Ryan Elliott

Co-founder & CTO @ @ZeroSettle (YC W26), Prev @ Apple

[Ryan Elliott @relliott3131]

The narrative around Cal AI getting pulled from the App Store misses the mark. It’s not about Stripe being "dangerous." It’s about Apple intentionally making alternative billing rules a confusing, opaque minefield. They design the guidelines so that stepping out of line is practically guaranteed.

Apple actively benefits from the mass hysteria and confusion every time an app gets booted. By keeping their enforcement vague and unpredictable, they turn every takedown into a warning. It’s a calculated move to scare developers away from ever trying to use alternative billing.

[Ryan Elliott @relliott3131]

The App Store landscape is going through the largest transformation since its inception, @ZeroSettle is here to help you be a part of it

[Y Combinator @ycombinator]

ZeroSettle (@ZeroSettle) is building a drop-in direct billing SDK for in-app purchases.

It takes 15 minutes to integrate instantly unlocks zero App Store fees, higher retention, and instant payouts.

Congrats on the launch, @gaberoeloffs & @relliott3131!

https://t.co/uNnLVij8YU

[Ryan Elliott @relliott3131]

Ran into a bug in Claude Code: suspending a session with ctrl+z and bringing it back to the foreground after a while tends to corrupt the TUI @bcherny

[Gabe Roeloffs @gaberoeloffs]

We’re sending out our first batch of fresh pressed juices to mobile app leaders (overnight ofc). QR code goes to calculator that shows how much “juice you can squeeze” by avoiding 30% Apple tax and using @zerosettle for in app purchases instead!

[Tim Sweeney @TimSweeneyEpic]

The times are changing for mobile game developers! Currently Apple and Google are at 0% fees for US transactions on competing payment systems, and no onerous restrictions or scare screens for directing customers to those payments.

Great details below -

[Gabe Roeloffs @gaberoeloffs]

I used to work in the Services org at Apple. Internally, it was taken for granted that the 30% App Store cut was “close to cost.”

Did some digging into it and this was the actual math:
Visa/Mastercard processing ~3%
Chargeback Fraud ~0.5%
Support/refunds labor cost ~1–2%
Billing/tax/compliance ~1%
Hosting/CDNs -2%
Call it ~8%.

Apple charges 30%. I'm no economist, but a > 70% operating margin feels more like rent than than the free market. That's almost ~20B profit, more than 5x what Starbucks does (and no coffee 😞)

[Ryan Elliott @relliott3131]

@WatcherGuru Hopefully this also means funds settle faster than ever before for creators, too 👀

[Artemis @artemis]

Stablecoin Supply Hits ATH of $307.2B

[Gabe Roeloffs @gaberoeloffs]

you either die a hero or live long enough to see yourself become a pm

[Gabe Roeloffs @gaberoeloffs]

Network fees are necessary, but exposing them isn’t. Requiring SOL to send USDC is like Venmo requiring a small euro balance to send dollars. Needs to be abstracted away or consumer crypto won’t scale.

[@philjamesson.com on bsky @PhilJamesson]

me (putting index finger out): 1

you: counting on your fingers huh? classic

me (putting thumb out): 2

you: ok, a little weird

me (putting other index finger out): 3

you: that's not protocol

me (putting other thumb out): 4

you: stop that

me (pointing finger guns): no

[Ryan Elliott @relliott3131]

@kevinmcmahon0 Wii fit trainer

[Ryan Elliott @relliott3131]

@kevinmcmahon0 Why being tall ain’t as cool as it’s chalked up to be

[Ryan Elliott @relliott3131]

@NepetaDev Hey, I’m developing a Spotify tweak right now and am wondering if you have any insight regarding a song’s metadata or how Spotify parses and interprets a song’s duration? I’m afraid I’m totally lost and am not familiar enough with Spotify’s headers

[Ryan Elliott @relliott3131]

@ignition @LaughingQuoll Jail breaking is alive @ben_alessio22

[Ryan Elliott @relliott3131]

@Dave2Dtv @LGUS You can’t beat the portability

[Ryan Elliott @relliott3131]

@tldtoday I still prefer the iOS 9 Control Center. The new ones look too bubbly and don't seem to be as funcitonable

[Ryan Elliott @relliott3131]

@dbrandSkins whenever I'm bored I'll just order some skins cause why the hell not?