Keef

@Milajoy I did ✋️ I didn't know making the roads safer was bad.

Who voted for this?

@jdwitherspoon It's racist to not like something now?

What is it with some of these white folks being so anti-Bad Bunny? He’s an American born superstar artist from Puerto Rico, and has never been a problem before this halftime show. Does ur racism really run that deep? Embarrassing.

@GovTimWalz You mean Somalian. Try to keep up, Timmy.

I’ve never been prouder to be a Minnesotan.

@BernieSanders Bernie reminds me of those old dolls you pull the string on their back abs they repeat a couple words. "Oligarchy.", "Billionaires.", "Oligarchy."

Thanks to Trump, right-wing multibillionaire Larry Ellison will now control the TikTok algorithm, along with: CBS MTV The Free Press BET CMT Simon & Schuster Nickelodeon Paramount+ Pluto TV and more This is what Oligarchy looks like.

@MilesTaylorUSA Surely you can't be this dumb.

I’m a lawful gun owner with a concealed carry permit. I didn’t realize my government was now killing people for that.

@SLFMR1 Yep.

I really wonder if there are still Cardano People.

@GavinNewsom Jesus Christ, bro, go away already

We're witnessing corruption under Donald Trump at a scale this country has never seen. Weaponizing our institutions against his enemies. Profiting off the presidency. How the hell are we putting up with this?

@elonmusk When will Teslas have an electric field feature that zaps the fuck out of approaching leftist retards?

Terrible

@angrycryptoshow Hope all is well, brother. Health is wealth.

Taking a break until further notice.

@IlhanMN If Elon is one of the dumbest people on Earth, that makes you... ?

You are one of the dumbest people on earth, my district is literally a majority white district. Your conspiracy theories are laughable and should have no place in a society that cares about facts.

@Xfinancebull @coinbureau When one side has serious TDS and then he immediately launches 2 memecoins, they're going to push against crypto as a whole. As Charles has started before, for them Trump = crypto = bad

@coinbureau Crypto’s bigger than any one launch. Serious bills should stand on their own merit, not headlines.

🔥HOSKINSON BLAMES TRUMP MEMECOINS FOR KILLING CRYPTO BILLS Charles Hoskinson says the TRUMP and MELANIA memecoins made crypto look bad and corrupt. He says launching them closed the bipartisan window to pass the GENIUS and CLARITY Acts last year.

@greedbags @midnightexplr @Google @googlecloud @MidnightNtwrk @midnightfdn Great logic. If I accomplish something, I shouldn't be happy, because other people have accomplished things too. Makes sense.

@midnightexplr @Google @googlecloud @MidnightNtwrk @midnightfdn I don’t understand why people are making such a big deal out of it when Google Cloud isn’t using Midnight as its only private chain anyway.

🚨BREAKING: Google Cloud is now live on the Cardano testnet! Running an $ADA node is no longer optional — it’s a mandatory requirement for Midnight privacy validators. A clear signal that👉 enterprise-grade infrastructure is stepping into the Cardano & Midnight ecosystem.

@JebraFaushay Mental illness is rampant on the left

Anti-Ice protestors are just out there exercising their constitutional right to assemble. In no way do they impede federal law enforcement. Not one bit. They are a peaceful people. 🕊️ (Stustustudioinsta)

@MinswapIntern If CLARITY gets signed, perhaps

Do you think we can see $1 $NIGHT this January?🤔

@amandaorson I don't know anyone who has ever been to or used a credit card lounge, also I don't care about points and rewards. They're credit cards, you don't use them to get rewards... that's just a little kiss you get after being analy victimized.

