:18Z [--] followers, [---] engagements
"@Julian_Trades1 Cava is my favorite of the bunch: Has a very strong ability to scale no traditional debt and a long term model that has already been proven"
X Link 2025-11-17T02:10Z [--] followers, [--] engagements
"$NVDA earnings bouta be crazy"
X Link 2025-11-19T21:04Z [--] followers, [----] engagements
"$SEZL was up over 7% before everything came crashing down today could this be a signal that the market is understanding the opportunity and then overreacted as the market corrected or is it just general volatility for a small cap Something we will probably figure out quite soon"
X Link 2025-11-21T02:39Z [--] followers, [---] engagements
"I did a write up on Cava a few weeks ago felt very strong about the company especially with a model that has already been proven to work. Didn't buy any we can learn from Noah: "predicting rain doesn't count building arks does." -Warren Buffett"
X Link 2025-11-21T20:31Z [--] followers, [--] engagements
"I think it is smarter to own just a few stocks IF you are focusing on those companies and researching intensely. It is hard to develop an edge owning many companies. Owning just a few while risky I think can help an investor focus and outperform. Just be careful it is a dangerous game"
X Link 2025-11-22T13:18Z [--] followers, [---] engagements
"Opportunity is abundant on the market right now but I find it excessive to buy every opportunity just focus on those that are the highest conviction to you. For me thats $SEZL and $UNH it can be any business that you think you know enough about and believe is trading low"
X Link 2025-11-22T13:36Z [--] followers, [---] engagements
"@MMatters22596 Their BNPL initiative is something I fear as a shareholder in a different BNPL 20% cash back How is that even possible Although $SEZL has the consumer integrated into their environment this is definitely going to be a lasting playing in BNPL"
X Link 2025-11-23T15:32Z [--] followers, [---] engagements
"How is this even possible this is certainly going to grow the BNPL industry because Im going to use this offer I just hope it doesnt take anything from $SEZL Im definitely nervous about this though"
X Link 2025-11-23T15:34Z [--] followers, [---] engagements
"@TheRonnieVShow Unless you arent trying to actively invest But I agree less is more in investing only so many great opportunities"
X Link 2025-11-24T15:00Z [--] followers, [---] engagements
"@Expandabull One of the most important things is they don't have any traditional debt They are a very strong company that is going to scale using cash in the long term Nothing more you can ask for looking to possibly enter in the future"
X Link 2025-11-24T19:00Z [--] followers, [--] engagements
"@NetWorthNotes $CELH Does look good only thing holding me back is what seems like a reliance on acquisitions Celsius is still growing but a lot of the growth is now coming from Alani. Celsius growth is starting to slowdown and I dont know how I feel about Rockstar it was a laggard for Pepsi"
X Link 2025-11-24T23:32Z [--] followers, [---] engagements
"@weary_centurion $PYPL is returning 6B to shareholders in the form of dividends and share repurchases Insane for a 56B company"
X Link 2025-11-25T13:40Z [--] followers, [---] engagements
"@weary_centurion I havent bought any yet but as I look more into it the more it seems like a misvaluation am doing more research into the week though"
X Link 2025-11-25T13:45Z [--] followers, [--] engagements
"Not a bad day to be a $SEZL shareholder. Eventually the value of the company will be fully recognized"
X Link 2025-11-25T20:58Z [--] followers, [---] engagements
"@weary_centurion @JuanRodrig07 BNPL is a huge tailwind for all these fintechs. We should be less worried about which one is going to win and more excited they are going to disrupt all of in-person banking. Offerings of fintechs are just so much better"
X Link 2025-11-25T21:03Z [--] followers, [--] engagements
"@NetWorthNotes Im excited for the long haul it just isnt hyped because it isnt AI centric"
X Link 2025-11-26T02:55Z [--] followers, [--] engagements
"@NetWorthNotes $SEZL The only BNPL that has strong profitability using subs to monetize consumers. They focus on the subprime lenders. [----] PE TTM and [---] price to sales In my opinion the strongest business in BNPL now for shareholders"
X Link 2025-11-26T13:50Z [--] followers, [---] engagements
"@xwallstx The longer Im on X the more I feel like I need to buy $PYPL"
X Link 2025-11-26T14:32Z [--] followers, [---] engagements
"@TrendSpider $SEZL PE [--] Price to sales 4.5"
X Link 2025-11-27T02:24Z [--] followers, [----] engagements
"@InvestingVisual QBTS at $6"
X Link 2025-11-28T01:19Z [--] followers, [--] engagements
"$SEZL we are finally being recognized"
X Link 2025-11-28T14:47Z [--] followers, [---] engagements
"@blondesnmoney Nike Alphafly if you are looking for a race shoe. I enjoyed HOKAs for just recovery or long run. But best shoe money can buy I would say Alphafly records have been set in this shoe"
X Link 2025-11-29T14:44Z [--] followers, [----] engagements
"Transaction revenues make up 90% $PYPL revenues. The Transaction industry is a race to the bottom as it is pretty much a commodity. Im not saying $PYPL isnt a value play but its stock price begins to make sense when you look at these things Big money is waiting to see profitability from other ventures"
X Link 2025-11-30T23:59Z [--] followers, [---] engagements
"@KyleAdamsStocks I find the price target high UNLESS the value of it being a subscription based company is recognized. Subscription based companies grow way faster. $SEZL is not a normal fintech While I hope for the price target Im in for the long haul and I am strapped in"
X Link 2025-12-01T13:23Z [--] followers, [---] engagements
"Everywhere I look I see $IREN and $NBIS what is the bull case for these companies"
X Link 2025-12-01T15:09Z [--] followers, [---] engagements
"@Simonkhalaf @tkawaja @mlevchin Businesses are going to pay big dollars to be featured in LLM suggestions. And how do you reliably link your business to an LLM Agentic"
X Link 2025-12-01T20:43Z [--] followers, [--] engagements
"PayPal is going to become an ads agency Which is going to be the best thing that ever happened to it Ads agencies trade at higher PEs than fintechs meaning price will move up for investors if their plan works This is why"
X Link 2025-12-02T02:07Z [--] followers, [---] engagements
"$PYPL will not grow unless agentic allows them to adopt ads. This is be a truly great growth initiative 7% growth of transaction revenues is not enough to take it out of the basement $PYPL Another good conversation with Dr. Mark Grether about PayPal Ads. Here are a few interesting things he mentioned: We are turning ads into shoppable ad units. We can do this because we have the payment option so in the ad itself you can pay using the PayPal button. Its $PYPL Another good conversation with Dr. Mark Grether about PayPal Ads. Here are a few interesting things he mentioned: We are turning ads"
X Link 2025-12-02T11:44Z [--] followers, [---] engagements
"@sofiintel @StockMKTNewz I believe klarna said a 45% increase YoY yet it still trades rock bottom"
X Link 2025-12-02T13:25Z [--] followers, [--] engagements
"@mccdmatthew True but these companies are growing intensely in new sectors. These the the exceptions not the standard. We both believe in the impact of ads which is my main thesis I just view their transaction volumes as slower growing and more native to a traditional payments company"
X Link 2025-12-02T14:48Z [--] followers, [--] engagements
"@MarcalCarbo They use IQ tests to find employees. I don't know much about hiring practices but this may be a large factor in their efficiency"
