Knot - The Merchant Connectivity Platform

Excited to announce that @KnotAPIs is now collaborating with @PayPal. With Knot’s CardSwitcher™, PayPal users will soon be able to seamlessly add their PayPal branded cards as a payment method across their favorite merchants—making paying with PayPal easier. From day one, Knot has been building the merchant connectivity layer, removing friction from payments. Everyone wins. Consumers get access to fast, efficient checkouts and merchants can see higher conversion rates with fewer abandoned carts. Excited to team up with PayPal to bring even more innovation to digital payments. More Knot updates coming soon!

I’m excited to reveal our @TheShortlistNYC lineup for our March 23 Founders Showcase. – @SophiaKianni, Stanford alum and Forbes 30 Under 30 honoree, who co-founded Phia, an AI shopping platform with $40M+ raised, $180M+ valuation, and 1M+ users, after previously building Climate Cardinals into a 8,000+ volunteer global nonprofit backed by Google . org – Ashi Agrawal, Stanford alum, co-founder of @KobaltLabs, who raised $12M+ to build an AI-native compliance platform built for financial institutions, used by companies like Bilt – @kieransoreilly, Harvard alum and Thiel fellow, co-founder of @KnotAPIs, the first merchant connectivity platform offering card-on-file switching for hundreds of online merchant accounts. Raised $20M+ from Amex, Plaid, Mastercard, and the founders of Twitter, Harry's Warby Parker, Allbirds. Prev founded Millions & gifs .com. – @nicholasnlawton, founder of @sideshift_app, a creator marketplace and infrastructure platform connecting 800k+ creators with brands with over 30B+ views generated. – @ddcaridi, co-founder of Kibu, a content, compliance and EHR (Electronic Health Records) software platform built specifically for provider organizations serving people with intellectual and developmental disabilities. Over $5M in capital raised. – Sam Kececi, Amazon, Bridgewater & Salesforce alum. Founder of The Sentience Company. Sentience creates a digital version of you. Your Sentience remembers everything, becoming the best search engine for your life and the best platform to share your knowledge with others. Meet them in person on Mar 23 at @betaworks. Apply below.

@Not_Columbus 🙌

@KnotAPIs 😛😛😛

Whatever it is, my guess has been that it'll stem from managing subscriptions or other recurring expenses. Agents will be good at rule-following and pattern recognition before they're good at anything else. Infrastructure is/has been the hard part here (what @RoryOReilly & @KnotAPIs are working on)

@SawyerMerritt Needs @KnotAPIs - like the rest of the innovative fintechs already do!

Here's what the 𝕏 Money App (Beta) looks like. • All-black 𝕏 card • Direct deposit • Earn interest on your cash • Cashback on eligible card purchases. Rewards. • Deposits are held by Cross River Bank, Member FDIC and are insured by the FDIC up to $250k per individual

One of the best parts of building @KnotAPIs is the caliber of people we get to work with across the industry, including at @blocks. To anyone impacted: I’ve seen firsthand how sharp, driven, and customer-obsessed many of you are. That kind of talent doesn’t stay on the market long. If you’re interested in building the best API connectivity infrastructure and want to work with a team that’s scaling fast, my DMs are open. We’re hiring.

@camworboys @CashApp @Square Looks fantastic!

Early explores from a few months ago. Cool to see @CashApp and @Square feeling more like one system now.

I couldn't be more excited to unveil @KnotAPIs latest product: Subscription Manager. Knot's mission has always been to build the connectivity layer to merchants. We built CardSwitcher to make top-of-wallet effortless, then TransactionLink for SKU-level purchase data, then AccountUpdater to keep cards current automatically. Last month, we processed over 60 million API calls, and that number is growing fast. Subscription Manager is the next step. Honestly, the name undersells it. Yes, you can view subscriptions, plan tiers, prices, billing cycles, payment methods, etc., but the real unlock is upgrades, tier changes, and getting consumers into the right plan. Merchants win, too, because users end up in plans where they're actually engaged and derive value. This runs on the same Knot connectivity layer that the world's largest consumer finance apps already use. One Knot SDK, one integration, the full platform. Couldn't be prouder of the Knot team for bringing this to life - check out the link in the comments!

