Kush

Fintech | Product | Ex - Paytm | MBA - XLRI | Tech - DCE Building payment products for India

[Kush @agarwalboi]

Apparently it is the recitation of upanishad which says:

The right will I will speak,
and I will speak the true,
May that protect me; may that protect the teacher.
Peace! Peace! Peace!

Irony died a painful death?

[Dr. Shama Mohamed @drshamamohd]

My cook plays the Gayatri Mantra every day when he enters my kitchen, and I listen to it every day and like it.

But my question is: Why was the Gayatri Mantra played at an IIT convocation? It wasn’t a religious event. Our educational spaces should be free from religious slogans and chants of all religions

[Kush @agarwalboi]

Happened to me 13 years ago. Couldn’t fight the system. Moved on.
Tech doesn’t solve for inherent incompetence or malice in the system.

[VEDANT @VEDANTSHRIV17]

If this is true, then what exactly was evaluated under my roll number?

My paper?
Or someone else’s?
This is no longer just a “rechecking” issue.

This may be a serious answer-sheet exchange or tagging error in CBSE’s OSM system.

[Harsh @huntheharsh]

My Great Grandparents were a SINK couple.
Single Income Nine Kids.

[Sidu Ponnappa @ponnappa]

your friends are the people you don't have to lie to

[Kush @agarwalboi]

Disappointing. Very average.

[Adithya Venkatesan @adadithya]

Godddammmit, Subko, that's just illegal.

[Kush @agarwalboi]

@Swiggy I was charged Rs. 4988 for a Whole truth isolate. The MRP is Ra 4449. Your selling price is Rs. 4439.

Your standard chat customer support has no way to resolve this. Order id - 235842644243528

[Kush @agarwalboi]

Looks promising. Hope they build for long run with trust.

[punarv @ycocerious]

Today, we're launching Nue Health, India's most affordable preventative healthcare membership.

This all first started when I heard Nithin Kamath had suffered a heart attack - someone who cared so much about health and fitness. How was this possible?

We're constantly told that we hit our "quarter life crisis" at 25 - which means we're all supposed to live till a 100 right?

Then why was I seeing so many people succumb to cancer and cardiac arrests in their 30's and 40's?

Something didn't add up.

I dug deep - there had to be a way to see this coming.
Why was everyone in the dark about what was happening inside their body?

This is when I realised that health is an extremely fragmented and uncertain experience in India.

People don't know what biomarkers to test, what to do with an 18 page blood test report, how to connect these results over time and exactly what they needed to do to improve their health.

They had the data, but they didn't know what to do with it.

We put our heads down and started building. We learnt every single thing there is to know about the space. Got engineers and researchers from Princeton onto the team - people who've been into biology since they were 14.

We're building a digital twin of the human body for every Indian - one single blood panel tested every 6 months, combined with your wearable and nutrition data, and a doctor verified action protocol so you know exactly what's happening inside your body at all times and what you need to do to improve it.

We're building a new kind of healthcare :
one that that doesn't wait for you to get sick before taking action.
one that helps you understand your unique biology.
one that India truly deserves.

Link in pinned tweet.

[LaurieWired @lauriewired]

Would you let a computer hijack your muscle movements if it increased your performance 35%?

I totally would.

Came across a really interesting ACM paper today (SplitBody), where subjects were given difficult multitasking challenges.

Their mental load was “reduced” by having a computer electrically stimulate their arm instead. Bodily autonomy wise, it might feel a bit freaky, because you have the proprioception of your arm moving, but without the mental load of you moving it.

I think it’s actually less creepy than it sounds, and I wish more research was poured in this area.

Let me give an example. As a dancer myself, early on, aerials have a difficult initial mental barrier. The common way to learn is to essentially let your teacher control your muscle movements, repeating the overall motions, over and over again.

By sort of “proving” the movement is possible (giving up autonomy!) the concept suddenly clicks, and you’ll “just get it”.

I feel like there’s probably a lot of interesting biological barriers that could be overcome if you trained yourself to go past traditional limits by electrical stimulation first. Take a look at the Bannister effect!

[Harshil Mathur @harshilmathur]

In 2016, @UPI_NPCI was just getting started.
We chose to go all in early - making it accessible to every merchant on @Razorpay even before many banks were live.

Fast forward to today. UPI turns 10, and it has fundamentally reshaped India’s digital economy - from how consumers pay to how businesses are built.

Few technologies have scaled with this kind of speed, trust, and ubiquity. Credit to @RBI, @NPCI_NPCI, @dilipasbe, and the entire banking and fintech ecosystem.

The last decade changed how India transacts. The next decade will redefine what India builds on top of it 🇮🇳🚀

[Kunal Shah @kunalb11]

It’s 10 years to UPI today. What a staggering run this has been.

Approx 450M monthly users
Approx 250M daily users.
Approx 100M new autopay mandates setup
Approx 500M autopay debits a month.