Your credit card rewards exist because someone else is paying 25% APR. Cap that at 10% and the points don’t survive. I spent years working inside fintech and card programs. That interest margin is the invisible buffer that makes rewards, lounges, and credits pencil out. Capping credit card APRs at 10% sounds like an obvious consumer win. Cards charge 20 to 30%, many consumers revolve balances, and the system feels punitive. But credit card economics are not just about interest rates. They are a cross-subsidized system where revolvers subsidize transactors, rewards rely on behavioral inefficiency, and risk-based pricing subsidizes access. Remove one leg of that stool and the system does not become fairer; it rebalances. And the costs show up where consumers notice most. Lets look at how this would impact 3 programs 1. AMEX Platinum A 10% credit card APR cap would not make your card cheaper or better. You would still have access, but you would almost certainly get less value for the same or higher price. The Platinum brand survives because its customers are affluent, pay in full, and tolerate high annual fees. What quietly supports that ecosystem is portfolio-level profitability, which allows AMEX to tolerate loss, overuse, and inefficiency in premium benefits. When that margin shrinks, the cost shows up directly in your (lesser) benefits. In a world where: - Rewards economics tighten - Devaluations become more likely - Flexibility is reduced Points become a liability to the issuer, and liabilities get repriced. So what this likely means for you as a Platinum cardholder: - Lounges do not expand to fix crowding. Instead, access tightens or amenities are reduced. - Statement credits become harder to use, more fragmented, or less generous. - Annual fees go up - New approvals become more selective, even for high earners. Your card still works, but the value proposition shifts. Platinum becomes more explicitly pay-to-play, with fewer hidden subsidies propping up premium perks. You pay the same or more, and you get a little less in return. Which is why some people are already warning that points devaluations become more likely in this environment (like @BowTiedBull this morning saying "Dump ALL your credit card points. All of them.") 2. Bilt Card This program is the canary in the coal mine for what to expect. Bilt’s super popular rent rewards worked because Wells Fargo was willing to subsidize them. The card offered 1 point per dollar on rent with no fees because Wells Fargo paid Bilt roughly 0.8 percent (80 bps) of each rent payment to fund rewards... despite earning little or no interchange on those transactions. But that is some actuarial level math with a number of variables at risk that proved wrong/ unsustainable. Wells Fargo was getting hosed $10 million a month on the program, so they exited the partnership years before the original end date and forced Bilt to restructure its rewards with a different bank What does that teach us? - When interest and interchange margins shrink, banks stop tolerating loss-leading reward programs. - Interest income does not fund every reward directly, but it provides the buffer that allows experiments like Bilt to exist at all. - Remove that buffer and rewards must be paid for explicitly. Bilt’s shift to a three-tier lineup with annual fees is not an anomaly. It is the direction rewards go when credit stops quietly absorbing losses. Pay-to-play rewards. What feels like consumer protection will shows up as fewer perks, pay-to-play rewards, and less room for innovation. 3. Credit One & other Subprime Cards Now the least glamorous corner. Subprime cards get criticized for high APRs, annual fees, low limits, minimal rewards. But they exist for a reason. They serve thin-file borrowers, damaged credit, people shut out of conventional loans, households using cards for liquidity not perks... but they charge high APRs because charge-offs exceed 8-10%, fraud and servicing costs are higher, and credit limits are small while fixed costs remain significant. A 10% cap makes these products mathematically impossible. These cards don't become cheaper. They cease to exist. As @sytaylor noted this morning - "You realize this will push many more customers towards loan sharks?" The demand for credit doesn't disappear... it migrates to BNPL with opaque effective APRs, chronic overdraft usage, fee-heavy installment loans, and less regulated lenders like loan sharks/ payday loans. So who WOULD win? Debit-First Fintechs One of the least discussed consequences: where would reward customers migrate? I think 1% cashback programs are an obvious winner. Chime, Varo, Current and niche cards like Greenlight and Privacy. (If you have not worked in a fintech or a bank you probably don't know what the Durbin Amedment is - but the TL;DR is that very large banks (BoA, Wells, JPMC) have capped interchange rates of around 27 bps on debit swipes. Small banks with < $10B AUM, however, do not - they can earn 1-2% on interchange (avg was 160 bps or so last I checked). Which is why all of the debit card fintech companies you've heard of are partnered with these smaller banks - they can offer rewards like 1% cashback programs and still have margin sufficient to build a business around.) In a world where credit rewards shrink, access tightens, and annual fees rise, debit-based fintechs look better by comparison. But consumers lose: credit protections, payment float, stronger dispute rights, credit-building opportunities. TL;DR An APR cap feels like consumer protection. In practice it reshapes the market in ways that are easy to miss: - It will shrink access to credit - Eliminate rewards programs that aren't tied to high annual fees - Force risk into less regulated channels - Unintentionally advantages debit over credit - Help affluent transactors more than vulnerable borrowers Credit doesn't become cheaper. It becomes scarcer, less flexible, less transparent. But banks will adapt. Fintechs will adapt. Consumers caught in the middle do not get protected. They get fewer choices, worse products, and priced out.

🌚 Retweet if you LIKE the Midnight ecosystem!

@donwinslow You can also see the front end lift up a bit which would indicate she really hit the gas when are started forward.

THE WHEELS ARE FULLY TURNED AWAY FROM THE OFFICER. Watch in SLOW MO. No intention IMO to hit anyone. Sole intention based on wheel/steering wheel to LEAVE the scene NOT A THREAT. Look at the wheel.

@donwinslow Bro she was heading toward him and at the last moment after he pulled his gun she started turning. The officer at the door was giving her orders and instead she started toward the other officer. She definitely wasn't obeying commands.

@Rep_Stansbury Shut up, you whiny hypocrites.

The White House is confirming U.S. military operations in Venezuela tonight. Let us be clear: these strikes are illegal. The President does not have the authority to declare war or undertake large-scale military operations without Congress. Congress must act to rein him in. Immediately.

@NYCMayor You just focus on destroying NYC.

I was briefed this morning on the U.S. military capture of Venezuelan President Nicolás Maduro and his wife, as well as their planned imprisonment in federal custody here in New York City. Unilaterally attacking a sovereign nation is an act of war and a violation of federal and international law. This blatant pursuit of regime change doesn’t just affect those abroad, it directly impacts New Yorkers, including tens of thousands of Venezuelans who call this city home. My focus is their safety and the safety of every New Yorker, and my administration will continue to monitor the situation and issue relevant guidance.