# ![@PhilipErik125 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1536461940574154752.png) @PhilipErik125 Philip Eriksson

Philip Eriksson posts on X about $xyz, bitcoin, xyz, china the most. They currently have [---] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::1536461940574154752/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1536461940574154752/c:line/m:interactions.svg)

- [--] Week [-----] +5,824%
- [--] Month [-----] -7.90%
- [--] Months [-------] +230%
- [--] Year [-------] +34%

### Mentions: [--] [#](/creator/twitter::1536461940574154752/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1536461940574154752/c:line/m:posts_active.svg)

- [--] Week [--] no change
- [--] Month [--] no change
- [--] Months [---] +44%
- [--] Year [---] -30%

### Followers: [---] [#](/creator/twitter::1536461940574154752/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1536461940574154752/c:line/m:followers.svg)

- [--] Week [---] +0.14%
- [--] Month [---] -1.40%
- [--] Months [---] +3.90%
- [--] Year [---] +20%

### CreatorRank: [-------] [#](/creator/twitter::1536461940574154752/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1536461940574154752/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  65% [cryptocurrencies](/list/cryptocurrencies)  22% [finance](/list/finance)  21% [technology brands](/list/technology-brands)  11% [countries](/list/countries)  4% [automotive brands](/list/automotive-brands)  3% [social networks](/list/social-networks)  2% [currencies](/list/currencies)  1%

**Social topic influence**
[$xyz](/topic/$xyz) #6, [bitcoin](/topic/bitcoin) 21%, [xyz](/topic/xyz) 11%, [china](/topic/china) 3%, [business](/topic/business) 3%, [has been](/topic/has-been) 3%, [money](/topic/money) 3%, [acquisition](/topic/acquisition) 3%, [cash app](/topic/cash-app) #193, [luxury](/topic/luxury) 2%

**Top accounts mentioned or mentioned by**
[@cashapp](/creator/undefined) [@torovictorioso](/creator/undefined) [@owenbjennings](/creator/undefined) [@milessuter](/creator/undefined) [@jack](/creator/undefined) [@square](/creator/undefined) [@giganticbananas](/creator/undefined) [@fintechkristen](/creator/undefined) [@nachunja](/creator/undefined) [@blocks](/creator/undefined) [@blockwhalexyz](/creator/undefined) [@pretorianojavo](/creator/undefined) [@seandavid](/creator/undefined) [@emcross23](/creator/undefined) [@templetonthomas](/creator/undefined) [@electricpineave](/creator/undefined) [@josecorai](/creator/undefined) [@stromens](/creator/undefined) [@afterpayusa](/creator/undefined) [@snapchat](/creator/undefined)

**Top assets mentioned**
[Block, Inc. (XYZ)](/topic/$xyz) [Bitcoin (BTC)](/topic/bitcoin) [Block, Inc. (SQ)](/topic/block-inc) [Fiserv, Inc. (FI)](/topic/$fi) [Strategy (MSTR)](/topic/$mstr) [Affirm Holdings, Inc. (AFRM)](/topic/$afrm) [Klarna Group plc (KLAR)](/topic/$klar) [Snap, Inc. (SNAP)](/topic/$snap) [Alibaba Group (BABA)](/topic/$baba) [Electronic Arts Inc. (EA)](/topic/$ea) [NuCypher (NU)](/topic/$nu) [Airbnb, Inc. (ABNB)](/topic/$abnb) [Mastercard, Inc. (MA)](/topic/$ma) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Zoom Video Communications Inc (ZM)](/topic/$zm) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [eBay Inc (EBAY)](/topic/ebay-inc)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@nachunja Yes completely agree with you 🙌 Ive been vibe coding a lot recently and just realized that theres a lot thats still hard. Cash App has so much hidden complexity"  
[X Link](https://x.com/PhilipErik125/status/2019181484368638285)  2026-02-04T22:49Z [---] followers, [--] engagements


"@torovictorioso @jack @CashApp @blocks Does he have a stake in SpaceX and xAI"  
[X Link](https://x.com/PhilipErik125/status/2020944798203425137)  2026-02-09T19:36Z [---] followers, [---] engagements


"This could be incredible. Cash App truly is a lending powerhouse $XYZ we've *been* helping millions of access credit with @CashApp Borrow and @AfterpayUSA next - we'll help customers access credit outside of our products with CASH APP CREDIT SCORE more to build. https://t.co/RTarUwFqzz we've *been* helping millions of access credit with @CashApp Borrow and @AfterpayUSA next - we'll help customers access credit outside of our products with CASH APP CREDIT SCORE more to build. https://t.co/RTarUwFqzz"  
[X Link](https://x.com/PhilipErik125/status/2022112950413406361)  2026-02-13T00:57Z [---] followers, [----] engagements


"Fintech getting destroyed in the markets. But you cant just vibe code new payment rails or set up network effects with claude. Why does $XYZ $KLAR $AFRM go down with SaaS"  
[X Link](https://x.com/PhilipErik125/status/2022370995068186783)  2026-02-13T18:03Z [---] followers, [---] engagements


"@torovictorioso @Square I think there is a much lower likelihood regarding Cash App compared to Square"  
[X Link](https://x.com/PhilipErik125/status/2022579698056700405)  2026-02-14T07:52Z [---] followers, [--] engagements


"This is really interesting. $XYZ & $SNAP have very similar age group customer base so we can assume there is overlap. + imagine bringing bitcoin rails and global strategy to snapchat thats already very global. 👀👀 I think @blocks should acquire @Snapchat I think @blocks should acquire @Snapchat"  
[X Link](https://x.com/PhilipErik125/status/2022636861366374512)  2026-02-14T11:39Z [---] followers, [---] engagements


