Rebuilding payments from first principles. Co-founder of @notabene_id YCS20.
Joined March 2007
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We've talked about this for a long time, @ajunge_m. I want it for every company I've run. Know what to cut before it renews.
Pelle Brændgaard retweeted
Omarchy 4.5 is finally here! Traditional desktop mode, M1/M2/M3/Neo compatibility, 50 languages, 7-second installs, and a million other features, fixes, and improvements. omarchy.org/news/2026/11/oma…
While ledgers are set up to do this, in a world with heavy manual work in the contract to cash reconciliation it is a huge source of work for finance teams.
This is so true. It gets worse the further on you are. It’s imperative you have a good team to manage as it becomes very hard to do founder mode unless you’re very mindful of it.
Pelle Brændgaard retweeted
Another takeaway after three years of building a company is that the returns to just "being a good person", and not acting transactionally, are higher than I expected.
There are so many transactional, boring, and at times immoral people in the tech industry that if you act with sustained warmth, authenticity, humor, and integrity, great gifts will be laid before you. White pill.
This is very good advice. Having the wrong investors can really hurt you. Their point in this video of loss aversion is one of the largest issues that my European founder friends complain about from dealing with European VCs.
I should say it’s not all of them, just the majority that fit this pattern. There are also a ton of these on the East Coast.
youtu.be/kWPvdAZGd3A?is=1hRy…
I've been experimenting with Google AntiGravity on Gemini 4 Argon. The model seems to be great. But the permissions auto classifier is driving me nuts. There is zero smarts in it.
Argon creates compound exec commands in my repo and can't figure out `pnpm format && pnpm lint && pnpm vitest`. Claude went through this phase more than a year ago.
"If we want to solve real world problems, we need to play with the real world rules."
@ajunge_m on why Anyenk built on Notabene's rails. Compliance as a product requirement rather than a burden, and an open network so any counterparty can connect.
Pelle Brændgaard retweeted
Re: agent payments & x402/MPP. I love x402. I built a version of x402 in a weekend in March of 2023 (402 is way better). Growth has been great, I believe in its future.
BUT! x402 is a bad way for serious companies to buy API access.
Why? Does Ford buy screws at Home Depot? Does the smoker buy loosies at the bodega? Why would a McDonalds franchise buy salt at the Whole Foods. These are all bad ideas! Ford buys screws direct with long term contract. The smoker buys a pack. The franchisee goes to corporate.
Buyers and sellers both benefit from long term and scale alignment. The buyer forecasts a certain amount of demand and commits capital. The seller commits capacity and makes capital investments if necessary, which allows them to lower their costs.
Now, back to McDonalds and Ford... if the McDonalds is *out of salt*, they arguably should go to the corner store to keep things moving.
This is Tourists in the Bazaar -- better titled, "Why Businesses aren't tourists, but Agents might be". Buying a loosie only makes sense if you're smoking one cigarette or trying a new brand. Using x402 only makes sense if you don't plan to have a long term relationship with the provider or if you're just getting started.
If you're doing something more than once, the relationship is good for everyone. Think long term.
This is not a super smart read on it. First really good actual crypto card was @gnosispay running on @monerium (EURe). Now the crypto card market is focused on the developing world where everyone naturally wants USD. It was just a very small sample size of issuers early on.
Euro-backed stablecoins once dominated spending: In early 2024, around 88% of crypto card volume settled in EURe, much of it on Gnosis. As of July, EURe’s share has fallen to about 2%.
Dollar-backed stablecoins have since taken the lead. USDC handles about 58% of card spending and USDT about 26%, up from roughly 48% and 7% a year ago, respectively. Crypto payment card spending now happens overwhelmingly in digital dollars.
Pelle Brændgaard retweeted
"𝘛𝘩𝘦 𝘪𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘪𝘰𝘯𝘴 𝘴𝘶𝘤𝘤𝘦𝘦𝘥𝘪𝘯𝘨 𝘢𝘳𝘦𝘯'𝘵 𝘭𝘰𝘸𝘦𝘳𝘪𝘯𝘨 𝘣𝘢𝘯𝘬𝘪𝘯𝘨 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥𝘴 𝘵𝘰 𝘱𝘢𝘳𝘵𝘪𝘤𝘪𝘱𝘢𝘵𝘦 𝘪𝘯 𝘥𝘪𝘨𝘪𝘵𝘢𝘭 𝘢𝘴𝘴𝘦𝘵𝘴. 𝘞𝘩𝘢𝘵 𝘵𝘩𝘦𝘺'𝘳𝘦 𝘥𝘰𝘪𝘯𝘨 𝘪𝘴 𝘣𝘳𝘪𝘯𝘨𝘪𝘯𝘨 𝘪𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘪𝘰𝘯𝘢𝘭 𝘵𝘳𝘶𝘴𝘵, 𝘨𝘰𝘷𝘦𝘳𝘯𝘢𝘯𝘤𝘦, 𝘢𝘯𝘥 𝘰𝘱𝘦𝘳𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘥𝘪𝘴𝘤𝘪𝘱𝘭𝘪𝘯𝘦 𝘪𝘯𝘵𝘰 𝘢 𝘯𝘦𝘸 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘪𝘯𝘧𝘳𝘢𝘴𝘵𝘳𝘶𝘤𝘵𝘶𝘳𝘦."
Daniel Nicolas, closing out our webinar with Giuseppe Nicola Spinillo, Executive Director & Head of Operations at AMINA Bank - on what it takes to run digital assets across 40+ countries and four regulatory regimes, without lowering the bar.
Catch up on the full conversation 👉️ notabene.id/webinars/notaben…
I fully agree with this
Ex-CFTC Chairman Chris Giancarlo says the industry needs to stop making such a big deal out of Clarity
"Perhaps it's time to stop making such a big deal out of Clarity. The industry is running around saying we need Clarity, we need Clarity. Yeah, we do. But the internet is still happening, and there's never been an authorizing statute 30 years later. If we don't get Clarity, innovation goes on"
"I'd like to see Clarity passed, I think it's got a lot of value in it. Among many good provisions, it reauthorizes LabCFTC, which I started when I was at the CFTC. I'd like to see not just the CFTC, but every financial regulator in Washington, in fact every regulator in Washington, have an innovation center in their own house with expertise there, which is what LabCFTC did for the CFTC"
"I'd like to see Clarity passed, but I think we need to brace ourselves that it might not, and the world is going to go on"