regulatorynerd's profile picture. Legal nerd at Trustly! Former Stripe, SQ, BlueVine, Lithic, Cap One. Views are mine, and not my company's.

Matt Janiga 💥♻️

@regulatorynerd

Legal nerd at Trustly! Former Stripe, SQ, BlueVine, Lithic, Cap One. Views are mine, and not my company's.

Pinned

Thanks to Reggie and the Lithic folks for having me back. If you’re tracking open banking issues, we hope you give it a listen.

🚨New podcast alert!🚨 Matt Janiga (@regulatorynerd) from @Trustly returned to the podcast to break down the CFPB’s open banking proposal The episode covers: 📖What the proposal says 👏What it gets right and wrong 🏰Effects on incumbents and new entrants 🤓Much, much more



Matt Janiga 💥♻️ reposted
MorningBrew's tweet image.

For perspective: • Global Debt $338 trillion • Global GDP $112 trillion Listen, typos happen

MorningBrew's tweet image. For perspective:

• Global Debt    $338 trillion
• Global GDP     $112 trillion

Listen, typos happen


Proud to be able to tell folks where I was when Brian hit 100 processed receipts.

regulatorynerd's tweet image. Proud to be able to tell folks where I was when Brian hit 100 processed receipts.
regulatorynerd's tweet image. Proud to be able to tell folks where I was when Brian hit 100 processed receipts.

73,000 live viewers is crazy



Loving this Ramp live challenge to see who can process more expenses, Brian or Ramp’s software. We would have been there in person but are stuck safeguarding the 2025 World Champion pumpkin.

regulatorynerd's tweet image. Loving this Ramp live challenge to see who can process more expenses, Brian or Ramp’s software.  We would have been there in person but are stuck safeguarding the 2025 World Champion pumpkin.

Brian's First Day As CFO - Live From NYC x.com/i/broadcasts/1…



Hopefully the JPMC employees making these investments are different from the ones that invested in Charlie Javice's fraudulent startup Frank. But in case they're not, congrats to the Forbes 30 u 30 folks for finding a new bag to grift.

Wow. JPMorgan is launching a $1.5 Trillion initiative to boost critical industries in America: “It has become painfully clear that the United States has allowed itself to become too reliant on unreliable sources of critical minerals, products and manufacturing.” -Jamie Dimon 🇺🇸

Geiger_Capital's tweet image. Wow.

JPMorgan is launching a $1.5 Trillion initiative to boost critical industries in America:

“It has become painfully clear that the United States has allowed itself to become too reliant on unreliable sources of critical minerals, products and manufacturing.” -Jamie Dimon 🇺🇸
Geiger_Capital's tweet image. Wow.

JPMorgan is launching a $1.5 Trillion initiative to boost critical industries in America:

“It has become painfully clear that the United States has allowed itself to become too reliant on unreliable sources of critical minerals, products and manufacturing.” -Jamie Dimon 🇺🇸


Sad to hear about Diane Keaton passing away. She was still so young — she could have been a member of Congress for another 10 years at this age.

Diane Keaton has sadly passed away at the age of 79.

DiscussingFilm's tweet image. Diane Keaton has sadly passed away at the age of 79.


This type of decentralization of finance would take a wrecking ball to existing consumer protections and state licensing regimes. It also makes me wonder what happens when the S&L crisis of bad loans repeats, but main street crypto folks are left as the only bag holder.

Just as there will be an "Earn" tab in every fintech platform (via Aave & others on the backend), there will also be modules that enable instantly extending lines of credit (via defi) to any business or person, in any region, circumventing banks entirely



Thought someone messaged me about buying $25,000 worth of Anthropic on the secondary market, but I misread the message so now I have 217 cases of this.

regulatorynerd's tweet image. Thought someone messaged me about buying $25,000 worth of Anthropic on the secondary market, but I misread the message so now I have 217 cases of this.

Great panel today from @fintechassoc on why the CFPB and Trump administration should protect open banking from falling prey to large bank games and fees. ICYMI, keep an eye out for their recording. Fantastic insights from @arampell @ciaomack @garrytan and more.

regulatorynerd's tweet image. Great panel today from @fintechassoc on why the CFPB and Trump administration should protect open banking from falling prey to large bank games and fees.

ICYMI, keep an eye out for their recording.  Fantastic insights from @arampell @ciaomack @garrytan and more.

Have you noticed how so-called one-click checkout products really take three or four clicks to activate for returning users?


Merchants and issuers aren’t ready for how AI is going to change e-commerce. Awesome to see builders like @alexmdees help merchants get ready for the future.

Introducing Meridian. 50% of searches are now powered by AI (Think ChatGPT and Gemini) Meridian is the FIRST Visibility Engine to get you ranked #1 by AI. Bold claim? Here's how 👇



We’re cruising into a future where this person is California’s next governor. They will make decisions that impact AI, housing, the auto industry, Hollywood and more.

The knock on Porter has always been that she’s cruel to staff and others around her. The defense was that that charge is sexist and she’s just tough. Watch to the end and you judge who’s right.



Me yelling “but non-competes aren’t enforceable in California” at the TV when an LA-based character gets hit with one over his new brewery.

regulatorynerd's tweet image. Me yelling “but non-competes aren’t enforceable in California” at the TV when an LA-based character gets hit with one over his new brewery.

Matt Janiga 💥♻️ reposted

Me today with strong CMO at $40m ARR company: "I built you a new marketing site in @Replit. I just had 20 minutes during a board meeting, what do you think." CMO: "Woah. That's a lot better than we have today. How did you do it?" Me: "I vibe'd it in @Replit. First I…


Am I the only one who's creeped out by SOLO and their founder? They're very splashy and headline grabbing for a company without an established operator or clear PMF, and my spidey sense is ringing. The Fast of open banking?

regulatorynerd's tweet image. Am I the only one who's creeped out by SOLO and their founder?  They're very splashy and headline grabbing for a company without an established operator or clear PMF, and my spidey sense is ringing.

The Fast of open banking?

Matt Janiga 💥♻️ reposted

If you’re writing an announcement for an AI product, try removing all instances of “AI”and see if the pitch still holds up Built with AI isn’t a differentiator, so figure out what is


Card issuers and merchants aren’t spending enough time thinking about how consumer shopping habits are going to change over the next five years. Kudos to OpenAI, Stripe, Shopify and Etsy for their work here.

ChatGPT already helps millions of people find what to buy. Now it can help them buy it too. We’re introducing Instant Checkout in ChatGPT with @Etsy and @Shopify, and open-sourcing the Agentic Commerce Protocol that powers it, built with @Stripe, so more merchants and developers…



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