We’re excited to partner with @Fiserv to bring CardSwitcher™ to @Lyft Direct. Lyft drivers rely on their Lyft Direct card to access earnings instantly and manage everyday spending. Now, with @KnotAPIs CardSwitcher, drivers can seamlessly update their Lyft Direct card across their favorite merchants and subscriptions. That means fewer manual updates, fewer failed payments, and less disruption when cards are reissued or replaced. Together with Fiserv, we’re making card-on-file updates effortless at scale so Lyft drivers can stay focused on earning, saving, and driving with confidence.

As a @mrbeast fan this is very interesting! Love having @step as a @KnotAPIs customer. Congrats @giyom and the many other great folks at Step!

@eneakll 🍟

Wanted to understand how Americans eat during the Super Bowl, so I built it skuperbowl.knotapi.com

@KyleHWyman Everyone is shipping 😍

Me walking around the @KnotAPIs office after shipping my first Claude Skill that saves 20 mins a day

I was 9 years old. Standing on a street corner, handing out fliers for my parents' business. They sold everything: shoes, pots and pans, whatever they could move. And on weekends, @kieransoreilly and I helped. A car pulled up to the red light. I walked over with a flier. The driver looked at me, then rolled up their window. I just stood there. Rejected. Embarrassed. I walked back to my mom. She looked at me and said: "Go to the next car. Don't give up." So I did. That was one of my first sales lessons. I was 9. >20 years later, I've pitched hundreds of stakeholders. Closed deals with the biggest fintechs and banks in the world. Heard "no" (and yes!) more times than I can count. But I've never forgotten that window rolling up. Every founder I know has a version of this story. The first time someone said no. The first time they felt small. The ones who make it aren't the ones who avoid rejection. They're the ones who walk to the next car.

@sytaylor They're only missing one thing now 😌

WOW! 🚨 Nubank just got OCC conditional approval for a US bank charter. Huge for the US market — Monzo tried. Failed. Is trying again. Bunq waited 301 days. Withdrew. Now trying again. N26 abandoned the US entirely. Revolut still doesn't have one. Nubank applied September 30. Approved January 29. 121 days. — The difference? They showed up profitable. $4.2B quarterly revenue. 31% ROE. $783M net income last quarter. 127 million customers. $0.90 cost to serve per month. Traditional banks spend $5+. — This is the world's most valuable LatAm financial institution ($77B market cap) proving its thesis works outside home turf. 60% of Brazilian adults bank with Nubank. 1 in 4 banked Mexicans use Nubank. Now they're bringing the full stack to the US — deposits, credit cards, lending, digital asset custody. — The board tells you everything: Roberto Campos Neto (former Brazilian Central Bank president) as chair. Brian Brooks (former acting OCC Comptroller) as director. Cristina Junqueira running the US operation. — Timeline: 12 months to capitalize. 18 months to open. Still needs FDIC and Fed approval. Target market? "Consumers that know the brand" — read: the 65M+ Hispanic Americans, 92% of whom already use fintechs. — Every US neobank is watching. Every European challenger that couldn't crack the OCC is watching. If Nubank replicates even a fraction of their LatAm playbook here, the competitive math changes for everyone.

@camworboys @CashApp Love it.

Holo Card is out. Might be my new favourite @CashApp card Free to order while stocks last.

There's a reason the best product and engineering teams in financial services keep landing on the same answer: @KnotAPIs really is just that good. The app you use to pay friends back → chose Knot The challenger banks with cult followings → chose Knot The BNPL app in your checkout → chose Knot The card that gets you into airport lounges → chose Knot The rent rewards app everyone's talking about → chose Knot The largest bank in a G7 country → chose Knot The app you use to split dinner → chose Knot With Knot’s connectivity, the most innovative product and engineering teams in card issuance can do things that weren't possible before Knot, like retrieving SKU level data, performing competitor analysis within the wallet, updating cards between BIN ranges, and much more. I couldn’t be more excited to continue to build out Knot’s vision of a more interconnected merchant experience. Stay tuned for some stunning announcements soon.

@mikulaja Likewise insane anyone needs to update cards by hand ✨

Literally insane anyone still needs to do microdeposits for bank account verification in our year of the lord 2026

@joinonepay @Klarna Love it!

Flexibility shouldn’t stop once you tap “pay.” Coming soon: Swipe to Finance in OnePay Later, powered by @Klarna. Eligible OnePay Cash customers will be able to convert eligible purchases into payment plans after checkout, all within the OnePay app. It’s the next phase of our partnership with Klarna and another step toward making money work the way people actually do. Better Money. Better Life. Loans are subject to approval and eligibility. Loan rates vary.

claude code is elite s/o @nbbups for showing me the light!!