Ankit Tanwar

Studying Money, Markets, Assets & People through Data. Building @fincepta Ex: @divvyhomes, @stilt_inc, @MerrillLynch, @BankofAmerica

[Ankit Tanwar @_tanwar_]

People learn about Returns and enter the market and then the market teaches them Risk.

[Ankit Tanwar @_tanwar_]

@jn_jackk Roast

[Ankit Tanwar @_tanwar_]

@brandonjcarl I was thinking of Token adjusted EBITDA, but this is better

[Ankit Tanwar @_tanwar_]

@Marsadist Artemis

[Ankit Tanwar @_tanwar_]

A lot remains to be solved in Finance

[Ankit Tanwar @_tanwar_]

@protosphinx Agree and I hope one step further (moving back and starting up as high agency signal) becomes a thing

[Ankit Tanwar @_tanwar_]

@pitdesi Few hole in the wall kind of places which I didn’t see in post/replies: doaba deli, tangra masala, pisillo panini, amish mkts

[Ankit Tanwar @_tanwar_]

@MaximeRivest Prompt-ponderance

[Ankit Tanwar @_tanwar_]

@waronweakness great quote! though imo its not that risk isn't real, but human mind is really bad at quantifying it. It values mild embarrassments much more & in similar extent to more catastrophic events. And this bias despite being aware of is really hard to overcome for most people.

[Ankit Tanwar @_tanwar_]

5% Tax on Remittance 👀

[Alex Lieberman @businessbarista]

Agencies are underrated as hell with AI.

1) Agentic workflows will expand margins significantly

2) As work becomes more decentralized, demand for specialized agencies will grow

3) Agencies will be ground zero for internal AI tools that can ultimately become software products

4) Don’t have to raise money. Can cash flow from day 1 and control your destiny.

[Ankit Tanwar @_tanwar_]

High rates & inflation aside, Opendoor's strategy to hold more homes on balance sheet & increasing inventory hold period has turn out to be a wrong decision at wrong time. It might still work out in due time but market is brutal, may need delisting.

[Triple Net Investor @TripleNetInvest]

BREAKING: Opendoor Technologies is under $1 and near bankruptcy as they burn through cash

This was a SPAC led by Chamath Palihapitiya who reportedly made hundreds of millions of dollars from his involvement w the real estate platform

Absolutely brutal... 💀

[Ankit Tanwar @_tanwar_]

👀 no disparate impact & fair lending investigations #CFPB #fintech #banking

[Ankit Tanwar @_tanwar_]

Solid use case for Employment and Income verification products in India

[Sakshi @333maheshwariii]

Arrange marriage are getting weird day by day. Girl's father asked my cousin for his salary slip. Is it normal ?

[GREG ISENBERG @gregisenberg]

where the world is HEADED over THE next 5 years...

1. anyone with a google sheet, zapier flow, X account and agent script is now a company-in-a-box.
2. your personal AI will attend meetings on your behalf, negotiate your raise to $140k, and decline 70% of your calendar invites using your communication style.

3. the internet will split in two: one for humans, one for AI agents.

4. Amazon will acquire exclusive rights to 50,000 human voices to create "voiceclones," allowing any text to be read in a specific celebrity's voice

5. 1,000+ millionaires will be minted because SEO is being rewritten for agents. this is 2002 all over again. it’s happening again, just under a new interface.

6. someone will build a $100m business around agent error recovery alone: rollback, retries, mitigation, insurance.

7. the world chess championship 2028 will feature a human with an implanted AI chip competing against traditional players, sparking a global debate about what counts as human.

8. AI will make "good enough" content free. differentiation will come from distribution, speed, and originality.

9. MVPs will need to feel complete on day one because if it works, someone will clone it with AI in 15 minutes.

10. “what software do you use” will be replaced with “what agents run your life”.

11. goldman sachs will replace 25% of their investment banking analysts with AI systems that produce better deal memos/work 24/7. Others follow. Kinda like how when Elon laid off lots of Twitter. Others followed.

12. a startup will die because its product was misinterpreted by a dominant agent.

13. the new startup MVP is a prompt, a workflow, and a landing page.

14. hire an agent will become the default path for doing anything annoying or repetitive.

15. millions of small businesses will be valued based on agent-ability—how easy they are to automate.

16. "digital protectionism" will emerge as countries block foreign agents from accessing local markets and data.