"Stock News: $NUBANK opened the "Ultravioleta Nubank House" at Ibirapuera Park in So Paulo offering exclusive services like valet parking snacks and workstations for Ultravioleta customers enhancing their park experience. https://international.nubank.com.br/consumers/nubank-announces-ultravioleta-nubank-house-at-ibirapuera-park/ https://international.nubank.com.br/consumers/nubank-announces-ultravioleta-nubank-house-at-ibirapuera-park/"  
[X Link](https://x.com/PhilipErik125/status/1861511215907811728)  2024-11-26T20:43Z [---] followers, [---] engagements


"New tortoise card on cash app. Luxury feel but no added utility. $XYZ $SQ"  
[X Link](https://x.com/PhilipErik125/status/1888397825446478047)  2025-02-09T01:21Z [---] followers, [----] engagements


"@GiganticBananas Damn that went quicker than expected. I thought it would be a very slow rollout"  
[X Link](https://x.com/PhilipErik125/status/1893504775053803536)  2025-02-23T03:34Z [---] followers, [---] engagements


"$XYZ Bitkey Performance Block publishes revenue from hardware sales in its "other corporate" category. I believe this is Bitkey sales. It's not a meaningful contributor to revenue. Revenue/ASP/Units sold* Q1 2024: 671k/$150/4470 Q2 2024: 142k/$150/947 Q3 2024: 110k/$150/733 Q4 2024: 703k/$100/7030 (promotional period) Q1 2025: 172k/$150/1145 Cumulative = $1.8 million revenue/14330 units sold *could have material difference based on revenue classification & ASP. Also Bitkey earns revenue on transactions into the cold wallet which is not counted here"  
[X Link](https://x.com/PhilipErik125/status/1945485259488849929)  2025-07-16T14:06Z [---] followers, [----] engagements


"@TickerTango @realroseceline One thing I noticed is China is contributing the largest proportion of absolute growth. I can recommend $PDD as an addition to ride that wave"  
[X Link](https://x.com/PhilipErik125/status/1959201685412135075)  2025-08-23T10:30Z [---] followers, [---] engagements


"A regime change is brewing in China. Xi will likely step down [----]. $PDD $BABA $TCEHY $BIDU $JD"  
[X Link](https://x.com/PhilipErik125/status/1960701711988793554)  2025-08-27T13:51Z [---] followers, [---] engagements


"TL;DR: Cash App Local is rolling out on a bigger scale in the coming months 😝 $XYZ x Cash App"  
[X Link](https://x.com/PhilipErik125/status/1965674047414706184)  2025-09-10T07:09Z [---] followers, [---] engagements


"Can Block officially bury the short reports now $XYZ x Cash App 😝"  
[X Link](https://x.com/PhilipErik125/status/1965764324150108357)  2025-09-10T13:08Z [---] followers, [----] engagements


"Card safety is incredibly easy in Cash App. Something that I really appreciate. Lock and unlock your Cash Card with the click of a button. $XYZ x Cash App😇"  
[X Link](https://x.com/PhilipErik125/status/1966470203501424656)  2025-09-12T11:53Z [---] followers, [---] engagements


"Woah getting aggressive here $XYZ x Cash App 😏"  
[X Link](https://x.com/PhilipErik125/status/1967657376057856141)  2025-09-15T18:30Z [---] followers, [----] engagements


"Some cool offers 👀 $XYZ x Cash App"  
[X Link](https://x.com/PhilipErik125/status/1970207018372702277)  2025-09-22T19:22Z [---] followers, [----] engagements


"Quick back of envelope valuation: - $EA recorded $7.7 billion in revenue - P/S of 6.5x - Tencent $TCEHY recorded $27.3 billion gaming revenue [----] - P/S of JUST gaming business of [----] This doesnt include their domination of communication (WeChat QQ) and payments (WeixinPay)"  
[X Link](https://x.com/PhilipErik125/status/1971910996500664694)  2025-09-27T12:13Z [---] followers, [---] engagements


"@BlockWhaleXYZ @peakdistrict Sick Nice website btw. Cool that you got into Block Inc of all companies. What drew you to it And when did you begin investing in the company"  
[X Link](https://x.com/PhilipErik125/status/1972635577687429289)  2025-09-29T12:12Z [---] followers, [--] engagements


"This is what comes up when I open Cash App. Great to see features being put to the forefront. $XYZ x Cash App"  
[X Link](https://x.com/PhilipErik125/status/1975578290292466036)  2025-10-07T15:05Z [---] followers, [----] engagements


"Get in on neighborhoods if your a square seller $XYZ x Cash App today were announcing NEIGHBORHOODS a major milestone connecting our sellers using @Square with our consumers using @CashApp this is going to be big. 🧵 today were announcing NEIGHBORHOODS a major milestone connecting our sellers using @Square with our consumers using @CashApp this is going to be big. 🧵"  
[X Link](https://x.com/PhilipErik125/status/1976044478273307121)  2025-10-08T21:58Z [---] followers, [----] engagements


"UBS on $XYZ Blocks (NYSE:XYZ) newest lending feature inside Cash App the ability to convert recent Cash App Card purchases into installment plans has scaled quickly since launching in February and could become a meaningful earnings tailwind over the next two years according to UBS research analyst Timothy Chiodo. Pay over time for past purchases (a post-purchase buy-now pay-later option powered by Afterpay) is already outperforming Cash App Borrow at a similar stage of rollout with better attach and loss rates UBS said in an Oct. [--] report. As adoption widens the bank sees the product driving"  
[X Link](https://x.com/PhilipErik125/status/1977659097349525650)  2025-10-13T08:54Z [---] followers, [----] engagements


