Head of Marketing and Brand | @frame_payments
Los Angeles
Joined December 2008
- Tweets39.2K
- Following774
- Followers3K
- Likes6.5K
Youssef Guirguis retweeted
how to ensure agentic commerce fails 101: merchants taking disproportionate liability
When an AI agent buys the wrong thing, the chargeback liability sits with the merchant.
@alaxic says agents acting for consumers can get things wrong, which creates disputes with more parties involved.
Founder & CEO of @frame_payments joins @RemyBlaireNews.
Youssef Guirguis retweeted
my admitted skepticism of agentic commerce made it into a @FINTECHTVglobal interview today.
there's a lot to figure out. refunds, exchanges, or disputes happen, who owns these problems?
@scottew's recent experience is a perfect example of how messy all this can get: nitter.gq/scottew/status/2117013…
When an AI agent buys the wrong thing, the chargeback liability sits with the merchant.
@alaxic says agents acting for consumers can get things wrong, which creates disputes with more parties involved.
Founder & CEO of @frame_payments joins @RemyBlaireNews.
Youssef Guirguis retweeted
HR should make you wear these if they put you on a PIP.
Nike is finally giving Scottie Pippen his flowers. In celebration of the 30th Anniversary of the Air More Uptempo, Nike is dropping a "PIP" edition.
Pippen's Nike logo appears on the heel, while "PIP" replaces "AIR" on the lateral sides of the upper.
Full details >> buff.ly/WsiAt2Q
Youssef Guirguis retweeted
Some frogs go to extraordinary lengths to look like legitimate merchants.
The lily pad looked legitimate. The pond? That’s another story. 🐸🔎
today we uncovered the most sophisticated transaction laundering operation i’ve ever seen in payments.
pretty incredible the lengths people will go to disguise what they’re actually processing.
can’t wait for @FrogsAndRisk to share the post-mortem on this one.
Youssef Guirguis retweeted
one of the sharpest on our risk team is starting to tweet! Ciara has spent years in the trenches of payments risk.
glad more people get to learn from her.
Youssef Guirguis retweeted
peptides are about to become a much bigger business. we've been building in this space since the beginning of the year. clear that we made the right bet.
Youssef Guirguis retweeted
seems like every few weeks the timeline rediscovers the debate on what it takes to build a generational company.
I think a lot about what Michael Phelps so dominant. he trained 365 days a year. he understood that the days his competition took off would contribute to an advantage they could never overcome.
I think building a company works the same way. I choose to work hard, put in long hours, and show up consistently. I believe those investments compound.
if you believe working less or being less intense gives you a better chance of winning, then so be it. I'd rather bet on the work.
Nik Storonsky is one of the most hardcore and competitive founders I’ve ever talked to. He’s the founder of Revolut, a $115 billion company, and wants to be the number one bank in 100 countries.
When someone asked Nik if he was coming for Jamie Dimon's lunch, he said “I’m coming for his dinner.”
“We want to dominate, otherwise what’s the point?”
He removed every VC from his board, and when one investor pushed him too far, he started his own fund to compete with them.
Nik has a lot of ideas on talent, product design, marketing, constraints, and what makes founder-led companies special.
This is a fascinating conversation about competition, speed, and building a machine-like company.
0:00 Coming for Jamie Dimon's dinner
2:04 Building the #1 bank in 100 countries
6:12 Why founders beat professional CEOs
8:45 Revolut's biggest mistake
12:47 Why legacy banks can't innovate
17:20 Running a company like a machine
20:28 Funding winners and cutting losers like a trader
23:31 How AI is changing Revolut's team structure
25:23 50 direct reports and spreading innovation fast
29:59 Hiring self-guided missiles
33:31 Too much money makes founders weaker
37:38 What Europe's constraints taught Revolut
41:08 Why VCs are like football cheerleaders
49:28 Starting a fund to compete with VCs
54:28 From zero marketing to buying Europe's airports
1:00:21 Funding moonshots like a global tech company
1:03:58 Building an unstoppable machine
Includes paid partnerships.
Youssef Guirguis retweeted
Fans from over 100 countries are putting down a deposit on something that happens months from now. It’s normal and generally accepted, but that’s a longggg dispute window.
We recently launched payments and compliance infra for one of the largest festival travel platforms: 250K+ travelers booked across 500+ events.
That gap between deposit and showtime is where we shine.
