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Rex Salisbury

@rexsalisbury • 24,909 subscribers

Founder & GP @ Cambrian VC (pre-seed/seed in fintech). https://t.co/sf8DhZK8Y3. ex Partner @a16z fintech. +1 @amdulin.

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BREAKING: Robinhood buildt an AMEX Platinum killer. not even trying to be subtle. it's called "Robinhood Platinum". See what you get at bottom of post...it's a long list! Robinhood is moving upmarket and going straight after the customers the incumbents care most about. My main reflection is twofold - solid value prop from Robinhood - man, tough to be AMEX AMEX is facing competition on business side from Brex and Ramp and as far as I can tell losing. Their consumer business has been stronger, but now they have to contend w/ Robinhood. ---the things you get--- Cash Back - 5% on dining - 5% on flights - 10% on hotels & cars - 1% on all other purchases Dining - $250 annual DoorDash discount - $250 annual credit at 15,000+ eligible restaurants - Complimentary DashPass membership Travel - $300 annual travel credit - $500 annual hotel credit - Global Entry or TSA PreCheck credit - Unlimited access to 1,800+ Priority Pass airport lounges worldwide - No foreign transaction fees - Daily breakfast for two, room upgrades, and perks when booking through the app Health & Wellness - Complimentary Oura membership - Complimentary Function Health membership (160+ lab tests) - Amazon One Medical membership (a $199 value) - $200 annual credit toward wearables Lifestyle - $250 annual credit on autonomous rides Family - Add family members at no additional cost - Share perks, track spending, and set limits per card

BREAKING: Robinhood buildt an AMEX Platinum killer. not even trying to be subtle. it's called "Robinhood Platinum". See what you get at bottom of post...it's a long list! Robinhood is moving upmarket and going straight after the customers the incumbents care most about. My main reflection is twofold - solid value prop from Robinhood - man, tough to be AMEX AMEX is facing competition on business side from Brex and Ramp and as far as I can tell losing. Their consumer business has been stronger, but now they have to contend w/ Robinhood. ---the things you get--- Cash Back - 5% on dining - 5% on flights - 10% on hotels & cars - 1% on all other purchases Dining - $250 annual DoorDash discount - $250 annual credit at 15,000+ eligible restaurants - Complimentary DashPass membership Travel - $300 annual travel credit - $500 annual hotel credit - Global Entry or TSA PreCheck credit - Unlimited access to 1,800+ Priority Pass airport lounges worldwide - No foreign transaction fees - Daily breakfast for two, room upgrades, and perks when booking through the app Health & Wellness - Complimentary Oura membership - Complimentary Function Health membership (160+ lab tests) - Amazon One Medical membership (a $199 value) - $200 annual credit toward wearables Lifestyle - $250 annual credit on autonomous rides Family - Add family members at no additional cost - Share perks, track spending, and set limits per card

43,154 次观看

Layer from Plaid (announced today) is pretty awesome! provides nearly "Instant onboarding" for users already connect to plaid's network (1/3 of all consumers). keys off of your phone number and pre-populates your KYC info. Similar to how Shopify Pay works for checkout but for onboarding for a new financial account. Plaid claims increases end-to-end sign up rates by 10 - 25%, which is a huge lift for their customers. Anyone here using it yet?

Layer from Plaid (announced today) is pretty awesome! provides nearly "Instant onboarding" for users already connect to plaid's network (1/3 of all consumers). keys off of your phone number and pre-populates your KYC info. Similar to how Shopify Pay works for checkout but for onboarding for a new financial account. Plaid claims increases end-to-end sign up rates by 10 - 25%, which is a huge lift for their customers. Anyone here using it yet?

16,090 次观看

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AI is an extinction event for the traditional product playbook. Geoff Charles explains why Ramp is replacing classic PMs and burning their own code to maintain legendary velocity. (0:00) How AI Destroyed the Product Playbook? (1:08) What Are the 3 Levels of AI Proficiency? (3:55) When Should You Rip Up Your Own Code? (6:57) Why Did Charles Change Ramp’s Org Design? (8:21) How Did One Hackathon Change Everything? (13:08) Does the Product Manager Role Still Exist? (18:18) Why Are There Only 22 PMs at Ramp? (22:25) Is Middle Management Dead in the AI Era? (26:36) How Do You Pass an AI Product Interview? (31:13) Should New Grads Avoid Product Management? (36:16) Will Agents Replace Software QA Testing? (38:31) Is Traditional User Research Obsolete? (42:16) Overrated or Underrated: Product Specs? (46:36) Why Hasn't Ramp Logged Into Figma? (49:04) Are Stablecoins the Future of Agents?

AI is an extinction event for the traditional product playbook. Geoff Charles explains why Ramp is replacing classic PMs and burning their own code to maintain legendary velocity. (0:00) How AI Destroyed the Product Playbook? (1:08) What Are the 3 Levels of AI Proficiency? (3:55) When Should You Rip Up Your Own Code? (6:57) Why Did Charles Change Ramp’s Org Design? (8:21) How Did One Hackathon Change Everything? (13:08) Does the Product Manager Role Still Exist? (18:18) Why Are There Only 22 PMs at Ramp? (22:25) Is Middle Management Dead in the AI Era? (26:36) How Do You Pass an AI Product Interview? (31:13) Should New Grads Avoid Product Management? (36:16) Will Agents Replace Software QA Testing? (38:31) Is Traditional User Research Obsolete? (42:16) Overrated or Underrated: Product Specs? (46:36) Why Hasn't Ramp Logged Into Figma? (49:04) Are Stablecoins the Future of Agents?

