Andy Qin
@andylouisqin
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Founder at Humanlike (YC S23). Previously the 7th hire @moderntreasury and 700th-ish @stripe
NY
Joined January 2014
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gm! I'm now working full-time on crypto
@ModernTreasury
. We currently serve incredible crypto customers like
@BlockFi
,
@ftx_us_derivs
, and
@bitFlyer
. But we want to go further.
If you're moving/holding crypto as part of your business, I'd very much like to chat. (DMs open)
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Some personal news: I started a company with
@vashmadhavan
and we’re in the
@ycombinator
S23 batch!
We’re building voice AI agents that actually sound like a human, hence our name Humanlike ().
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Today marks 3️⃣ years
@stripe
. Feeling grateful for the A++ people I get to work with every day.
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Just wrapped up week 1
@ModernTreasury
✅
Honestly, I was anxious about starting remotely. But the team's been 💯 in making me feel welcome despite the circumstances. Feeling very lucky to be a part of it.
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I don’t always reconcile payments, but when I do… I prefer
@ModernTreasury
Stay thirsty my friends
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I'm 30 today -- couldn't be happier with the people I've got around me and the work I'm called to do.
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At Dublin airport going through customs:
Agent: “Where do you work?”
Me:
@stripe
“Who started that company”
“Pair of Irish brothers, actually”
“And where are they from?”
“Limerick?”
“Correct”
Would I have been allowed in if I’d gotten that wrong? 🤔
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“In the UK, if a gingerbread man has just two chocolate eyes, it is legally a biscuit (tax exempt). However, if that gingerbread man is also wearing chocolate pants or a shirt, it is now legally taxed at a standard rate of 20%.”
This is sending me
We’ve written up more about how we built Stripe Tax—including the nuances of gingerbread men taxation. 🍪
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It's been one wacky, wonderful year with the team
@ModernTreasury
. On to bigger, better, faster things!
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Using
@JuliusAI_
is like having a cofounder I can interrupt at any time for a take on even the smallest things
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Credit goes to the entire team for designing, building, and packaging this one. Or is it a debit? Accounting is tricky.
We’re thrilled to announce the launch of Ledgers in Modern Treasury, our new product that makes it easy for businesses to record financial transactions.
@andylouisqin
helped build it, and shares the details:
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It feels weird to share good news, but
@ModernTreasury
's growth has been incredible -- I feel very lucky. If you're considering a career change to a startup, my recommendation is
@ModernTreasury
. DMs are open if you want to chat through any of these roles:
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Such a privilege to be working with this team. It's still very early days and we're recruiting for all functions, so if you're looking (or know someone great) -> DMs
1/ We're happy to share that we raised an $85M Series C that values the company at over $2B. We'll use the capital to work more closely with our partner banks, expand and deepen our product, and add to our wonderful team.
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So, I started a podcast. After years of avid listenership I figured it was time to try my hand at it. Follow
@businesslogicfm
for updates!
ICYMI: In episode 1, Andy sat down with
@csallen
of
@IndieHackers
to discuss how, when, and why you should start an independent software business.
Tune in here! 👇
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One of the best things I did in 2019 was to start
@businesslogicfm
. Wrote a little recap of my favorite insights from the episodes this past year:
Thanks
@csallen
@alinelernerLLC
@jeff_weinstein
@chetanp
@oznova_
for being a part of this 🤗
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Wrote about how we designed an API to be concurrency-safe -- feedback welcome!
In June, we introduced Ledgers to help businesses record transactions. To build it for scale, our engineering team had to design it with concurrency controls.
@andylouisqin
shares the details in our latest Behind the Scenes journal:
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Really impressed with the pace of bank partnership now that
@jenny_colgate
+
@nickfarrow76
are on our side of the table ⚡️
We’re excited to announce our first formal partnership with
@SVB_Financial
.
@dadiomov
shares the details:
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For me it’s a testament to how a small group of people (we’re 15 FTE today) can be surprisingly prolific. Still plenty more to announce before year's end!
In August, we passed an exciting milestone: our first $100M month! And over 5% of that was Real-Time Payments.
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Working with obsessives is one of life’s joys
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Really stoked for this. It's magical to me that 2-person startups can fill out a form and in a few minutes use the same money movement infra as X,000-person public companies.
You don't even need a corporate bank account to get started!
Today we are delighted to share that Modern Treasury is now self-serve.
Connect to any corporate bank account or start immediately with a new account at an Instant Bank.
Check it out today:
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Interact is such a cheat code for meeting inspiring people! Would very much encourage applying if you’re <24 y/o
Applications are now open for the 2022 Interact Fellowship!
Learn more and apply here by February 15th: .
