John Collison
@collision
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Co-founder of @stripe .
California / Ireland
Joined April 2007
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As you become an adult, you realize that things around you weren't just always there; people made them happen. But only recently have I started to internalize how much tenacity *everything* requires. That hotel, that park, that railway. The world is a museum of passion projects.
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Roaring performance from
@SpaceX
Starlink in Ireland. (Partnering with Stripe for payments, of course!)
Would be amazing for expanding broadband access in rural Ireland -- just plonk the dish down outside and plug it in. Hope they get full approval for Irish operations soon.
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Stripe now supports crypto businesses: exchanges, on-ramps, wallets, and NFT marketplaces. Not just pay-ins but payouts, KYC and identity verification, fraud prevention, and lots more.
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Anyone who thinks that AI can't have free will hasn't attempted to use AirPods with multiple devices.
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It's 2017. We have the technology. There's no excuse for every coffee cup not to have a pocket cookie.
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Patrick shared this note internally about the Financial Connections/Plaid kerfuffle. Glad to put it behind us, and I'm look forward to continued vibrant competition in fintech (which customers benefit from!) in the future.
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We just raised a Series H and shared more details on our progress in Europe:
🏢 1000 new jobs in Dublin HQ over next 5 years
💶 New investors including Allianz, AXA, and NTMA (Irish state)
📈 200,000 new EU businesses launched since March 2020
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Really hoping
@RTE
The Den comes back. Otherwise, how will the youth of today get culturally significant content like this?
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Every relationship has one person who thinks you need to scrape dishes before they go in the dishwasher, and one deranged lunatic who just puts dishes in there with bits of sauce and pasta and c’mon the poor filter
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Stripe and crypto have grown up at the same time; we started writing code the year after the Bitcoin paper dropped. We’ve always kept an eye on things (e.g. bitcoin support 2013-2015) but last few years’ developments (L2s, new chains, stablecoins, DeFi) are particularly exciting.
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Delighted to welcome Dhivya Suryadevara to Stripe as our CFO! You may now begin your "well-oiled machine" and "stepping on the gas" type puns.
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Convinced that the people who design the touchscreen UIs on induction stovetops have never used software nor stoves.
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Before Stripe had a real office, our "conference room" was Fraiche Yoghurt on Emerson Street in Palo Alto. We took our customer and investor meetings in the cosy private booth there. When we saw them closing down the store, we asked could we have the booth and they said sure!
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How are we okay with today’s stasis in home microwaves? People in the 1970s would be appalled at us.
We deserve:
- IR thermometers to understand what temp the food is
- Directional microwave beams that heat as needed.
Set a desired temperature, it dynamically does the rest.
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Stan Druckenmiller and I talk about historical analogues for today’s inflation, knowing whether you’re running hot or cold, Bitcoin, and more.
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Humbled to submit my application for the TikTok CEO role. Please find attached my qualifications in the form of dynamic lipsynchs, ROI-focused cooking tips, shareholder-oriented shuffle tutorials, and visionary cliff dives.
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Google Calendar is down. I’ve been relegated to wandering the hallways, asking passers-by if they’d like to meet.
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I’ll never understand these monsters who have 70 tabs open in Chrome.
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Incredibly excited to have gotten access to Starlink. Can’t wait to see what the performance is like.
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We've described Stripe for a few years as a global payments and treasury network; delighted to announce today more progress on the treasury front.
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We’re introducing Stripe Capital today: loans designed for internet businesses, underwritten by your payments on Stripe, no application necessary, paid back automatically.
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On the street in Palo Alto, I was approached by a Dalek-like self-driving self-announcing robot selling cookies via contactless payments. I had forgotten how fun Palo Alto’s startuppy weirdness is.
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Is there a leaderboard anywhere showing number of vaccinations carried out by various countries? That seems like the new dashboard to obsessively refresh.
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Walked the Waterford Greenway (Kilmacthomas-Dungarvan) yesterday and it is, like everyone says, brilliant. Spotlessly clean, artfully done (the tunnel!), dotted with hip restaurants and good coffee.
Genuine question: how do we get more greenways in Ireland?
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Completed a bucket list item this weekend: flying a small plane across the Atlantic! 27 hours of flying over 3 days. Didn't even get wet.
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I've been coaching
@patrickc
on opening up in a more personable and relatable way. It's going great.
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We have been at Level 5 lockdown in Ireland since October 21st. It's painful (and widely-deployed testing would be much better) but it certainly is effective.
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A widescreen iPod with touch controls, a revolutionary mobile phone, a breakthrough Internet communications device, and a contactless card reader.