"UBS on $XYZ valuation Unit economics and risk Monetization: Revenue comes from debit interchange (unregulated about 1.6%) plus a flat consumer financing fee (standardized at 7.5% though blended averages may run slightly lower due to state APR caps and a small pay-away to the current issuing partner First Electronic Bank). UBS notes that over time Visas Flexible Credentials could allow the product to earn about 2%+ interchange more akin to credit interchange. Costs & losses: Variable costs (funding cash-in via Visa Direct/ACH and the FEB pay-away modeled at about [--] bps) are modest. Loss rates"  
[X Link](https://x.com/PhilipErik125/status/1977674044787859730)  2025-10-13T09:53Z [---] followers, [----] engagements


"$NU took Mexico by storm. Now they're entering the US. Is Cash App ready to handle the heat $XYZ x Cash App"  
[X Link](https://x.com/PhilipErik125/status/1978106355631243439)  2025-10-14T14:31Z [---] followers, [----] engagements


"Got the new updated view on Cash App. [--] tabs not [--]. $XYZ x Cash App"  
[X Link](https://x.com/PhilipErik125/status/1978379318322446511)  2025-10-15T08:36Z [---] followers, [----] engagements


"@BitcoinNews21M He should work for $xyz"  
[X Link](https://x.com/PhilipErik125/status/1980369228420231294)  2025-10-20T20:23Z [---] followers, [--] engagements


"Block Inc is getting rid of old baggage slowly but surely from alleged security/consumer marketing violations. Crazy to think that having an invite friends button led to a $12.5 million lawsuit. Block chose to settle rather than fight. Although Block Inc. denied any wrongdoing it chose to settle to avoid prolonged litigation. The case highlights how state-level privacy laws are increasingly shaping accountability standards in digital marketing and user communication. No wonder products havent been launching. Imagine trying to navigate the legal implications of small product iterations. I have"  
[X Link](https://x.com/PhilipErik125/status/1981667461570150718)  2025-10-24T10:21Z [---] followers, [---] engagements


"Interesting to see Square at #3 🤟 $XYZ x Square We grew to $1B ARR faster than Stripe Salesforce and Palantir while being 100% remote This was a combination of a lot of luck focus and an excellent team Looking back I can our team's success boils down some key principles I'm sharing in a 700-word long post: I hope that https://t.co/JxlqNgqieW We grew to $1B ARR faster than Stripe Salesforce and Palantir while being 100% remote This was a combination of a lot of luck focus and an excellent team Looking back I can our team's success boils down some key principles I'm sharing in a 700-word long"  
[X Link](https://x.com/PhilipErik125/status/1982896738836103305)  2025-10-27T19:46Z [---] followers, [----] engagements


"@owenbjennings @grok list the top [--] companies that grew to $10B ARR in the shortest amount of time. Include a numbered list with the name of the company and the time period in parentheses"  
[X Link](https://x.com/PhilipErik125/status/1982947741069385777)  2025-10-27T23:09Z [---] followers, [--] engagements


"Anyone with insights on $QFIN -- please comment what's happening. My understanding: [--]. Capital light business evaporating from new regulations [--]. On the other hand QFIN is on many banks "white list" which is a good sign [--]. Short term pain and long term gain was said last Q earnings call. https://twitter.com/i/web/status/1983192879787827381 https://twitter.com/i/web/status/1983192879787827381"  
[X Link](https://x.com/PhilipErik125/status/1983192879787827381)  2025-10-28T15:23Z [---] followers, [----] engagements


"@pretoriano_javo I saw this but the company's average ARR on loans is 21.4% right now. I believe this is regarding the company's on balance sheet loans. Hence this shouldn't be weighing down the stock too much. $QFIN"  
[X Link](https://x.com/PhilipErik125/status/1983279993791885658)  2025-10-28T21:09Z [---] followers, [---] engagements


"@marianozorrilla @pretoriano_javo Yep good way to put it. I re-listened to QFIN's last earnings call. They mention that they see a scenario where they can price ICE referred customers with thier own balance sheet to avoid high loan volume collapse"  
[X Link](https://x.com/PhilipErik125/status/1983463733331632452)  2025-10-29T09:19Z [---] followers, [--] engagements


"$FI omg. having a 50% drop for such a large cap in [--] day is rare"  
[X Link](https://x.com/PhilipErik125/status/1983529310867628305)  2025-10-29T13:40Z [---] followers, [---] engagements


"@nachunja I agree. I use Fidelity and had a youth account. It was really really good All the features all stocks around the world transparent great interface. IMO as much as a love Cash App the investing features on Cash App are 1/10 as good as Fidelity"  
[X Link](https://x.com/PhilipErik125/status/1985272223347659012)  2025-11-03T09:05Z [---] followers, [--] engagements


"Last quarter was really exciting for Block. There was a clear reacceleration in gross profit. AND this was before all of the crazy newsflow that has come since. I hope this chart gives some inspiration for what might come in Q3. $XYZ"  
[X Link](https://x.com/PhilipErik125/status/1985825734951067982)  2025-11-04T21:45Z [---] followers, [----] engagements