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A few of us
@ModernTreasury
will be at
@consensus2022
! We move fiat for some of the biggest exchanges in the world. Who else is going?
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RE Evolve Bank breach: I'd recommend freezing your credit accounts if you use
@BiltRewards
(or any other service on evolve) to prevent accounts opened in your name
1. Equifax:
2. TransUnion:
3. Experian:
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2 weeks into
@ModernTreasury
and I've learned that bank APIs are like a box of chocolates. You never know what you're gonna get...
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Make that ✌️ as of today. Time flies!
It's been one wacky, wonderful year with the team
@ModernTreasury
. On to bigger, better, faster things!
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Phew! We're finally past the terrible twos
Update: a year later, and
@ModernTreasury
turns three, and sure enough, we no longer all fit in one tweet! Happy birthday and thank you to all our customers, investors, bank partners, and fans for all your support. What a journey! What is past is prologue.
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Adjusting for inflation, Amazon's 1994 seed round is $2.1m today. And he gave away 20-something percent. Allegedly some who passed on him say it's too painful to even joke about
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Just committed to running
@BerkeleyHalf
(my first half!) in 7 weeks - training tips and plans welcomed 🏃
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Shipped my first thing 🙌 One bank closer to completing the
@ModernTreasury
collection..
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I love calendaring it’s like programming my future self to do things
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Maybe the real WDC was the…
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Huge W. Noncompetes were a tragedy of the commons for our best resource
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I guess you're not supposed to have favorite customers, so all I'll say is that
@classpass
has been exceptional to work with in their using Ledgers as the payouts source-of-truth
1/ When we launched Ledgers earlier this year, we set out to make it easy for companies to manage account balances within their apps. Super excited to share more detail about how
@ClassPass
has adopted
@ModernTreasury
this year.
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But innocent people are being murdered by the state. Today. That is not due process. If you can, please consider joining me in contributing to one or more of these causes:
-
-
-
Thank you ✊
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Ledgers and virtual accounts were the first big features I worked on at MT. They are near and dear to my ❤️
Our latest how-to guide focuses on escrow: how to build payment ops for a house sale and use virtual accounts to keep inbound and outbound wires reconciled.
@andylouisqin
explains:
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Learning new terms for this S-1 season from
@publiccomps
:
ARR = Annual Recurring Revenue
ARRR = Annualized Run Rate Revenue
ARRRRRRR = Pirate 🏴☠️
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Had fun ✅ learned a lot ✅ thanks for taking the time,
@juliannaelamb
.
@juliannaelamb
, cofounder & CTO of
@stytchauth
, is our latest guest. She shares her expertise on:
- Passwordless authentication methods
- Founding a company during a pandemic
- Thoughts on people development and org design
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Had you told me 10 years ago that I’d still be on X, I’d have said what the hell is X
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My baby sister just got into a bunch of great colleges and I couldn’t be prouder.
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2020 is the year I stop scrolling through twitter/fb/hn and start perusing amazon/berkshire/constellation shareholder letters instead let’s go
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A few updates on what's been going on with me over the past year; enjoy!
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Some corp banks let you have many account numbers (i.e. virtual accounts) for a single account. Neobanks like
@RevolutApp
give one to each of their millions of users to create their bank account abstraction 🤯
1/ We are excited to announce the launch of Virtual Accounts, Modern Treasury’s newest product to automate payment attribution for inbound fund flows.
@anirudhnarayan
shares the details in our latest changelog:
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Back home now from this year’s
@joininteract
and I’m full of nostalgia. What a wonderful weekend.
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First week
@stripe
is in the books! Favorite part was meeting stripes of many stripes
:slow-clap:
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Bacs Payment Schemes Ltd operates a bank debit and credit scheme in the UK. About 90% of the workforce gets their salary via its rails. They processed 6.3 billion UK payments (~£5 trillion) in 2017.
Number of employees? 47.
How?
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Love seeing Koji in action. Too bad he's not on Twitter (AFAIK)
I've spent more time talking about ledgers in my lifetime than any human should. Love to see
@ModernTreasury
simplify standing up a cross application/infra/program ledger anyone can use !
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My take on charity used to be inspired by
@BillGates
. Little point in donating now, just spend a few decades getting wealthy and then give it away thoughtfully with the remaining decades. A foundation in the future is higher leverage than a few hundred bucks now, right?
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*Kobe closes final game with 60*
*start sobbing*
*use tissue then aim for nearby trash can*
"KOBE!"
*start sobbing again*
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Me (5 minutes ago, wondering if Siri's gotten any better):
"Play my current podcast."
Siri:
"FaceTiming $(someone I haven't spoken to in years)."
