If brand names and status seeking and social climbing is your thing, you will be chasing growth stocks at tops forever.

Hot take: 99% of 'AI-powered fintech' is just • Basic automation • Off-the-shelf APIs • Marketing buzzwords Show me your research Show me your ML engineers Show me real innovation Or stop pretending that you are building an AI company, and not distributing the innovation of others Nothing wrong with being a sales workflow organization, but you shouldn't get 100x on your revenues.

Think bigger or stay smaller

Unpopular opinion: The intersection of AI and fintech isn't where most think it is It's not: - LLMs doing customer service - Chatbots handling complaints It's: - Real-time fraud detection - Automated underwriting - Risk scoring at scale Follow the money. Banks are spending hundreds of millions on these categories at companies you haven't followed. The valuable stuff touches the money.

Machine Economy predictions for 2026: 1. AI agents will control >$1B in assets 2. Autonomous DePIN services will generate real revenue 3. Machine-to-machine payments will 10x 4. Several AI-only DAOs launch 5. Digital labor markets emerge The future isn't human OR machine It's human AND machine But the machine economy will grow faster than anyone expects. There are only a few crypto bets that are credible on this space. Peaq in the lead.

Every major tech breakthrough had its critics: • Internet: "Just a fad" • iPhone: "No keyboard = fail" • Bitcoin: "Digital beanie babies" • AI: "Just pattern matching" Being consistently pessimistic makes you sound smart And it feels good to be a skeptic when others inevitably fail Being consistently optimistic makes you rich I struggle when the markets are bad and crime is rampant, who wouldn’t?  And then 6 months later all the banks are launching stablecoins and crypto is law.

Dead Internet theory at work. I think I am going to give up now.

Unpopular opinion: The smartest people in crypto? Mostly ex-bankers and academics, like physicists. The best protocols? Built on academic research (e.g., cryptography). The biggest adopters? Traditional institutions like asset managers.

You don't need 100 good decisions You need 1 GREAT decision That's why the best investors look insane They're playing a different game Power laws eat linear thinking for breakfast

Here's what nobody tells you about success: It's built on a graveyard of mistakes Powered by failed attempts Fueled by wrong turns The space between your wins? That's where the real work happens