[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.] #  @granaresearch Grana Research Grana Research posts on X about $wise, $wisel, $rely, $crcl the most. They currently have XXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1565358489018552323/interactions)  - X Week XXXXX +43% ### Mentions: XX [#](/creator/twitter::1565358489018552323/posts_active)  - X Week XX +433% ### Followers: XXX [#](/creator/twitter::1565358489018552323/followers)  - X Week XX +353% ### CreatorRank: XXXXXXX [#](/creator/twitter::1565358489018552323/influencer_rank)  ### Social Influence [#](/creator/twitter::1565358489018552323/influence) --- **Social category influence** [cryptocurrencies](/list/cryptocurrencies) XXXXX% [stocks](/list/stocks) XXXXX% [finance](/list/finance) XX% [technology brands](/list/technology-brands) XXXXX% [exchanges](/list/exchanges) XXXX% **Social topic influence** [$wise](/topic/$wise) 50%, [$wisel](/topic/$wisel) 37.5%, [$rely](/topic/$rely) 25%, [$crcl](/topic/$crcl) 12.5%, [$coin](/topic/$coin) 12.5%, [money](/topic/money) 12.5%, [investment](/topic/investment) 12.5%, [positions](/topic/positions) 6.25%, [$txn](/topic/$txn) 6.25%, [$nxpi](/topic/$nxpi) XXXX% **Top accounts mentioned or mentioned by** [@bobspaysubstack](/creator/undefined) [@saveonsend](/creator/undefined) [@johnhuber72](/creator/undefined) [@investornick](/creator/undefined) [@alertsbullish](/creator/undefined) [@finchatio](/creator/undefined) **Top assets mentioned** [Wise (WISE)](/topic/$wise) [Remitly Global, Inc. Common Stock (RELY)](/topic/$rely) [Circle Internet Group, Inc. (CRCL)](/topic/$crcl) [Mario Coin (COIN)](/topic/$coin) [Texas Instruments (TXN)](/topic/$txn) [NXP Semiconductors NV (NXPI)](/topic/$nxpi) [XRP (XRP)](/topic/$xrp) [Neural Protocol (NRP)](/topic/$nrp) [First Citizens BancShares, Inc. (FCNCA)](/topic/$fcnca) [Western Union Co (WU)](/topic/$wu) [Global Payments Inc (GPN)](/topic/$gpn) [Fiserv, Inc. (FI)](/topic/$fi) [4 (FOUR)](/topic/$four) [Toast, Inc. (TOST)](/topic/$tost) [Block, Inc. (XYZ)](/topic/$xyz) [Morgan Stanley (MS)](/topic/morgan-stanley) ### Top Social Posts [#](/creator/twitter::1565358489018552323/posts) --- Top posts by engagements in the last XX hours "The earnings reports from $NXPI and $TXN clearly illustrate why you need to get positioned well before a cyclical recovery actually begins. I know quite a few PMs who started building positions right around the start of earnings season"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947936527952019736) 2025-07-23 08:27:13 UTC XXX followers, XXX engagements "The graveyard of crypto MTOs by @SaveOnSend. Tell me once again how crypto will disrupt the money transfer industry $WISE $RELY $XRP $COIN $CRCL"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1946111605546107278) 2025-07-18 07:35:38 UTC XX followers, XXX engagements ""Ben Graham said that the market is there to serve us not to be its master. Fortunately there are some great businesses with management teams who understand this: Natural Resource Partners $NRP Medical Facilities $MFCSF and First Citizens $FCNCA are three examples that come to mind that briefly traded at this level at points in the last few years." @JohnHuber72 👏"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1945482279557497227) 2025-07-16 13:54:55 UTC XXX followers, XXX engagements "Wise $WISE $WISE.L currently has the lowest take rate in the industry charging customers just 0.52%. Western Union's $WU take rate is XXX% and Remitly's $RELY is 2.3%. This massive gap is primarily the result of Wises robust infrastructure. Why cant competitors replicate this infrastructure Traditional banks dont pursue this for two main reasons: 1/ Money transfers represent a negligible share of their business roughly XXX% of total banking revenue and about 1-1.5% of consumer banking income. 2/ There is an informal barter system between banks where correspondent banking is just one part of a"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947203736121540726) 2025-07-21 07:55:22 UTC XXX followers, 4368 engagements "My first deep dive on Wise $WISE $WISE.L is now available on Substack free to read. Like and subscribe Wise: A Disruptor in the Remittance Market"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947360125347356680) 2025-07-21 18:16:48 UTC XXX followers, XXX engagements "I'm happy to share my updated $WISE model following the Q1 trading update with anyone who follows this account and reposts this post. Once youve done that feel free to DM. A few thoughts on the $WISE $WISE.L update: At first glance the numbers looked soft revenue and underlying income came in below expectations. But once I ran the update through