X Link 2025-12-03T02:41Z [--] followers, [--] engagements
"@BoringBiz_ crazy to see $AMZN have these crazy growth rates yet not even be close to where they are today. He really was right day one for the internet"
X Link 2025-12-03T03:42Z [--] followers, [---] engagements
"@_mrlongterm One of the best buys on the market right now"
X Link 2025-12-03T03:45Z [--] followers, [--] engagements
"@BenjaminDEKR They finally did it this is where chatGPT dies and Gemini takes over"
X Link 2025-12-03T15:08Z [--] followers, [--] engagements
"@BarnieTaintpipe @MichaelDell @BillAckman @altcap Clowning this is so stupid. They are giving away millions of dollars back to the people of the US"
X Link 2025-12-03T19:34Z [--] followers, [--] engagements
"I've been hating on ChatGPT recently because they're worse than Gemini but this feature is actually pretty cool I just said "I want indoor slippers" and it took me through some options and came out with a bunch of suggestions. I just scroll down pick the one I like at it takes me straight to the website. ads presented this way I think are good for the consumer and OpenAI"
X Link 2025-12-03T19:50Z [--] followers, [--] engagements
"I haven't bought yet I find it likely I do in the future. Agentic will dominate shopping. Transaction revenues are out the window. It may take a few years but no other company is better positioned for agentic than $PYPL. The nature of the transactions industry is just hard to play right now"
X Link 2025-12-03T19:55Z [--] followers, [---] engagements
"Transactions are not the future of PayPal. Agentic is. $PYPL is trading low right now because of the nature of transactions industries. If $PYPL is going to trade 20-25 in the future Agentic will have to drive value for the company. Ads for the future of $PYPL will drive profitable growth"
X Link 2025-12-03T20:00Z [--] followers, [---] engagements
"Certainly agree that it is a "value trap" now transactions is just not a high growth industry but the company actually does have strong growth initiatives like Agentic which I think could change the game for the company in the future though. Long term I am bullish for $PYPL if Agentic proves valuable"
X Link 2025-12-03T20:03Z [--] followers, [---] engagements
"@adamscochran @grok where was this information sourced from and is the "95% of sales volumes financed" accurate"
X Link 2025-12-03T20:08Z [--] followers, [--] engagements
"It's a Black Friday BNPL miracle Good start for $SEZL lets hope for a strong finish https://t.co/ZX8yJfr8sQ Good start for $SEZL lets hope for a strong finish https://t.co/ZX8yJfr8sQ"
X Link 2025-12-03T21:50Z [--] followers, [--] engagements
"@FluentInFinance Such a bad take BNPL debt is not the worst. 0% interest and a quarter paid up front. 95% was financed Not a chance"
X Link 2025-12-04T00:19Z [--] followers, [---] engagements
"@tallmikeholley @FluentInFinance Yeah really I dont even understand the logic like how much value can you get from [--] year olds banking with you"
X Link 2025-12-04T20:09Z [--] followers, [--] engagements
"Buy Now Pay Later (BNPL) had a very strong day Though I believe: -Black Friday has been priced in if guidance isn't smashed it could be bad for BNPL -consumer credit is risky right now Very glad to be a $SEZL shareholder as they are better positioned than any other company for delinquency (the main concerns right now in a struggling jobs market. I certainly won't be selling and will be buying if there is a strong correction after end of year earnings. I believe There is no better model to buy into in the finance sector right now. BNPL will disrupt the entire lending industry"
X Link 2025-12-04T21:59Z [--] followers, [---] engagements
"@APompliano He knows GPT is screwed in the short term Gemini GPT"
X Link 2025-12-05T14:54Z [--] followers, [--] engagements
"The nature of the transaction industry is extremely competitive selling a commodity like product. I think agentic will be the largest catalyst for the company transaction revenues alone arent valuable enough to get it out of the gutter. Also the growth initiatives compared to transactions are so small it is just going to take a long time for value to be recognized if it is there"
X Link 2025-12-05T14:59Z [--] followers, [---] engagements
"@AdamPippert @Lifeinvestmoney They nerfed the gold card😂 Nah just kidding man in all seriousness that's sick you have the gold one. I'm just jealous"
X Link 2025-12-06T02:50Z [--] followers, [---] engagements
"@weary_centurion It takes a strong investor to admit a change of view. A thesis change is necessary with $PYPL. agentic will allow for a transformation where transactions are less heavily relied on. it is best to wait this period out to see how their growth opportunities take to the market"
X Link 2025-12-07T13:51Z [--] followers, [---] engagements
"@CarsonTalkMoney $CELH sentiment seems to be very negative. I myself don't like all the acquisitions the company has been doing recently but if you believe in the acquisitions that they are doing and that they can reaccelerate fundamentals the current price may be good"
X Link 2025-12-07T21:54Z [--] followers, [---] engagements
"Alani deal was very strong. But I don't know how I feel about the Rockstar deal I don't understand how it is going to drive value in Celsius' growth portfolio. I also really don't see the synergy of Rockstar and the other two companies. But I certainly do see Celsius/Alani. Seems like it is just going to slow down overall growth of Celsius"
X Link 2025-12-07T22:08Z [--] followers, [--] engagements
"@Kalshi Companies will be fine in the short term if they are still productive Yet if no one buys anything then it will be a different story in the long term"
X Link 2025-12-08T00:07Z [--] followers, [---] engagements
"In the short term I imagine companies and thus the stock market will be fine as profits still increase. But long term who is going to buy JUST IN: US layoffs set to exceed [----] financial crisis JUST IN: US layoffs set to exceed [----] financial crisis"
X Link 2025-12-08T00:32Z [--] followers, [--] engagements
"@Kalshi no way Time's chooses Trump I might have to take those odds"
X Link 2025-12-08T21:18Z [--] followers, [--] engagements
"@weary_centurion Same boat $PYPL is a good play long term when it fueled by agentic"
X Link 2025-12-09T16:03Z [--] followers, [---] engagements
"@Kalshi A collapsing birth rate is often synonymous with a future collapsing of economy. I would fear investing there right now"
X Link 2025-12-09T19:46Z [--] followers, [---] engagements
"@benwfreeman1 @Domahhhh @grok where are prediction market bonds and how much risk do they carry"
X Link 2025-12-10T01:01Z [--] followers, [----] engagements
"@Kross_Roads I think PayPal ads have an opportunity to lift $PYPL out of the grave this high margin revenue would be game changing for $PYPL. I am waiting to see how they are adopted though"
X Link 2025-12-10T01:14Z [--] followers, [---] engagements
"This is a great card Before this $SOFI had less competitive cards but this has some very strong offerings. Amex has 6% cashback limited to 6k There is no cap on the $SOFI card making it a great option with 5% cashback $SOFI requires Sofi Plus which may increase Plus accounts Holy Baby Jesus They just released the $SoFi Smart Card https://t.co/7tPLvHOIiK Holy Baby Jesus They just released the $SoFi Smart Card https://t.co/7tPLvHOIiK"
X Link 2025-12-10T13:29Z [--] followers, [---] engagements
"@Kalshi Its not even worth betting he wont make it it is so far out from now"
X Link 2025-12-10T16:04Z [--] followers, [---] engagements
"10k is very helpful I use it at the beginning of all my research it often allows me to get a more comprehensive view of the company. If there is information on the 10k it is known by the market I want to make sure I am not putting myself at a disadvantage against the other players of the market"
