desync

Crypto: $DOT and $TRAC

Stocks: $LMND

[desync @_Manuel_L_]

@anthonyisonline Morgan Stanly upgraded to overweight.

[desync @_Manuel_L_]

@SJCapitalInvest @themomentumplay He thinks he cant be wrong because he was right on Tesla and Lemonade.

[Paper Bag Investor @PaperBagInvest]

Whaat!? $LMND:

52% Gross Loss Ratio!
31% YoY Growth!
Q4 Adj EBTIDA of only -$5M!
Car Loss Ratio of 70%!
Investor Day Coming in November!

🤩

[Polkadot Devs @PolkadotDevs]

https://t.co/6UGhmvWeYe

[Polkadot Devs @PolkadotDevs]

The time has come.

[desync @_Manuel_L_]

@FinRiff How many other car insurer are there that offer pay per mile? They don't have the technology to offer this like Lemonade.

[Elon Musk @elonmusk]

Insurance is half price when Tesla self-driving is activated, because it increases safety so much

[Gavin Wood @gavofyork]

Once again, the year's @polkadot roundup is out. Get it while it's hot 🔥🎄 https://t.co/kQYLG6WsHm

[Shai Wininger @shai_wininger]

.@Lemonade_Inc's Q3 2025 results:

Highlights (YoY):
🚀 8th consecutive quarter of accelerating growth
💵 $1.16 Billion top line (IFP +30%, ahead of plan)
🔥 Gross Profit $$ increased +113% to $80m
🔥 Gross Profit Margin at 41%
🔥 2.87 million Customers (+24%)
🔥 Adj. EBITDA loss almost cut in half, now at -$26 million

Also:
✅ Loss Ratio at an all time low: 62%!
✅ Car loss ratio improving fast, now at 76%
✅ Revenue grew by 42% to $195m
✅ Claims LAE at a record <7% (vs. industry average of 9%)
✅ In the last 24 months, claims team headcount shrank, while claim volume increased by >2.5x!
✅ Europe IFP: $51m (+168% Y/Y)
✅ Europe Loss Ratio all time low: 70%
✅ Cash and investments: >$1B and growing
✅ Raised full year 2025 guidance for all metrics

Up next:
⬆️ Starting to capitalize on our AI UW/pricing advantage. With Loss Ratio hitting our lowest levels ever, we can now turn it into a lever rather than a target, lowering costs and achieving price leadership. We’ll share more about this exciting new capability in our earnings call today.

⬆️ Continued focus on agentic automation of… everything. On the claims side, we expect our LAE to continue improving and become global best-in-class in claims efficiency.

⬆️ Expect @lemonade_inc Car growth to continue to accelerate, fueled by TAM expansion from new state launches (Pennsylvania is next) and increased growth spend.

⬆️ On plan to generate positive Adj. EBITDA in Q4 2026

[desync @_Manuel_L_]

@OrlandoG85 Is there a date for smart contracts?

[desync @_Manuel_L_]

@OliverTaleYazdi Polkadot Hub with smart contracts is coming in december right?

[Shai Wininger @shai_wininger]

We’re starting to roll out direct integration with @Tesla vehicles, removing the need for a UBI device in our Pay Per Mile product. This makes activating Lemonade Car on Teslas effortless and lets us cut hardware and shipping costs, helping lower prices for Tesla drivers even further.

Tesla's API also provides richer and more accurate driving behavior data than traditional UBI devices, enabling us to offer better rewards and discounts for safe driving and FSD usage.

[desync @_Manuel_L_]

@Zou_Block Agree

[desync @_Manuel_L_]

@michaelsobolik @CGasparino That is why @pro_jectliberty will win.

[desync @_Manuel_L_]

@alice_und_bob Where can we watch the full presentation?

[Csaint02 👑 🐂⭕️ @csaint02]

As of today @Polkadot has

-> Top 12 DEX in all of crypto via Hydration where you can net >25% APR on stables and BTC

-> Undisputed top gaming chain via Mythos housing Pudgy Penguins, NFL, and FIFA mobile games w/ more to come

-> 2 of 10 top rollups on earth by fees generated

-> Decreasing inflation, higher burn rate from core/blockspace sales, and serious discussions on capping supply

-> Best parties in crypto thanks to WebZero

If this sounds bullish, it’s because it is

Fundamentals beget pumpamentals

[Kevin O'Leary aka Mr. Wonderful @kevinolearytv]

The realization over the last two extensions has come home to roost. There is not going to be a purchase of TikTok with the Chinese algorithm. We know that we can't buy the algorithm so we're gonna have to rewrite this whole thing, but while we're doing that, we're gonna try and solve for all the litigation that social media gets all stemming from the fact that the platform owns the data and the customer doesn't. I think we're gonna have to fix that. So our proposal is to fix that and not use the Chinese algorithm.

When you issue a chip, let's say you take an NVIDIA chip, that chip is a queen bee. It sits in the center of the hive and every programmer that uses that chip is the honeybee. It spends millions of hours training on that chip, learning that chip, writing code for that chip and developing AI for that chip. That's the honey. There's only gonna be two kinds of honey on Earth. American or Chinese. Now if you want the world to be running on Chinese honey, stop shipping American queen bee chips, and that is what is happening right now.

[desync @_Manuel_L_]

@Joseptec One rollup using 4 cores?

[Polkadot @Polkadot]

Polkadot 2.0

▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░ 99%

[desync @_Manuel_L_]

@EmilKietzman @alexdimes7 When will Hub launch on Kusama? I don't think it will launch that fast on Polkadot when it hasn't even launched there.