"$XYZ Gross margin with and without bitcoin transaction is shocking. All investors need to know this. - Quarter GP ex Bitcoin - Margin ex BTC - Total Margin ------------------------------------------------------------ Q2 [----] $ 1822M 57.95% 33.71% Q3 [----] $ 1854M 58.04% 33.80% Q4 [----] $ 1960M 60.25% 35.09% Q1 [----] $ 2014M 62.44% 35.16% Q2 [----] $ 2166M 61.12% 36.28% Q3 [----] $ 2185M 61.60% 37.65% Q4 [----] $ 2235M 61.99% 38.32% Q1 [----] $ 2224M 64.09% 39.67% Q2 [----] $ 2455M 62.79% 41.90%"  
[X Link](https://x.com/PhilipErik125/status/1985828997171683451)  2025-11-04T21:58Z [---] followers, [--] engagements


"$XYZ Gross margin with and without bitcoin transaction. All investors need to know this. - Quarter GP ex Bitcoin - Margin ex BTC - Total Margin ------------------------------------------------------------ Q2 [----] $ 1822M 57.95% 33.71% Q3 [----] $ 1854M 58.04% 33.80% Q4 [----] $ 1960M 60.25% 35.09% Q1 [----] $ 2014M 62.44% 35.16% Q2 [----] $ 2166M 61.12% 36.28% Q3 [----] $ 2185M 61.60% 37.65% Q4 [----] $ 2235M 61.99% 38.32% Q1 [----] $ 2224M 64.09% 39.67% Q2 [----] $ 2455M 62.79% 41.90% https://twitter.com/i/web/status/1985829346674622618 https://twitter.com/i/web/status/1985829346674622618"  
[X Link](https://x.com/PhilipErik125/status/1985829346674622618)  2025-11-04T21:59Z [---] followers, [----] engagements


"This is what the gross margin difference looks like on a chart. $XYZ. What's important here is that core gross margin has only been going up. $XYZ Gross margin with and without bitcoin transaction. All investors need to know this. - Quarter GP ex Bitcoin - Margin ex BTC - Total Margin ------------------------------------------------------------ Q2 [----] $ 1822M 57.95% 33.71% Q3 $XYZ Gross margin with and without bitcoin transaction. All investors need to know this. - Quarter GP ex Bitcoin - Margin ex BTC - Total Margin ------------------------------------------------------------ Q2 [----] $"  
[X Link](https://x.com/PhilipErik125/status/1985829929364115532)  2025-11-04T22:02Z [---] followers, [----] engagements


"SQUARE x $XYZ: GPV BY SELLER SIZE MIX June [--] [----] - June [--] [----] ========================================= Quarter Total GPV Micro SMB Mid-Market ------------------------------------------------------------ Q2 '23 $ [-----] $ [-----] $ [-----] $ [-----] Q3 '23 $ [-----] $ [-----] $ [-----] $ [-----] Q4 '23 $ [-----] $ [-----] $ [-----] $ [-----] Q1 '24 $ [-----] $ [-----] $ [-----] $ [-----] Q2 '24 $ [-----] $ [-----] $ [-----] $ [-----] Q3 '24 $ [-----] $ [-----] $ [-----] $ [-----] Q4 '24 $ [-----] $ [-----] $ [-----] $ [-----] Q1 '25 $ [-----] $ [-----] $ [-----] $ [-----] Q2 '25 $ [-----] $ [-----] $ [-----] $ [-----] Take a moment to appreciate how strong"  
[X Link](https://x.com/PhilipErik125/status/1985834181977653510)  2025-11-04T22:18Z [---] followers, [----] engagements


"Here's the chart -- $XYZ Square GPV by seller mix Two takeaways from me. (1) GPV has been very up and down & disappointingly flat & (2) Q2 [----] is really encouraging and is an inflection point (acc. to management). Mid-Market grew by $6 billion QoQ which is insane SQUARE x $XYZ: GPV BY SELLER SIZE MIX June [--] [----] - June [--] [----] ========================================= Quarter Total GPV Micro SMB Mid-Market ------------------------------------------------------------ Q2 '23 $ [-----] $ [-----] $ SQUARE x $XYZ: GPV BY SELLER SIZE MIX June [--] [----] - June [--] 2025"  
[X Link](https://x.com/PhilipErik125/status/1985835352410784173)  2025-11-04T22:23Z [---] followers, [----] engagements


"@PoundtheProduct @torovictorioso Rev growth is affected by Bitcoin revenue which the company needs to report. This creates large swings in revenue but doesnt affect profitability much since bitcoin sales has very low margin"  
[X Link](https://x.com/PhilipErik125/status/1985983304319778838)  2025-11-05T08:11Z [---] followers, [--] engagements


"$XYZ needs to desperately update their accounting practices for recording Bitcoin purchases and sales on Cash App 😔😖😫. If possible"  
[X Link](https://x.com/PhilipErik125/status/1986548262288171157)  2025-11-06T21:36Z [---] followers, [----] engagements


"Cash App Borrow grew 134% YoY to $22 billion annualized. Incredible While still maintaining robust margins (24%). $XYZ"  
[X Link](https://x.com/PhilipErik125/status/1986549899132080335)  2025-11-06T21:42Z [---] followers, [----] engagements


"@_SeanDavid Q4 guidance +19%***"  
[X Link](https://x.com/PhilipErik125/status/1986556921218838904)  2025-11-06T22:10Z [---] followers, [---] engagements


"@owenbjennings at $XYZ talked a lot about the levers they can pull within Cash App to drive user growth and banking actives. Ive already seen meaningful updates in the app the past few days. Whats new [--]. Cash App Green status (spend $500 month) [--]. New boost rewards every Friday [--]. Green status gives you [--] new rewards every Friday rather than [--] [--]. Add several boosts at once. Click or unclick the checkmarks (much easier)"  
[X Link](https://x.com/PhilipErik125/status/1986591539343261859)  2025-11-07T00:28Z [---] followers, [----] engagements