15,782 次观看 • 1 个月前

Trillions in AI compute can't buy a $10 domain name. Jeff Weinstein explains how Stripe’s new machine payments protocol will unleash autonomous agents to control real budgets. (0:00) What Is Agentic Commerce? (2:00) What Is the Machine Payments Protocol? (4:11) Why Can’t Smart Agents Buy Things Online? (7:14) How Can You Safely Give an Agent a Budget? (9:34) How Can Agents Provision Cloud Services? (12:22) Why Does Machine Payments Need Stablecoins? (14:15) Why Did Stripe Co-Found the Tempo Blockchain? (16:52) Who Are the Early Adopters of Agent Payments? (18:38) Why Are Agents Now Stripe’s Primary Customer? (20:00) How Did Stripe Atlas Reach 100,000 Startups? (23:09) Why Are AI Startups Growing 50% Faster Now? (24:59) Who Is Smarter: Patrick or John Collison?

Trillions in AI compute can't buy a $10 domain name. Jeff Weinstein explains how Stripe’s new machine payments protocol will unleash autonomous agents to control real budgets. (0:00) What Is Agentic Commerce? (2:00) What Is the Machine Payments Protocol? (4:11) Why Can’t Smart Agents Buy Things Online? (7:14) How Can You Safely Give an Agent a Budget? (9:34) How Can Agents Provision Cloud Services? (12:22) Why Does Machine Payments Need Stablecoins? (14:15) Why Did Stripe Co-Found the Tempo Blockchain? (16:52) Who Are the Early Adopters of Agent Payments? (18:38) Why Are Agents Now Stripe’s Primary Customer? (20:00) How Did Stripe Atlas Reach 100,000 Startups? (23:09) Why Are AI Startups Growing 50% Faster Now? (24:59) Who Is Smarter: Patrick or John Collison?

21,091 次观看 • 2 个月前

Mercury charges for a bank account while others give it away. Immad Akhund explains why Mercury Personal targets the mass affluent—and what that says about fintech’s next fight. (0:00) Why Charge for a Bank Account Now? (0:23) Akhund: Who’s the “Mass Affluent”? (0:56) What Makes Mercury Personal Different? (1:16) Why Launch Personal Now? (2:02) Why Didn’t You Leave Big Banks Earlier? (2:34) Mercury vs Big Banks: What’s Broken? (3:42) Can OCR Payments Go Mainstream? (4:19) How Do Permissions Change Money? (4:50) Can One Account Replace 5 Services? (5:45) Who Is Mercury Personal Actually For? (6:24) Start Narrow, Go Broad: Akhund’s Plan (7:27) 4,000 Alpha Users vs 200k Businesses (8:39) Does Word of Mouth Still Matter? (9:16) Why a $240 Annual Fee Isn’t Crazy (9:51) Subscription Pricing vs Feature Fees? (10:19) When Does It Become a No-Brainer? (11:13) Is “Free Fintech” a Trap? (30:25) Talk to Your Bank Account: When? (30:54) Where Does AI Matter More? (40:55) Founders in Arms: Lessons That Stick

Mercury charges for a bank account while others give it away. Immad Akhund explains why Mercury Personal targets the mass affluent—and what that says about fintech’s next fight. (0:00) Why Charge for a Bank Account Now? (0:23) Akhund: Who’s the “Mass Affluent”? (0:56) What Makes Mercury Personal Different? (1:16) Why Launch Personal Now? (2:02) Why Didn’t You Leave Big Banks Earlier? (2:34) Mercury vs Big Banks: What’s Broken? (3:42) Can OCR Payments Go Mainstream? (4:19) How Do Permissions Change Money? (4:50) Can One Account Replace 5 Services? (5:45) Who Is Mercury Personal Actually For? (6:24) Start Narrow, Go Broad: Akhund’s Plan (7:27) 4,000 Alpha Users vs 200k Businesses (8:39) Does Word of Mouth Still Matter? (9:16) Why a $240 Annual Fee Isn’t Crazy (9:51) Subscription Pricing vs Feature Fees? (10:19) When Does It Become a No-Brainer? (11:13) Is “Free Fintech” a Trap? (30:25) Talk to Your Bank Account: When? (30:54) Where Does AI Matter More? (40:55) Founders in Arms: Lessons That Stick

34,110 次观看 • 6 个月前

Stablecoins are useless unless they solve actual business problems. Privy CEO Henri Stern reveals why Stripe acquired his company to build dominant global money rails. (0:00) Why are we even building with stablecoins? (0:36) What are Stripe's digital asset accounts? (2:04) How did Privy reach 100 million wallets? (2:44) Who is actually adopting crypto right now? (4:40) How does Ramp use stablecoins globally? (5:21) Why use stablecoins for treasury management? (6:32) Is DeFi yield finally safe with Morpho? (7:50) Why did Privy sell to Stripe? (10:48) John vs. Patrick Collison: Who is smarter?

Stablecoins are useless unless they solve actual business problems. Privy CEO Henri Stern reveals why Stripe acquired his company to build dominant global money rails. (0:00) Why are we even building with stablecoins? (0:36) What are Stripe's digital asset accounts? (2:04) How did Privy reach 100 million wallets? (2:44) Who is actually adopting crypto right now? (4:40) How does Ramp use stablecoins globally? (5:21) Why use stablecoins for treasury management? (6:32) Is DeFi yield finally safe with Morpho? (7:50) Why did Privy sell to Stripe? (10:48) John vs. Patrick Collison: Who is smarter?

13,505 次观看 • 2 个月前

What does silicon valley misunderstand about the Brex acquisition? I get into that question (and rationale for the deal) w/ Art Levy , Chief Business Officer at Brex.

What does silicon valley misunderstand about the Brex acquisition? I get into that question (and rationale for the deal) w/ Art Levy , Chief Business Officer at Brex.

17,125 次观看 • 7 个月前

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