X Link 2025-12-10T20:06Z [--] followers, [--] engagements
"At this point the Bull Market feels almost artificial. But who can even tell the difference between these Right"
X Link 2025-12-10T20:13Z [--] followers, [--] engagements
"@Polymarket Surely some will be bought"
X Link 2025-12-10T23:30Z [--] followers, [---] engagements
"@OpulentVenture Congrats my friend @MarcalCarbo and I made a community for $SEZL a week ago would love to hear your thoughts in the community"
X Link 2025-12-11T21:53Z [--] followers, [---] engagements
"$DAVE and the BNPL industry are being partly held down by the consumer debt crisis. If this market tanks over this later on I see it as a better opportunity to enter BNPL companies. Lending can be more responsible with BNPL than traditional credit. I know one thing BNPL continues to take market share from credit cards it is a matter of time until investor dollars finally realize BNPL as more than a meme. Its easy to say this off a 50% run by $SEZL so we will see if I hold myself to that. https://twitter.com/i/web/status/1999248127052906907 https://twitter.com/i/web/status/1999248127052906907"
X Link 2025-12-11T22:41Z [--] followers, [---] engagements
"@BourbonCap BNPL company ideally $SEZL people underestimate the industry because of the memes but recent performance is very strong"
X Link 2025-12-12T02:01Z [--] followers, [---] engagements
"$SEZL visual for profitability revenue and costs. Got this from Simply Wall St was actually a pretty interesting website. I want to emphasize the increase in advertising spend. $SEZL has had high returns (in large part) from their standardization of fees and addition of On-Demand. Both very important plays in the company's monetization. In my original report a few months ago I was worried about organic growth. To say the least I am a lot less worried now with the growing presence of BNPL across America. MODS growth has been strong since last December to end of Q3 25: [---] - [---] 11% I am"
X Link 2025-12-12T03:04Z [--] followers, [---] engagements
"IMO if your goal is to outperform the market it is hard to do that if you own a bunch of stocks. I would suggest and index fund for anyone who isnt spending hours everyday learning about the markets and the companies in them even then holding just a few stocks only suites certain investors. It is very risky to own [--] stocks but it is easier to outperform the market holding [--] stocks than holding 20"
X Link 2025-12-12T11:38Z [--] followers, [--] engagements
"@wallstengine $UBER is better positioned to adopt Robitaxis at a large scale than any other company. Yet Robos are seen an a disruptor"
X Link 2025-12-12T12:48Z [--] followers, [---] engagements
"@GuyTalksFinance Definitely not Bitcoin has preformed better in the past [--] years than it will for the rest of its life. Not a Bitcoin bear but it is not an essential investment for everyone. Most people should buy a diverse share of equities true money generating assets"
X Link 2025-12-12T13:25Z [--] followers, [--] engagements
"@WatcherGuru Arent they making bitcoin funds"
X Link 2025-12-12T20:03Z [--] followers, [--] engagements
"@Kalshi Margin should be very strong too as revenue is coming from ads and subs. Also cutting 80% of staff"
X Link 2025-12-12T20:15Z [--] followers, [---] engagements
"@Kalshi Insane for equities and the US debt possibly"
X Link 2025-12-12T21:24Z [--] followers, [--] engagements
"If this actually comes to fruition this would be amazing for $SEZL in terms of their line of credit although with rates this low would consumers find BNPL's 0% interest offering less attractive I wonder if this would be a positive or negative for the industry. I lean to + JUST IN: Trump says he wants interest rates at "1% or lower" in [----] JUST IN: Trump says he wants interest rates at "1% or lower" in 2026"
X Link 2025-12-12T21:26Z [--] followers, [---] engagements
"@Ashton_1nvests Small caps more pricing inefficiencies easier companies to understand"
X Link 2025-12-13T02:37Z [--] followers, [--] engagements
"@QualityInvest5 It's crazy to think that everyone in the newest generation uses $SNAP yet they still can't make money"
X Link 2025-12-13T18:57Z [---] followers, [---] engagements
"$PYPL is either trading at or below intrinsic value I just cant decide which it is"
X Link 2025-12-14T05:29Z [--] followers, [---] engagements
"@TheLongInvest Car sector is much different from some of the sectors American dominates though we did just sell our $NVDA chips to them"
X Link 2025-12-14T14:23Z [--] followers, [---] engagements
"@alc2022 The fear is because of the bull market while I dont think it is deserved. we are in a strong bull market"
X Link 2025-12-14T20:12Z [--] followers, [---] engagements
"The BNPL industry poses a lot of interesting players. $KLAR is the one everyone talks about but it isn't profitable. I am not going to go through the guesswork of modeling them Thus the next BNPL I am modeling is $AFRM Don't worry my loyalties still lie with $SEZL just interested in understanding the other players better. https://twitter.com/i/web/status/2000336209864958046 https://twitter.com/i/web/status/2000336209864958046"
X Link 2025-12-14T22:44Z [---] followers, [---] engagements
"@qualtrim $PYPL fascinates me with their buybacks. I think $PYPL correction will be sudden once we realize what we are looking over"
X Link 2025-12-14T23:42Z [--] followers, [----] engagements
"@nikinvestments $KLAR gets all the attention while the other BNPLs are actually building profits. Im excited to add another lender to my watchlist"
X Link 2025-12-15T12:49Z [---] followers, [---] engagements
"$SEZL is repurchasing more shares I am surprised they are returning more capital to shareholders but certainly not opposed. Very excited on what this may hint to for Q4"
X Link 2025-12-15T22:02Z [---] followers, [---] engagements
"Genuine question for Polymarket and Kalshi users Are there actual arbitrage opportunities or is it just gambling. It makes sense there would be opportunity as these are the early days of prediction markets but it still feels fantasized"
X Link 2025-12-16T22:16Z [--] followers, [--] engagements
"@Kalshi Why would they want less money"
X Link 2025-12-16T22:23Z [--] followers, [--] engagements
"BNPL is highly susceptible to weakening consumer credit If a consumer stops using BNPL $AFRM $KLAR and other BNPLs will be severely harmed $SEZL provides much more protection with their sub service. $SEZL has focused on building an environment with MoneyIQ full access to BNPL offerings special cashback opportunities through $SEZL spend credit reporting and more services being developed. For some consumers this is worth more than just the card. https://twitter.com/i/web/status/2002001645513683377 https://twitter.com/i/web/status/2002001645513683377"
X Link 2025-12-19T13:02Z [---] followers, [---] engagements
"Not a lot of people know how to value an AI company Though many analysts know how to value an insurer. That makes me believe price to be more subjective This can create volatility and the type of FOMO like demand that can drive price up. I don't think we are in a bubble but clearly OpenAI is taking advantage. OpenAI targeting an $830B valuation on $13B in revenue https://t.co/PykRusq0p3 OpenAI targeting an $830B valuation on $13B in revenue https://t.co/PykRusq0p3"
X Link 2025-12-19T20:33Z [--] followers, [--] engagements
"I just experienced a man at a restaurant today fully profess his newfound love for the Affirm card to his date: - 0% interest - $12000 limit - He loves $AFRM Safe to say I cared more than she did.😂"