"$XYZ Cash App Green progress analytics screen @PhilipErik125 @CashApp @owenbjennings Philip can you do a video on the analytics screen . this feature will work with green status to show the users progress to $500 @PhilipErik125 @CashApp @owenbjennings Philip can you do a video on the analytics screen . this feature will work with green status to show the users progress to $500"  
[X Link](https://x.com/PhilipErik125/status/1986778559474446748)  2025-11-07T12:51Z [---] followers, [----] engagements


"I really enjoyed @owenbjennings color on October in the $XYZ earnings call. A lot of positive signs for growth were named: [--]. Acceleration of MAU YoY in October again [--]. Went from [--] million pools September to [---] million in October (500k additions in the month) [--]. Went from [---] million banking actives September to [---] million in October. (400k net additions) October is heavily used to guide Q4 results (so its priced in) but the context is interesting. It shows underlying metric performance"  
[X Link](https://x.com/PhilipErik125/status/1986803459077595185)  2025-11-07T14:30Z [---] followers, [----] engagements


"@BeeAwake1 Hyundai Santa Fe by far the best performance 😹😹"  
[X Link](https://x.com/PhilipErik125/status/1986804111988203699)  2025-11-07T14:33Z [---] followers, [---] engagements


"$XYZ: FORWARD VALUATION MULTIPLES Rule of [--] Scenario (20% Growth + 20% Margin) Market Cap: $40 Billion (end of [----] assumption) ======================================== Year P/Gross Profit P/Adj Op Income ---------------------------------------------------------- [----] 3.91x 19.5x [----] 3.25x 16.3x [----] 2.71x 13.6x [----] 2.26x 11.3x ========================================"  
[X Link](https://x.com/PhilipErik125/status/1986833115487101303)  2025-11-07T16:28Z [---] followers, [----] engagements


"Interesting commentary from analysts and institutional investors. They didnt anticipate the $XYZ sell-off either. Square GPV of $67.2B in Q3 rose 12% Y/Y while its gross profit of $1.02B increased only 9% Y/Y. Block management had previously said its decision to "increase operational flexibility at a processing partner" would "modestly" increase processing costs. "This was an approximately [---] percentage point headwind to Square gross profit in the third quarter which we expect to lap in the second quarter of 2026" Block Chief Financial Officer Amrita Ahuja said during the company's earnings"  
[X Link](https://x.com/PhilipErik125/status/1986834390521884907)  2025-11-07T16:33Z [---] followers, [----] engagements


"@jrouldz So u sold $Xyz"  
[X Link](https://x.com/PhilipErik125/status/1986879546990203294)  2025-11-07T19:32Z [---] followers, [---] engagements


"Just completely false and misleading This was a company wide event at $XYZ and they wont have another one until [--] years from now. These claims are so false they make me sick 🤢🤮🤮. Heres from an employee context on what the event was: https://www.instagram.com/reel/DO8qoZJDqAH/igsh=NWlsY3ljd2trc2Zp $XYZ This is real. Block's increase in general and administrative increased $68.1m primarily from an in-person company event. One event. One. I asked ChatGPT to imagine what this might have been. It essentially gave one fun hypothetical: Fly [---] people out first class to a https://t.co/hfowpxmZMC"  
[X Link](https://x.com/PhilipErik125/status/1987180623245586793)  2025-11-08T15:29Z [---] followers, 20.3K engagements


"If you care about the truth and $XYZ plz help me dispel these false claims Im not say $XYZ has perfect capital allocation but this is completely false. Block by block is an event that wont happen for another [--] years. They spent $68 million on the inperson event and [----] people from the company were present. This equates to $8500 per person. Or put otherwise $1000 per person per year until the next event. @Kross_Roads your hypothetical is misleading and your claims are just wrong Feel free to share this to dispel this falsehood 🙏 $XYZ This is real. Block's increase in general and"  
[X Link](https://x.com/PhilipErik125/status/1987182822616899757)  2025-11-08T15:37Z [---] followers, 30.3K engagements


"Its completely fair I agree that theres been huge dilution and no consumer facing innovation on Cash App for years. But the post was way too exaggerated. Its quite clear that theyve had a strong cost focus these years too. Now the costs are going up due to growth initiatives. Its too bad that they dont have the same P2P vitality working as it used to to gain customers. So growth is seemingly costing a lot. But honestly I disagree $8500 per person spread over [--] years is nothing. But the output / raised morale might also be nothing Hard to measure that ROI. We need to see great execution for"  
[X Link](https://x.com/PhilipErik125/status/1987214290357456978)  2025-11-08T17:43Z [---] followers, [---] engagements


"When its spread over [--] years its nothing Maybe it doesnt have any ROI tho. Hard to say. That being said I agree that capital allocation has been an issue. Theyll be talking about it on investor day. And yea PayPal is much stronger on the merchant side but not on the consumer side IMO. Cash App users are much more deeply engaged"  
[X Link](https://x.com/PhilipErik125/status/1987215151150329965)  2025-11-08T17:46Z [---] followers, [---] engagements


"Great thread by head of IR at $XYZ that went under the radar. I was having a conversation with Owen a few weeks back about internal priorities and focus areas. He said something simple about what our priorities needed to be that has stuck with me: High quality. High velocity. Customers. Thats it. I was having a conversation with Owen a few weeks back about internal priorities and focus areas. He said something simple about what our priorities needed to be that has stuck with me: High quality. High velocity. Customers. Thats it"  
[X Link](https://x.com/PhilipErik125/status/1987227197174915315)  2025-11-08T18:34Z [---] followers, [----] engagements


