Why are we stuck with ACH? We have a Real-Time Payments (RTP) network (TN11)
Major banks are already on a real-time payment (RTP) network. Why does it feel like we're stuck with ACH?
Tolu Salako
FinTech Didn't Disrupt Much (FinTech x DeFi – Part 1)
The legacy financial infrastructure in the U.S. has held back fintech innovation
Saylor Only Wants Bitcoin, Lordstown Motors Going Concern (TN10)
Michael Saylor's latest bond offering provides no upside if bitcoin rallies. Lordstown Motors can't deliver what they promised.
$13 billion oat milk, Wonderful silver lining to the crypto crash (TN09)
Though cryptocurrencies took a big hit this week, decentralized financial protocols proved their resiliency
Understanding What ARK Invest Is Up To
Cathie Wood's ARK Invest hit escape velocity in 2020. Could the same happen in 2021 and beyond?
Personalized Content Feeds Suck. Curation is a Better, Scalable Alternative
Personalized content recommendation algorithms fail to expand user interests despite the deluge of information on the internet
Making Better Decisions (TN08)
Happy National Brothers And Sisters Day! To my surprise, it is different from
National Siblings Day (April 10). Join the newsletter here
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I started Tolusnotes to write about risk-taking and making better decisions. I
also tend to write a
Create Value, Create Leverage (TN07)
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Final Word
I enjoyed reading Jeff Bezos's final letter to shareholders [1]. I don't read
CEO letters often, but this one is worth it. I
Bill Hwang's Archegos Blow Up Was Just Bad Luck (TN06)
I live for moments like these. Moments where most portfolios are now
outperforming Archegos Capital Management simply by not blowing up. But this
case is a bit different than what’s being portrayed in the media. The Archegos
fiasco may not be as unique as it seems, and Bill Hwang
Tesla Wants Your Bitcoin Without The Downside (TN05)
Tesla is going one step further with crypto. Previously they converted $1.5
billion of their balance sheet to Bitcoin. This time, they are allowing anyone
to purchase a vehicle using Bitcoin. If you’re a fan of bitcoin as an asset,
rejoice! If you want bitcoin as a currency