my model it became clear the market overreacted. Shares dropped XX% early in the session then recovered to -XXX% by the close. Most likely other investors just needed time to rework their models too. Why the results aren't bad at all: Active customers"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1945859619500290176) 2025-07-17 14:54:20 UTC XXX followers, 7817 engagements "Wise $WISE $WISE.L is one of the best investment opportunities across fintechs because: Wise offers the lowest-cost solution in the industry: the average take rate for personal transfers is XXXX% and for business transfers 0.39%. The blended take rate stands at XXXX% down from XXXX% a year earlier. For comparison Western Unions rate remains around XXX% and Remitlys at 2.3%. The low take rate is a result of Wises advanced infrastructure which took years to build. Replicating it is difficult requiring dozens of integrations licenses and regulatory approvals across jurisdictions. This creates a"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947553482459746688) 2025-07-22 07:05:08 UTC XXX followers, XXX engagements "@Alerts_Bullish @finchat_io $RELY is less profitable despite the take rate of XXX% vs XXXX% Wise's"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947921158583595157) 2025-07-23 07:26:09 UTC XXX followers, XX engagements "@bobspaysubstack Probably short $GPN was a funding for $FI long"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1948031828134105454) 2025-07-23 14:45:55 UTC XX followers, XX engagements "@bobspaysubstack It will be intriguing to see $FOUR $TOST and $XYZ results"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1948013866665082955) 2025-07-23 13:34:32 UTC XXX followers, XXX engagements "A few words about the conflict between $WISE $WISE.L co-founders Hinrikus and Krmann. Hinrikus has long been removed from the companys day-to-day operations. While his grievance may be legitimate I dont believe he has much chance of success. I assume most shareholders would be content if Krmann retained control. So far he has proven to be an extremely effective manager. In any case a conflict (or even a potential conflict) between the two largest shareholders is never a positive development. That said I dont think it will have any real impact on the quality of corporate governance. After all"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947577064124530703) 2025-07-22 08:38:50 UTC XXX followers, XXX engagements "While the market is buzzing with talk about crypto revolutionizing finance $WISE Currencycloud $V and Airwallex are quietly carving up a market worth tens of trillions of dollars. And yes Wise is a strong contender for the biggest slice. $CRCL $COIN $RELY"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1945472133347287517) 2025-07-16 13:14:36 UTC XXX followers, XXX engagements "Wise $WISE $WISE.L is one of the best investment opportunities across fintechs. It's trading at a 2026 FCF yield of XXXX% with a projected FCF CAGR of XXXX% through 2030. A deep-dive research on the stock is presented here:"  [@granaresearch](/creator/x/granaresearch) on [X](/post/tweet/1947991974331482214) 2025-07-23 12:07:33 UTC XXX followers, 10.6K engagements
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@granaresearch Grana Research
Grana Research posts on X about $wise, $wisel, $rely, $crcl the most. They currently have XXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXX +43%
Mentions: XX #
- X Week XX +433%
Followers: XXX #
- X Week XX +353%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence cryptocurrencies XXXXX% stocks XXXXX% finance XX% technology brands XXXXX% exchanges XXXX%
Social topic influence $wise 50%, $wisel 37.5%, $rely 25%, $crcl 12.5%, $coin 12.5%, money 12.5%, investment 12.5%, positions 6.25%, $txn 6.25%, $nxpi XXXX%
Top accounts mentioned or mentioned by @bobspaysubstack @saveonsend @johnhuber72 @investornick @alertsbullish @finchatio
Top assets mentioned Wise (WISE) Remitly Global, Inc. Common Stock (RELY) Circle Internet Group, Inc. (CRCL) Mario Coin (COIN) Texas Instruments (TXN) NXP Semiconductors NV (NXPI) XRP (XRP) Neural Protocol (NRP) First Citizens BancShares, Inc. (FCNCA) Western Union Co (WU) Global Payments Inc (GPN) Fiserv, Inc. (FI) 4 (FOUR) Toast, Inc. (TOST) Block, Inc. (XYZ) Morgan Stanley (MS)
Top Social Posts #
Top posts by engagements in the last XX hours
"The earnings reports from $NXPI and $TXN clearly illustrate why you need to get positioned well before a cyclical recovery actually begins. I know quite a few PMs who started building positions right around the start of earnings season"
@granaresearch on X 2025-07-23 08:27:13 UTC XXX followers, XXX engagements
