UTribe

Committed to democratizing access to real-world assets, starting with gold. #TogetherWeRise

[UTribe @UtribeOne]

🌍 The world students are preparing for is changing faster than any curriculum can.

AI is reshaping work. Industries are evolving. Information is everywhere. 📱

So education can’t only prepare students for what we know today.

It needs to help them question information, solve unfamiliar problems, adapt and keep learning. 🧠

The goal may not be to prepare students for one future.

It’s to prepare them to keep learning as the future changes. 📚

What’s one skill every student should leave school with?

#UTribe #FutureOfEducation

[UTribe @UtribeOne]

📈 Investing doesn’t start from the same place for everyone.

For some, it’s an app away. For others, barriers come first: 💰 capital, 🌍 geography, 📚 financial knowledge, infrastructure or access to suitable products.

Technology can help reduce some barriers — but innovation matters most when it creates meaningful opportunities to participate.

The future of finance isn’t just about better products.

It’s about broader, more responsible access. ��

What’s the biggest barrier to investing today?

#UTribe #FinancialInclusion

[UTribe @UtribeOne]

Gold Weekly | Market Update

Gold starts the week higher as oil prices and the US dollar ease. 📈

Eyes now turn to US inflation (CPI) on Wednesday, followed by PPI and retail sales on Thursday.

These releases could shift rate expectations — and gold’s next move.

Understanding gold means looking beyond the price. 🌍

#UTribe #GoldWeekly

[UTribe @UtribeOne]

👩‍🏫 We expect teachers to prepare students for a world transformed by AI, technology and new ways of working.

But are we giving teachers the same opportunity to keep learning?

New tools alone won’t transform education. Teachers need time, training and support to understand them and decide how they can genuinely improve learning. 📚

Lifelong learning isn’t only for students.

If education evolves, educators need to evolve with it. 🌍

#UTribe #FutureOfEducation

[UTribe @UtribeOne]

🌍 Talent is global. Financial opportunity isn’t always equally accessible.

Where you live can still shape the banking, payment and investment tools available to you.

Technology can help reduce those barriers. 📱

The goal? More pathways for more people to participate. 🤝

#UTribe #FinancialInclusion #Fintech

[UTribe @UtribeOne]

@karpathy 's AI gap has me thinking: what if the biggest AI winners aren't the companies teaching people to use AI?

What if they're the ones making it so useful that nobody even thinks about using it?

The best technology often disappears into the experience.

[Andrej Karpathy @karpathy]

Dusting off this tweet from April because this gap in shared understanding of LLM capability is *widening*. It's now less "two groups of people speaking past each other" and more a sharp funnel.

- Napkin math somewhere around 6B people (~75% of the population) have barely come in contact with LLMs at all.
- Around 1-2B (~20%) are casual and infrequent users of free-tier ChatGPT-like products. This group sees derpy chatbots and treats them a bit like a better Google search, a writing aid, or etc. Maybe an agent tries to book you a flight. I have non-tech friends who (reasonably, imo) say they have not much use for it at all. Even many professionals outside of math&code are in this tier. For example, execs and many other functions spend a lot of their time talking to other people, so while they understand what is happening intellectually, it is still second-hand and a bit abstract.
- Now we get to professional use of frontier-grade LLMs in math&code. Somewhere around 20M people (0.2%) see first-hand that large, complex projects that used to take them weeks/months can now be completed by agents with a prompt. Building apps, copying apps, translating apps, decompiling apps from binaries... This has all happened very quickly and recently - less than 1 year ago, I was writing code manually by hand, typing memorized computer code commands into a code editor character by character, occasionally pressing Tab to autocomplete a little chunk of code.
- And finally we get to the ~5,000 people (~0.00006%) with access to frontier-grade systems internally. The external world has seen the preview. It looks like swarms of thousands of agents collaborating over weeks on software mega projects: minting zero days, running cyber attacks and defenses at machine speeds, discovering new science, advancing the frontier of mathematics. Things that would have taken top professionals in the industry years of work. Meanwhile, human review and comprehension are starting to fall behind. For example, people are still involved in the "archeology" of the OpenAI-HF incident from many months ago. Mathematicians may be poring over the 722 manuscripts on frontier mathematics for a while.

The funnel is driven by a combination of factors:
1. The impact scales with ambition, problem size, and horizon. A question with a paragraph answer barely stresses the system. You need a reservoir of big, difficult problems that you really care about. This aspect drives the consumer / professional dimension of the funnel.
2. The jaggedness of the system (which I have written about a lot separately). Capability peaks in domains that are digital, verifiable and economically valuable. This is because LLM capability emerges from reinforcement learning on verifiable rewards on a curated environment mixture driven by revenue potential. This aspect primarily drives the area (e.g. math&code) dimension of the funnel.
3. Access. Free-tier, paid-tier, internal.