X Link 2025-12-20T02:12Z [--] followers, [---] engagements
"@derekquick1 $UNH so obviously underpriced as a long term holding"
X Link 2025-12-20T04:16Z [--] followers, [---] engagements
"@midascabal $SEZL still trading cheap. Different from all other BNPL's through its subscription based service"
X Link 2025-12-20T17:30Z [--] followers, [----] engagements
"@HolySmokas Differences in goals. One is willing to risk it all the other is living more comfortably. Nothing wrong with either. Most will and should take the second"
X Link 2025-12-21T01:44Z [--] followers, [----] engagements
"@sadly1673029 I am an active investor but I think most people should be passive. Appreciate the recommendation👍🏻"
X Link 2025-12-21T02:25Z [--] followers, [--] engagements
"@StockMKTNewz @fiscal_ai 60% revenue growth in a decade. Explains the horrible price action"
X Link 2025-12-21T13:56Z [--] followers, [--] engagements
"@weary_centurion Done by Christopher Nolan too should be a good one"
X Link 2025-12-21T17:10Z [--] followers, [--] engagements
"Motley posted an article yesterday speaking specifically about $KLAR to comment on BNPL. The excerpt below shows what Motely presented as the bearish perspective (the author says data proves bears appear inaccurate in their claims later in the article.) But the market has done so well in painting BNPL as a villain it is insane to me. At the core BNPL is debt and in many cases more responsible than traditional credit offerings. I use debt EVERYDAY for almost ALL of my purchases as I increase the time value of my money and yield rewards. Many people are in the same boat. If the market sees BNPL"
X Link 2025-12-22T01:47Z [---] followers, [---] engagements
"@KobeissiLetter Active investors are a dying breed. Maybe rightly so. most can't outperform"
X Link 2025-12-22T02:57Z [--] followers, [--] engagements
"@Kalshi Ill miss him"
X Link 2025-12-22T14:57Z [--] followers, [--] engagements
"@HolySmokas Stocks have just begun so much more growth with AI implications and SpaceX on the horizon"
X Link 2025-12-22T21:12Z [--] followers, [---] engagements
"@patientinvestt Goes to show you cant just buy a strong brand at any price"
X Link 2025-12-22T21:13Z [--] followers, [---] engagements
"No way In the ChatGPT review they make an avatar for you. I guess ChatGPT has taken to heart all of my $SEZL research😄 Guess that makes me the $SEZL king now"
X Link 2025-12-23T01:01Z [---] followers, [---] engagements
"@Mr_Derivatives Dont you dare"
X Link 2025-12-23T01:04Z [--] followers, [--] engagements
"@RealJGBanks Thats the craziest one day rally Ive seen in a while"
X Link 2025-12-23T01:06Z [--] followers, [----] engagements
"$SEZL is BNPL company. It operates for consumers that may not have strong access to credit whether this means they are young or in the subprime category. It is different from all of the other BNPL companies because of its sub service. This allows them to profitably offer their BNPL services. The numbers are shocking when you look at them they really feel very undervalued PE of [--] right now. Take a look at their growth metrics https://twitter.com/i/web/status/2003283643427348506 https://twitter.com/i/web/status/2003283643427348506"
X Link 2025-12-23T01:56Z [---] followers, [---] engagements
"I have made a grave mistake with $SEZL In the latest earnings call as we know Youakim stated Sezzle's move to get a banking charter. I concluded this to be a move to make lending more efficient. Yet this banking charter would allow for the introduction of products and services that span far beyond the value offered with just cheaper capital. This banking charter shows the long term mindset that Charlie Youakim has for the company. He isn't just thinking how the company can expand their BNPL offerings but how they can change their financial offerings in the new banking revolution. I have"
X Link 2025-12-23T18:47Z [---] followers, [---] engagements
"$AFRM CEO believes they are the best at underwriting in the industry. When you dont benefit upon customer late fees you ensure your underwriting is stronger as less delinquencies result Excerpt from HD in HD interview on $AFRM s underwriting philosophy w/ CEO Max Levchin"
X Link 2025-12-24T03:20Z [--] followers, [--] engagements
"@BillAckman I'm sad to see him go he has done the same for me"
X Link 2025-12-24T14:19Z [--] followers, [--] engagements
"Ive made [--] total purchases in [----] $UNH @ $250 $SEZL @ $63.64 I missed out on a lot of opportunities but the ones that you take should be hefty bets. Keep researching and take the chance when you have good odds Heres to buying great companies at discounts in the next year 🥂"
X Link 2025-12-24T17:55Z [---] followers, [---] engagements
"It is crazy to me the differences in opinion for the future of the economy. I feel like it comes down to whether you believe in AI being able to start a revolution similar of that of the internet. If you dont believe in these capabilities being bearish is the only other option @pmarca Double-digit growth is coming within [--] to [--] months. If applied intelligence is proxy for economic growth which it should be triple-digit is possible in [--] years. @pmarca Double-digit growth is coming within [--] to [--] months. If applied intelligence is proxy for economic growth which it should be triple-digit is"
X Link 2025-12-24T19:16Z [--] followers, [---] engagements
"@Kalshi The difference of believing in AI and thinking it will fall"
X Link 2025-12-24T19:16Z [--] followers, [--] engagements
"@elonmusk Gemini and ChatGPT"
X Link 2025-12-24T21:29Z [--] followers, [---] engagements
"@TheLongInvest $UNH is integral to American healthcare no matter how hated we need it in this system"
X Link 2025-12-25T16:13Z [--] followers, [---] engagements
"@saylordocs 31M bitcoin * 10M/ coin in never possible unless the dollar turns to dust"
X Link 2025-12-25T22:51Z [--] followers, [----] engagements
"@Kalshi How is that measured"
X Link 2025-12-26T17:06Z [--] followers, [--] engagements
"$SEZL = subscription service providing valuable products and services to members empowering consumers to use smarter credit options and learning how to use credit $AFRM = data giant specializing in underwriting providing powerful information for merchants to build one of the strongest underwriting engines to track responsibility of consumers Both have different ideas and different target markets but I predict both will be massively successful in the BNPL and consumer credit space. https://twitter.com/i/web/status/2004646622639317093 https://twitter.com/i/web/status/2004646622639317093"
X Link 2025-12-26T20:12Z [---] followers, [---] engagements
"@HolySmokas $SOFI and $PYPL look good"
X Link 2025-12-26T20:13Z [--] followers, [---] engagements
"@MarcalCarbo $SEZL PE - [----] $AFRM PE - [---] very true. I wonder if this is because of the data like centric nature of $AFRM business model Also the fact that Max Levchin is so revered. Either way the valuations are out of whack. $AFRM is still way too expensive and $SEZL still way too cheap"
X Link 2025-12-26T20:32Z [---] followers, [--] engagements
"A friend of mine recently inquired about my investments I told him about the BNPL company $SEZL. He laughed "BNPL you know that's a scam right" It's fascinating that BNPL has been painted this way while credit cards are responsible for 1.2T IN DEBT IN AMERICA BNPL is a better product for borrowers: -0% interest -25% down payment (more responsibility needed) -Payments every [--] weeks coinciding with consumer's paychecks. It will take a while for the light to shine through but once it does it will be a flood. https://twitter.com/i/web/status/2004656915964391751"
X Link 2025-12-26T20:53Z [---] followers, [---] engagements