"The graveyard of crypto MTOs by @SaveOnSend. Tell me once again how crypto will disrupt the money transfer industry $WISE $RELY $XRP $COIN $CRCL" @granaresearch on X 2025-07-18 07:35:38 UTC XX followers, XXX engagements
""Ben Graham said that the market is there to serve us not to be its master. Fortunately there are some great businesses with management teams who understand this: Natural Resource Partners $NRP Medical Facilities $MFCSF and First Citizens $FCNCA are three examples that come to mind that briefly traded at this level at points in the last few years." @JohnHuber72 👏" @granaresearch on X 2025-07-16 13:54:55 UTC XXX followers, XXX engagements
"Wise $WISE $WISE.L currently has the lowest take rate in the industry charging customers just 0.52%. Western Union's $WU take rate is XXX% and Remitly's $RELY is 2.3%. This massive gap is primarily the result of Wises robust infrastructure. Why cant competitors replicate this infrastructure Traditional banks dont pursue this for two main reasons: 1/ Money transfers represent a negligible share of their business roughly XXX% of total banking revenue and about 1-1.5% of consumer banking income. 2/ There is an informal barter system between banks where correspondent banking is just one part of a" @granaresearch on X 2025-07-21 07:55:22 UTC XXX followers, 4368 engagements
"My first deep dive on Wise $WISE $WISE.L is now available on Substack free to read. Like and subscribe Wise: A Disruptor in the Remittance Market" @granaresearch on X 2025-07-21 18:16:48 UTC XXX followers, XXX engagements
"I'm happy to share my updated $WISE model following the Q1 trading update with anyone who follows this account and reposts this post. Once youve done that feel free to DM. A few thoughts on the $WISE $WISE.L update: At first glance the numbers looked soft revenue and underlying income came in below expectations. But once I ran the update through my model it became clear the market overreacted. Shares dropped XX% early in the session then recovered to -XXX% by the close. Most likely other investors just needed time to rework their models too. Why the results aren't bad at all: Active customers" @granaresearch on X 2025-07-17 14:54:20 UTC XXX followers, 7817 engagements
"Wise $WISE $WISE.L is one of the best investment opportunities across fintechs because: Wise offers the lowest-cost solution in the industry: the average take rate for personal transfers is XXXX% and for business transfers 0.39%. The blended take rate stands at XXXX% down from XXXX% a year earlier. For comparison Western Unions rate remains around XXX% and Remitlys at 2.3%. The low take rate is a result of Wises advanced infrastructure which took years to build. Replicating it is difficult requiring dozens of integrations licenses and regulatory approvals across jurisdictions. This creates a" @granaresearch on X 2025-07-22 07:05:08 UTC XXX followers, XXX engagements
"@Alerts_Bullish @finchat_io $RELY is less profitable despite the take rate of XXX% vs XXXX% Wise's" @granaresearch on X 2025-07-23 07:26:09 UTC XXX followers, XX engagements
"@bobspaysubstack Probably short $GPN was a funding for $FI long" @granaresearch on X 2025-07-23 14:45:55 UTC XX followers, XX engagements
"@bobspaysubstack It will be intriguing to see $FOUR $TOST and $XYZ results" @granaresearch on X 2025-07-23 13:34:32 UTC XXX followers, XXX engagements
"A few words about the conflict between $WISE $WISE.L co-founders Hinrikus and Krmann. Hinrikus has long been removed from the companys day-to-day operations. While his grievance may be legitimate I dont believe he has much chance of success. I assume most shareholders would be content if Krmann retained control. So far he has proven to be an extremely effective manager. In any case a conflict (or even a potential conflict) between the two largest shareholders is never a positive development. That said I dont think it will have any real impact on the quality of corporate governance. After all" @granaresearch on X 2025-07-22 08:38:50 UTC XXX followers, XXX engagements
"While the market is buzzing with talk about crypto revolutionizing finance $WISE Currencycloud $V and Airwallex are quietly carving up a market worth tens of trillions of dollars. And yes Wise is a strong contender for the biggest slice. $CRCL $COIN $RELY" @granaresearch on X 2025-07-16 13:14:36 UTC XXX followers, XXX engagements
"Wise $WISE $WISE.L is one of the best investment opportunities across fintechs. It's trading at a 2026 FCF yield of XXXX% with a projected FCF CAGR of XXXX% through 2030. A deep-dive research on the stock is presented here:" @granaresearch on X 2025-07-23 12:07:33 UTC XXX followers, 10.6K engagements