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# ![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1772979661300965376.png) @MontanaMatos TheNewRich

TheNewRich posts on X about $wise, $wisel, swift, money the most. They currently have XXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/twitter::1772979661300965376/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1772979661300965376/c:line/m:interactions.svg)

- X Week XXXXXX +302%
- X Month XXXXXX -XX%
- X Months XXXXXX +31,517%

### Mentions: XX [#](/creator/twitter::1772979661300965376/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1772979661300965376/c:line/m:posts_active.svg)

- X Months XX +4,900%

### Followers: XXX [#](/creator/twitter::1772979661300965376/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1772979661300965376/c:line/m:followers.svg)

- X Week XXX +10%
- X Month XXX +35%
- X Months XXX +763%

### CreatorRank: XXXXXXX [#](/creator/twitter::1772979661300965376/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1772979661300965376/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1772979661300965376/influence)
---

**Social category influence**
[cryptocurrencies](/list/cryptocurrencies)  [finance](/list/finance)  [stocks](/list/stocks)  [technology brands](/list/technology-brands)  [countries](/list/countries) 

**Social topic influence**
[$wise](/topic/$wise) #2, [$wisel](/topic/$wisel) #2, [swift](/topic/swift), [money](/topic/money), [longterm](/topic/longterm), [saving](/topic/saving), [morgan stanley](/topic/morgan-stanley), [$googl](/topic/$googl), [currencies](/topic/currencies), [hims](/topic/hims)

**Top assets mentioned**
[Wise (WISE)](/topic/$wise) [Morgan Stanley (MS)](/topic/morgan-stanley) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [ZetaChain (ZETA)](/topic/$zeta) [Duolingo, Inc. Class A Common Stock (DUOL)](/topic/$duol) [PayPal Holdings Inc (PYPL)](/topic/$pypl)
### Top Social Posts [#](/creator/twitter::1772979661300965376/posts)
---
Top posts by engagements in the last XX hours

"2/ $WISE $WISE.L The mission is clear: Make international money as simple cheap and transparent as domestic money. In FY2025 Wise moved 145B for 15.6M customers saving them 2B in hidden fees. Theyre replacing SWIFT with something better"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405832590172621) 2025-07-24 15:32:04 UTC XXX followers, XXX engagements


"9/ $WISE $WISE.L Then theres Wise Platform their B2B engine. It lets banks and apps embed Wise directly. Morgan Stanley Google Pay Monzo and N26 already use it. Infrastructure as a product. Growth without CAC. Margins without noise"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405846217552355) 2025-07-24 15:32:08 UTC XXX followers, XXX engagements


"13/ $WISE $WISE.L In short A profitable compounder with infrastructure advantage global ambition and founder ownership (18.4%). And it's trading at 2.3x cash from operations. High-quality misunderstood and potentially undervalued"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405853746245871) 2025-07-24 15:32:09 UTC XXX followers, XXX engagements


"6/ $WISE $WISE.L Wise is no longer just a remittance app. The Wise Account lets users hold convert spend and invest in 40+ currencies. It already makes up XX% of revenue. Customer balances hit 21.5B. YoY growth: +33%. Higher LTV. Lower margin pressure"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405840496529821) 2025-07-24 15:32:06 UTC XXX followers, XX engagements


"5/ $WISE $WISE.L The TAM Around XX trillion per year. Wise has less than XXX% market share. Even with a better faster cheaper product were still early. Thats what asymmetric opportunities look like"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405838575493585) 2025-07-24 15:32:06 UTC XXX followers, XX engagements


"12/ $WISE $WISE.L What could go wrong Regulation Big Tech competition Market misperception (low take rate) Execution risk But the moat is hard to copy. And incumbents dont even want to try"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405851892445226) 2025-07-24 15:32:09 UTC XXX followers, XX engagements


"Just when $HIMS was about to touch $XX boom. One of those magical market moments ๐Ÿ˜‚ Im sure its purely accidental"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948786200883368269) 2025-07-25 16:43:31 UTC XXX followers, XX engagements


"7/ $WISE $WISE.L And theyre profitable: Gross margin: XX% Pre-tax profit: +17% YoY Free cash flow: 332M Cash: 1.3B All while investing aggressively. PBT margin target: 1316% Growth and profits rarely found together"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405842421678487) 2025-07-24 15:32:07 UTC XXX followers, XX engagements


"1/ $WISE $WISE.L Wise isnt just a money transfer app. Its an invisible infrastructure that could move trillions and become the global money network. While banks and fintechs build flashy interfaces Wise is rebuilding the system from scratch. ๐Ÿงต Heres why its at the top of my watchlist:"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405830195335587) 2025-07-24 15:32:04 UTC XXX followers, 1322 engagements


"11/ $WISE $WISE.L The long-term vision: We move 145B today. Were building a network to move trillions. Wise CEO Low marginal cost CBDC & crypto-ready Global scale via software Sounds like fiction. But its already underway"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405850000838863) 2025-07-24 15:32:08 UTC XXX followers, XX engagements