"@HeroDividend More of an Uncertainty indicator"
X Link 2025-12-26T21:08Z [--] followers, [---] engagements
"@BoringBiz_ That may be the most insane headline I've ever seen"
X Link 2025-12-27T01:35Z [--] followers, [---] engagements
"@Kalshi This would be a tragedy"
X Link 2025-12-27T17:04Z [--] followers, [---] engagements
"@SawyerMerritt @grok what are the metrics of safety do we know how many crashes and incidents there have been during the use of FSD supervised"
X Link 2025-12-27T17:31Z [--] followers, [---] engagements
"My total silver collection is as follows: [--] Silver Eagle I got it [--] years ago +450% returns vs +230% returns of S&P [---] I will be opening my hedge fund soon if you are looking for similar returns 😆"
X Link 2025-12-27T20:08Z [--] followers, [--] engagements
"I think next year is going to be a good one for $SEZL $SEZL is setting up for a big time [----]. Just off their initial guidance for the year the company is expecting 30% earnings growth and trades at a [--] Forward P/E. Right now the company has [---] open jobs on their website. The recent Glassdoor reviews all seem positive and $SEZL is setting up for a big time [----]. Just off their initial guidance for the year the company is expecting 30% earnings growth and trades at a [--] Forward P/E. Right now the company has [---] open jobs on their website. The recent Glassdoor reviews all seem positive and"
X Link 2025-12-28T02:52Z [---] followers, [---] engagements
"@KyleAdamsStocks Absolutely The stock is extremely volatile but bears and bulls feel quite balanced. We saw a +20% move directly after earnings but enough bear pressure to push that down at market open. There won't be much the bears can do once earnings come out for the Holidays"
X Link 2025-12-28T02:55Z [---] followers, [---] engagements
"@JuanRodrig07 $PYPL debit card is great just got mine a few weeks ago"
X Link 2025-12-28T03:09Z [--] followers, [---] engagements
"Here are some metrics from $AFRM's shareholder letter -55% growth for BNPL products -74% growth for 0% monthly instalment Even as rates decline demand for these loans intensify Why Because consumers will always want to be charged less AND merchants will always want more sales Consumers are more likely to spend with these services Merchants are fine with higher take rates if it means more sales"
X Link 2025-12-28T16:04Z [---] followers, [---] engagements
"I just wrote an analysis on the products and offerings of $AFRM if you own a BNPL/lending company like $SEZL it is important to understand how the other lenders are preforming in the industry. Strong performance by $AFRM is good for BNPL in general https://open.substack.com/pub/coopercapital/p/the-lender-driving-a-consumer-spendingr=6dhii1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/coopercapital/p/the-lender-driving-a-consumer-spendingr=6dhii1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"
X Link 2025-12-28T16:21Z [---] followers, [---] engagements
"@71boy71 I dont own any $AFRM shares and as of now dont plan to acquire any. I believe it is important to understand how other players in the lending industry are developing in this credit revolution. I do own shares of $SEZL and plan to hold"
X Link 2025-12-28T17:29Z [---] followers, [---] engagements
"$AFRM has a lot in the lending industry. They have access to data unlike any other company. This allows for strong underwriting and merchant integration. To understand how this affects their business model my Substack link is linked below https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1 https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1"
X Link 2025-12-29T22:31Z [---] followers, [--] engagements
"$AFRM has a moat in the lending industry. They have access to data unlike any other company. This allows for strong underwriting and merchant integration. To understand how this affects their business model my Substack article is linked below https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1 https://coopercapital.substack.com/p/affirm-is-not-a-lending-or-transactionsr=6dhii1"
X Link 2025-12-29T22:32Z [---] followers, [---] engagements
"@Kalshi If we are not careful this is what will happen to the US developed countries are experiencing declining birth rates. Because much of the economy is reliant on growing populations this may pose serious concerns"
X Link 2025-12-29T22:45Z [--] followers, [----] engagements
"@rubicon59 $SEZL is an extremely exciting opportunity $SEZL's moat is their deeper consumer connection which allows them to have subscription offerings. BNPL is often talked bad upon but once the value of its offerings are seen valuations should match value"
X Link 2025-12-30T03:37Z [---] followers, [---] engagements
"@Mr_Derivatives There is certainly opportunity yet with $PYPL there are some key catalysts developing I imagine it will take a year or two for them to bring real value though"
X Link 2025-12-30T16:45Z [---] followers, [----] engagements
"At what point does $PYPL have a strong margin of safety I believe Ben Graham said PE's can either reflect the past the present or the future of a company. This valuation feels very past oriented right now. Feels like none of their future initiatives are being priced in"
X Link 2025-12-30T17:47Z [---] followers, [---] engagements
"In addition investor sentiment is very low right now expectations rock bottom. I think this is reflect through the nickname PainPal. This is when a value investor would pick up a security like this imo. Contingent on investors belief $PYPL preform well in their future catalysts"
X Link 2025-12-30T17:49Z [---] followers, [---] engagements
"@Kalshi Yeah I doubt they would be able to offer even relatively close numbers"
X Link 2025-12-30T22:14Z [--] followers, [--] engagements
"From a pure valuation standpoint $UBER looks good. Do Robotaxis pose concerns though And is autonomous the only thing keeping price down @alifarhat79 Yes. It is incredibly cheap. @alifarhat79 Yes. It is incredibly cheap"
X Link 2025-12-31T20:03Z [---] followers, [--] engagements
"@brewmarkets SpaceX IPO does seem very overvalued. But I doubt the market top will happen for a while. AI is going to change the world"
X Link 2026-01-01T18:03Z [---] followers, [---] engagements
"$SEZL I will probably buy more shares if it comes down to $50-55 again. It seems $SEZL does not do well in low volatility. Seems we will have to wait for the next earnings report to get another move like we have seen recently"
X Link 2026-01-01T18:13Z [---] followers, [---] engagements
"@commonsenseplay I just think people don't understand the market cap of $BTC it's just not possible for it to move like it once did"
X Link 2026-01-01T18:17Z [---] followers, [----] engagements
"@silverz1972 @commonsenseplay I would love if that is true I just dont believe it. Debt is climbing so fast and the gov just wouldnt YOLO trillions into the coin. But thats just my opinion🤷"
X Link 2026-01-02T03:08Z [---] followers, [--] engagements
"@weary_centurion You deserve it for all of that $PYPL due diligence you have providing I enjoy reading them thank you"
X Link 2026-01-02T03:13Z [---] followers, [---] engagements
"@willssddd @commonsenseplay Possible but not probable imo. I dont really believe it is money it is so volatile. More of a speculative instrument. I know US dollar is a bad alternative but thats why most of my money is invested in equities. I mean its only been around for like [--] years so well see"
X Link 2026-01-02T03:19Z [---] followers, [---] engagements
"@FischerJiriML @GooglePlay @Apple You should take a look at $SEZL my friend. Interesting company. I think you will enjoy the research"
X Link 2026-01-02T03:40Z [---] followers, [---] engagements
