Michael Gonzalez

Co-founder @ Helping startups and SMBs optimize their treasury yields.

[Michael Gonzalez @MichaelAtPalus]

trying to make a sandbox mode of our project for various design partners

made a new deployment w/ sandbox env vars and subdomain but our partners say they can’t visit it

it’s bc vercel’s deployment protections block everyone else unless we pay $150/mo just to exclude the subdomain from these “protections”

[Michael Gonzalez @MichaelAtPalus]

hey @vercel i just tried to set up a sandbox deployment for our development partners

only to find that you block non-team-members from said deployment…

unless we pay an extra $150/mo

making us pay to remove a gatekeeping feature that’s forced on us seems rather predatory

[Michael Gonzalez @MichaelAtPalus]

feeling so vindicated for thinking claude got neutered recently wow

[ℏεsam @Hesamation]

AMD Senior AI Director confirms Claude has been nerfed. She analyzed Claude's session logs from Janurary to March:
> median thinking dropped from ~2,200 to ~600 chars
> API requests went up 80x from Feb to Mar. less thinking and failed attempts meaning more retries, burning more tokens, and spending more on tokens
> reads-per-edit dropped from 6.6x → 2.0x. model stops researching code before touching it.
> model tried to bail out or ask "should i continue" 173 times in 17 days (0 times before March 8).
> self-contradiction in reasoning ("oh wait, actually...") tripled.
> conventions like CLAUDE.md get ignored because there's less thinking budget to cross-check edits
> 5pm and 7pm PST are the worst hours, late night is significantly better. this means the thinking allocation is most likely GPU-load-sensitive.

[Michael Gonzalez @MichaelAtPalus]

just shipped orgs for @PalusFinance

only time will tell if making org names editable was a mistake

[Michael Gonzalez @MichaelAtPalus]

so glad that all these really and truly concerning vulnerabilities from this week were actually just april fools jokes

[Michael Gonzalez @MichaelAtPalus]

hey just saw the axios supply chain attack… reminds me of another package that used to be stable (us)

thinking about how i’d still roll us back in a heartbeat… secure or not. what we had was a vulnerability that didn’t need fixing

[Michael Gonzalez @MichaelAtPalus]

you know you’re breaking the system when your competitors watch your demo day pitch from their HQ and email you about it

if you’re a founder and tired of shitty legacy treasury options, come talk to us

[Michael Gonzalez @MichaelAtPalus]

@abustamante @ycombinator @PalusFinance @Sam_Lushtak if we invested in fixed-rate MBS, 1000% agree. but we use floating-rate. fundamentally different. more info: https://t.co/VgW0nJgCeP

re: liquidity risk, this is meant for long-term reserves and not for day-to-day operational cash. super up front about this on our page!

[Michael Gonzalez @MichaelAtPalus]

@abustamante @ycombinator @PalusFinance @Sam_Lushtak it’d be a pretty short movie once the protagonists find out there are no subprime home loans involved

[Michael Gonzalez @MichaelAtPalus]

@drbillsz @mil000 treasury yield isn’t a huge portion of their revenue, so it just isn’t a priority for them. as we all know most businesses only change their offerings when it profits them. classic corporate america 😍😍

[Michael Gonzalez @MichaelAtPalus]

@phillymike223 @SahilExec @ycombinator @PalusFinance @Sam_Lushtak our management partner runs the largest floating-rate agency MBS fund in the country! this is no joke

[Michael Gonzalez @MichaelAtPalus]

@mil000 agency MBS are mathematically orders of magnitude safer and guaranteed by the federal government!

also you’d be surprised what risks your bank takes on right under your nose… take a look at the fund rho treasury uses and what it did in ~2022

[Michael Gonzalez @MichaelAtPalus]

@Duderichy just clarifying that we explicitly lay out the tradeoff of our product, which is exactly illiquidity (we are not same-day like a typical money market fund)

check out the comparison on our front page

[Michael Gonzalez @MichaelAtPalus]

@anatelorenzen @ycombinator @PalusFinance @Sam_Lushtak because four leaf clovers represent luck, and we are quite the opposite! a strategy :)

[Michael Gonzalez @MichaelAtPalus]

@4n1rudh4 @ycombinator @PalusFinance @Sam_Lushtak not at all! we actually specifically address this in one of our blog posts: https://t.co/xgaTpWDo4i

tl;dr we use agency MBS which is *very* different than the private-label MBS that blew up back then

[Michael Gonzalez @MichaelAtPalus]

@mil000 we actually specifically talk about that right here :)

[Michael Gonzalez @MichaelAtPalus]

@mil000 not doing that at all! private-label MBS is what blew up in ‘08, whereas we only use agency MBS (MUCH stricter underwriting standards)

[Michael Gonzalez @MichaelAtPalus]

@ycombinator @zerosettle @gaberoeloffs @relliott3131 congrats guys!

[Michael Gonzalez @MichaelAtPalus]

@ycombinator @payna_co @Boewu_ @7_hesong let’s go guys!! congrats