Aggregation, acquisitions, and partnerships will happen at the product layer as much or more than in web2, even given an interoperable and composable landscape. People will want fewer rather than more Prime-like memberships, so established organizations with already successful products will have an edge on building or partnering with complementary ... See more

The future will see the centralised world and the decentralised world working in tandem. DeFi (Decentralised Finance) has already shaken up the banking and financial industry and is currently worth US$100B. Crypto brings a tremendous amount of opportunity to harness technology and drive greater efficiencies in the customer management process by ele... See more

Just as the internet and web browser unlocked the previous shift, the new ease of embedding payments, lending, and other financial products will allow industry-specific software platforms (Vertical SaaS) to destroy multi-market/horizontal solutions like Salesforce. Ever smaller niches will be able to sustain venture-scale software companies because... See more

I have thought a lot about lending to creators through Substack-like platforms. Why do creators need financing? From a commercial perspective, financing could help creators fund the time required to build a subscription base large enough to replace their income (think pre-seed capital).