"Well the big money has been made. 10x obviously very strong but that wont come for years and maybe decades. The run of crypto has been strong bc of rapid adoption. That just isnt the case anymore. We need big players to pump money in it to gain value but in reality it is more of a speculative tool than an investment Also my claim is that it is impossible for it to move like it once did you cannot disagree with that"
X Link 2026-01-02T04:44Z [---] followers, [---] engagements
"@daman4545 @phishark_ @commonsenseplay I dont think Big money is done w BTC in fact this is probably the best time to get into it. But it just cant and wont preform the same as it has"
X Link 2026-01-02T04:45Z [---] followers, [--] engagements
"Am I the only one who thinks $DAVE looks attractive here. They are growing so fast it is insane. They are a pretty trendy stock right now as well kind of weird they are trading like this with the growth they have experienced"
X Link 2026-01-02T18:16Z [---] followers, [---] engagements
"@Florio32081 @dividenddude maybe so I think it can be good but it will take decades. We all know how Musk is😄. I imagine the market will put the shares on discount before this happens"
X Link 2026-01-03T02:23Z [---] followers, [--] engagements
"@KyleAdamsStocks Just roll it forward into some $SEZL haha"
X Link 2026-01-03T17:39Z [---] followers, [---] engagements
"Nothing important I changed the name of this account just because I think what I am doing with the account has changed since its inception. Currently I am focusing on companies ideas and financial situations that most people overlook. Especially $SEZL from CooperCapital"
X Link 2026-01-05T01:58Z [---] followers, [---] engagements
"$SEZL More institutional buying today Im not a technical guy but price doesnt seem to want to go below [--] again I feel strong buying in the 50s if it comes back down before earnings. I doubt 50s will be a reasonable once Q4 is out"
X Link 2026-01-05T15:10Z [---] followers, [---] engagements
"When is $PYPL just too cheap to pass up"
X Link 2026-01-05T15:13Z [---] followers, [---] engagements
"@P14Capital $SEZL has the stronger monetization model. Look into the their subscriptions they offer a lot more value than other BNPL counterparts"
X Link 2026-01-05T23:05Z [---] followers, [---] engagements
"Interview with the $SEZL CEO if you are an investor make sure to tune in Excited to announce that @KyleAdamsStocks and I will be interviewing the CEO of Sezzle $SEZL on Thursday January [--] at 1:00pm EST on X Spaces. Click the link below to reserve your spot. https://t.co/d6j3p3tqFv https://t.co/RvNMYDJBtK Excited to announce that @KyleAdamsStocks and I will be interviewing the CEO of Sezzle $SEZL on Thursday January [--] at 1:00pm EST on X Spaces. Click the link below to reserve your spot. https://t.co/d6j3p3tqFv https://t.co/RvNMYDJBtK"
X Link 2026-01-06T13:45Z [---] followers, [---] engagements
"$PYPL is a high yield bond. The companyhas been returning large amounts of money to shareholders over the last few years This year dwarves them by far. They already have a dividend yield of 1% and a share buyback yield of 10% and as cash flow increases for [----] and [----] I only see that increasing My belief is that by buying shares in paypal I will have better returns on my capital than a MMF. I want yields on cash in this environment with lower rates. The downside is very limited with $PYPL and the upside. It has to be more than 3-4% Agentic ads PYPL world crypto venmo. I haven't made a"
X Link 2026-01-07T00:30Z [---] followers, [---] engagements
"I'm going to start taking a look at $KLAR today to scope out competition for $SEZL. $AFRM and $SEZL are the real leaders of the BNPL revolution but for some reason $KLAR continues to be the face. I hope to find out why and the reason for this price action"
X Link 2026-01-07T21:22Z [---] followers, [---] engagements
"@LincolnCarter0 Very true. I am a $PYPL optimist but not a shareholder yet. I feel there are better opportunities in the finance sector right now especially consumer credit. Once catalysts materialize there will be some exciting opportunities though"
X Link 2026-01-08T15:19Z [---] followers, [---] engagements
"$SEZL has an extremely unique hiring practice where they require IQ tests and find GPAs of possible hires. They want you to be in the top 10% of both of these categories. This means you have high horsepower and are able to do projects that you maybe didnt want to do. These employees drive value for the company while not having too many workers at the firm becoming oversaturated"
X Link 2026-01-08T20:25Z [---] followers, [---] engagements
"Lastly the question about short interest. Interesting ideas from Charlie as to why there is this short interest possibly as a hedge against an other positions in BNPL or against the larger economy. I believe hedges against $SEZL are major mistakes as funds demand shares in larger BNPLs. $SEZL is bringing value to shareholders like no other company and Charlie is fixed on that. The shorts will regret trying to hedge with $SEZL if this is the case. https://twitter.com/i/web/status/2009360848427602207 https://twitter.com/i/web/status/2009360848427602207"
X Link 2026-01-08T20:25Z [---] followers, [---] engagements
"$PYPL is picking up LLM partnerships like their Pokmon No more bouncing between pages to buy something. Copilot Checkout with @Microsoft and @PayPal keeps it seamless. 🛍 No more bouncing between pages to buy something. Copilot Checkout with @Microsoft and @PayPal keeps it seamless. 🛍"
X Link 2026-01-08T23:13Z [---] followers, [---] engagements
"@GregtheNorth @BillAckman @realDonaldTrump Visa is a processor"
X Link 2026-01-10T03:44Z [---] followers, [---] engagements
"@GregtheNorth @BillAckman @realDonaldTrump Here is the statement from their annual report. Below is the margins of an actual lender American Express. As you can see the margins are much lower not to mention they have some of the best lenders and even charge annual fees for their cards"
X Link 2026-01-10T03:54Z [---] followers, [---] engagements
"If i am the average American then I go and take advantage of this low interest rate. Go out buy a ton of things and then one year from now when the rates are back up there and I still have a large balance on the card (because why would I prioritize paying down the card). I have way too much money in debt sitting at 20-30% compounding against me. Why are we touching credit when it is currently working Let natural competition fight credit like BNPL options. Don't make some rule that Americans don't NEED (I feel this is evident by record numbers during the holidays) to try and protect us from"
X Link 2026-01-10T04:11Z [---] followers, [---] engagements
"It is a very interesting difference. They try and pass off this difference in reporting through them being a "banking network" I dont like this way of reporting for a lender though for obvious reasons. I am still early in the game for researching $KLAR though I dont like this game they are playing with their accounting https://twitter.com/i/web/status/2010097361322955116 https://twitter.com/i/web/status/2010097361322955116"
X Link 2026-01-10T21:12Z [---] followers, [---] engagements
"Very true but generally I believe GMV is a metric to measure the success of merchants rather than the company Though when merchants are successful and consumers are strong they bode success. $KLAR take rate just isnt very strong right now imo Though they do have several high value partnerships that may bode well for the long term Price of the company seems attractive right now just need to study fundamentals though I dont appreciate the type of accounting that was used for $KLAR active members https://twitter.com/i/web/status/2010129637763149842"
