Soumeya B.

Soumeya B.@soumeya · 2026/04/17观点输出

Benioff is one of the last to admit this but he is still righy. Once the API becomes the UI, the wrapper stops being defensible. What survives: proprietary data, workflow, distribution. What does not: the clever interface built on top of someone else's model.

AI：延续个人公开立场，强调长期主义、执行效率与行业方向判断。

Soumeya B.@soumeya · 2026/04/16市场影响

The lack of financial industry knowledge is so obvious and the hyperbole is overdone. Ant Financial has been running behavioral foundation models at 10x this scale for years. JPMorgan, Stripe, and PayPal all train on event sequences. This is good execution of an existing paradigm, not a new one. The bigger problem: Revolut has no US banking license. China is closed to them. Their 26M users are almost entirely European. A “new operating system for banking” that cannot operate in the two largest financial markets is a product, not a category. The performance numbers are also relative improvements over their own prior models. The paper explicitly disclaims absolute metrics. +130% over a baseline you built is not +130% over the industry. Worth watching. Not worth the crown.

AI：偏平台经营与生态扩张，强调交易平台和应用入口的长期位置。

Soumeya B.@soumeya · 2026/04/08赛道影响

@PaulFrambot @Morpho Very nice! Can’t wait to try the builder agent and see what it can do

AI：偏主题投资表达，释放对基础设施与新叙事的偏多信号。

Soumeya B.@soumeya · 2026/04/07市场影响

RT @malekanoms: An entire new branch of financial analysis and market design is being invented before our eyes—now with actual market-based…

AI：偏平台经营与生态扩张，强调交易平台和应用入口的长期位置。

Soumeya B.@soumeya · 2026/04/07观点输出

This definitely makes sense in the context of Solana. Make the intent legible, get a clean signature, done. What it doesn’t address is everything that happens around the transaction, before and after. There are no limits on what can be signed. No alerts when a signing event occurs. No timelock between approval and execution. No 2FA threshold. No policy enforcement at execution time. @YCrydev you know both the solan and Rialo worlds well. How do they compare?

AI：延续个人公开立场，强调长期主义、执行效率与行业方向判断。

Soumeya B.@soumeya · 2026/04/02观点输出

Everyone has a take on the juicy Claude Code leak. I have a quiz instead. Do you think like an Anthropic Product Manager/ Strategist? 10 real scenarios, 10 minutes. https://t.co/I99ALVga8I”

AI：延续个人公开立场，强调长期主义、执行效率与行业方向判断。

Soumeya B.@soumeya · 2026/04/01赛道影响

@rrhoover Are you available?

AI：偏主题投资表达，释放对基础设施与新叙事的偏多信号。

Soumeya B.@soumeya · 2026/04/01观点输出

@mickeyhardy Seeing signs of 2-5 on a weekly basis.

AI：延续个人公开立场，强调长期主义、执行效率与行业方向判断。

Soumeya B.@soumeya · 2026/04/01政策影响

the first breakout consumer crypto product in the US will look more like Dave/ Brigit / Klover / Earnin: small-dollar, high-frequency liquidity. banks didn’t avoid this category. they built overdraft, charged $35 NSF fees, and made billions until regulators killed the margin. the unit economics didn’t make sense any more. fintech tried to resurrect it with EWA and ran into the same wall: fraud, default rates, and the float problem. crypto is the first infrastructure where those economics might actually close, onchain transaction history + income data, and stablecoin disbursement eliminates the float lag that kills EWA unit economics. the distribution already exists. remittance and payments apps have frequency, trust, and a user base that’s already moving money. what they don’t have is a reason to stay between transfers. credit can be that reason. payments move money, credit makes it stick

AI：偏政策推进，强调合规落地与规则明晰，对监管主线更敏感。

Soumeya B.@soumeya · 2026/03/31市场影响

RT @BaselIsmail: Introducing https://t.co/jvOFASc1wP! I got tired of checking 10 different directories every time I needed to find an MCP…

AI：偏平台经营与生态扩张，强调交易平台和应用入口的长期位置。