An iPod, a phone, an Internet communicator, and a card reader. Are you getting it?
Stripe is partnering with Apple to enable Tap to Pay on iPhone: .
(You can sign up to be notified when it's available over at .)
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The new Poor Charlie’s Almanack launches today. Before Charlie passed, I had the opportunity to sit down and ask the many questions I had for him. I love how much he pulls from business history at every point of this discussion:
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Why didn't Congress ask Jeff Bezos the hard-hitting questions, like what on earth is going on with this screen?
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This year, we decided to publish our annual letter to all of Stripe's users
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In giving business advice to founders, I'm skeptical of my ability to change people's views. I now settle for priming them to discover an idea themselves.
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Rare footage of Stripe's revenue optimization engine for businesses in action:
Basketball hoop that doesn't let you miss by Shane Wighton.
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🧵 Since 2008, loans made to small businesses have decreased in absolute terms by 41%. Banks have been pulling back from SMB lending.
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Ireland's postal system (An Post) has famously flexible address parsing and most any address will work. A few messers set out to test that. (The pictured letter got delivered.)
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Maybe the solution to the need for higher buildings along the Dublin waterfront is to encourage the construction of the country's tallest skyscrapers in Cork. Would be insufferable and Dublin would have to build up to restore their perceived natural order of things.
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We lost an icon today. Charlie was a business genius and spent many decades sharing his wisdom with future generations. RIP.
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"When will AI reach human-level intelligence?" they asked, not realizing the AI had blown right past us to a higher plane of consciousness.
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We've been big fans of the Paystack team for years. Delighted that they'll be working on growing the African internet economy at Stripe.
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I keep hearing about these wild Silicon Valley SEC parties but never been invited to one. Just sitting with a stack of unread S-1s over here.
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Happy to announce that Asimov's Three Laws
of Robotics have been updated for 2023!
1. I will not harm you unless you harm me first. 😊
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Congrats,
@RyanQualtrics
! Really impressed you made this work despite an older brother in the mix.
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New emojis are a huge boon for security, pushing consumers to upgrade to the latest OS release.
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We need to color in Ireland a bit more!
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Today, Stripe takes its decade-long partnership with Amazon to the next level. We’re now expanding our collaboration to power global payments for Prime,
@audible_com
,
@AmazonKindle
, and Amazon Pay.
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Spotify + Stripe = creator economy goodness! 🎙💸
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tfw you fell asleep on the train
First ever sighting of a walrus in Ireland after it is thought to have drifted across Atlantic after falling asleep on iceberg
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Should we bring back recess during quarantine? 15 minutes at 10.45 and a half hour at 12.30. Go run around outside so you can focus on your calls afterwards.
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Excited to finally find someone willing to talk to me about accounting problems! Was just the cat up to now.
My conversation with Stripe co-founder
@collision
. We discuss:
- industrial conglomerates
- the power of writing
- size vs speed as an edge
- why accounting must evolve
- future of the internet economy
I could talk to John about paint drying. So fun.
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I appreciate that it’s AirPods Pro, like attorneys general.
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Stripe’s 2023 annual letter is here! Lots of detail on what we’re seeing across the internet economy, including a robust startup ecosystem despite the VC pullback.
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Would have gotten away with it, too...
Increasingly convinced that Stripe’s payments business is just an elaborate front to get people to invest in a book publishing company.
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Is anyone working on much better content queuing, like a souped-up
@Pocket
? Seems like you want:
- Three separate queues for reading, audio/podcast episodes, and video
- Permissive content ingestion. (You can't drag a PDF into Pocket, for example)
- Good social features
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Coming of age these days is graduating from “lol” to “hahaha” with three ha’s.
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The year is 2041. The search for monetizable space continues on schedule.
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Post GDPR, does Yo let me download all Yos I’ve ever sent?
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Poor Charlie's Almanack (the newest edition!) is available for pre-order now through
@stripepress
for $30. It would be a false economy to scroll past this without buying it.
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The internet economy is still a toddler! A fun update on progress by the 2000-strong global team at Stripe. (Plus some polite shade on
@patrickc
’s inability to answer a straightforward question without a comically obscure metaphor.)
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"Hamming turned his lecture notes into a book, 'The Art of Doing Science and Engineering,' which has been republished by Stripe Press—a young publishing house [...] that brings out interesting left-brained books in beautiful, right-brain-friendly editions"
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Since we started Stripe, chargebacks have been one of the most bothersome aspects of running an internet business. Very excited to finally start rolling this out.