X Link 2026-01-10T23:20Z [---] followers, [---] engagements
"$SEZL GMV: 3.6B market cap: $2.6B $AFRM GMV: 39B market cap: $27B $KLAR GMV: 118B market cap: $11.5B Gross Merchandising Volume does not indicate the success of a BNPL rather what you do with that GMV. GMV is best a predictor of the success of merchants"
X Link 2026-01-11T13:55Z [---] followers, [---] engagements
"Yes I was noticing that during the research of $AFRM BUT most interesting part $SEZL is also 1/10 the amount of members The best part Neither measure users in the same way $KLAR does both only count once you make a transaction"
X Link 2026-01-11T15:32Z [---] followers, [---] engagements
"Lots of attention coming towards BNPL bc of Trumps proposal. For those getting into BNPL: $KLAR is the face of BNPL but not the best option $AFRM is an extreme underwriting engine specializing in accuracy $SEZL is the biggest winner growing fast profitably 🚨 BREAKING https://t.co/rqOrjP4EZ1 🚨 BREAKING https://t.co/rqOrjP4EZ1"
X Link 2026-01-11T18:49Z [---] followers, [---] engagements
"Map of where $KLAR is operating. South America looks bright for $SEZL if LATAM turns out to be true"
X Link 2026-01-11T21:13Z [---] followers, [----] engagements
"@AverageDipBuyer SoFi seems like they would be a beneficiary. There are other sectors that I am interested in that I think have longer term benefits in this environment like BNPL"
X Link 2026-01-11T22:35Z [---] followers, [---] engagements
"@FischerJiriML Oh I see now"
X Link 2026-01-11T23:10Z [---] followers, [--] engagements
"I love buying companies that are hated by others or looked down on. With Klarnas current price action it may fit the criteria but I am still researching it will likely take me a few weeks. BNPL is an extremely underestimated rapidly accelerating industry I think most players will win though some more than others I will continue to analyze $KLAR if I think they can pick up their take rate (what I have identified so far as the main weak point) or do other things to bring their business to strong profitability then I will surely invest. The problem with most BNPL models is that monetization"
X Link 2026-01-11T23:48Z [---] followers, [---] engagements
"Which Klarna membership would you pick I'll give you my answer: none of the above. The problem here is that their subscription isn't really giving me any value that I have beyond my credit card. Now I know what your thinking "you're a $SEZL investor so you believe in the sub model" What $SEZL provides you through their sub is credit building. $KLAR does offer credit building opportunities but not through their BNPL products. $SEZL through its sub is an opportunity for young consumers and those with less credit access to get into the game. Youakim even said he wouldn't let his son use it until"
X Link 2026-01-12T20:52Z [---] followers, [---] engagements
"Interesting how market clearly deemed Trump announcement bullish for all BNPL which then proceeded to go red one hour into trading If there was no chance for this announcement to materialize then it would be neutral Short term price action continues to have more influence than fundamentals soon it wont be this way DANG I guess the market deemed the Trump stuff bullish for $SEZL https://t.co/CnNVkOTtJn DANG I guess the market deemed the Trump stuff bullish for $SEZL https://t.co/CnNVkOTtJn"
X Link 2026-01-13T01:41Z [---] followers, [---] engagements
"@BarnieTaintpipe Looking at $KLAR right now $DAVEs price is attractive right now. Is it good at these levels"
X Link 2026-01-13T13:59Z [---] followers, [---] engagements
"Everyone likes $PYPL because of how cheap it is but take a look at [----] [----] [----] [----] earnings. All the same income Dont use [----] earnings were depressed [----] is looking much better Wall Street asks wether this trend can continue after not growing for years"
X Link 2026-01-13T14:53Z [---] followers, [---] engagements
"@invertiramateur @KyleAdamsStocks @MarcalCarbo The growth of $SEZL is staggering definitely the best opportunity in BNPL imo the subscription model is unbeaten"
X Link 2026-01-13T21:35Z [---] followers, [---] engagements
"$DAVE crashed hard today. Really annoyed it chose now I got tons of work to do no time for due diligence. I have a strong feeling it wont stay at these levels until the weekend. If it does it will be a fun weekend"
X Link 2026-01-14T20:14Z [---] followers, [---] engagements
"@Globalflows You forgot about inflation my friend"
X Link 2026-01-16T13:39Z [---] followers, [---] engagements
"@ATabarrok AI already is taking over jobs at places like Klarna it certainly will in the longer run maybe 3-5 years think of how far we got since 2022"
X Link 2026-01-17T03:48Z [---] followers, [---] engagements
"I accumulated $ASTS at [--] over a year ago figured it would be a fun long term speculative play turns out it was but I sold at [--] as I figured that the SpaceX hype would die down before they went public as people realize this does not change the fundamental of ASTS Bit early"
X Link 2026-01-17T03:54Z [---] followers, [---] engagements
"@invertiramateur $PYPL looks so well poised catalysts just have to come in now"
X Link 2026-01-17T04:05Z [---] followers, [---] engagements
"The short squeeze is going to be insane Sezzle getting on the rankings $SEZL Sezzle getting on the rankings $SEZL"
X Link 2026-01-17T21:20Z [---] followers, [---] engagements
"@JuanRodrig07 @acce for many kids their school kinda becomes their identity this is a great idea from $PYPL"
X Link 2026-01-17T21:22Z [---] followers, [---] engagements
"Yes I am aware this is why I believe the company is currently driven upon emotion. What I believe to possibly happen is an overcorrection by the market especially once holiday earnings come out. Fair financing likely would have been used aggressively during this time period. Provisions will soar and price may plummet. This is just a thought but if this were to happen it would provide an extremely attractive entry on the company https://twitter.com/i/web/status/2012936670060929073 https://twitter.com/i/web/status/2012936670060929073"
X Link 2026-01-18T17:14Z [---] followers, [--] engagements
"@FischerJiriML @Klarna Yeah looks like things got tough for them last Q"
X Link 2026-01-18T18:16Z [---] followers, [--] engagements
"BNPL is growing everywhere Buy Now Pay Later https://t.co/olEv7gCZc3 @Klarna $KLAR @klarnaseb https://t.co/gJojJEoji1 Buy Now Pay Later https://t.co/olEv7gCZc3 @Klarna $KLAR @klarnaseb https://t.co/gJojJEoji1"
X Link 2026-01-18T19:54Z [---] followers, [--] engagements
"EVERYTHING you need to know about $SEZL. I made this for those who are looking for their next investment or those who wish to broaden your knowledge on the company Also contains personal insights beyond financials. Put on 2x speed and enjoy😁 https://youtu.be/B5kfsokLsk8 https://youtu.be/B5kfsokLsk8"
X Link 2026-01-22T00:08Z [---] followers, [----] engagements
"@DudeWhoInvests Im thinking about exiting bought at [---] and feel like we got a good portion of the rim for a while think it is time to move on better opportunities out there"
X Link 2026-01-22T13:07Z [---] followers, [--] engagements
"But I learned how to play chess because it is a game and I enjoy playing I dont find learning language to be a game but rather a skill focused entirely on increasing your value as a person but this disappears once I dont need to be able to speak in other languages myself anymore I understand others likely find the process fun but certainly not $DUOLs entire customer base. In the longer run I feel like it is going to be phased out some will learn languages because they enjoy it but the audience will grow increasingly smaller. $DUOL may make sense as a trade from a valuation perspective but I"
