Building neobanks at Whish Money | Ex - @plumenetwork. Ex-HashKey Capital. Recovering decentralization enthusiast.
Joined December 2021
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Hate to say it but I’ve been on this page for the last few years
Limited amount of defi exposure — the rest on CEXs
Kind of a sick idea honestly
Palmer Luckey reveals the startup he'd build today: oxytocin doping to end divorce
"I would try to end the tragedy of divorce with oxytocin doping for marriage counseling."
"We understand mammal pair bonding pretty well. There's a lot of people who want to stay together. Most of the people who don't want to stay together should stay together, especially for their kids."
"And we can, if people think SSRIs are fine, which they're not, but if they were, then oxytocin doping to stay together is definitely fine."
"It's the mammal pair bonding chemical. There's things you can do to increase the uptake, and it's very well understood. Also, totally unregulated, which is great. Unregulated spaces are a lot easier to do. You can go buy a kilogram of oxytocin on Sigma Aldrich Chemical Supply right now, and if you do that, maybe you won't die alone."
"It's pure biology. It's used for women who don't bond with their kids, and now for women who don't bond with their husbands. It's also used for kids with various neurological issues, some kids with autism who struggle with pair bonding."
"The cool thing is it's a self-reinforcing loop. We understand that very well. Unlike most drugs, it doesn't form a chemical dependency. It actually unburdens you from a chemical dependency."
Jack Ratkovich retweeted
I give it 5 years until the last docx will be phased out for Markdown.
Computers are for agents now, and token-efficient representations will dominate.
It's going to be Python, Markdown, and JSON all the way down.
Jack Ratkovich retweeted
Strong Pokemon. Weak Pokemon. That is only the selfish perception of people.
Truly skilled trainers should try to win with their favorites.
Everyone’s talking about the yen today — I released an article last week talking about my expectations here
Yes it’s bad. The response could be good for crypto though.
Brilliant idea
Meet Crumbs, built on Robinhood Chain.
Shop at Costco, get $COST. Buy from Apple, get $AAPL.
Turn eligible receipts into stock-token rewards from the companies you already shop with.
Join us before launch: crumbs.family
NYC dating apps vs other cities is like Netflix vs Cable
There are so many options, you end up with decision paralysis and often can’t figure out what to watch
Jack Ratkovich retweeted
Life hack:
If u have a poor attention span, can't focus etc
Commit a crime that gets u sent in prison for 1-3 months
That way ur forced to reset ur brain bc u cant scroll or do anything else than sit in ur cell all day long
You'll come out as a different man and make millions of dollars because you have unlocked superhuman levels of focus and mind control
The original "dopamine detox"
Someone tried to hack my X account this morning. It’s already that point in the cycle.
Make sure to activate 2FA
I feel like this has been tirelessly reiterated but the crypto market is at saturation and I don't expect it to grow enough to justify competing.
You're not competing with major CEXs or Phantom or Rabby for marketshare over crypto users. It just won't happen.
And net new users aren't going to be "degens" who care about things like self-custody or any of the "cypher-punk" ideals.
Depending on your market, new users will want things like storing their money outside their local banking systems. They shouldn't need to understand or even see the crypto element to be able to accomplish this.
The industry has changed. It's time we all grew up with it.
my #1 advice to all of neobank founders…
stop building for just the crypto audience.
99% of people don’t care about crypto, stablecoins, or what infrastructure you use.
positioning yourself as a “crypto neobank” just limits your market.
instead build for the 99% of consumers who simply want a better banking experience.
just because your infrastructure runs on stablecoins doesn’t mean your brand has to revolve around them.
I expect @glider__ to crush it over the years
Imagine, even beyond crypto / tokens: I have a certain amount of money entering my account every month.
I want to DCA into a fixed portfolio composition without thinking about it, rebalance automatically, etc
Such a cool tool.
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Jack Ratkovich retweeted
the dynamic bubbling under the surface:
there are not enough buyers of US debt, which is a huge, huge problem. long dated treasury bond yields are the tell
so perhaps the only endgame the US has left with all of its debt
is to package it up as stablecoins, put it onchain, and start eating currencies around the world
if they actually end up doing this, then you will not be able to even imagine how much higher things will go
this will eventually become a driving narrative as things like CLARITY pass (or other regulatory easing), and we get further into the bullish party of the cycle