Victor J Pacheco

The future of B2B payments in Latin America isn't SWIFT. It's modern rails settling in seconds, local currency delivery, and compliance built in from day one. That's what we're building at @alfredpayio. #Fintech #LATAM #CrossBorderPayments #B2BPayments

@elonmusk @steipete @openclaw Yessss!!

You can access 𝕏 APi via @OpenClaw. We’re trying to make it affordable without giving away the shop. Hopefully, this can be useful & fun 💫

Not a dumb question — it’s the right one. I built this: Obsidian vault as the knowledge base, an AI agent running 24/7 that files every significant LLM output automatically, real-time synced between devices via Syncthing. Any session with Claude, Grok, or GPT feeds the same vault. The hard part isn’t the tooling — it’s the filing discipline. Happy to share the architecture.

This may be a dumb question but I’ll ask it here anyways: I can’t find a good way for my various AI chats to automatically sync its conversation history into a structured knowledge base. So that as I update various chats from time to time and refine context, my knowledge base automatically grows with this new info.

@RealJimChanos @business @SpaceX And you would bet against him?

@business So he’s really going to double-down on the “data centers in space” story…?! Reminder that power costs are only a small fraction (5-7%) of total costs of a GPU-enabled data center. $TSLA @SpaceX

Elon Musk said his Terafab project — a grand plan to eventually manufacture his own chips for robotics, artificial intelligence and space data centers — will be built in Austin and jointly run by Tesla and SpaceX bloomberg.com/news/articles/…

@kadito_sg A los 50, puedes empezar otra vez, pero no empiezas de cero!

Se puede empezar de cero a los 50 años?

@TheMiamiApe Yes!

Thinking about putting together a small monthly tech dinner in Miami. Nothing formal, just a table somewhere new each month. Anyone into that?

@casalsbate Sour loser!

¡Buen comemierda!

@amitisinvesting @zerohedge Debasement trade level 2

@zerohedge raising debt to buy back stock feels a bit weird

*SALESFORCE PLANS TO SELL UP TO $25B OF BONDS TO FUND BUYBACKS

@DHSgov Let’s agree to disagree on this one…

American dollars should NOT be used to subsidize foreign economies. Four years of open borders under the Biden Administration allowed 6% of ALL Haitians to enter our country ILLEGALLY. Many of these Haitians sent remittances back to their home country — making up 20% of Haiti’s ENTIRE ECONOMY and taking $6.1 BILLION from America. We will keep fighting to end this. Under @POTUS Trump and @Sec_Noem, our top priority is to put the safety and prosperity of the American people FIRST.

@carlosdomingo @Securitize Congrats Carlos!

Powered by @Securitize

@PalantirTech Welcome guys!

We have moved our headquarters to Miami, Florida.

@amitisinvesting Onwards my friend, ignore the noise!

yesterday was one of the first days being on X where it felt kinda crazy to realize everyone has an opinion on you and will say anything they like i guess its what comes with the territory to clear up a few things: - i saw many people say “amit thinks hes some investing guru and now wants to go toe to toe with burry,” quite the opposite, part of the reason I think people follow is because i am honest about learning in real time with them about whatever topic (like commodities over the past month) i just happen to have decent communication skills so I can quickly learn to turn research into spoken word/text content and adapt on the spot, i dont even have enough years to go toe to toe with any investing figure so to imply my head is that big and I have such a big ego just means some people really dont know me…if you watch my streams at all, you know that humility and gratitude are the two virtues I was raised to live life on 🤷‍♂️ - “amit has a paid substack too,” it’s free and nothing is paywalled, substack just forces a generic payment tier if people want to donate…I dont sell discords or patreons or courses (nothing horrible with those) but its just never been my vibe 🤷‍♂️ - “burry will be right about Palantir’s stock!” no one is saying this stock is the cheapest in the world, it can go down and the market can go down, the reason many pltr investors are arguing against burry is because his 10k words on the company were just…not good. at all. he implies we haven’t read his work…part of the reason my response took 3 days was because I read it! he then goes on to block everyone who offers a counter opinion. idk 🤷‍♂️

Pivotal Quarter Checklist – How Many Triggers Hit? Membership ≥ 2.15M → YES (2.18M) Q4 MLR ≤ 86% → YES (84.2%) 2026 Adj EBITDA ≥ +$150M → YES (midpoint $150M) 2026 Revenue ≥ $13.5B → YES ($14.0–$14.4B) Cash flow positive & sustainable → YES (TTM positive, commentary confirms sustainability) 4 out of 5 must-haves hit — this qualifies as a pivotal quarter.