X Link 2026-01-22T15:00Z [---] followers, [---] engagements
"@wansaneb16 @DudeWhoInvests Yeah and this is what I am realizing $UNH is a great position but it is going to take years to realize where it is at. On the other hand companies like $SEZL may be close to realizing their values"
X Link 2026-01-22T15:01Z [---] followers, [---] engagements
"I used duol 2-3 years ago to learn begin learning German. I stopped because I just found it to not be useful. My case was because I live in America so not much use here. The modern argument is AI is just going to make learning language not as much use right Everyone starts Duolingo because they go to broaden their horizons and believe they are learning a skill that is actually useful. Once they realize that it takes a TON of commitment to become bilingual and believing they could just spend [--] min a day to learn a language they quit More people will quit as these skill become less useful"
X Link 2026-01-22T15:35Z [---] followers, [--] engagements
"@weary_centurion I do find it suspicious that nothing is being priced in It did make me think they are seeing something we dont But maybe they are just overlooking the opportunity here"
X Link 2026-01-24T15:49Z [---] followers, [---] engagements
"@Kalshi Because there is not nearly enough volume on these exchanges to make enough money Even if more hedge funds adopt this it will just be smart money vs smart money more foolish money in the markets than on Kalshi"
X Link 2026-01-24T19:36Z [---] followers, [---] engagements
"I am going to be making a video on the $DAVE. $DAVE is priced so attractively it is kind of hard not to be bullish but there is a reason why it is being priced that way The reason are the lawsuits out against them. If you understand them you understand the pricing. The lawsuits could materially impact the future of their business. The video will be out within the next few days. https://twitter.com/i/web/status/2015271226407530972 https://twitter.com/i/web/status/2015271226407530972"
X Link 2026-01-25T03:51Z [---] followers, [--] engagements
"WOW A BLATANT difference in how $KLAR and $SEZL report active consumers. By just logging into the Klarna app you are counted as an active consumer On Sezzle you actually have to make a purchase"
X Link 2026-01-10T20:21Z [---] followers, [----] engagements
Topic Creators
https://lunarcrush.com/api4/public/topic/:topic/creators/v1
Get the top creators for a social topic
input parameters:
- topic: Provide the topic to get details for. A topic must be all lower case and can only include letters, numbers, spaces, # and $. required
Example request:
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/topic/bitcoin/creators/v1
Example response:
{
"data": [
{
"creator_id": "twitter::1605310254085980161",
"creator_name": "Bitcoin_Teddy",
"creator_avatar": "https://pbs.twimg.com/profile_images/1739753415134138368/FrWHMAnb_200x200.jpg",
"creator_followers": 74293,
"creator_rank": 1,
"interactions_24h": [-------]
}
]
}
Schema:
- creator_id: The [network]::[unique_id] for the influencer
- creator_name: The unique screen name for the influencer
- creator_avatar: The URL to the avatar for the creator
- creator_followers: number of followers the account has
- creator_rank: ranking based on all posts in the last [--] hours that have interactions
- interactions_24h: Number of interactions in the last [--] hours
Category Creators
https://lunarcrush.com/api4/public/category/:category/creators/v1
Get the top creators for a social category
input parameters:
- category: Provide the category to get details for. A category must be all lower case and can only include letters, numbers, and spaces. required
Example request:
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/category/musicians/creators/v1
Example response:
{
"data": [
{
"creator_id": "youtube::undefined",
"creator_name": "airshowfansh",
"creator_avatar": "https://yt3.ggpht.com/cUuwxYNRoYoO_rnBAgPbze39nOMI_rUq0pVmHiM-Fz40TsRDmv8gZcUxvqxLF_bsGzhdVu4u9A=s88-c-k-c0x00ffffff-no-rj",
"creator_followers": 79600000,
"creator_rank": 1,
"interactions_24h": [---------]
}
]
}
Schema:
- creator_id: The [network]::[unique_id] for the influencer
- creator_name: The unique screen name for the influencer
- creator_avatar: The URL to the avatar for the creator
- creator_followers: number of followers the account has
- creator_rank: ranking based on all posts in the last [--] hours that have interactions
- interactions_24h: Number of interactions in the last [--] hours
Creators List
https://lunarcrush.com/api4/public/creators/list/v1
Get a list of trending social creators over all of social based on interactions. To get lists of creators by category or topic see the topics and categories endpoints.
Example request:
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creators/list/v1
Example response:
{
"data": [
{
"creator_name": "elonmusk",
"creator_display_name": "Elon Musk",
"creator_id": "44196397",
"creator_network": "twitter",
"creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
"creator_followers": 234295750,
"creator_posts": 3649,
"creator_rank": 1,
"interactions_24h": [---------]
}
]
}
Schema:
- creator_name: The unique screen name for the influencer
- creator_display_name: The chosen display name for the influencer if available
- creator_id: The [network]::[unique_id] for the influencer
- creator_network: The social network for the post or influencer. We still refer to x as twitter out of developer preference.
- creator_avatar: The URL to the avatar for the creator
- creator_followers: number of followers the account has
- creator_posts: total number of posts with interactions in the last [--] hours
- creator_rank: ranking based on all posts in the last [--] hours that have interactions
- interactions_24h: Number of interactions in the last [--] hours
Creator
https://lunarcrush.com/api4/public/creator/:network/:id/v1
Get detail information on a specific creator
input parameters:
- network: Provide the network for the creator. One of twitter, youtube, instagram, reddit, or tiktok required
- id: Provide the unique ID or screen name of the creator required
Example request:
curl -H "Authorization: Bearer <API_KEY>" https://lunarcrush.com/api4/public/creator/twitter/elonmusk/v1
Example response:
{
"data": {
"creator_id": "twitter::44196397",
"creator_name": "elonmusk",
"creator_display_name": "Elon Musk",
"creator_avatar": "https://pbs.twimg.com/profile_images/2008546467615580160/57KcqsTA_200x200.jpg",
"creator_followers": 234296337,
"creator_rank": 2,
"interactions_24h": 318539577,
"topic_influence": [
{
"topic": "in the",
"count": 294,
"percent": 5.88,
"rank": [--]
}
],
"top_community": [
{
"creator_name": "grok",
"creator_display_name": "Grok",
"creator_avatar": "https://pbs.twimg.com/profile_images/1893219113717342208/Vgg2hEPa_200x200.jpg",
"count": [---]
}
]
}
}
Schema:
- creator_id: The [network]::[unique_id] for the influencer
- creator_name: The unique screen name for the influencer
- creator_display_name: The chosen display name for the influencer if available
- creator_avatar: The URL to the avatar for the creator
- creator_followers: number of followers the account has
- creator_rank: ranking based on all posts in the last [--] hours that have interactions
- interactions_24h: Number of interactions in the last [--] hours
- topic_influence: an array of social topics and the creators ranking on each topic
- topic: LunarCrush social topic. Can only includes letters, numbers, spaces, #, and $
- top_community: an array of the top accounts that have recently mentioned this creator or that this creator has mentioned
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing