Jesús Moradillo

Neo Finance: The Convergence of Three Big Trends

AI agents will make 1 million times more payments than humans, and they will use crypto.

We approved this in Europe 4 years ago.

Enhorabuena a @JeMoSe y @federicoisuani, que dan un paso al frente para liderar nuestra estrategia de IA en Europa y Américas. Buscamos impacto real, no solo eficiencia. Porque la tecnología solo tiene sentido si genera valor y resultados para nuestros clientes. ¡A por ello!

@mattunchi linkedin.com/pulse/el-diner…

Los agentes de AI ya pueden pagarse entre sí. Sin firmar nada. Sin gas. Por $0.000001 por transacción. Circle lanzó USDC Nanopayments ayer en testnet. El movimiento más importante de la semana y casi nadie lo está hablando.

@mcaballero Muchas gracias Miguel por todo lo que hacéis! Os sigo de cerca y no es fácil ahora, pero fue más difícil cuando disteis el pivot para sentar las bases de lo que sois ahora!

Que bien lo estáis haciendo @eduardomanchon 👏🏻

📰 #FICHAJES I Jesús Moradillo (@JeMoSe) asume la Dirección General de Estrategia de IA de @LLYC_Global en Europa ow.ly/1jJO50YmU5v “La inteligencia artificial no es solo un nuevo canal dentro del mix de marketing”

we're making @blocks smaller today. here's my note to the company. #### today we're making one of the hardest decisions in the history of our company: we're reducing our organization by nearly half, from over 10,000 people to just under 6,000. that means over 4,000 of you are being asked to leave or entering into consultation. i'll be straight about what's happening, why, and what it means for everyone. first off, if you're one of the people affected, you'll receive your salary for 20 weeks + 1 week per year of tenure, equity vested through the end of may, 6 months of health care, your corporate devices, and $5,000 to put toward whatever you need to help you in this transition (if you’re outside the U.S. you’ll receive similar support but exact details are going to vary based on local requirements). i want you to know that before anything else. everyone will be notified today, whether you're being asked to leave, entering consultation, or asked to stay. we're not making this decision because we're in trouble. our business is strong. gross profit continues to grow, we continue to serve more and more customers, and profitability is improving. but something has changed. we're already seeing that the intelligence tools we’re creating and using, paired with smaller and flatter teams, are enabling a new way of working which fundamentally changes what it means to build and run a company. and that's accelerating rapidly. i had two options: cut gradually over months or years as this shift plays out, or be honest about where we are and act on it now. i chose the latter. repeated rounds of cuts are destructive to morale, to focus, and to the trust that customers and shareholders place in our ability to lead. i'd rather take a hard, clear action now and build from a position we believe in than manage a slow reduction of people toward the same outcome. a smaller company also gives us the space to grow our business the right way, on our own terms, instead of constantly reacting to market pressures. a decision at this scale carries risk. but so does standing still. we've done a full review to determine the roles and people we require to reliably grow the business from here, and we've pressure-tested those decisions from multiple angles. i accept that we may have gotten some of them wrong, and we've built in flexibility to account for that, and do the right thing for our customers. we're not going to just disappear people from slack and email and pretend they were never here. communication channels will stay open through thursday evening (pacific) so everyone can say goodbye properly, and share whatever you wish. i'll also be hosting a live video session to thank everyone at 3:35pm pacific. i know doing it this way might feel awkward. i'd rather it feel awkward and human than efficient and cold. to those of you leaving…i’m grateful for you, and i’m sorry to put you through this. you built what this company is today. that's a fact that i'll honor forever. this decision is not a reflection of what you contributed. you will be a great contributor to any organization going forward. to those staying…i made this decision, and i'll own it. what i'm asking of you is to build with me. we're going to build this company with intelligence at the core of everything we do. how we work, how we create, how we serve our customers. our customers will feel this shift too, and we're going to help them navigate it: towards a future where they can build their own features directly, composed of our capabilities and served through our interfaces. that's what i'm focused on now. expect a note from me tomorrow. jack

We’ve strengthened our #AI Strategy leadership: @federicoisuani now leads the Americas and @JeMoSe leads Europe 🔗 slink.com/llyc:aiglobalr… A consolidated, data-driven offering to help U.S. leaders make bold decisions, powered by 100+ Deep Learning & Innovation specialists.

Gracias al equipo por la confianza. Y, sobre todo, por la ambición!! Estamos entrando en una fase distinta. Ahora la IA no es un área, ni un experimento, ni una capa de eficiencia… Es infraestructura y criterio para construir ventaja competitiva. El reto es rediseñar cómo las organizaciones construyen visibilidad, reputación e influencia en un entorno donde los algoritmos median decisiones. Y, sobre todo, rediseñar procesos, estructuras y modelos de inversión para superar la barrera táctica y capturar el retorno real. Desde Europa vamos a trabajar en tres frentes muy claros: – Cómo las marcas compiten en entornos dominados por modelos de lenguaje. – Cómo se redistribuye la inversión cuando la recomendación ya no es solo humana. – Cómo convertir la IA en impacto real de negocio, no en narrativa. Tecnología al servicio de la estrategia! Seguimos 🚀

to keep up with AI, you need to be unemployed

In Time 2, the sequel.

Meta acaba de confirmar que integra stablecoins en WhatsApp, Instagram y Facebook para la segunda mitad de 2026 3 mil millones de usuarios Esto no es Libra 2.0. Aprendieron la lección: → No van a crear su propio token → Van con Stripe (que ya compró Bridge, la infra de stablecoins más grande) → Patrick Collison ya está en el board de Meta → Wallet nueva dentro de las 3 apps ¿Por qué importa? Imagina mandar dinero por WhatsApp como mandas un mensaje. Sin bancos, sin comisiones de 3%, sin esperar 3 días Esto pone a Meta en guerra directa con la X de Musk, que también quiere ser super app con cripto La diferencia: Meta tiene 3,000,000,000 de usuarios. X tiene 600M Y para cripto esto es el momento que llevamos esperando: Adopción masiva REAL. No de traders. No de degens. De gente normal mandando dinero por WhatsApp Libra fracasó en 2019 porque no había marco legal. Ahora el GENIUS Act ya es ley El timing cambió. El regulador cambió. Y Meta no comete el mismo error dos veces

@naval AI anxiety is a survival instinct. Ignore it, and you’re just a dinosaur watching a bright light in the sky.

Everyone will soon have “AI Anxiety.”

La tokenización va a llegarrrrr

One-person billion agency? Es posible…

@ahidalgoa Gracias por el análisis! Muy útil!