Kevin

@CedarStResearch @attytrader @mcagney The market place aspect does exist within the app, but tinman is more integrated as apposed to just a listing. Right now in credit karma if you click 'loans' and click the 'home' icon you immediately enter the tinman UI. It is very differentiated from other lender listings

@mcagney Who currently powers Credit Karma Home Loans HELOCs: Better or Figure? The CK app says Figure is the lender, but there are also Better + Credit Karma HELOC landing pages. Can you clarify the relationship? $FIGR

@attytrader @vishal_better @vishal_better would love some clarity here. It looks like figure is part of the Better infrastructure on the CK app

@vishal_better Who currently powers Credit Karma Home Loans HELOCs: Better or Figure? The CK app says Figure is the lender, but there are also Better + Credit Karma HELOC landing pages. Can you clarify the relationship? $BETR

@jakebrowatzke @vishal_better Hey Jake! I'm curious if Vishal has given any time line on an interview with you?

I invested in $BETR because I think the business 10x's its market share regardless of rates because of its technological advantage and partnership momentum. As long as @vishal_better is correct in saying that higher mortgage rates push more potential partners to look for cost savings and onboard to Tinman, the bigger the upside in the long term becomes the longer the short term stays challenging. One thing I have grown a lot more confident in, in my first few months as a better investor: the top engineers, entrepreneurs, and AI researchers in the world are not going to be interested in starting mortgage companies. These sorts of people are attracted to new fast-growing industries, not old slow-growing industries that are overly impacted by macro government policy. This means that as long as Better wins, they can really win and truly become a winner-take-most sort of company. I'm happy to own a substantial amount of $Wix and $Path and other great software startups as well so that if Better shareholders do decide to throw a fit over uncontrollable macro factors, I'm in a strong position to actually increase my ownership.

@CedarStResearch @Ironic_Ape @jakebrowatzke @vishal_better Thank you Macro definitely sucks! BUT if there is any truth to what @vishal_better said last q about bad macro driving tinman demand it may coil the spring for a stronger recovery. How are you modeling partnership scaling with the lack of timeline transparency?

Hey @CedarStResearch Would love to hear your thoughts on $BETR as much as you’re willing to share! The tinman platform partnerships seem strong, but curious about scaling these partnerships and how you think about product differentiation? I have spent time learning about their data moat, but I lack the industry knowledge to truly understand where the edge exists. Would love to hear your perspective and how you think about this name through the cycle Anything helps!

@Kelvman77 @jakebrowatzke @vishal_better The person you want to talk with is @CedarStResearch

@vishal_better Thank you!

Thanks for putting this together. Let me and the team put together answers for you. I am super heads down next few days but will aim to have something to you by end of next week. Does that timeline work for you ?

@longrangeplans @FelixKern2 @vishal_better Shareholder here three! @vishal_better

@FelixKern2 @vishal_better Shareholder here too, plus 1, please

Hey @vishal_better, on behalf of Better’s retail shareholder community, we’re sharing a constructive letter with questions on Tinman AI ARR, SBC, financing, partnerships, guidance, and long-term strategy. We ask because we care deeply about the business and the stock. $BETR

@jakebrowatzke @vishal_better $BETR feels like a coiling spring If Better survives this downcycle without nuking shareholders, the operating leverage on the other side will be violent. @vishal_better please don’t dilute us to smithereens in the meantime Long and accumulating

@PaperBagInvest @HenryInvests ❤️🍋

With the $LMND 🍋 community being shut down on X, I want to give a shout out to some great accounts that helped contribute to it. In no particular order, and I'm sure I'm FORGETTING many good ones, so I apologize in advance. If I missed you please comment below! #LMNDcommunity #Lemonapes @ArranGray9 @Neil_X10 @ShadyJosh5 @nerdalert @DomienVdE @bjmtweets @Leinad7331 @bj23air @Stickstrom @tune_ventures @heyshalin @takshed @daardos @javierluraschi @ValerijDaniloff @alejandrobatiz @Kelvman77 @Gfilche @farzyness @NinoBach @Jay_nomoney @jciccale @AnneAngeloBooks @energy_tech_inv @EmmetPeppers @bradsferguson @alexgee352 @GucciRads @HenryInvests @DamirDzolic @MadsLRosendal @nateobrienn @AuditTheHerd @CyberCatX @jakebrowatzke @FonsDK @outlierrcapital @zacharygilula @SpecDrink1732 @Erifra2 @OsamaJa62282496 @sobieski902 @SteveWagsInvest @SalsaInvest @psterky @sanderdaehlie @Eyal__Weiss @PrestonJVictory

@ArranGray9 @jakebrowatzke @HenryInvests I'm running through these tweets while wrapping up at work. Apologies if I'm typing like a monkey

