Max Levchin
@mlevchin
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И чтец, и жнец, и на дуде игрец. Affirm, Glow, SciFi. ✡️
SF, CA
Joined April 2008
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Pinned Tweet
Quietly-explosive news last week for anyone who cares about consumer privacy in digital banking and access to credit. Your help is needed! Read on:🧵1/11
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The ultimate startup chronicle book I’d love to read is one filled with honest, raw interviews of 50+ founders of _failed_ startups, truthfully describing what lead to their company’s failure. It would likely be painful to read, but you’d learn an insane amount.
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Obvious, but worth making explicit: next to many CEOs is their spouse/partner, playing an unpaid board member, HR head, strategy consultant, or exec coach, responsible for 50%+ of success, receiving very little recognition. In my case, it’s much more than 50 — thanks to
@nlevchin
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Final numbers for
#ElectionDay
231,556,622 eligible voters
46.9% DID NOT VOTE
25.6% voted Clinton
25.5% voted Trump
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My family & I, & 1000s of Soviet Jews like us came to US as refugees in '91 running from regime that persecuted us because of who we were.
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Me: builds a battlefield simulator in python/pygame over the break to impress 11yo & create a fun way for him to explore basic ML/machine vision concepts. [K's of lines]
11yo:"looks complicated, I can do the same in Scratch with a few blocks."
The future of code is legos 🤣🤣🤣
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Heart-breaking to see the very streets I grew up on torn apart with rockets. Bloodshed and displacement of 1m+ innocent victims are horrifying. I am focusing my charitable efforts on helping refugees, and I hope tomorrow brings better news for 🇺🇦. War is never the answer.
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This might be the time to close the markets for a week or two (we did that after 9/11). Get everyone’s minds to focus on social distancing, expanding testing capacity, vaccine finding... instead of worrying about the utter collapse of their 401(k).
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Please follow
@AuschwitzMuseum
. Their tweets give faces and names to the victims imprisoned, and murdered there. It’s painful to read, but it’s important we are all reminded what normalization of hate looks like. It could happen again, and it must not.
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Today is the result of years of work by hundreds of dedicated Affirmers who believe in honest and transparent finance. And although there is more work to be done, today offers an opportunity to reflect and celebrate.
Affirm is now
#NasdaqListed
($AFRM)! We’re excited about this huge step forward as we bring our mission to life.
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Turning away skilled, driven, creative folks offering to work extra hard for their shot at the American dream is going to send them off to other economies, similarly in need of such talents for their own post-COVID recovery efforts. H-1B holders result in net job creation.
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There are countless bad actors in the finance industry & the CFPB has helped protect millions of consumers. Having served the last two years on the CFPB Consumer Advisory Board, I have found the agency & it’s leadership to be professional, thoughtful & measured in its work.
The Consumer Financial Protection Bureau, or CFPB, has been a total disaster as run by the previous Administrations pick. Financial Institutions have been devastated and unable to properly serve the public. We will bring it back to life!
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More than eight years ago, we set out to take on credit cards and change the way we pay. We built Affirm from the ground up to align with the needs of consumers and merchants and to succeed when they succeed.
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Blocking H1-B visa processing, banning countries entirely & removing protections for employees makes Canada look really attractive for tech
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Sometimes you have to grind for 9 (mythical) man-months engineering something incredible that you know the world really needs.
And sometimes a team of incredible engineers just finds a brilliant shortcut solve that makes it all work right now, this very Saturday morning.
🤯
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Expect an increase in business travel in remote-first world. Many of us can work from anywhere now, but there is no substitute for [at least occasional] in-person moments. So in addition to sales travel (which will return naturally) there will be many going-to-see-my-team trips.
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I try to keep out of politics generally, but having spent the first 16 years of my life in the then-socialist paradise, this rings true: . The poor do matter, and it's on all of us to improve income inequality, but socialism is _not_ the way.
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As much as one wants to power-think through hard problems, often stepping away temporarily is effective. Didn't really believe that before.
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Feeling -very- grown up, having finally overcome a near-pathological fear of touching the minibar. When they ask me next time, did you have anything from the minibar, sir? — I will hold my head up high and say, why yes, yes I did, indeed. The cashews.
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So sad to hear about Tony Hsieh’s passing. A truly original thinker, a brilliant entrepreneur, and a kind-hearted and generous friend to so many.
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Holy bleep, I've lived under a rock. Visual Studio Code is incredibly good: fast and rich, and I've been hacking in it for a single day. Indefinitely postponing plans to get a license plate VI4EVR.
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Happy birthday to the country that welcomed me and my family with open arms when ran from a collapsing, oppressive regime and offered us the opportunities to pursue our dreams. Proud to be a grateful American — by choice. Happy 4th of July!
