sudjeev.eth

Co-Founder of @MetaLend_DeFi Former Head of Growth and Marketplace @BirdRide, Ex-PM @ZipRecruiter

[sudjeev.eth @SudjeevS]

This isn't an April Fools' joke. An AI actually built me a savings account that earns 10x the average national savings rate. In 20 minutes.

$10K in USDC earning 4.13% APY — and it automatically rebalances to the best yield within my safety parameters.

Here's what happened 🧵

[Teg Singh @0xfauji]

30Y bond yields are hitting levels not seen in 20+ years internationally and not seen since the financial crisis in the US. Not financial advice but in bracing for a correction and watching for the printer 🖨️

[sudjeev.eth @SudjeevS]

@pmarca This tweet made me realize that looking in the mirror and saying affirmations is really just a way to update your own system prompt lol

[Teg Singh @0xfauji]

The first casualty of war is the truth

[Teg Singh @0xfauji]

Google is the most mispriced mega-cap in the market right now.

Everyone’s focused on the AI race. Almost nobody has done the math on what’s sitting on Alphabet’s balance sheet. 🧵

[Will Ahmed @willahmed]

You have no experience.
You’ve never started a company.
You’ve never had a full time job.
Nike is going to kill you.
You’re a kid.
You don’t have technical skills.
You shouldn’t build hardware.
Apple is going to kill you.
You can’t build hardware.
You can’t measure heart rate non-invasively.
Athletes don’t care about recovery.
Under Armour is going to kill you.
It won’t be accurate.
You don’t listen.
You’re an ineffective leader.
You can’t recruit great talent.
You’re going to have to pay every athlete.
You can’t measure sleep non-invasively.
It’s too expensive to research.
Athletes are a small market.
The product costs too much to make.
The product costs too much to sell.
Your valuation is too high.
Consumers aren’t going to want it.
Hardware is too hard.
You should measure steps.
Fitbit is going to kill you.
You can’t build a marketing engine.
You can’t raise enough money.
You need a real CEO.
Google is going to kill you.
You can’t be a subscription.
You can’t build a brand.
You can’t do consumer in Boston.
Your valuation is too high.
You shouldn’t make accessories.
You shouldn’t make apparel.
Lululemon is going to kill you.
You can’t predict Covid.
Stay in your niche.
You are going to run out of money.
You can’t build a health platform.
Amazon is going to kill you.
You can’t measure blood pressure.
You can’t get medical approvals.
The market is too small.
You don’t understand AI.
The market is too competitive.
It won’t work internationally.
The supply chain is too complicated.
You can’t build an AI.
You can’t raise enough money.
It’s too competitive.
Healthcare isn’t going to want it.
…

Just keep going ✌️

[sudjeev.eth @SudjeevS]

What I used:

MetaLend API (powers MetaMask card yield):
https://t.co/Rs6d6G4Zyl

Free API keys: https://t.co/8zr0X8fVvP

The repo has a CLAUDE.md that tells any AI assistant how to build from the spec.

Clone it. Tell Claude what you want. Go earn yield.

[sudjeev.eth @SudjeevS]

This isn't an April Fools' joke. An AI actually built me a savings account that earns 10x the average national savings rate. In 20 minutes.

$10K in USDC earning 4.13% APY — and it automatically rebalances to the best yield within my safety parameters.

Here's what happened 🧵

[sudjeev.eth @SudjeevS]

This is what DeFi should have always felt like.

Not "spend 3 hours researching pools and bridging between chains."

More like "tell the AI what you want, set your risk preferences, and sign."

The complexity isn't gone — it's abstracted into an API. You stay in control.

[sudjeev.eth @SudjeevS]

@kritarthmittal Agent

[a16z @a16z]

Elon Musk on how he moves so fast: "I'm constantly addressing the limiting factor."

"I generally try to aim for a deadline that I at least think is at the 50th percentile. So, it's not like an impossible deadline, but it's the most aggressive deadline I can think of that could be achieved with 50% probability.  Which means that it'll be late half the time."

"A maniacal sense of urgency is a very big deal. You want to have an aggressive schedule. And then you want to figure out what the limiting factor is at any point in time and, and help the team address that limiting factor."

Source: @elonmusk with Stripe’s @collision and @dwarkesh_sp

[sudjeev.eth @SudjeevS]

@0xfauji @LukeGromen Answer the question Luke!

[Teg Singh @0xfauji]

The crux of the Warsh Doctrine is the Policy Barbell: a strategy that seems contradictory under standard macroeconomic models but is internally consistent within his framework of "Practical Monetarism".

Leg 1: Interest Rate Cuts
Warsh argues that high real interest rates punish the supply side of the economy. In an era of technological transformation, high hurdles for capital expenditure (CapEx) stifle the very investments in AI and automation that are necessary to drive productivity and disinflation. By cutting the Federal Funds Rate, Warsh intends to lower the cost of capital for the real economy, encouraging businesses to invest in efficiency-enhancing technologies.

Leg 2: Aggressive Balance Sheet Reduction (QT)
Simultaneously, Warsh seeks to aggressively shrink the Federal Reserve’s balance sheet. He views the Fed’s $6.6 trillion portfolio as a distortionary force that suppresses the term premium—the compensation investors demand for holding long-term risk. By holding trillions in Treasuries and MBS, the Fed effectively subsidizes the federal government’s borrowing costs and encourages fiscal indiscipline.

This bifurcation creates a specific market environment: steepening yield curves. Short-term rates fall (driven by policy cuts), while long-term rates rise (driven by the removal of the Fed’s bid and the return of the term premium). This is also known as a "Bear Steepener," historically correlates with a rotation from financial engineering assets to real economy assets.

[sudjeev.eth @SudjeevS]

@learningxyz Happy to connect! What’s the best way to get in touch?

[sudjeev.eth @SudjeevS]

My new favorite feature! For DeFi to go mainstream it needs to get safer - this is the first step in that direction 🙌

[MetaLend @MetaLend_DeFi]

Trust code, not curators.

Today, MetaLend launches Custom Liquidity Guardrails.

Giving you control over where your funds are deployed based on set liquidity conditions. Smarter lending starts here.