Me:
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Hot off the press 🔥 new
@businesslogicfm
episode with
@chetanp
available now on a podcast app near you
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The amazing
@vicki_lim912
wrote a candid meditation on finding a path right after graduating college. Highly recommend for any new grad to read!
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My favorite piece of KB lore is that he studied the handbooks issued to NBA refs to identify their blind spots. He used that to get and get away with fouls. Possibly apocryphal, but I doubt it.
This headline still doesn’t feel real. RIP Kobe, Gianna, and the other victims.
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A month late, but I'm proud of the work we did
@ModernTreasury
to help our marketplace users. Shipping a new abstraction in LedgerAccountPayouts was only possible with their usage. We ❤️ you
@classpass
+
@Outdoorsy
+ others
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Brings a whole new meaning to eating your margins
In Argentina, coin shortages are common. I’d often get change in the form of candy, which I would use to pay the same kiosk the next day.
Arcor (Argentina’s main candy producer) now makes candy with the tag line: “Ideal for change”
We monetized candy!
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Really inspiring to see this team learn and iterate so quickly for their users! Way to go
@jonbma
@anthonyyim
and team 🎉
Introducing Artemis Terminal! 📊
A No-Code Interface for Crypto Analysts 🔎
Get Bloomberg-like charting abilities at your fingertips 👩💻
🧵
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when the DB claims to be consistent, available, and partition tolerant, you say “that’s CAP”
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Some PCI auditors at my old job may or may not have gone through the trash to look for evidence of noncompliance. Are ACH network standards as intense? Find out here 👇
One question we often get asked is: "Are you PCI Compliant?"
It's a trick question, because PCI only applies to credit card data.
But your bank payment data should still be secured. Here's our take on best practices, by
@andylouisqin
:
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Experimented with the format on this one and pretty pleased with the results. Hope you like it too!
The one and only
@jeff_weinstein
joins us in episode 3, now live on all major podcast apps! We talk about "rational" career choices as well as where to go eat in Baltimore.
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Step 1: Go on morning walk
Step 2: Play “Violent Crimes” by
@kanyewest
Step 3: Observe a daddy-daughter moment at the local playground
Steps 4, 5, 6:
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!!!
(thanks
@ccb621
for intro'ing me to
@JarenGlover
🙏)
New episode with
@JarenGlover
is out! Had a ton of fun discussing:
- what technical leadership looks like
- how to invest in a "personal brand"
- who should play Bond in the next 007
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Finally, I can cross of "finish college" from this to-do list. I feel like that one's been on here for years.
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PSA: who is Michael Ovitz? the audiobook is free with Spotify premium. h/t
@alanaagoyal
for the rec
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I remember this was how I learned South San Francisco is actually a different city than SF. You reap what you sow…
Less than 5 years ago, Salesforce (SF’s biggest employer) led the charge to pass Prop C which disproportionately affected financial services businesses. Today, Stripe, Block and Schwab have all left SF and Salesforce continues to dump office space.
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Before a sales call for
@tryPhoton
, I often get nervous. My comfort zone is to build products, not sell them. But then I remember the cause.
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Lastly, if you’re going through a rough patch or maybe just not as inspired this time by the passing of a new year, I feel you. What helped me was to accept that nobody’s coming to save me. It might get worse before it gets better, but it always gets better.
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So stoked to hear
@samaarons
opine on ISO 20022. Yay for standards!
On Nov. 4th, Co-Founder and CTO
@Samaarons
will be speaking at
@BigTransaction
"I'm very excited to be speaking at The Big Transaction about ISO 20022, it's a subject many engineers in fintech never get to fully explore"
Get tickets today:
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Felt way more hopeful reading this than aggregate infection/death stats. Bill Gates explains:
- RNA vaccines
- New testing methods
- Logistics of reopening society
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My sense of what people mean a crypto "onramp" or "offramp" is:
1. KYC/KYB to ensure the party's a good actor
2. A fiat transfer
3. A crypto transfer
What's this definition missing?
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Took
@jeffseibert
's postgrad advice and took a vacation before going all in on a company. Overdue thanks for an amazing
#ETL
talk!
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Stoked to be attending
@JoinPowerhouse
's
#NewDawn2016
, the ultimate summer
#solar
#startup
party on 8/26. Join me:
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Views before 1st
@headspace
: Why tf would you willingly waste time?
Views during: Perception of time dramatically slowed...
Views after: 😌
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.
@0interestrates
@alexgraveley
and
@anusharma
brought the homebrew computer club vibe to 2023. Keen to demo something in v2 or v3!
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A word I can't find in English: that mix of guilt and appreciation from knowing you benefitted from others' painstaking hard work
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