Paul Kramer

nonprofits lead @stripe & recent dropout @vanderbiltu
self-proclaimed free thinker: often wrong but enthusiastically so

[Paul Kramer @repkramer1]

Payments friction is a regressive tax on small business. As of this week, a million Lloyds business customers can start accepting payments in minutes, on the same payments infrastructure as the world’s leading companies.

[Patrick Collison @patrickc]

Delighted to partner with @LloydsBank to bring Stripe’s capabilities to millions of new businesses.

https://t.co/rEBi61zWLT

[Nan Ransohoff @nanransohoff]

New blog post: The third wave of American philanthropy

Hundreds of billions of dollars in new philanthropic capital will soon become liquid. The OpenAI Foundation holds 26% of OpenAI, worth about $220B at today’s valuation. Anthropic’s seven co-founders have pledged to give away 80% of their wealth and have instituted the most aggressive donor matching program for employees in tech history.

How much does this all add up to? And how meaningful is that in the context of philanthropy today?

I was doing some simple napkin math to wrap my head around the scale of what’s coming, and radicalized myself in the process. I had dramatically underappreciated the scale of the philanthropic capital that’s about to become available and the corresponding gap in talent and organizations that will be needed to make the most of it.

This piece aims to directionally sketch the scale of what’s coming, the gap in operational capacity needed to absorb it, and what we can do to fill it.

(Link to full post in reply)

[Stripe @stripe]

Our Stripe Sessions 2026 keynote in 12 minutes.

[Max Friedman @max_friedman8]

Excited to be speaking @stripe Sessions this week in SF.

In just 6mo we’ve processed $50M in deposits to Givebutter Wallet and paid out $100k+ in rewards to nonprofits, all powered by Stripe Treasury.

Will be chatting about this & more with @repkramer1 - say hi if you’re here!

[Paul Kramer @repkramer1]

Would you donate more money if it was as fast as ordering something on Amazon or with Apple Pay?

[Alexandr Wang @alexandr_wang]

1/ today we're releasing muse spark, the first model from MSL. nine months ago we rebuilt our ai stack from scratch. new infrastructure, new architecture, new data pipelines. muse spark is the result of that work, and now it powers meta ai. 🧵

[Harvard Business Review @HarvardBiz]

Nonprofits can help you gather intelligence, build coalitions, and shape the larger business environment. https://t.co/qZBqZEbcZt

[Patrick Collison @patrickc]

We’re going to keep expanding the catalog! More than 100 services in the works; reach out to the team if you’d like to be included.

[Tempo @tempo]

Agent payments will soon overtake human payments on the internet. The Machine Payments Protocol (@mpp) is a new open standard co-authored by @stripe and @tempo.

It’s designed to be extensible and payment-method agnostic, already supporting stablecoins, cards, and more.

[Tempo @tempo]

Tempo Mainnet is live! Starting today, anyone can build on Tempo through our public RPC endpoints.

Alongside mainnet, we’re introducing the Machine Payments Protocol, an open standard for machine payments.

[Paul Kramer @repkramer1]

Everyone says AI will 10x productivity. I’m not convinced it’s making people better.

I’ve started to notice two types of people:
(1) Those who use AI to avoid thinking
(2) Those who use AI to think harder

The gap between them is getting very wide.

Most people are quietly becoming worse.

[Paul Kramer @repkramer1]

Psychological intelligence > EQ > IQ

[Paul Kramer @repkramer1]

and then there's the ones who are lazy and ambitious

[Codie Sanchez @Codie_Sanchez]

The most dangerous person in the room is the one who doesn’t need anyone's approval, attention or sympathy.

You just execute anyway.

[Paul Kramer @repkramer1]

most underrated skill today is the ability to communicate through writing

[Tancrede @Tancrededib]

A huge number of successful founders are also serious writers.

Paul Graham, Patrick Collison, Jason Fried, David Heinemeier Hansson, Jeff Bezos, Steve Jobs, Naval Ravikant, Sam Altman, Tobi Lütke, Marc Andreessen, Ben Horowitz, Chris Dixon, Andrew Chen, Dharmesh Shah, Brian Chesky, Ev Williams, Peter Thiel, Stewart Butterfield, Jack Dorsey, Fred Wilson, Mark Suster, Rob Walling, Tony Fadell, Brad Feld, David Sacks, John Collison, Reid Hoffman, Ray Dalio, Howard Marks, Peter Lynch, George Soros…

That’s probably not a coincidence

[Paul Kramer @repkramer1]

@JaredSleeper they're really doing something right!

[Paul Kramer @repkramer1]

not that crazy -- when you inevitably have to partake in the intensely transactional social culture people will be more likely to help you out! lol

[djcows @djcows]

crazy idea: build your startup and get revenue BEFORE moving to sf

[Paul Kramer @repkramer1]

how are we doing this? taxing AI? @AndrewYang

[Elon Musk @elonmusk]

@_kaitodev @garrytan @karpathy All jobs will be optional.

There will be universal high income.

[Paul Kramer @repkramer1]

there should be more companies hiring dropouts

[Paul Kramer @repkramer1]

it is insane how we can literally tell @vercel "make me an app that makes $X in MRR" and it'll probably make something people will pay money for

[Greg Brockman @gdb]

if you can imagine it, you can build it