Random thoughts after trying 3 amazing AI+consumer tools @a16z highlighted:. @mindseraAI provides coaching to improve journaling and reflection. It uses guidelines and methodologies, aiding those who struggle with writing, like ChatGPT's recommended questions.

Comet @PerplexityComet is good at certain tasks .- Repetitive tasks .- Parallel tasks It does a good job on finding all sbc events and register for me . It is bad at single webpage operations. Human can do better. Like booking hotels.

Would love to see more coming to @Chronicle_HQ :. - Improved import features, including image support.- More widgets; Cards could be more fun.- Data charts.- Auto-generated "napkin" graphs.- Easier image size and spacing alignment.- More themes and fonts.

@Chronicle_HQ help me solve these issues:. - Changing the layout is difficult, even with the same content.- People get easily distracted during presentations.- Can't fit everything into a PPT, and images can't be zoomed in.- Card-like widgets aren't native

It @Chronicle_HQ makes creating PPT fun. My journey with PPT began with PowerPoint. @Pitch surprised me with its collaboration features and beautiful designs. Chronicle introduces a new narrative, "Storytelling," for the mundane PowerPoint space.

Con:.- Lacks flexibility. Many redirects between datasets and playground. - No native open router support; manual model name and price setup required. - Slow data retrieval; prompts result take long. - Lacks easy tool support. - Can't use attachment content as prompt variables.

Borrower get lower capital cost. Lender get lower risk exposure.

With ZKTLS, recall the loan whenever there is a risk. Reduce the financial fraud. In this way, it can reduce the default rate. This makes lower interest rate or lower collateral requirement for borrower. Borrower get lower capital cost. Lender get lower risk exposure.

But you are right, the default can still happen. Enforcement is the key missing piece for credit lending. Make sure lender always get the money back in short amount of time. High punishment on borrower default.

ZKTLS + Lend ~ Credit Lend. ZKTLS is bringing Credit Lending back to 2022 pre FTX crash level. ZKTLS enforce borrower balance sheet transparency. Lender get authenticated financial data from bank, lending desk, exchanges, performance data , wallets, instead of a random excel

Thanks for the review and suggestions @niarbnotna @dberenzon.

Treat cards as loss-leading user funnels, then quickly stack on credit, risk systems, and B2B APIs — just like Square did post–Cash Card.

The way forward. 1️⃣ Verticalize infra: Provide blockchain, KYC, compliance, ledgering, BIN sponsorship. to neobank clients. 2️⃣ Bundle high-margin services:.•Lending, credit.•Trading.

Asymmetric opportunity: QR payments in Asia. APAC leapfrogged cards and went straight to QR payments. Southeast Asia’s QR volume is projected to grow 590% by 2028, with >80% merchant acceptance. In China, almost every store supports QR. @PayWithRipe is a standout in this space.

Market Landscape Snapshot.•CEX cards = retention tools.•Protocol/wallet cards (MetaMask Card, Cash, Morph Black…) = DeFi UX upgrade.•Fintech startups (Holyheld, Offramp…) = UI innovation, but same monetization struggles

Why did Infini withdraw?. Infini operated on a "prepayment + daily interest" model. Compliance, sponsoring banks, networks, KYC, custody, liquidity. each layer takes a cut, leading to the disappearance of gross profit.

How Profitable is Web2 Cards. In the U.S.: The issuer can earn up to $0.21 + 0.05% per $100 debt tx. Smaller banks can earn more. Chime: Interchange fee is 76% of its 2024 revenue. 72% Q1 2025. Amex: Merchant(interchange) fee = 50%+ revenue. Discover: Interest = 50%+ income.

Crypto Card allows you to store assets on-chain and use them offline with Visa/Mastercard. However, it heavily relies on third-party providers, has low interchange fees, no credit, and minimal balance interest, resulting in almost no profit for the issuer.

🚨 @0xinfini announce the closure of all Crypto Cards starting June 17, citing reasons of profit compression and rising compliance costs. Crypto Card doesn't seem to be a good business. How does a Crypto Card make money? why is the Web2 Card business doing so well?

未来正确姿势. 1️⃣ Card-infra-as-a-service： 提供 Blockchain 基建，KYC、合规、账本、BIN 赞助等模块给其他 Web3 / neobank；. 2️⃣ 打包高毛利服务：.- 借贷，信用.- 交易. 把卡当“亏损引流器”，快速叠加信用、风控、B2B API — 参考 Square 在 Cash Card 之后的打法。.

非对称机会：亚洲扫码支付. 亚太早已跳过刷卡，直接进入 QR付款， 超级钱包的时代。东南亚 QR 交易预计到 2028 年增 590 %；商户接受度 >80 %。中国几乎每家商铺都支持扫码付款。 @PayWithRipe 是其中的佼佼者.