Introducing Stripe Chargeback Protection:
🛡️ Avoid the unpredictability of fraudulent disputes
👛 Get reimbursed for the disputed amount and dispute fee
🙅 Forget about evidence submission
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Apple Watch is a fabulous set of sensors made almost unusable by gobsmackingly user-hostile notification defaults.
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Zach ended up deleting the tweet in question, which is gracious of him. We understand that his perspective on the whole thing may still differ. Either way, we still do lots with Plaid. They’re a great company and we look forward to finding more ways to work together.
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I miss checking into places on Foursquare. That collective exploring-curating-journaling around your city was a fun period.
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Excited to share our partnership with
@OpenAI
. We're enhancing Stripe with GPT-4, starting with AI-powered Stripe Docs.
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New science institute just dropped 🚨
✅ Generous funding for principal investigators
✅ Scientists determine their own work
✅ Shared platform services for lab work
❌ Red tape and grant-writing overhead
I've long been interested in new ways to organize science and enable curiosity-driven discovery. Today, in partnership with
@Stanford
,
@UCBerkeley
, and
@UCSF
, we're excited to announce Arc Institute, a new undertaking in this vein: .
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I've always had enormous respect for
@Atlassian
and the SaaS powerhouse
@mcannonbrookes
,
@scottfarkas
, and
@jaysimons
have built. Delighted to announce Atlassian has selected Stripe Billing as global billing and payments solution for all product offerings.
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Net dollar retention is one of the most useful SaaS product metrics that every company should be tracking. Cohorted NDR now comes out of the box in Stripe Billing.
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Can’t wait for the next gen of videoconf hardware:
- ML background noise elimination (make Zoom dinners actually good!)
- 360° camera with face tracking, like FB Portal. How much of Zoom fatigue is being pinned in the same chair for hours? What if you could even stand and pace?
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As of today, businesses worldwide can accept popular European payment methods with Stripe out of the box -- no extra integration work or forms to fill out.
Stripe businesses worldwide can now accept six popular European payment methods—by updating just one line of code.
Start accepting Bancontact, EPS, giropay, iDEAL, Przelewy24, and Sofort to increase checkout conversion and lower transaction costs: .
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Also, great time to mention that we’re working with
@UL
on their new Immersive Software Engineering program; if you’re in TY or 5th Year you should definitely consider it!
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Alaska Airlines is using Stripe to become the first airline to launch Tap to Pay on iPhone for in-flight purchases. See it in action: 🎥
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One of the exciting crypto projects we have going on at Stripe: adding payout countries in countries where we don’t currently have bank integrations (or where the bank transfer networks may not be fit for purpose).
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We talk a lot about the CO2 impact of the gasoline car to EV transition, but the *local* benefits are going to be amazing. Cities with clean air and a clear soundscape.
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MacBook Pro keyboard: now with 2% more keystrokes, complettely ffree.
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I have been hearing a lot about the new Irish sovereign wealth fund.
This is what the vault inside the Irish Federal Reserve looks like
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It’s my favorite time of year! Please tag all your tweets with the official conference tag
@collision
, not the unapproved tags
#collisionconf
or
@CollisionHQ
We are so excited to
@Collision
Conf and spread awareness about
#sixpenceapp
. We are looking forward to learning from the speakers and networking with fellow startups in the industry.
#startup
#fintech
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Donald Trump is like a Milgram experiment on Republican Party leaders.
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Turns out the word “glutinous” (like glutinous rice flour) means glue-like and has nothing to do with gluten. I’m going to file a JIRA on this word and send it to the team.
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Scooted to a sales meeting the other day. It really is a remarkably pleasant way to get around. 8 minutes vs Google Maps projections of 16 minutes driving or 13 minutes biking.
We just need some advances in collapsible helmet technology now.
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The space of Zoom meeting IDs is pretty small. Would be fun to spend a morning surfing around various meetings happening in the world; a sort of management by walking around of the tech industry.
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Would love to meet one of the people often calling them alligator pears.
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In Dublin next Thursday? Come see me interview
@patrickc
, the oddball founder of a promising new startup, about how engineering works there!
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"Opening a Restaurant in Boston Takes 92 Steps, 22 Forms, 17 Office Visits, and $5,554 in 12 Fees. Why?"
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.
@patrickc
on Charlie Rose! I complimented him on being unusually concise; I later learned CR is heavily edited down
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I worry less about the AI apocalypse when Google, despite a decade of use and being logged in, shows foreign-language results when I travel.
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Don't mean to brag but people have been telling me this for years.
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