Ricardo Accioly

Helping companies figure out AI, stablecoins, and what happens after they buy another company. Then I go lift heavy things. Brazilian dad in Georgia.

[Ricardo Accioly @raitec]

@SmelterLabsai @antigravity that didn;t work for me.. and to use the project means I will only use my AI credits not the "free" ones...

[Ricardo Accioly @raitec]

@Ceoz_1 @antigravity having the same issue!!! :(

[Ricardo Accioly @raitec]

@antigravity I just installed it and i'm not able to use it! keep getting this error.

[Santiago R Santos @santiagoroel]

I started looking at Western Union because I thought stablecoins would kill it. Then I realized WU is better positioned than almost anyone to leverage them.

Brand, distribution, 200+ countries, $923M in EBITDA. The key risk was management. They had been skeptical of stablecoins.

I placed the bet in November. Since then WU has not only outperformed Solana but the broader market:

WU +2.14% / SPX -6.76% / Nasdaq -11.66% / SOL -56.15%

WU is a $2.8B market cap business trading at 6x earnings with a 10% dividend yield. Remitly trades at 50x on a 2.3% operating margin. Wise at 23x. The discount exists because WU revenue is declining 3.8% while both are growing 25%+. I am not fighting that. But at 6x earnings you are paying for zero recovery, zero tech adoption, zero optionality. That is the margin of safety.

I was at the @blockworksDAS this week. The WU CEO was on the same stage. Very different energy from the one I had been following. Clear on the stablecoin strategy, talking about flipping negative float into positive float. They have since announced USDPT, their own stablecoin on Solana. For a 175-year-old company to go from skepticism to launching on Solana in under a year is a meaningful shift. Of course, there is plenty of execution risk. The bear case was always that they would not act. They are acting - and that alone warrants a repricing.

The math I ran back in November when I placed the bet was: lose ~20-30%, cushioned by $500M in net income and a 10% dividend. Re-rate to Wise multiples and it is 4 to 5x.

I am not betting on convergence. I am betting the market prices zero probability of it, and I will get paid for getting a free option.

WU is part of a broader thesis that led me to start @inversion_cap: acquiring businesses with distribution at attractive prices. There is a lot of embedded optionality in those businesses. Not all will act in time. Some will die. But the ones that do will meaningfully outperform, and those gains will more than outweigh the losses. You reduce that risk meaningfully when you control that business.

The greatest beneficiaries of cost-reducing technology like AI and crypto are not the startups building it. They are the incumbents with distribution that adopt it.

WU is one of many. Full piece on Substack: https://t.co/tsbU7YFIHA

@HadickM double or nothing? Market settles November 1, 2026.

DISCL: Long WU. Long SOL. NFA.

[Ricardo Accioly @raitec]

Code intelligence handles one side, what the code does. But there's also the question of whether the docs actually match.

DocGuard (https://t.co/bPsMa2ivuf) does for documentation what GitNexus does for code structure. Automated validation, drift detection, and AI-driven repair. Zero dependencies, plugs into the spec-kit ecosystem.

GitNexus tells your AI what depends on what. DocGuard tells it what the code is supposed to do. Complementary layers.

[Ricardo Accioly @raitec]

@championswimmer This is the way. I took the same philosophy and made it enforceable:
DocGuard generates canonical docs from your codebase, then validates they stay in sync — 51 checks, traceability matrix, quality scoring.

Plans + enforcement > plans alone.

https://t.co/Ya9WxBQuNX

[Ricardo Accioly @raitec]

@_ketan check this out.. https://t.co/8kUY6gFvdf

[Ricardo Accioly @raitec]

@aiedge_ @bcherny @iamsupersocks Dropping a CLAUDE.md at root is step 1.

Step 2 is making sure it doesn't go stale 3 days later.

DocGuard does both and generates AGENTS.md from code, then validates it stays in sync. 51 checks, zero deps.

https://t.co/Ya9WxBQuNX

@bcherny @AnthropicAI

[Ricardo Accioly @raitec]

Hot take: Your AI coding agent has no idea what your project actually does.

AGENTS.md doesn't help if the docs underneath are garbage.

DocGuard enforces Canonical-Driven Development: → Generate docs from code → Validate them on every commit → Score your "doc tax"

Like ESLint, but for your documentation.

https://t.co/XZmvpGzHzH

#DevTools #AIAgents #CDD

[Ricardo Accioly @raitec]

🚀 Just shipped DocGuard v0.7.0 — the CLI that enforces documentation-as-code

6 new features inspired by peer-reviewed AI research from U of Arizona

Zero dependencies. Pure Node.js. 15 commands.

npm install -g docguard-cli

🧵👇

What's new in v0.7.0:

✅ docguard guard now shows [HIGH/MED/LOW] quality labels per validator ✅ docguard trace — traceability matrix (ISO 29119) ✅ docguard score --signals — multi-signal quality breakdown ✅ docguard diagnose --debate — 3-agent AI prompts

All grounded in CJE research ↓

The research behind it:
AITPG (IEEE TSE 2026) — Multi-agent test plan generation + RAG TRACE (IEEE TMLCN 2026) — Calibrated quality evaluation

We cited them properly. Open source. Academic rigor meets developer tooling.

GitHub: https://t.co/XZmvpGAfpf

#OpenSource #DevTools #DocumentationAsCode #AIResearch

[Crossmint @crossmint]

Read the full press release: https://t.co/SZ9sMsAkIh

[Ricardo Accioly @raitec]

if looking for a coupon for https://t.co/yuglMzl7FA use this SAVE5 to save 5%...
https://t.co/2S1DEtSTeB

[Ricardo Accioly @raitec]

Just tried @heybossAI to build an app in 9min!
It generated everything with great usability, exactly how I described it. I’ll release it once I have a solid MVP, but I definitely recommend giving it a try to see the power of AI. https://t.co/8dESaEJj8O
#AI #heybossAI

[Ricardo Accioly @raitec]

We #hire seasoned professionals. Our #consultants are driven, ambitious, and experienced. They bring both industry and domain-specific expertise to every project. #Consulting https://t.co/BnsfyZvWAF

[Ricardo Accioly @raitec]

How does #leadership style impact team productivity? Find out in the latest Exit Interview, where we explore the costs of workplace incivility and how proactive leadership can make all the difference. Also, catch up on the latest #HR tech developments. https://t.co/qnXwYHuxVq

[Ricardo Accioly @raitec]

Don’t let a weak link compromise your organization’s security. Discover actionable steps to bolster your cybersecurity in our new article. #DataProtection #Cybersecurity #SEIInsights https://t.co/1jw23zF1Tf

[Ricardo Accioly @raitec]

Proud moment for #SEICincinnati! They’ve been named as a finalist for the Cincinnati Business Courier's Best Places to Work 2024 in the Large Company category. #BestPlacesToWork #LifeAtSEI https://t.co/p2Wu4ZB85r

[Ricardo Accioly @raitec]

AI isn’t just about hitting home runs; singles and doubles matter too. That’s one of the many insights from the recent panel hosted by SEI Atlanta. Stay tuned for details on their upcoming Q4 event! #TechTalks #AI #LifeAtSEI https://t.co/MgXwLKnVQW

[Ricardo Accioly @raitec]

We #hire seasoned professionals. Our #consultants are driven, ambitious, and experienced. They bring both industry and domain-specific expertise to every project. #Consulting https://t.co/RVSSsgTplg

[Ricardo Accioly @raitec]

Mark your calendars! SEI will be at IM-TECH 2024 on September 12, hosting a free panel on how Immersive Technology is transforming industries. #ImmersiveTech #AI #SEI https://t.co/VUfvCNivCv