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Think of a fintech company with a debit card. Square’s Cash App. Chime. Robinhood. Stripe Issuing, and users like Ramp and Bench. All of them, virtually without exemption, are brought to you courtesy of a small financial institution that you are unlikely to have heard of (unless you work in fintech or read Terms and Conditions for fun). Durbin exem... See more

Today, more than 30% of all new free subscriptions and around 10% of paid subscriptions to Substacks come from within our network.

We believe better discovery tools will boost the entire live ecosystem and will unlock further content creation, as creators will be able to reach large and engaged audiences. There is a similar parallel here with iPhone apps. Once the app store came along and allowed for discovery, we saw explosive growth in apps because creators could finally rea... See more

Brands have access to highly predictive proprietary data signals for underwriting and pricing; and

In this context, the mission of local news and information takes on an entirely new dimension. Instead of holding it responsible for all civic failures, the local news site becomes a portal to projects.

UniSwap is a decentralized finance protocol to exchange Cryptocurrencies on Ethereum. SushiSwap cloned the protocol and attempted to migrate the community. In response, UniSwap issued and airdropped its own token

The extraordinary success of a few internet companies has masked the embarrassing lack of major breakthroughs in other domains. There has been little improvement in the treatment of Alzheimer’s disease and other dementias, which affect nearly a third of all Americans over the age of eighty-five. There is still no cure for cancer. Life expectancy is... See more