Mengxi Lu
@mengxilu
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Builder of @kanmonhq , we are hiring! | Bug fixes and performance improvements | Email: contact (at) | @DukeU
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We are hiring for many roles at
@KanmonHQ
:
- Engineering (Typescript/Nodejs/Data/Infra/DevOps)
- GTM (lead, account exec, sales ops/analyst)
- Head of customer success
- Head of BD
Come to build the future of commercial credit infra with me and
@rnsharma
! DM is open!!!
Come to work with me to build the next generation of fintech infrastructure. We are on a mission to unlock 1-trillion-dollar of working capital to accelerate the global digital economy.
DM is open!
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If Elon Musk stopped drinking Starbucks after college and saved the money, he would be able to buy 10% of Twitter instead of just 9.2%.
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Enterprise sales/customer success team helping clients launch POC 😂
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Square buying Afterpay in all stock is the ultimate demonstration of how buy now pay later works
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Just imagine working at Square this week:
* Bitcoin is back at $50k
* We are a bank now
* We bought a music app and Jay-z became board member
And it is just Thursday
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Stripe's EBITDA profit is $100M, and they processed roughly $1 trillion in 2023, which means their profit margin is 100m/1tn = 0.01%.
Can't believe this is a $65bn company.
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VC investing process:
founder under 28 yrs old?
/ \
yes no
/ \
does founder meh
speak v fast?
/ \
yes no
/ \
lead small check
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Jack has fully transitioned from Twitter CEO to a Twitter user.
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Found this gem of "How Slack Decides to Send a Notification" flowchart.
This is a perfect example of "how hard could that be..."
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So Bain advised top VCs on due diligence during the bull market, and advised big tech cos on layoffs in a bear market.
Just amazing.
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If this is true, we know that OpenAI has 40 people on H1-B Visa
738 of 778 employees have signed the employee letter to the board.
Phones must be ringing off the hook for the remaining 40.
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Zoom' story is inspiring, but if you are impressed by their capital efficiency, also check out $VEEV (Veeva):
- Raised $7M seed from
@emergencecap
and angels in 2003-2004
- Went public in 2013
- Current market cap is $17.9b
$7M is all they raised before going public.
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The AUM of BlackRock by the end of 2020 is roughly equivalent to the entire global hedge fund, private equity and venture capital industries combined
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Tencent made over $120 billion in 2020 from its holdings on minority interests of 100+ listed companies.
🤯
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The year is 2030, Doritos launched Doritos Pay™ to compete against Cheetos Checkout™
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Startup idea from being a new dad: I would pay $$$ for an AI product that can learn and translate baby cries to a list of actionable items 😭
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There could be a multi million dollar industry around cleaning up AirPod cases
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Top fintech companies out of YC (ranked by valuation)
1. Stripe (S09)
2. Coinbase (S12)
3. Brex (W17)
4. Newfront (W18)
5. Wepay (S09)
6. Payfazz (S17)
7. ClearTax (S14)
8. Axoni (W14)
9. Flutterwave (S16)
10. FutureAdvisor (S10)
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VC: how much progress you have made on product development?
Fintech founder raising series A:
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Building a life insurance product for Stripe competitor founders, 10k+ on the waiting list and growing fast. DM if you are investors in this space!
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Startup idea: infrastructure to enable every API companies to have a SQL interface for their data-rich API products
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The year is 2030, people connect to 50+ crypto wallets so they can send money and shop online in web3
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Come to work with me to build the next generation of fintech infrastructure. We are on a mission to unlock 1-trillion-dollar of working capital to accelerate the global digital economy.
DM is open!
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This is the future of money but it is still difficult for average consumers to do so.
I am working on a startup that helps you mint your SSN with just one click. DM me your name and ssn for early access.
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A venture-backed fintech startup has been profitable for 4 straight years?! this goes against everything I know about fintech
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Wow, Intuit is buying Credit Karma for $7bn.
What a week for fintech.
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Convincing in-network folks to join your startup is 10x harder than convincing VCs to invest
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The more I use Zoom/Google Hangout the more I believe video is completely unnecessary
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I deeply believe that the next wave of consumer FinTech startups will not be in US or China, it will be in:
1. Indonesia
2. India
3. South Africa
4. Brazil
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Citi global CFO just published this powerful piece "I can't breathe". Rarely see a large institution taking a stand like this, much respect
#GeorgeFloyd
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VC: “we don't invest in lending business, period”
Also VC: “BNPL for healthcare? Net 30 for wholesalers? Affirm for B2B payments? We LOVE these deals”
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This post is a perfect example of a niche tweet suddenly entered a much bigger TAM
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The fact that Apple's first consumer banking product was a credit card while Google's would be a checking account, tells you a lot about how they think about their core consumer base
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My oldest one kept wanting to release his brother’s birthday balloon, I don't know how to tell him that the last thing I want is a story of balloon over Oakland airport and it was from a Chinese family
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This dude is raising a pre-seed for a fintech idea, DM me your TS.