17. an underground market for jailbroken gpt-9 will emerge, where users pay $50,000 for unrestricted models that can help create anything from designer drugs to autonomous weapons.

18. the new distribution hack is getting your product recommended inside high-traffic agent workflows.

19. the healthcare industry will face a reckoning when an AI diagnostician correctly identifies 97% of conditions from smartphone photos while the average doctor achieves only 62% accuracy.

20. a small town will become entirely agent-operated with AI systems managing all municipal services, reducing local taxes by 44% while improving satisfaction ratings by 71%.

21. the $100 million email will occur when an AI agent autonomously negotiates and closes a 9-figure business deal through 437 back-and-forth messages without human intervention.

22. creators will build businesses without employees by licensing their workflows as AI franchises.

23. "agent drift" will become a business risk category when your AI stops acting like you intended.

24. AI agents will generate so much decision data that a new class of analytics startups will emerge just to interpret it.

25. you'll buy software not because it looks great but because it plays nicely with your agent stack.

26. a new form of vertical media will emerge: content written for agents to train on, not humans to read.

27. business owners will outsource entire departments to agents before ever hiring a single person.

28. NPS is a satisfaction score for humans—there will be an aNPS (agent net promoter score) and brands will compete to earn it.

29. the new UX isn't chat, it's goals. grow my revenue will be the new interface.

30. financial agents will create a renaissance in SMB investing, anyone can own slices of niche cash cows.

31. roboadvisors finally become mainstream with AI. investing with them becomes default over human advisors in suits.

32. you'll tell your AI grow my podcast and it'll book guests, write scripts, edit clips, and run distribution while you sleep.

33. agency margins will collapse. productized service businesses powered by AI will take their place.

34. every software category will be rebuilt from scratch with AI as the core logic, not a feature bolted on.

35. the first AI-to-AI only language will emerge, removing human-readable elements to enable 40x faster agent communication in an ecosystem humans can’t monitor.

36. job titles like AI ops lead and workflow architect will become as common as growth lead.

37. an AI system analyzing SEC filings will identify a $1b accounting fraud that human auditors missed for five years, triggering regulatory overhaul.

38. we'll witness the middle-class founder renaissance when 100,000+ non-technical professionals with no savings launch profitable businesses using agent-powered toolsets.

39. LLMs will flaunt memory as a core feature. products will market remembers your context forever like it’s the new iPhone storage size. Memory will lock people into their daily driving LLMs

40. agents will enforce compliance by default. many humans won’t qualify to do their own taxes.

41. the most valuable data product of the next decade will be an agent reputation graph.

42. a new kpi emerges: h2a ratio—human-to-agent interaction mix.

43. AI agents will silently handle 70% of your digital interactions while you sleep, making inbox zero the new normal. the internet actually becomes calmer.

44. a breakout newsletter with millions of subscribers is for agents, not humans. raises a $50m series B round from a megafund.

45. every boring saas tool is now at risk of becoming an API endpoint for a better agent interface.

36. AI is making the internet feel new again, new behaviors, new primitives, new monopolies.

[Ankit Tanwar @_tanwar_]

all hinges on a tweet

[Ankit Tanwar @_tanwar_]

Great set of expectations which every firm should follow to be more efficient.

[tobi lutke @tobi]

I heard this internal memo of mine is being leaked right now, so here it is:

[Ankit Tanwar @_tanwar_]

If schools and boards can’t do the same in India (& also US), I hope few good Edtechs can target AI learning for school kids.

[Wayne Yap @wayneyap]

7/ First Graders AI Mandate

In case you haven't heard... By Sep 1st, 2025, every student in China is mandated to learn AI from primary school.

Mandated. From 6 years old.

[Ankit Tanwar @_tanwar_]

@AdenaHefets Adena, congratulations to you and Divvy leadership! Not just a business accomplishment but it’s changed lives by transforming homeownership dream into reality for thousands of families.

[Ankit Tanwar @_tanwar_]

@pitdesi If you squint at your data sample just right and tilt your head 45 degrees, you can see exactly what you wanted to prove

[Ankit Tanwar @_tanwar_]

My interpretation for lending/credit fintechs:

Risk focus in boom becomes growth strategy during correction

Opportunity focus in correction becomes growth strategy during boom

often its the opposite: risk focus in correction & opportunity focus in boom