@NPCI_NPCI @dilipasbe

[Ayush Agarwal @ayushagarwal]

someone told me "payments is a solved problem."

brother I just spent 3 weeks figuring why a specific card type from a specific bank in a specific country fails silently on tuesdays.

nothing about global payments is solved.

[Kush @agarwalboi]

Works well for solo knowledge base but breaks down for multi-person, fast-moving projects because the wiki goes stale the moment someone doesn’t update it.

A lot of context remains in human minds and is not captured anywhere else.

[Andrej Karpathy @karpathy]

Wow, this tweet went very viral!

I wanted share a possibly slightly improved version of the tweet in an "idea file". The idea of the idea file is that in this era of LLM agents, there is less of a point/need of sharing the specific code/app, you just share the idea, then the other person's agent customizes & builds it for your specific needs.

So here's the idea in a gist format: https://t.co/NlAfEJjtJV

You can give this to your agent and it can build you your own LLM wiki and guide you on how to use it etc. It's intentionally kept a little bit abstract/vague because there are so many directions to take this in. And ofc, people can adjust the idea or contribute their own in the Discussion which is cool.

[Kush @agarwalboi]

@Vinaybagree FYI - this is spoiling the Niyo experience.

[Kush @agarwalboi]

@DCBBank tired of raising complaints. I am getting no responses from your end. DM’ed you the phone number and replied on quoted tweet. Emailed you and followed up multiple times 2 weeks back. No response - forget resolving the query.

[DCB Bank @DCBBank]

@agarwalboi Dear Kush, we are sorry you feel that way. Please allow the Bank to look into it. Kindly DM your registered mobile number, or kindly contact DCB Customer Care [email protected] or 022 6899 7777, 040 6815 7777  from your registered email ID or cellphone number.

[Kush @agarwalboi]

Also tried calling. No one is available on support. Pathetic customer support.

[Kush @agarwalboi]

@DCBBank Sharing RRN publicly- 608018562231 . Have also DMed you my number. Have also emailed multiple times but no response.

[Kush @agarwalboi]

@theniyo @DCBBank I had tried an Atm withdrawal transaction which had failed in Nepal.

Money was debited but transaction failed. This should have been reversed post recon but has not been done even after 10+ days.

No response from your customer care end as well on email.

[Cheng Lou @_chenglou]

My dear front-end developers (and anyone who’s interested in the future of interfaces):

I have crawled through depths of hell to bring you, for the foreseeable years, one of the more important foundational pieces of UI engineering (if not in implementation then certainly at least in concept):
Fast, accurate and comprehensive userland text measurement algorithm in pure TypeScript, usable for laying out entire web pages without CSS, bypassing DOM measurements and reflow

[Andrej Karpathy @karpathy]

Software horror: litellm PyPI supply chain attack.

Simple `pip install litellm` was enough to exfiltrate SSH keys, AWS/GCP/Azure creds, Kubernetes configs, git credentials, env vars (all your API keys), shell history, crypto wallets, SSL private keys, CI/CD secrets, database passwords.

LiteLLM itself has 97 million downloads per month which is already terrible, but much worse, the contagion spreads to any project that depends on litellm. For example, if you did `pip install dspy` (which depended on litellm>=1.64.0), you'd also be pwnd. Same for any other large project that depended on litellm.

Afaict the poisoned version was up for only less than ~1 hour. The attack had a bug which led to its discovery - Callum McMahon was using an MCP plugin inside Cursor that pulled in litellm as a transitive dependency. When litellm 1.82.8 installed, their machine ran out of RAM and crashed. So if the attacker didn't vibe code this attack it could have been undetected for many days or weeks.

Supply chain attacks like this are basically the scariest thing imaginable in modern software. Every time you install any depedency you could be pulling in a poisoned package anywhere deep inside its entire depedency tree. This is especially risky with large projects that might have lots and lots of dependencies. The credentials that do get stolen in each attack can then be used to take over more accounts and compromise more packages.

Classical software engineering would have you believe that dependencies are good (we're building pyramids from bricks), but imo this has to be re-evaluated, and it's why I've been so growingly averse to them, preferring to use LLMs to "yoink" functionality when it's simple enough and possible.

[Arpit Bhayani @arpit_bhayani]

If you have more than 5 years of experience, make sure you always keep a few small projects ready on the back burner. These are ideas you can pick up and run with at any time.

First of all, this is a great way to show that you care about the product and can spot gaps before others do. It also puts you in a good light with your leaders and increases your influence. It helps you stand out as someone who thinks ahead and stays prepared.

While these are already great wins for you, doing this also helps you

- be ready with good first projects for new joiners
- have meaningful work ready during slow cycles
- stay in touch with real customer pain points
- find small wins that build trust with stakeholders

More importantly, it lets you influence the product and your team's roadmap. This is a great way to earn extra points with leadership and climb the ladder faster.

Keep your back burner hot and your career hotter :) Hope this helps.