"This month I published X new Deep Dives all completely free to read on my Substack (link in bio): ๐Ÿ” $DUOL The Duolingo Moat ๐Ÿ“ฒ $ZETA Fintech Under the Radar ๐ŸŒ $WISE The Invisible Infrastructure Moving Trillions If youre into deep research and long-term investing youll enjoy these"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948458668489671160) 2025-07-24 19:02:01 UTC XXX followers, XXX engagements


"$WISE $WISE.L The company is growing in volume revenue and customer loyalty a powerful combination for compounding"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1947401774803128455) 2025-07-21 21:02:18 UTC XXX followers, XXX engagements


"4/ $WISE $WISE.L Most fintechs ride on top of legacy rails. Wise is the rail. Theyre directly integrated with systems like PIX (Brazil) or InstaPay (Philippines). Today XX% of transfers are completed in under XX seconds. This is real infrastructure. Not just UX"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405836671320473) 2025-07-24 15:32:05 UTC XXX followers, XXX engagements


"3/ $WISE $WISE.L The model is counterintuitive: The more they grow the lower the margin. In X years take rate fell from XXXX% to XXXX% while volume exploded. They share operational efficiencies with the customer and customers respond with loyalty"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405834595115252) 2025-07-24 15:32:05 UTC XXX followers, XXX engagements


"Wise is a new infrastructure. $WISE $WISE.L"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948666019616104845) 2025-07-25 08:45:58 UTC XXX followers, XXX engagements


"$WISE vs $PYPL : Its not even close. PayPal built a nice interface. Wise is rebuilding the global money network from scratch. Heres why Wise wins and its not just price: 1.โœ… Real Infrastructure Wise isnt using SWIFT. It built its own rails. 2.๐Ÿ’ธ Real Price Wise charges 0.53%. PayPal Up to 6%. 3.โšก Real Speed XX% of transfers arrive in under XX seconds. PayPal Still waiting 4.๐ŸŒ Global by Design Wise is cross-border native. PayPal is local-first global-second. This isnt UI vs UI. Its UI vs Infra. And infra always wins in the long run. ๐Ÿง  Read the Deep Dive (link in bio)"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948679760755749292) 2025-07-25 09:40:34 UTC XXX followers, XXX engagements


"10/ $WISE $WISE.L The competition Banks: stuck with SWIFT slow to move Fintechs: sleek UX zero infrastructure Remitly/WU: costly agent networks limited product innovation Wise blends the best of all worlds and does it with high margins"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405848021070254) 2025-07-24 15:32:08 UTC XXX followers, XX engagements


"8/ $WISE $WISE.L A major catalyst is coming: Wise plans to move its primary listing to the US. Higher liquidity Greater institutional visibility Potential multiple expansion More importantly: global ambitions no excuses"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405844355293616) 2025-07-24 15:32:07 UTC XXX followers, XX engagements


"$WISE $WISE.L Deep Dive is now live link in my bio"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948418081518158204) 2025-07-24 16:20:45 UTC XXX followers, XXX engagements


"14/ $WISE $WISE.L If you found this thread valuable I wrote a full deep dive on Substack with more detail visuals and context. Read it all here ๐Ÿ‘‰"  
![@MontanaMatos Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1772979661300965376.png) [@MontanaMatos](/creator/x/MontanaMatos) on [X](/post/tweet/1948405856653000931) 2025-07-24 15:32:10 UTC XXX followers, XXX engagements

[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

@MontanaMatos Avatar @MontanaMatos TheNewRich

TheNewRich posts on X about $wise, $wisel, swift, money the most. They currently have XXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

Engagements: XXXXX #

Engagements Line Chart

  • X Week XXXXXX +302%
  • X Month XXXXXX -XX%
  • X Months XXXXXX +31,517%

Mentions: XX #

Mentions Line Chart

  • X Months XX +4,900%

Followers: XXX #

Followers Line Chart

  • X Week XXX +10%
  • X Month XXX +35%
  • X Months XXX +763%

CreatorRank: XXXXXXX #

CreatorRank Line Chart

Social Influence #


Social category influence cryptocurrencies finance stocks technology brands countries

Social topic influence $wise #2, $wisel #2, swift, money, longterm, saving, morgan stanley, $googl, currencies, hims

Top assets mentioned Wise (WISE) Morgan Stanley (MS) Alphabet Inc Class A (GOOGL) Hims & Hers Health, Inc. (HIMS) ZetaChain (ZETA) Duolingo, Inc. Class A Common Stock (DUOL) PayPal Holdings Inc (PYPL)

Top Social Posts #


Top posts by engagements in the last XX hours

"2/ $WISE $WISE.L The mission is clear: Make international money as simple cheap and transparent as domestic money. In FY2025 Wise moved 145B for 15.6M customers saving them 2B in hidden fees. Theyre replacing SWIFT with something better"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:04 UTC XXX followers, XXX engagements

"9/ $WISE $WISE.L Then theres Wise Platform their B2B engine. It lets banks and apps embed Wise directly. Morgan Stanley Google Pay Monzo and N26 already use it. Infrastructure as a product. Growth without CAC. Margins without noise"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:08 UTC XXX followers, XXX engagements