Agreed on the bottom portion of the K economy that is highly price sensative brand loyalty is not existent! But I would argue the top of the K is brand loyal. Even if that loyalty is solely built on familiarity. (You've also got weirdos like us that are emotionally attached to an insurance company :) ) Once the user/household operates agentically (if that is a word) and switch friction gets driven near zero things change. I hadn't had the near monopolisation thought yet and I think that's great perspective. Not to mention one where $LMND no doubt has a right to win meaningful share. Either way I think it is highly likely $LMND wins meaningful share as we navigate the future. Even if the industry requires transformation, no one is as agile as $LMND One fear I have is decentralization of risk pooling. AI will likely enable the decentralization any service that somehow offers Peer to Peer networks. DAOs make take insurance over, but who knows how far out that is. Very very long $LMND just enjoy thinking critically

In my opinion, this is true for $UPST $LMND $OSCR $TEM $TSLA etc - these advantages will only widen & accelerate over time. This is the application layer. What's interesting is that Agentic AI caused a sell-off in the application layer b/c investors believed people could vibe code basically anything and therefore software / unique tech was practically worthless. There are several reasons this is wrong - the most obvious of which are the proprietary data sets Ellison mentions. And no, just because legacy incumbents have lots of data doesn't mean they can catch up. 1) Data is not valued unless trained w/ relationships examined over long periods of time measured against outcomes and 2) As Ellison said, public internet data has no alpha and will be commoditized. Agentic AI will accelerate the operational efficiencies of companies with true proprietary datasets. And it will enable even greater dynamic understanding of the underlying data and relationship mapping. The future will be dominated by AI-native application layer companies with proprietary data sets. These companies will have such an advantage on both underlying efficiency and data that I predict many will slowly grow into behemoth monopolies. Legacy incumbents will crumble and their downfall will be fast and unforeseen to most - but not to me.

The agentic world is the outcome where $BETR gets a lot more interesting than $LMND long to term. Once every consumer is powered by an agent. Price and quality of product is all that matters and brand loyalty will completely die in many industries. This will make insurance compete margins away as consumer agents shop for the best price/coverage policies 24/7/365. Consumer insurance could become a tough place to invest as AI evolves insurance from risk pooling to risk prevention. In this same casescenario $BETR is the clear leader in creating the lowest cost product that serves a wide funnel through their tinman whitelabel product. A low cost option with all the railing required to serve agents will quickly become the largest mortgage and HELOC provider in the industry. As more internet traffic is driven by agents your landing page no longer matters, your marketing will not matter. Agents do not have brand loyalty. Agents will scour the web for the highest quality product at the lowest cost and NOTHING ELSE WILL MATTER. Hoping $LMND and $BETR both win in this world

@HenryInvests $BETR and $ZETA as well

@JamesPetch4 @jakebrowatzke @vishal_better 100%. Still long tho. Just patience

@Kelvman77 @jakebrowatzke @vishal_better Very much agreed. They had hype, now its a "prove it" story.

The efficient market 😂

@PaperBagInvest It's hard not to get mild ai psychosis after spending serious time with ClaudeCode or CodeX. The only thing holding us back from an agentic future is now adoption. The world is going to change so much over the next few years. It is amazing

Every time I play with AI to solve an actual problem, I am blown away. In a short amount of time, with no formal coding background, I created several software pieces to automate repetitive parts of our small business administration, saving days out of each year.

@JamesPetch4 @jakebrowatzke @vishal_better 100%. Still long tho. Just patience

@brentwisener @jakebrowatzke @betrmortgage @vishal_better @Mabiverse123 Would love to be included!

@jakebrowatzke @betrmortgage @vishal_better @Mabiverse123 and a few of us have an ongoing BETR / mortgage chat going. Ping one of us if you want to join

There's a high probability I'll be able to interview the founder and CEO of @betrmortgage, @vishal_better in the coming weeks! What questions would the $BETR investor community like asked? Please share in the comments. I will of course ask about the Q1 stock-based compensation that raised eyebrows, and why Vishal and other insiders keep personally buying $BETR shares even as rates rise.

@jakebrowatzke @derekrogden @brentwisener @Mabiverse123 Would love to be included in $BETR chat as well!

@derekrogden @brentwisener @Mabiverse123 Please add me as well if we're making a $BETR chat

This is a great video to watch if you want to learn about Better's AI technology in an actual hands-on demo $BETR Starts around 28-minutes: youtu.be/kkcr1K90HFE?si…

@SRxTrades $BKR mix shift story through its turbine distribution segment is about to get interesting

I added 2 new positions today: $AMSC $BKR Both of these didn't necessarily have an A+ entry or setup This type of entry is called a front run.. Sometimes a stock will show signs that it wants to move higher, but it doesn't give an A+ setup to get in. If you start noticing these signs you can anticipate a breakout might be coming: -Volatility contracting -Higher low forming into moving average -Inside day -Volume fade Remember you don't always NEED the starts to align to take a position