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Memorial Day holds special significance to those of us who became Americans by choice. Remember and honor the men and women in uniform who lost their lives defending the great democratic experiment. Our gratitude to them is permanent.
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What is happening in Indiana is pretty unbelievable. However it’s dressed up, it’s a signal that discrimination is welcome in this state.
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Thank you
@sama
. Your mark on this field and the world won’t fade.
i loved my time at openai. it was transformative for me personally, and hopefully the world a little bit. most of all i loved working with such talented people.
will have more to say about what’s next later.
🫡
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I’m looking for 200+ people who are passionate about improving people’s lives through honest finance to join
@Affirm
this year. Help me spread the word by RT
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Single best criterion for choosing a co-founder: someone you want to impress, every day. Same goes for choosing a spouse.
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"over half of the nation’s startup companies valued at $1 billion or more were founded by immigrants"
What portion of $1B+ unicorn companies were founded by immigrants, including this guy?
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Best memory from the
#ILLINOIS2018
Commencement Ceremony: getting mobbed by my greatest fans after coming off the stage after delivering the address!
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Loved the Imitation Game — celebrating Turing’s many amazing achievements.
http://t.co/5VLPHqLEdg
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The consequences of taxing of options at time of vesting to innovation in the US would be truly devastating. Draining cash out of unprofitable startups will just cause them to leave.
Call/email your Congressperson and demand this is struck down.
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My family immigrated to the U.S. as refugees. America offered us safety & opportunity. I want that for everyone.
#ToImmigrantsWithLove
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Being a startup CEO feels a lot like pinball machine. On good days, you move the flaps to keep the ball up. On bad days, you are the ball.
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As an immigrant & entrepreneur that has created tens of thousands of jobs here in the U.S. I am beyond disappointed in this decision
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Just keeping up with product, technical, and science developments in AI is rapidly becoming a full time job. There are economies of scale in being able to grasp the technical and science ideas quicker after you get through first few, but the pace of innovation is unlike anything.
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Margaret Hamilton, lead soft eng of Apollo Project stands next to code she wrote by hand that was used to take humanity to the moon (1969)
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CEO of new
@Affirm
retail partner: "first week live w/ Affirm represented 20% of our total GMV, overall sales increased 45%. Data suggests Affirm daily transaction volume will be 2-3X. I think you might have just materially changed the valuation of our next round"
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Today is the day to reach across the lines of political parties, views on vaccinations and masks, religious convictions, and secular views to ignite unity. Our nation stood united, for a time, after the horror of 9/11. More than ever, we deserve to stand united again.
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Entrepreneurship is an endurance sport, so a cycling metaphor’s a must. ‘23 was Team Time Trial for
@Affirm
. So hard, yet so rewarding. We all took turns on the front, sheltered in teammates’ wheels, only to pull again. Stages to go, but in ‘23 we were at our best. Onward to ‘24!
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First direct signs of the long road to return to work. Multiple CEOs I’ve talked to in the last few days are thinking through setting up their own testing regimes. “Infected staff %” will become a KPI.
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110% true, and the more senior you are, the more storytelling is the primary part of your job.
Top-tier product managers = Top-tier storytellers.
It's not just about solving a problem for the customer; it's about creating a compelling narrative for your team and your entire company to rally beneath. Your job isn't just execution, it's inspiration.
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I mean that was a dumb move on my part and all, but no need to embarrass me in front of the entire interwebs, man…
I don't think we are giving
@mlevchin
enough credit for building all these amazing companies. He once told me he is considering investing between $0 and $1M into Postmates. It was $0 in the end, so don't even think for a second I am tweeting this because we are friends.
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What an enormous honor to be here and address U if I class of 2018. What a fun atmosphere, too!
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Is there a site for complete coverage of the many ongoing efforts to treat/cure/vaccinate/research COVID19?
Many projects (eg
@MaxCRoser
’s) are tracking cases/deaths/etc.
I, for one, would like to start my mornings by reading about scientific advances against the virus.
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Love when this happens. A staff member at Public Kitchen in NY recognized
@Affirm
logo on my shirt, and stopped by to thank us for helping her get some kicks on her favorite shoe site. So gratifying! (Bonus, my mom got to hear it. “This new company is doing OK?” Yes it is, mom!)
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Mass shootings cannot be allowed to become something that just happens on a normal day on a normal. It’s past the time our government (local, state, and federal) start addressing this with real gun control measures. We should elect leaders who will stand up to this threat.
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Huge news from
@Affirm
today as we share the news of our latest funding round led by the incredible teams at GIC and Durable Capital. Also humbling to see continued votes of confidence from returning investors.