"Yea its a party not work. But to say its destroying shareholder value is also a bit too far. SBC has grown a lot but so has the employee count. Afterpay was acquired during this time. Better would be SBC per employee. And bitcoin purchases have made them money plus they only purchase bitcoin worth 10% of bitcoins generated gross profit"  
[X Link](https://x.com/PhilipErik125/status/1987234649236750829)  2025-11-08T19:03Z [---] followers, [--] engagements


"@oxygenJCF @FadingTheNoise i mean that his hypothetical is false. And he then uses the hypothetical he made to argue that this was more egregious than the Tidal acquisition. His argument was built on weak and completely out of line hypothetical as he you built a house with Jenga bricks"  
[X Link](https://x.com/PhilipErik125/status/1987249510414721483)  2025-11-08T20:02Z [---] followers, [--] engagements


"no he made one claim in that post. This is an egregious way to allocate capital. Even worse than the tidal acquisition. I don't agree that this was a completely out of line way of capital allocation given what i've written in my post. But if you read his post then you would totally be led to believe that it was a crazy private event where employees got gold watches and flew first class"  
[X Link](https://x.com/PhilipErik125/status/1987251321041293487)  2025-11-08T20:10Z [---] followers, [--] engagements


"@TheRenaissanceG You cant measure ROC on things like this and calling a shareholder vote over a $68 million expense thats not going to happen for another [--] years at a company with $10+ billion in GP is crazy"  
[X Link](https://x.com/PhilipErik125/status/1987343249518788949)  2025-11-09T02:15Z [---] followers, [---] engagements


"I think this might be my biggest concern with $XYZ as a shareholder since [----] and earnest follower since then. Management is incredibly driven forward and shareholder focused. But what about the [-----] other employees $xyz https://t.co/EjNO4EsUqh $xyz https://t.co/EjNO4EsUqh"  
[X Link](https://x.com/PhilipErik125/status/1987345144886992995)  2025-11-09T02:23Z [---] followers, [----] engagements


"This post was great for the $XYZ / stock community. Share and keep the conversation going 🙏 It sheds light onto what hurts the ego of both bulls and bears. - Bulls: have been way too optimistic even when there have been clear signals of cultural issues at Block. - Bears: overly pessimistic that Block has no growth nor innovation. Is there any middle ground to be found here Im a $XYZ shareholder and have come to terms that Block is somewhere in between. But its clear that things are moving in the right direction. Comment what you think both bulls and bears so we can learn from eachother Share"  
[X Link](https://x.com/PhilipErik125/status/1987535936930865413)  2025-11-09T15:01Z [---] followers, [----] engagements


"Im a $xyz shareholder but not an ultra bull. I fully agree that capital discipline and high costs and the culture of luxury is an issue. However to cherry pick this event as the epitome of poor corporate capital allocation is not justified IMO. Much worse have been the cultural issues that have not allowed for growth. The opportunity cost of this is orders of magnitude higher than this $68 million expense"  
[X Link](https://x.com/PhilipErik125/status/1987536627380490330)  2025-11-09T15:03Z [---] followers, [---] engagements


"@ValuSeeker20 @GiganticBananas Ok thats fair. Would be wild. With Codename goose they are pushing toward huge automation so why not"  
[X Link](https://x.com/PhilipErik125/status/1987548723979706694)  2025-11-09T15:51Z [---] followers, [--] engagements


"@sulekh Hehe that could be a good takeaway. Another example is $ABNB"  
[X Link](https://x.com/PhilipErik125/status/1987571627534499930)  2025-11-09T17:22Z [---] followers, [--] engagements


"This seems highly overblown. $MSTR has $73 billion worth of Bitcoin. $8 billion long-term debt. $52 billion in equity. So what does this mean Bitcoin could technically drop by 89% and $MSTR can still sell off its Bitcoin to repay ALL of its loans. $MSTR Ponzi scheme is blowing up. $689M interest due in [----] that they dont have. Saylor is enticing investors by raising yield by +25 bps to 10.5% on preferred shares to raise capital to keep running the ponzi while collateral deflates in value. https://t.co/z38PGYEPjO https://t.co/ORViZMdtKZ $MSTR Ponzi scheme is blowing up. $689M interest due in"  
[X Link](https://x.com/PhilipErik125/status/1987575379406512626)  2025-11-09T17:37Z [---] followers, [---] engagements


"its not a ponzi Investors are choosing to buy equity issuances convertibles and debt to allow $MSTR to accumulate bitcoin. Its their decision That being said its sophisticated and likely very shaky financial engineering - especially when the music stops. No bitcoin bailouts If $mstr is forced to liquidate btc to pay interest and bitcoin crashes most folks belief thats the next best buying opportunity were gonna see Note: I dont know if its a Ponzi or just overly complicatedbut I would never touch it No bitcoin bailouts If $mstr is forced to liquidate btc to pay interest and bitcoin crashes"  
[X Link](https://x.com/PhilipErik125/status/1987576658686046500)  2025-11-09T17:42Z [---] followers, [---] engagements


"Brutal. I never got a good impression of him. Now $XYZ can start eating $FI lunch. A brutal summary of Franks Bisignano legacy at Fiserv $FI: over the last few years decisions to defer certain investments and cut certain costs are now limiting our ability to serve clients execute product launches and grow revenue https://t.co/KYoFksXFHH A brutal summary of Franks Bisignano legacy at Fiserv $FI: over the last few years decisions to defer certain investments and cut certain costs are now limiting our ability to serve clients execute product launches and grow revenue https://t.co/KYoFksXFHH"  
[X Link](https://x.com/PhilipErik125/status/1987585248092102784)  2025-11-09T18:17Z [---] followers, [----] engagements


