Fintech & Personal Finance enthusiast. Head of Product @ Rivo, ex-Yahoo! Finance, Facet, Mint, Personal Capital, Yahoo! , E-Trade & more. DM's open.
California
Joined November 2006
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Pinned Tweet
This is what we are building @TryRivo would love to show it you @chadjanis
Whoever builds this idea first is guaranteed a $1B exit in two years.
@chadjanis just sold Gruns to Unilever for $1.2B. Here is his next top-tier idea that he's giving away for free:
The problem: your paycheck hits your checking account, then you need willpower to allocate it. Put 10% in savings, pay bills, invest, whatever.
Most people FAIL.
The solution: become the distribution layer between direct deposit and your bank account.
Before the money hits your account, it automatically splits:
20% → taxes (sitting in money market until tax season)
25% → rent/car payment/bills
15% → investments
10% → savings
What hits your checking? $500 for groceries
You never see the full amount. You can't fail at budgeting because there's nothing to budget.
This works for businesses too. Founders want guaranteed profit extraction. VCs want forced financial discipline. Everyone buys.
The infrastructure exists and the market is waiting. The first person to build this is getting acquired in 24 months.
@thesamparr @ShaanVP
Vince Maniago retweeted
Elizabeth Warren becoming the next Senate Banking Chair is a great example of what's so wrong with the @TheDemocrats.
The majority of the newly elected Dems like Talarico support Bitcoin.
But they will install the cranky old guard to make sure no real change happens.
Predictable.
Sushi anyone?
we have a winner for the most absurd AI startup ever
this Peter Thiel backed company uses AI robots to stab fish in the brain so they taste better and last up to 3x longer
it's called Shinkei and it modernizes a centuries-old Japanese technique
dozens of Michelin-star restaurants are already lining up to buy the fish
here's how it works:
> the problem is when a fish gets caught, it usually just suffocates on the boat
> that stress floods the meat with hormones and lactic acid, which hurts the flavor and texture
> the old Japanese fix for this was spiking the fish through the brain right after the catch, which stops all that
> but doing it by hand is impractical for most American fishing crews
> so Shinkei built a fridge-sized robot that sits right on the boat's deck
> the crew feeds in a fish and AI identifies the exact species, so it knows exactly where the brain and gills are
> the robot then drives the spike through the brain and cuts near the gills in about 7 seconds
> the fish goes into an ice slurry so the blood drains out
> so the fish doesn't sit there stressing out, and that tasty flavor and texture is preserved
example number 5,392,417 of how AI can be applied to literally anything
ALT A gloved fisherman on a boat feeds a live salmon head-first into the steel intake of a white Shinkei Systems robot, with the ocean behind.
Vince Maniago retweeted
You can now chat with your money.
We're launching a new way to understand and manage your money, right from iMessage, WhatsApp, or the Rivo app.
@TryRivo already works in the background to put your idle cash to work and bring it back before your bills are due. Now, you can also ask questions, understand what's happening with your money, and take action through a simple conversation.
Since it knows your actual balances and bills, you get answers based on your financial situation, not generic advice. And you're always in control of every action.
Check out what we've built and give it a try👇
Your money has a phone number now 📞
Starting today, you can chat with your money in the @TryRivo app, on iMessage, or on WhatsApp.
Here's what you can do with it 🧵
Vince Maniago retweeted
give a man a fish and you feed him for a day
teach a man to Claude Code and you financially ruin him with distracting side projects for the rest of his life
Vince Maniago retweeted
black pill: enterprises are putting their AI transformation (and the most existential business risk/opportunity of a lifetime) in the hands of their IT department
Vince Maniago retweeted
SF’s Bottom of the Hill will live on under a new owner in 2027, with a longtime patron taking over the business and pledging to preserve its independent spirit, while the original owners will keep the building to help ensure it remains a music venue.
buff.ly/tMHwiZl
Vince Maniago retweeted
Yaxel Lendeborg on his NBA debut:
“That was interesting. I got to see what the NBA’s like, man. Lot of flopping, lot of foul-baiting, lot of crying to the ref. Interesting first game for me, for sure.”
Vince Maniago retweeted
The winners in consumer AI will be whoever solves the highlighted sections on this chart 👇
Privacy and trust concerns usually fade as people find products that add value to their lives
The primary battle right now is against apathy
Vince Maniago retweeted
Niko (my eng partner) and I have been building this out for the past couple of months. One page for the work you're proud of, without the LinkedIn noise. It's simple, it's free. If you make one, we'd love your feedback 🙌
Vince Maniago retweeted
If someone asked me 6 months ago 'what should kids going to uni today study', I wouldn't have a clue.
I now have a clear answer: electrical or mechanical engineering.
There are going to be billions of intelligent robots, sensors and devices of all shapes and sizes, for different purposes.
The diffusion will take over a decade.
The only other field that I would say is worth it is biotech or materials sciences, keeping in mind pretty much all research in the future will be done by AIs.
For everyone else, just go into sales. People like people. You'll get a good skillset anyway.
Vince Maniago retweeted
One falls in love with feeling smart and with the virtue points that come with proclaiming “all I want is to serve my users”.
Vince Maniago retweeted
This is why I don’t think consumer agents will work
The average person could care less about “being more productive”
"Most people aren't looking to save time, they're looking for ways to spend their time."
9 of 15 consumer internet categories have zero AI products in the Top 100. These built some of the biggest companies of the last two eras:
- Streaming
- Social
- Dating
- Gaming
- Travel
- Retail
- Finance
- Real estate
- Jobs
More charts in our Top 100 Consumer AI Apps breakdown: a16z.news/p/top-100-consumer…
Vince Maniago retweeted
my prediction:
personal ai agents won’t monetize through monthly subscription fees.
they’ll monetize by owning the fintech stack and earning revenue every time their users spend money.
Instinct already measures internal performance based on monthly payment volume.
to monetize this they can:
> issue their own Visa credit card
> earn 2-3% interchange on every transaction
> negotiate bulk discounts directly with merchants
> take a percentage of the savings they generate
> earn yield on balances sitting inside the ecosystem
instead of charging you $20/month to use your personal agent, the agent becomes the interface through which you spend thousands of dollars every month.
if your agent books your flights, hotels, restaurants, and everyday purchases, owning the payment layer underneath becomes far more valuable than a $20/month subscription.
the biggest personal ai companies will end up looking less like software companies and more like fintechs.
personal ai agents + fintech will eventually blend into an entirely new category:
agentic finance.
Vince Maniago retweeted
The nation owes a debt to @JGebbia and his excellent team. They worked incredibly hard, with no compensation, to make government services work better for all Americans.
🫡 🇺🇸
Imagine seeing your work announced on the national stage by the world's most gifted speakers, like @SecRubio who introduced our new design for the U.S. Passport, in collaboration with the State Department. National Design Studio is growing! ndstudio.gov/jobs
