Sanjay Kumar

👨‍💻Engineering @ Airwallex,
🍄 Arsenal FC, Atheism, Aviation, Culture, Dogs, Food, Football, History, Politics, Technology, Travel.

[Sanjay Kumar @kappa_gooner]

@karthikramesh91 @ManUtd Lol, false dawn. Exactly like the PSG game that helped Ole stay at the wheel and get a new contract.

[Sanjay Kumar @kappa_gooner]

@AarushYadav47 How do I sign up for a beta? 😊

[Sanjay Kumar @kappa_gooner]

Ronaldo and Jorge Jesus had an eight-point document setting out what the coach would say at a press conference. I can't get requirements that precise out of a product manager.

[Sanjay Kumar @kappa_gooner]

The Monetary Authority of Singapore's new AI rules keep banks and other financial firms accountable for AI that outside vendors build or run. You can outsource the model. You can't outsource the blame.

[Sanjay Kumar @kappa_gooner]

Visa, Mastercard, Stripe & us at #Airwallex are all exploring options to build safeguards for AI agents that spend money, and weighing liability for wrong purchases.

When an agent buys the wrong thing, who eats the chargeback: user, merchant, issuer or developer?
Dispute rules assume a human pressed buy.

[Greg Pstrucha @grichadev]

"while retaining code quality"

[Sanjay Kumar @kappa_gooner]

I’m happy to be alive.

[Neuralink @neuralink]

A beautiful surprise

[Dan Kim @dankimxyz]

Tonight in LA.

@Airwallex hosting a Stablecoins & Agentic Payments dinner at #AllInSummit.

Come say hi if you’re here.

[Łukasz Bączek @Lu_Class_]

Arsenal is one of 2026's biggest stories, climbing to third with brand value up 28% (€1.5bn), on the back of a first Premier League title in 22 years and UCL final run. In the ranking of the world’s most valuable football brands, the Gunners trail only Real Madrid and Barcelona.

[Sanjay Kumar @kappa_gooner]

Oh boy that @Arsenal bench looks formidable. Don't think any other team in the prem even comes close.

#ARSMCI

[Sanjay Kumar @kappa_gooner]

@elctrootball @ElijahKyama_ Lol. My my Skhodran stepping up as always!

[Sanjay Kumar @kappa_gooner]

@Arsenal Eduardo v Burnley - Beach Goal!

[Sanjay Kumar @kappa_gooner]

A prediction, from someone who spent a long time inside SaaS companies: the application layer we built our companies on is about to be hollowed out.

Every incumbent has bolted an assistant onto its product. Gemini inside Google. Rovo inside Atlassian. Copilot inside everything else. They are somewhat functional, and they are fundamentally limited, for a reason that has nothing to do with model quality.

A "bolt-on" lives inside one vendor's data and one vendor's incentives. It cannot cross-reference your Jira, act on your Slack, query your warehouse and book the meeting in a single motion. No SaaS vendor will ever build the neutral, cross-everything agent that genuinely helps you, because that would dissolve the lock-in that is the entire business.

So the workflow and the experience lift out of the app and into the agent, reachable through MCP and skills. What stays behind is the data: the source of truth, the permissions, the audit trail. SaaS does not die. It transforms to the thing it was always best at being, a system of record.

Value is migrating from the application to the agent. The interface collapses first, the application layer follows, and the platform is the contested prize at the end.

I wrote the full argument, including where I think I might be wrong: https://t.co/DCuy5npA38

#AI #SaaS #Platforms #Agents

[Sanjay Kumar @kappa_gooner]

@awxjack @airwallex The board member of a competitor warning you about a competitor. That's not a red flag. That's a confession.

[Arsenal @Arsenal]

Standing on the brink of history.

[Sanjay Kumar @kappa_gooner]

Invoicing, subscriptions, and usage-based metering on one stack, with 160+ payment methods and like-for-like settlement across 20+ currencies.

The part I find most compelling: no engineering workarounds needed to launch or adjust pricing models. For AI and API-driven businesses especially, that's a massive unlock 🚀

[Sanjay Kumar @kappa_gooner]

@awxjack nails something that's easy to underestimate from the outside.

Proud moment for the team. Airwallex has spent a decade building the global payments infrastructure underneath, and Billing is what happens when you put a full revenue lifecycle product on top of that foundation. Usage-based metering, subscriptions, invoicing, A2A settlement in 20+ currencies, 160+ local payment methods - All on a single stack.

[Jack Zhang @awxjack]

https://t.co/Yt6IIkdExd

[Sanjay Kumar @kappa_gooner]

@chancr7 Thank you, feels like an eternity. 🙇‍♂️

[Sanjay Kumar @kappa_gooner]

May have spoken a tad too soon last time around. We had to wait on Max Dowman 3 years later to provide the real "Kiko Macheda" moment. COYG.

[Sanjay Kumar @kappa_gooner]

Reiss Nelson’s goal was our own “Kiko Macheda” moment from all those years ago. An atypical “average” academy player usurping the superstars around him to steal the thunder & win #Arsenal an unlikely 3 points.
If I wasn’t confident of winning the league before the game, I am now

[Sanjay Kumar @kappa_gooner]

@WestHam_Central