"13/ $WISE $WISE.L In short A profitable compounder with infrastructure advantage global ambition and founder ownership (18.4%). And it's trading at 2.3x cash from operations. High-quality misunderstood and potentially undervalued"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:09 UTC XXX followers, XXX engagements

"6/ $WISE $WISE.L Wise is no longer just a remittance app. The Wise Account lets users hold convert spend and invest in 40+ currencies. It already makes up XX% of revenue. Customer balances hit 21.5B. YoY growth: +33%. Higher LTV. Lower margin pressure"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:06 UTC XXX followers, XX engagements

"5/ $WISE $WISE.L The TAM Around XX trillion per year. Wise has less than XXX% market share. Even with a better faster cheaper product were still early. Thats what asymmetric opportunities look like"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:06 UTC XXX followers, XX engagements

"12/ $WISE $WISE.L What could go wrong Regulation Big Tech competition Market misperception (low take rate) Execution risk But the moat is hard to copy. And incumbents dont even want to try"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:09 UTC XXX followers, XX engagements

"Just when $HIMS was about to touch $XX boom. One of those magical market moments ๐Ÿ˜‚ Im sure its purely accidental"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-25 16:43:31 UTC XXX followers, XX engagements

"7/ $WISE $WISE.L And theyre profitable: Gross margin: XX% Pre-tax profit: +17% YoY Free cash flow: 332M Cash: 1.3B All while investing aggressively. PBT margin target: 1316% Growth and profits rarely found together"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:07 UTC XXX followers, XX engagements

"1/ $WISE $WISE.L Wise isnt just a money transfer app. Its an invisible infrastructure that could move trillions and become the global money network. While banks and fintechs build flashy interfaces Wise is rebuilding the system from scratch. ๐Ÿงต Heres why its at the top of my watchlist:"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:04 UTC XXX followers, 1322 engagements

"11/ $WISE $WISE.L The long-term vision: We move 145B today. Were building a network to move trillions. Wise CEO Low marginal cost CBDC & crypto-ready Global scale via software Sounds like fiction. But its already underway"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:08 UTC XXX followers, XX engagements

"This month I published X new Deep Dives all completely free to read on my Substack (link in bio): ๐Ÿ” $DUOL The Duolingo Moat ๐Ÿ“ฒ $ZETA Fintech Under the Radar ๐ŸŒ $WISE The Invisible Infrastructure Moving Trillions If youre into deep research and long-term investing youll enjoy these"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 19:02:01 UTC XXX followers, XXX engagements

"$WISE $WISE.L The company is growing in volume revenue and customer loyalty a powerful combination for compounding"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-21 21:02:18 UTC XXX followers, XXX engagements

"4/ $WISE $WISE.L Most fintechs ride on top of legacy rails. Wise is the rail. Theyre directly integrated with systems like PIX (Brazil) or InstaPay (Philippines). Today XX% of transfers are completed in under XX seconds. This is real infrastructure. Not just UX"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:05 UTC XXX followers, XXX engagements

"3/ $WISE $WISE.L The model is counterintuitive: The more they grow the lower the margin. In X years take rate fell from XXXX% to XXXX% while volume exploded. They share operational efficiencies with the customer and customers respond with loyalty"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:05 UTC XXX followers, XXX engagements

"Wise is a new infrastructure. $WISE $WISE.L"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-25 08:45:58 UTC XXX followers, XXX engagements

"$WISE vs $PYPL : Its not even close. PayPal built a nice interface. Wise is rebuilding the global money network from scratch. Heres why Wise wins and its not just price: 1.โœ… Real Infrastructure Wise isnt using SWIFT. It built its own rails. 2.๐Ÿ’ธ Real Price Wise charges 0.53%. PayPal Up to 6%. 3.โšก Real Speed XX% of transfers arrive in under XX seconds. PayPal Still waiting 4.๐ŸŒ Global by Design Wise is cross-border native. PayPal is local-first global-second. This isnt UI vs UI. Its UI vs Infra. And infra always wins in the long run. ๐Ÿง  Read the Deep Dive (link in bio)"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-25 09:40:34 UTC XXX followers, XXX engagements

"10/ $WISE $WISE.L The competition Banks: stuck with SWIFT slow to move Fintechs: sleek UX zero infrastructure Remitly/WU: costly agent networks limited product innovation Wise blends the best of all worlds and does it with high margins"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:08 UTC XXX followers, XX engagements

"8/ $WISE $WISE.L A major catalyst is coming: Wise plans to move its primary listing to the US. Higher liquidity Greater institutional visibility Potential multiple expansion More importantly: global ambitions no excuses"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:07 UTC XXX followers, XX engagements

"$WISE $WISE.L Deep Dive is now live link in my bio"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 16:20:45 UTC XXX followers, XXX engagements

"14/ $WISE $WISE.L If you found this thread valuable I wrote a full deep dive on Substack with more detail visuals and context. Read it all here ๐Ÿ‘‰"
@MontanaMatos Avatar @MontanaMatos on X 2025-07-24 15:32:10 UTC XXX followers, XXX engagements

creator/x::MontanaMatos
/creator/x::MontanaMatos