Youssef Guirguis retweeted
I remember once a VC couldn’t believe that moving companies are high risk.
here’s a perfect example of how they can be.
there’s a reason most moving companies prefer Zelle, Cash App, or wires over cards. they’re much harder to reverse.
service quality is all over the place. the losses from chargebacks can be astronomical. and when a merchant can't cover them, the processor has to eat the loss.
I used Piece of Cake Moving and they lost close to $3k worth of high end bedding that was just recently purchased.
They confirmed they lost our box.
They will compensate us $300 as a goodwill gesture.
We asked them NOT to pack certain items that they then proceeded to pack. What they are offering to compensate doesn’t even cover what we ASKED THEM NOT TO PACK.
If anyone has a connection to help us get our belongings, this is ridiculous.
Youssef Guirguis retweeted
we've been shipping a lot of improvements to Frame lately, but one of the biggest is coming this week.
one piece of feedback we've heard was that our dashboard was confusing. payments and compliance were grouped together in ways that made sense to us internally, but not always to the platforms using it.
fair criticism... so we fixed it.
the new dashboard gives each product a clearer home and makes it easier for us to introduce new features across financial services and compliance.
we're rolling out launching v2 of our Transfers API. it supports bidirectional money movement across cards, bank accounts, and wallets.
oh, and accounts on Frame can now hold balances too 👀
a lot more coming.
Youssef Guirguis retweeted
“Ramp is a technology company. Banking services proved by Ramp National Trust Bank”
On Friday, Ramp submitted an application to the Office of the Comptroller of the Currency (OCC) to establish Ramp National Trust Bank.
If approved, the charter would allow the trust bank to offer fiduciary investment management and custody of digital assets.
The proposed trust bank would bring these services under a consistent federal regulatory framework, helping us build great products alongside our banking partners to further our mission to save businesses time and money. It will not take deposits or make commercial loans.
Youssef Guirguis retweeted
Price is a feature. Staying approved is the product.
Merchants who’ve been dropped before don’t compare bps. They compare who’ll still be there after the first chargeback spike.
Youssef Guirguis retweeted
we use Serper and Exa today for search in some of our underwriting agents.
going to play with this over the weekend. will benchmark DeepSeek against both and see if it can match or beat our current results. the pricing is pretty compelling
🔍 Search & Fetch APIs are now open to everyone!
Powered by our in-house search engine, serving hundreds of millions of requests daily worldwide.
💰 Each endpoint: $0.75 per 1,000 calls.
📖 Docs: api-docs.deepseek.com/guides…
📌 Search & Fetch calls via server-side tools in DeepSeek Harness, Claude Code, and Codex are currently free for DeepSeek API users. Billing starts Oct 31, 2026, at 16:00 UTC.
3/4
Youssef Guirguis retweeted
lots to figure out with agentic commerce!
if my agent pays with its own virtual card, what happens to my AMEX points?
dunno if i'm ready to give up my next vacation just to potentially save a few clicks at checkout.
Youssef Guirguis retweeted
update: the answer is actually @frame_payments. signed our first customer for this use-case.
Youssef Guirguis retweeted
I feel like we can sum all 7 up with this hat
The single best predictor of founder success we’ve seen, above all else, is raw determination. Across the 100+ successful founders we’ve interviewed, we identified 7 signals that measure this:
(1) A history of being under-estimated. There was always someone early in their life who doubted them, whether that be a sibling, parent, teacher or colleague.
(2) Lifelong iconoclasts. Never fit in with the group. Quirky tastes in hobbies, music, food that others find unusual.
(3) Some evidence of prior failure. Whether that be previous companies, product launches or career pivots, they always failed at least once (and often multiple times).
(4) Irrationally optimistic. If their lead engineer quits or a funding round fails or a key customer churns, they are never pessimistic and never lose hope. Always glass half full.
(5) Lack of financial motives. The desire to succeed was never driven by money. Cash served as a scorecard and nothing else.
(6) Funding struggles. Almost all struggled with early funding rounds, but did not give up in the face of capital scarcity. Lack of capital forced discipline.
(7) Institutional rejection. They were almost always rejected by a top institution early in their career (sports team, school, college or company).
Youssef Guirguis retweeted
if you’re building something interesting, we’d love to help you solve compliance and money.
get started at frameos.com or ping me or @DarrenZuckerman. we’re always happy to chat.