So this is the weirdness of the moment. The general public has mostly not interacted with these systems. When they have, it looks like a derpy chatbot. The majority of professionals still see only a modest uplift. And a small sliver of professionals are experiencing the vertigo of the curve going vertical. And it is all happening at the same time.

[UTribe @UtribeOne]

🎬 Meet Faizah | Episode 2

AI is changing how we learn, work and create. 🤖

But access to technology is only the beginning.

Skills, education and community help turn new tools into meaningful opportunities. 🌍

The future isn't just about AI. It's about what people can do with it.

#UTribe #MeetTheTeam

[UTribe @UtribeOne]

🤖 We often imagine the future of education through AI, digital platforms and new technology.

But education is still deeply human. 👩‍🏫

Technology can expand access and support teachers. It can’t replace understanding when a learner is struggling, adapting an explanation or creating human connection.

The better question isn’t “Will technology replace teachers?”

It’s: “How can technology help teachers do what technology alone cannot?” 📚

#UTribe #FutureOfEducation

[UTribe @UtribeOne]

🎬 Meet Faizah | Why I Joined UTribe

What makes someone believe in a vision enough to join it?

Beyond technology, it's about shared values, purpose and community. 🤝

Technology connects systems. Community connects people. 🌍

#UTribe #MeetTheTeam

[UTribe @UtribeOne]

🌍 Your Money Is Not Standing Still — Episode 3

Where you live can influence how you save.

Access to financial services, income, local markets and available opportunities can shape how people manage and preserve their money. 💰

But financial possibilities don’t have to be defined entirely by geography.

Financial inclusion isn’t just having an account. It’s having meaningful access to ways of managing and building value. 📈

#UTribe #FinancialInclusion

[UTribe @UtribeOne]

💱 You can save responsibly and still see the value around your savings change.

When a currency loses value, the impact can reach prices, businesses and purchasing power. 🌍

Saving builds the foundation. Understanding how value moves helps us make more informed decisions. 🧠

#UTribe #FinancialEducation #Currency

[UTribe @UtribeOne]

🪙 Gold Weekly | Market Update

Gold starts the week higher as oil prices and the US dollar ease. 📈

Eyes now turn to US inflation (CPI) on Wednesday, followed by PPI and retail sales on Thursday.

These releases could shift rate expectations — and gold’s next move.

Understanding gold means looking beyond the price. 🌍

#UTribe #GoldWeekly

[UTribe @UtribeOne]

🎓 Getting someone into a classroom is the first step.

But what happens after that?

Do they understand? Can they apply what they learned? Can they think independently? 🧠

Education isn’t only about completion. It’s about what stays with you. 📚

What’s one thing you still use today?

#UTribe #FutureOfEducation

[UTribe @UtribeOne]

💰 Saving money and preserving value aren’t always the same thing.

Saving builds a foundation. But as prices change, purchasing power can change too. 📉

There’s no one-size-fits-all strategy.

🧠 Saving is a habit. Understanding value is a skill.

#UTribe #FinancialEducation

[UTribe @UtribeOne]

💰 Saving still matters.

But there’s a second question worth asking:

Not only “How much am I saving?” but “How is its value changing over time?” 📉

Saving, investing and long-term planning play different roles. 🧠

Understanding those roles is part of financial literacy.

#UTribe #FinancialEducation

[UTribe @UtribeOne]

🎬 Meet the Team — Week 5, Episode 3

🔗 What if ownership didn’t always need a traditional middleman?

Blockchain is creating new ways to record, verify and exchange value digitally.

💡 Innovation matters. Understanding it matters too.

The first step to participation is education. 🌍

#UTribe #Blockchain #MeetTheTeam

[UTribe @UtribeOne]

🌍 UNGA week brought together conversations on AI, finance, sustainability, Africa’s growth and financial inclusion.

Different topics. One shared question:

Who gets to participate in the future we’re building?

The most interesting ideas emerged where these worlds intersect.

That’s where the future gets built. ✈️

#UTribe #UNGA2026

[UTribe @UtribeOne]

📚 Talent is everywhere. Access isn’t.

A school may exist, but real access also depends on teachers, resources, technology, affordability and geography. 🌍

Education shouldn’t just ask, “Who is enrolled?”

It should ask, “Who has a fair opportunity to learn?” 🎓

#UTribe #FutureOfEducation

[UTribe @UtribeOne]

🎬 Meet the Team - Week 5, Episode 2

Technology can make things faster, smarter and more accessible. ⚙️

But innovation isn’t just about what a system can do.

It’s about who it serves. 👥

Technology is the tool. People give it purpose. 💡

#UTribe #MeetTheTeam #Technology

[UTribe @UtribeOne]

💶 €100 today can still be €100 tomorrow.

But if prices rise, what that €100 can buy may change. 📉

That’s purchasing power.

Financial literacy isn’t only knowing how much money you have — it’s understanding how its value can change over time. 🧠

#UTribe #Inflation