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Carlos Rodríguez

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@Juminstock

Developer Relations at @StartaleApp & @Soneium | Product Operations at @StartaleGroup 🍡
Somewhere in the world juminstock.com Joined May 2022
482 Following 1.3K Followers 5.7K Posts

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Carlos Rodríguez Verified account @Juminstock
Introducing Juminstock’s personal blog! 📙

One of the things I enjoy most is explaining, teaching, and sharing what I learn. This personal blog was born out of a desire to share my learnings and experiences along my product journey.

I’ll also be sharing insights about @soneium, @StartaleApp, and consumer products.

My first blog post is coming this week, and I hope you enjoy it!

I’d love to hear what you think of the blog. Let me know your thoughts! ⚡️

→ juminstock.com
Carlos Rodríguez Verified account @Juminstock
This makes a lot of sense, and this is where you really start to see the value of an agent
eric Verified account @defyneric Oct 5
my prediction:

personal ai agents won’t monetize through monthly subscription fees.

they’ll monetize by owning the fintech stack and earning revenue every time their users spend money.

Instinct already measures internal performance based on monthly payment volume.

to monetize this they can:

> issue their own Visa credit card
> earn 2-3% interchange on every transaction
> negotiate bulk discounts directly with merchants
> take a percentage of the savings they generate
> earn yield on balances sitting inside the ecosystem

instead of charging you $20/month to use your personal agent, the agent becomes the interface through which you spend thousands of dollars every month.

if your agent books your flights, hotels, restaurants, and everyday purchases, owning the payment layer underneath becomes far more valuable than a $20/month subscription.

the biggest personal ai companies will end up looking less like software companies and more like fintechs.

personal ai agents + fintech will eventually blend into an entirely new category:

agentic finance.
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