Peter

Sleep-deprived banker • Hobbyist game developer • Balancing spreadsheets by day and sprite sheets by night.

[Peter @PtarA76]

@birdabo For the limits

[Tibo @thsottiaux]

Back at the laptop. The usage limits have been reset for all paid users of Codex and ChatGPT Work. Weeeeeeeee. It's a good day!

[Peter @PtarA76]

FYI I let my premium+ lapse for a day to test if you would lose access to @XMoney. Can confirm that you do not.

[Peter @PtarA76]

@MatthewBerman Not gonna happen.

[Peter @PtarA76]

P/Es are at historic highs because risk of hyperinflation has never been higher.

[Aria Radnia 🇮🇷 @ariaradnia]

What stock opinion would have you like this

[Jensen Huang @JensenHuang]

For my first post, I’m sharing a letter @NVIDIA signed on why open models matter.

AI will transform every industry, power every company, and be built by every country.

Open models strengthen safety and cybersecurity, accelerate innovation and diffusion, and enable sovereignty.

The world needs both frontier closed models and frontier open models.

https://t.co/AUKzoQ5Ikb

[Peter @PtarA76]

@a5_kim It’s a little weird seeing my transaction notifications mixed in with post notifications. Not an issue if I can access it in the standalone app as well similar to x chat

[Peter @PtarA76]

Hot take: X-money is more worthy of a standalone app than X-chat.

[Peter @PtarA76]

@catalinmpit Switch to: I get an app idea -> I search for comps < I find them and move on; I don’t find them and am hungry to deploy first.

[Peter @PtarA76]

@Defi_Noal_ Yeah I just got access and it’s great! Already made it my primary checking account.

[Peter @PtarA76]

It’s a very different experience than SOL or Fable. There is a lot more back and forth as it’s much quicker. So it gets things wrong, but with your feedback, it usually gets where it needs to go quicker overall just with more active iterating. It is underpowered for certain things, but I’ve found it useful so far.

[Peter @PtarA76]

@SStricklandMMA If only more professional athletes both knew this and said it.

[Peter @PtarA76]

@taycaldwell There should be a way to add x money to the navigation bar at the bottom of x. Also grok build has been great.

[Peter @PtarA76]

Finally happened :) #xmoney

[Peter @PtarA76]

@Sci_Nature0 Geometry…

[Peter @PtarA76]

@thsottiaux As a hobbiest, it’s SO much better. Instead of using my limit, waiting 4 hours and coming back, I can just have longer sessions throughout the week. If I blow through it all early, I mean that’s what credits are for…

[Peter @PtarA76]

5.6 Sol is unbelievable. I’m a guy who used to code as a kid and took a different career path once I got to college. With Codex, I’ve now revived and started several projects I had previously worked on and built things I certainly did not have the technical capability to build by myself. In 1/100 the time… I’ve added graphics to text based games I built when I was 12, I’ve updated old games and updated firebase integrations that I would have had to learned how to do due to my 5 year hiatus from coding. Truly unbelievable. I’ve also learned how to use Dart and Flutter by having it hold my hand, though that was with 5.5. Plan mode is my favorite at this point. I can just work vomit into it, answer a few questions, then get halfway where I want right off the bat. Plus then Tibo resets my usage anyway!

[Peter @PtarA76]

@VadimStrizheus Well yeah because they’re giving us a reset everyday. I used my weekly limit in 13 hours yesterday and burnt a ton of credits…. If they want more credit revenue, honestly they’re best off leaving it as weekly.

[Peter @PtarA76]

X Money sweeps the cash to Cross River Bank, where it will make you an account. They then sweep to several banks to achieve the extra FDIC insurance limit. This sweep works similar to brokerage products from Wealthfront or Robinhood. X is likely getting around Fed Funds rate minus 5-15bps on these deposits from the banks they sweep too. They then will be eating the additional ~2.4% that they pay to customers to get it up to 6%. There’s no way the 6% will last forever without caps.

[Peter @PtarA76]

This would not be legal. X Money sweeps the cash to Cross River Bank, where it will make you an account. They then sweep to several banks to achieve the extra FDIC insurance limit. This sweep works similar to brokerage products from Wealthfront or Robinhood. X is likely getting around Fed Funds rate minus 5-15bps on these deposits from the banks they sweep too. They then will be eating the additional ~2.4% that they pay to customers to get it up to 6%. There’s no way the 6% it will last forever without serious caps.