We’re thrilled to announce a $500 million Series G round of funding and a new interest-free biweekly payment solution that allows consumers to split the total cost of purchases $50 or more, with no late or hidden fees. Read more here
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In case you missed it, my keynote at
#SXSW
on what I see as the next 5 trends that will change the world
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AI cycle is different in that the time to realization of its importance by incumbents was instant (because the early results were so impressive.) This tilts the scales in favor of incumbents vs startups, in trivial applications, unlike past cycles, when startups got a head start.
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Trans kids, soldiers etc need our support today and to know they are valued & respected regardless of politics. Let us not be divided.
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A reminder that (future) software engineers come in all shapes and sizes. E, age 8, hacking on Scratch before breakfast.
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ApplePay is pretty magical. Up until that "now sign this" part.
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I did not agree w President Obama or his party on every issue but his approach to immigration reform esp
#Dreamers
& high skilled was right.
To target hopeful young strivers who grew up here is wrong, because they’ve done nothing wrong. My statement:
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Truly sad news about RBG today. No matter your political lean, Justice Ginsburg is a hero you’d want your daughter to have. May her memory be a blessing.
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Awful to see a Silicon Valley institution collapse in a flash. SVB helped so many startups over the years with capital and advice. Affirm doesn't partner with SVB, but my heart goes out to all the startup CEOs who now have one more crisis to deal with. 💔
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Unintended consequences: Google account security logs me out at seemingly random intervals, for no reason. My paranoia that my (two-factor-auth!) accounts have been compromised is high! Amazon -- I never worry about: they never even asked me to change my password in 21 years.
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Infuriating and exhausting. First hand experience:
@nlevchin
and her team at
@scifivc
built and run a small venture fund with returns better than most of the top tier VC world. The headline is always “Max Levchin invested.” Lazy and sexist.
My wife built and founded an amazing company. I've had almost nothing to do with it.
But for some idiotic reason the sexist conspiracy theorists on the internet keep claiming I'm the founder. This is so exhausting.
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Chag Kasher V’Sameach to those of us celebrating. 🫓🫓🫓
Am Yisroel chai! ✡️
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OK, I cannot be the only email power user who (after years and years of trying) just _cannot_ make gmail native interface work for me. And yet, searching gmail "folders" on Airmail 3 just sucks. What OS X mail client you use, email power users (must work with gmail)?
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Last commencement-related tweet, for a while, promise ;-) I posted the full text here:
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19 years ago I wandered into PayPal's communal kitchen looking for my team, all huddled around a tiny TV in horror and disbelief. Remember the lost, honor the heroes.
#neverforget
.
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Excited to share the latest developments at Affirm - new funding, new team members and a renewed sense and dedication to expanding our mission of honest and transparent finance.
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Pro-tip: when cold-emailing someone with a "personalized" sales pitch, do try to get the details right. "It's really been a while, Matt -- let's try to do something together" isn't all that likely to convert in my case 🤣
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Congratulations
@rabois
, bringing his exceptional talent-spotting skills and inimitable risk-taking style to
@foundersfund
, after a stellar run at
@khoslaventures
. Proud to have both funds as investors in
@Affirm
:)
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We are putting our core values on our walls. Every line was hand drawn by an Affirmer. Looks (and feels) amazing!
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Cat finally out of the bag on Visa Flexible Credential, which allows cards to switch between debit and credit on a per transaction basis with user's choice. We worked closely with $V on this for the Affirm Card and are so excited to see it live after years of work. 1/2
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This funding allows
@Affirm
to continue to grow our point of sale credit business, expand into new verticals, offer new services for our merchant partners, build new products within the new Affirm App and begin our international expansion.
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Let’s talk about APRs. Surprisingly few people grasp how they work and as the Fed ramps its rate, APRs are important. Credit cards use APRs to compute additional interest you owe them every month. Affirm computes the total cost exactly once, and never increases it. 🧵1/
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Encouraging and approving all leave for next two days for any of my employees that want to help get involved in the election and VOTE.
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As a nation of immigrants, we must not close our doors to refugees, and all those willing to contribute to America's success.
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How will Affirm perform in a downturn? Will our risk management hold up in a recession?
This was the topic at our earrings — I offer my expanded thoughts here:
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Business leaders from across the USA encourage
@realDonaldTrump
to preserve DACA. I am proud to have signed this letter.
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A first-hand account of 10/7 and what it means for many moderate and liberal Israelis. Worthwhile read.
A month ago, at this hour, I had to tell my two daughters - 3.5 years old and 20 months old - that they must remain completely silent. No word, no cry.
It was 7AM, they had just woken up in a dark room with no electricity or food, and five people were shouting outside the window.
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