"Square x $XYZ getting notable attention today. Super excited to see adoption metrics in the short/long term. This could prove all of the Block shouldnt do things with bitcoin naysayers wrong 🤣😌🫣 our sellers can now receive btc to btc btc to fiat fiat to btc or fiat to fiat. our sellers can now receive btc to btc btc to fiat fiat to btc or fiat to fiat"  
[X Link](https://x.com/PhilipErik125/status/1987934173655437458)  2025-11-10T17:23Z [---] followers, [----] engagements


"@jack @CashApp Wheres the map 🥺🥺 I dont see it in my Cash App. @jack"  
[X Link](https://x.com/PhilipErik125/status/1987934992165412958)  2025-11-10T17:26Z [---] followers, [---] engagements


"Anybody know how to find the btc map on Cash App $xyz"  
[X Link](https://x.com/PhilipErik125/status/1987935388493554102)  2025-11-10T17:28Z [---] followers, [----] engagements


"Wow ok this is awesome 😅 thank you cash app support $xyz"  
[X Link](https://x.com/PhilipErik125/status/1987936838154326457)  2025-11-10T17:34Z [---] followers, [----] engagements


"@milessuter @Square So awesome Question: merchants have one click and it enables Bitcoin payment acceptance. With this click does it also enable the Bitcoin treasury system that has been built Can merchants transfer bitcoin from here to fiat for free"  
[X Link](https://x.com/PhilipErik125/status/1987973724218519885)  2025-11-10T20:00Z [---] followers, [---] engagements


"@owenbjennings @milessuter @FintechKristen @emcross23 @TempletonThomas @jack Any thoughts on this Would love to hear 😁 To make Bitcoin everyday money it needs to be treated as everyday money. Best way to do this is Bitcoin direct deposit in Cash App (zero fees) spend at Square merchant (zero fees). But to challenge this slightly how is this better for consumers Consumers will carry the risk of Bitcoin price fluctuations. Merchants will be best off (low/no fees). To make this magic the consumer cant take risk. enthusiasts will adopt this not mass market. Bitcoin rails are needed. Seamless"  
[X Link](https://x.com/PhilipErik125/status/1987984235265659018)  2025-11-10T20:42Z [---] followers, 16.8K engagements


"Holy is it really happening Behind the scenes bitcoin rails Miles just hinted at it responding to my post criticizing that only enthusiasts will pay with bitcoin at this point. Mass market either [--]. doesnt hold bitcoin or [--]. doesnt want to carry the risk. $XYZ 🚀🚀 It's insane how many things are landing at once right now. All 👀's on @CashApp Releases in two days. It's insane how many things are landing at once right now. All 👀's on @CashApp Releases in two days"  
[X Link](https://x.com/PhilipErik125/status/1987987395539575153)  2025-11-10T20:55Z [---] followers, [----] engagements


"@guy_bolly @owenbjennings @milessuter @FintechKristen @emcross23 @TempletonThomas @jack Is it no/low fee And is it competitive enough to compete with Visa/Mastercard cost structure Really curious about this"  
[X Link](https://x.com/PhilipErik125/status/1988002879789994237)  2025-11-10T21:56Z [---] followers, [---] engagements


"This is like teasing a kid with candy. The whole $xyz team has 👀 on my post regarding potential bitcoin rails or somehow making the user experience for paying with Bitcoin much better. @jack youve said Bitcoin can help Block go global at the speed of the internet & cut out $V & $MA. Im dying to understand how (technical perspective) Anything you could say 👀 👀"  
[X Link](https://x.com/PhilipErik125/status/1988004500494225743)  2025-11-10T22:03Z [---] followers, [----] engagements


"@MitchellHODL @Square What do you mean with point 1: BTC/USD an order"  
[X Link](https://x.com/PhilipErik125/status/1988235428785238492)  2025-11-11T13:20Z [---] followers, [--] engagements


"A bit unclear how I said it. I just mean that itd be interesting if bitcoin is used to complete the transaction without consumer knowing. For ex. consumer uses dollars to pay a merchant that receives dollars. But in between this transaction Block uses a stable coin or bitcoin to complete the transaction. Is this possible Is this even efficient"  
[X Link](https://x.com/PhilipErik125/status/1988529532307984730)  2025-11-12T08:49Z [---] followers, [--] engagements


"$XYZ You gotta check this out http://cash.app/new http://cash.app/new"  
[X Link](https://x.com/PhilipErik125/status/1988869115067437300)  2025-11-13T07:18Z [---] followers, [----] engagements


"@ElectricPineAve @josecorai No man you missed it Stable coins bitcoin payments (using USD) these are the huge releases. Regarding borrow actually its an expansion. Before you could only do it if you were direct deposit customer. Now Im getting the option for Borrow if I spend $500 a month"  
[X Link](https://x.com/PhilipErik125/status/1988885170980630601)  2025-11-13T08:22Z [---] followers, [---] engagements


"@milessuter @Stromens @CashApp Thank you Miles ;) Been following and investing for a long time in $xyz Been waiting for this moment"  
[X Link](https://x.com/PhilipErik125/status/1988939732550828207)  2025-11-13T11:59Z [---] followers, [---] engagements


"@ElectricPineAve @josecorai Yea. And also with regard to why Bitcoin lightning. I think its to be able to get other wallets than just cash app to pay with bitcoin at square terminals. + bitcoin & stable will help incredibly with international expansion IMO"  
[X Link](https://x.com/PhilipErik125/status/1988946461799964956)  2025-11-13T12:26Z [---] followers, [--] engagements