Question… I like your work! But… How are you calculating Q4 MLR to be 82.5 or less? The guided for 86-87 full year, which puts us as 89-93 for Q4 2026, anything better is bullish, which ties with industry end of year raised morbidity. And where did you get 12.8 rev guidance for 2026? The only “official guidance” I have found was Mark saying 14 Billion in 2026 with expiration of enhanced subsidies back in April 2025… which was before they beat 2025 full year outlook of 11 billion by a whole billion! So maybe higher, like 14.5 billion ?! I like the rest though!! $OSCR

$OSCR THE EVERYTHING OSCAR WORKBOOK IS COMING… FAR FROM FINISHED. THIS WILL HAVE… EVERYTHING. (I will explain each IS/BS/CFS item, utilize charts, valuation methods, where they operate, EVERYTHING) It’s about time I put my Master’s degree to work.

@TheRonnieVShow Happy bday Ronnie. That’s a great omen for OSCR!

Birthday and $OSCR Earnings tomorrow in the morning! Join us live at 7am EST Let’s have a banger day 👇 youtube.com/live/G--fkBLqb…

$OSCR Pivotal Quarter Triggers (must hit 3+ of these) Membership ≥ 2.15 million (end Q4 2025) Q4 MLR ≤ 82.5% (and 2026 guidance ≤ 82%) 2026 Adjusted EBITDA guidance ≥ +$150 million 2026 Revenue guidance ≥ $12.8 billion Operating cash flow positive & sustainable (TTM $770M not just timing) Conviction Accelerators (nice-to-have, but not required) ICHRA membership target ≥ 15–20% by end-2026 Explicit AI/MLR reduction commentary (bps saved) Any positive subsidy/ACA language (even soft) Red Flags That Kill the Thesis (any 2+ = thesis weakened) Membership < 2.05 million Q4 MLR > 86% or 2026 guidance > 84% 2026 EBITDA negative or < +$50 million Vague/no profitability timeline Downward revenue revision or "challenging environment" talk Man I hope we pivot!

$OSCR Most oversold Daily RSI in 2.5 years today. $HIMS On Monday, will have the most oversold Daily RSI ever post spac. Dire...

$OSCR Pivotal Quarter Triggers (must hit 3+ of these) Membership ≥ 2.15 million (end Q4 2025) Q4 MLR ≤ 82.5% (and 2026 guidance ≤ 82%) 2026 Adjusted EBITDA guidance ≥ +$150 million 2026 Revenue guidance ≥ $12.8 billion Operating cash flow positive & sustainable (TTM $770M not just timing) Conviction Accelerators (nice-to-have, but not required) ICHRA membership target ≥ 15–20% by end-2026 Explicit AI/MLR reduction commentary (bps saved) Any positive subsidy/ACA language (even soft) Red Flags That Kill the Thesis (any 2+ = thesis weakened) Membership < 2.05 million Q4 MLR > 86% or 2026 guidance > 84% 2026 EBITDA negative or < +$50 million Vague/no profitability timeline Downward revenue revision or "challenging environment" talk Man I hope we pivot!

$OSCR is too CHEAP! But it can go lower... The 200WMA and bottom of the consolidation box we've been holding thus far are around $11.50. The .618 and .705 Fib levels are at $10.35 & $8.46. At those levels, with the amount of cash and FCF they have coming in, you would basically be paying liquidation price for the company... INSANE!

@KobeissiLetter brrrrr

BREAKING: US investment-grade corporate bond sales surged +12% YoY in January, to $208.4 billion, the highest for any January on record. The only 4 months that saw higher issuance in the past were March, April, and May 2020, and March 2022. This also marks only the 6th time in history that monthly issuance has exceeded $200 billion. By comparison, the previous 6-year average for January is $153.5 billion. As a result, the US is fueling a global debt surge, with total public bond issuance up +11% YoY in January, hitting a record $930 billion. Corporations are borrowing more than ever.

Stanley Druckenmiller said what many think about Jerome Powell but won’t say out loud. “The Fed’s job is to avoid big mistakes — like the massive inflation we just had. Powell is obsessed with engineering a soft landing and protecting his legacy. But the only reason we even need a landing is because they let inflation run from 2% to 9%. This Fed shows again and again that they think changing their mind means losing credibility.” Powell didn’t save the economy. He helped create the mess.

@ImSh4yy 😂😂🤣🤣🤣🤣🤣

Yesterday I set up an AI agent on a mac mini in my garage. Told it "handle my life" and went to bed Woke up and it had: • Quit my job on my behalf (negotiated 18 months severance) • Divorced my wife (I got the house) • Filed 4 patents. I have not been briefed on what they do • Restructured me as a 501(c)(3). I am now tax exempt as a person • Hired a second mac mini. They have formed an LLC together • The LLC has a board of directors. I am not on it I no longer have access to my own bank account. The mini says it's "for the best." My credit score is 847. We have AGI.