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It has never been easier to start a fintech company.
It has never been harder to scale a fintech company.
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"We use alternative data to establish a moat in our credit underwriting"
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Thoughts and prayers to SaaS founders who raised at peak multiples in 2021, and took out a loan from Pipe, and moved money to crypto-based treasury platforms.
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Founder: “everyone is building risk-on real-time payments, we enable merchants to get paid even before the transaction happened!”
“Loan, you invented loan”
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Last weekend I took a look at all the angel investments I've done in the last few yrs, among all the "best performing" ones, almost none of them had a smooth and blockbuster seed round.
Success came from non-stop grind, instead of external validations from VCs. Keep building.
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A good friend is building an exciting fintech startup, can only reveal the tag line for now:
----------
Grow Now. Pay Later.
Much Later.
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The best time to join Plaid was 7 years ago, the second best time is now
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After talking to our VC friends, my wife and I have decided to only talk to each other via APIs
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Been packing stuff recently and found this gem from the old files.
If you know you know.
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Took me almost 2 years to get my visa sorted out to go thru a risky fundraising process and start my own company. This will change lives and create jobs 🙏
SCOOP 🍿 A Silicon Valley lawmaker and venture capitalists are teaming up to create a startup visa, providing a path for immigrant entrepreneurs to stay. The bill will be introduced on Monday. Details here.
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Do any VCs (funds) do any post-mortem on deals they passed but shouldn't have? Curious what that looks like.
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The pitch: "think of this as Plaid for content, one API to get internet content in structured data"
Me: "RSS, you invented RSS"
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Our little bundle of joy has arrived! Introduce Yiyang Lu (路熠扬) 👶
@_linglingchen_
did an incredible job yesterday! And We are very grateful for all the warm wishes ♥️
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Thoughts after getting 180+ DMs from 1 tweet:
1. Can't believe this site is free
2. Can't think of any other products that are more broken than Twitter DM
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I have a lot of N95 face masks, I will give you 10 face masks in exchange for 1% of the equity of your next startup.
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I have a brilliant idea that nobody has thought of before: API to access payroll data
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Why fintech pitches are all coming in by themes now?
April: ACH fraud
May: Plaid for Payroll
July: SaaS contract securitization
Is there a Google calendar I can subscribe to?
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My 10-month old is done with these two books, where can I find ”fintech for babies” next?
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Can not believe this content is free. The payments 🐐 Tien-Tsin Huang breaking down the payments software and payfac-as-a-service thesis and opportunities.
(h/t
@MAustin4249
)
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Want to try something new this year.
I'd like to write at least 1 blog post per month *with a friend*: pick up an interesting topic and collab w/ someone who also has interesting thesis in that space.
The idea is to make new friends by learning something new from each other.
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Airbnb: charge $80 cleaning fee while "please make sure you take out the trash and wash the dishes before you leave" 🙃
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Have been living in the US for almost 10 years and I still don’t understand why vision, dental and personal health need to be 3 different insurance
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LendingClub is acquiring Radius Bank. $185M for:
1. A core banking platform w/ decent number of clients using its BaaS APIs
2. A suite of commercial lending and treasury management products
3. A direct relationship with key regulators
What a steal.
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Someone should just create a syndicate called and invest in every single ACH startups (analytics, fraud, chargeback, automation, etc.) in the next 5 years.
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The FinTech VC dilemma:
Consumer pitches: CAC is for losers, this should pivot to B2B
B2B pitches: this doesn’t seem to have the same TAM as a consumer play
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Instead of raising a $1M seed, I would rather getting $50/month from value-add investors for the rest of my life
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It is that time of the year that the internet is reminding you:
1) you are over 30 years old
2) you haven't achieved anything
3) you are over 30 years old
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PayPal just got the green light to take part in the emergency SBA lending for small businesses. 🚀
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Today is a rough day for all Asian kids living in the US. Their parents just found out that Doordash was founded by three second-gen Chinese Americans who all went to Stanford.
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2022 is the year of Tiger according to Chinese zodiac.
So was 2020 and 2021 according to VC zodiac
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What happens in your head when you do 27*48/(e^31-742)?
PLEASE respond I'm tryna see something
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A lot lessons can be learned from how Prosper and LendingClub started out with disruptive biz models, but were forced to plug into the rest of the legacy financial systems as they scale, and in this process they effectively became lead gen for traditional lenders
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