"X really came alive once $XYZ went all in with Bitcoin releases 😝"  
[X Link](https://x.com/PhilipErik125/status/1988946845180260496)  2025-11-13T12:27Z [---] followers, [----] engagements


"@FintechKristen @milessuter @Stromens @CashApp Hehe gotcha 😉 this is great. Incredible launch kudos to you and the team Most excited to see block overtake V & MA ;);)"  
[X Link](https://x.com/PhilipErik125/status/1988958363665985790)  2025-11-13T13:13Z [---] followers, [--] engagements


"For those wondering how these releases help $XYZ cost structure & growth what this means for customers: consumer - making bitcoin everyday money whether you want to spend your BTC or not. seller side - accept payments with no fees what this means for the business: square and cash app acquisition cash app payment and inflow volume obvious what this means for customers: consumer - making bitcoin everyday money whether you want to spend your BTC or not. seller side - accept payments with no fees what this means for the business: square and cash app acquisition cash app payment and inflow volume"  
[X Link](https://x.com/PhilipErik125/status/1988964986916626532)  2025-11-13T13:39Z [---] followers, [---] engagements


"@pourteaux @rot13maxi Theyve mentioned that they dont want to rely on any organization (which issue stable coins). Hence they go for protocol solution Bitcoin. Long term play"  
[X Link](https://x.com/PhilipErik125/status/1989099723526136025)  2025-11-13T22:35Z [---] followers, [--] engagements


"$XYZ this week"  
[X Link](https://x.com/PhilipErik125/status/1989345623557263743)  2025-11-14T14:52Z [---] followers, [---] engagements


"@Nabulio91 @acce Super bullish. for reference Cash App is now around $100 I believe gross profit per user. Debit card is a big reason. Next lever tho for them is borrow and Afterpay. Does $PYPL have anything similar to cash app Borrow"  
[X Link](https://x.com/PhilipErik125/status/1989677905509572731)  2025-11-15T12:52Z [---] followers, [---] engagements


"@milessuter Bitcoin with NFC 😝"  
[X Link](https://x.com/PhilipErik125/status/1990365088856109073)  2025-11-17T10:23Z [---] followers, [--] engagements


"@investingichina Every quarter for the past [--] years 😅 but this Q seemed more reflective and downbeat. Especially with regard to international business. & even an acknowledgement that they are behind competition in China"  
[X Link](https://x.com/PhilipErik125/status/1991106368829538410)  2025-11-19T11:28Z [---] followers, [---] engagements


"@BlockWhaleXYZ @Clearpay_UK @TheFootballPhys why not use it"  
[X Link](https://x.com/PhilipErik125/status/1991116679561220343)  2025-11-19T12:09Z [---] followers, [--] engagements


"Cool Cash App has an intro video showing off the new releases when I opened the app. $xyz happy investor day"  
[X Link](https://x.com/PhilipErik125/status/1991132197651087485)  2025-11-19T13:11Z [---] followers, [----] engagements


"@torovictorioso Great well done. 👌 given the guidance theres so much catch up potential in the valuation"  
[X Link](https://x.com/PhilipErik125/status/1991545036790767763)  2025-11-20T16:31Z [---] followers, [--] engagements


"@torovictorioso What do you think internal goals are"  
[X Link](https://x.com/PhilipErik125/status/1991553359262937496)  2025-11-20T17:04Z [---] followers, [--] engagements


"@_SeanDavid Whats the $ZM thesis"  
[X Link](https://x.com/PhilipErik125/status/1993117459147374900)  2025-11-25T00:40Z [---] followers, [---] engagements


"$xyz has donated to the Trump Account as can be seen on the website. Cash App is really a top place for teens and pre-teens to place and accumulate wealth. I sincerely hope Cash App can get these inflows. Excited for the impact that Trump Accounts will have for the families and children that need a jumpstart the most https://t.co/4BmT59hUiL Excited for the impact that Trump Accounts will have for the families and children that need a jumpstart the most https://t.co/4BmT59hUiL"  
[X Link](https://x.com/PhilipErik125/status/2001662810569298153)  2025-12-18T14:36Z [---] followers, [----] engagements


"interesting. just came across this knockoff to $HIMS on Swedish e-commerce platform Apotea. called 4him&her"  
[X Link](https://x.com/PhilipErik125/status/2002375345513680996)  2025-12-20T13:47Z [---] followers, [---] engagements


"I've been playing around with MCP servers that $XYZ has been implementing heavily within its organization. It's super fun to play around with. Here are some technical specs i've learned -- anyone have input on this Specifically for more complex MCP servers with several tools: [--]. Auto-Generate Reference Files Every operation on complex data creates a persistent artifact. Extract PDF save .txt. Parse CSV save JSON. This gives you: Debuggable state without re-running expensive operations Natural progress tracking (mark items as processed) Audit trail independent of source files [--]. Structured"  
[X Link](https://x.com/PhilipErik125/status/2012625263809413567)  2026-01-17T20:37Z [---] followers, [---] engagements


"Stock News: eBay Inc. has exercised the second tranche of its warrant agreement with $ADYEN acquiring [------] shares at [---] per share representing 1.25% of Adyens fully diluted share capital. https://www.adyen.com/press-and-media/second-warrant-tranche-of-long-term-contract-between-adyen-and-ebay-inc-exercised https://www.adyen.com/press-and-media/second-warrant-tranche-of-long-term-contract-between-adyen-and-ebay-inc-exercised"  
[X Link](https://x.com/PhilipErik125/status/1851681451957244273)  2024-10-30T17:43Z [---] followers, [---] engagements

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