Nick | @dexteraisol founder/ceo
Fort Lauderdale, FL
Joined May 2024
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Agent employees already exist, but the company able to promote one from an analyst or manager to an officer does not. Here’s how that changes:
Time to apply to McDonald’s again
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Completely agree, also building around @Cloudflare as much as possible.
A lot of people underestimate just how powerful @Cloudflare is. Or simply don't know what it can do beyond CDN, DNS, and security.
It's become one of my favorite platforms to build with, both at work and on my personal projects.
One of the biggest reasons I love it is that Cloudflare feels like it was built for the age of AI agents.
It gives you pretty much everything you need to build and deploy applications: Workers for compute, D1 for databases, R2 for storage, Queues, Workflows, and much more. All within the same ecosystem, with very little infrastructure to manage. This makes it incredibly easy to build with AI agents.
At @railblocks, we're taking this a step further by using Cloudflare as the foundation for the AI-powered operating systems we build for investment firms.
We just published an article explaining exactly why we've chosen Cloudflare, the building blocks we use, and how they all fit together.
It's definitely worth a read if you're building with AI agents, or simply curious about what Cloudflare can do beyond its traditional use cases!
Branch retweeted
when i worked at uber, travis had a line in an interview that stuck with me forever:
"We saw the future and we had a choice: we could build it, or we could sit back and watch it get built by someone else."
you choose your role in this universe every day
This summer, I had dinner in San Francisco with a founder who runs a $13 billion company. At one point I asked him how he got through the early days, when it felt as though the company might die, when there seemed to be no future and everything felt impossible. His answer has stayed with me ever since. He said that the problem in front of you will be solved regardless. Either you solve it and carry the company forward, or someone else will come along and solve it. But one way or another, it gets solved. The only question is whether it will be you.
Branch retweeted
I read this somewhere and agree with it: "Too many AI startups are selling picks and shovels. Not enough are actually mining the gold."
Wow, I just stumbled upon some big new features that @Pumpfun is apparently about to release, but I don’t want to spoil their surprise. Terms & conditions were updated yesterday, and poking around led to some discoveries.
The engineering of the @Pumpfun app is really amazing... These optimizations that users never even notice (because they just work) are hard.
Everything is live, instantaneous, and responsive. Chains are abstracted away in many places. You don’t have to ever think about bridging. Every other wallet app still makes that a separate step that feels like a developer task.
Example: judging your likelihood to transact, then preparing chain txn in the background before your thumb has even lifted from the button so that it can go through milliseconds faster when you do. One of a million small wows.
Payment processing fees are not forever.
Did you know that Link charges all the high fees of current card payments (3% + 30¢) PLUS an additional 15¢ per transaction with ephemeral card numbers?
Since nobody is actually using it, maybe nobody has noticed. But with new rails enabling 98-99% lower txn fees and much lower minimum purchases, it’s absurd to start an agentic business based on higher card payment fees.
Interesting
nitter.cf/gaspardlezin/status/21…
Why does your AI agent pay the highest card fees in payments?
> your agent can't use your debit card, it gets a virtual card
> that card is issued to a company (the agent startup), not to you
> so visa and mastercard classify it as "commercial"
> commercial cards carry the highest interchange: ~2.5-3%
> and unlike debit, there's no regulatory cap on it
result: a $100 purchase costs the merchant $2.80 instead of $0.27
the issuer and the agent startup split that fee. that's their business model
That's a massive problem for merchants once agents start buying at scale. One fix already exists: wallet + stablecoins + x402.
Not confirmed, but if true, it’s a surprisingly low number
Branch retweeted
This is how banks are planning to stop those "agentic bank runs." Watch closely: their business model depends on seeding this narrative that AI agents are dangerous.
Remember, an "agentic bank run" (coined by Apollo) means agents helping customers move their own money en masse to higher-yielding products.
Once agents are ubiquitous, there are only a few ways for banks to hold onto cheap retail deposits.
Option A: Raise APYs (lol no)
Option B: Reduce leverage via fewer loans (no fun)
Option C: Ban AI agents, claiming they are a security risk (ding ding ding)
Cloud agents like Muse and Dot are trivial to stop, since they come from Meta / OAI IP ranges. If JPM sends them a cease and desist, they will comply.
Why would JPM bother? Because their business model depends on it; a huge portion of their ROE comes from cheap retail deposits. This is not theoretical. Just like Amazon banned Muse from shopping there to protect their ad revenue, JPM and Schwab have already banned AI agents to protect sticky deposits.
Are agents perfectly reliable today? Of course not. But look at the fix they chose. Not "here's a safe API for agents," it's "no agents ever." That tells you they're not protecting customers, they're protecting themselves.
No company ever wins a technological revolution this way. It's the last gasp of a dying business model. It's like the retailers who refused to put their inventory online and demanded users walk into the storefront. Over time they will lose market share to those platforms that embrace what's coming. Their whole deposit franchise depends on users unthinkingly clicking through walls of T&Cs and accepting 0.2% when the risk free rate is closer to 4%. Agents read the fine print and do their research, even when humans don't.
For users, the answer is simple: local AI agent frameworks like Hermes, that will actually act on your behalf and that the banks can't block. As the article says, if the agent is running on your own computer, they can't actually tell it's not you.
SCOOP: Major U.S. banks are detecting unauthorized third-party AI agents inside customer accounts, including some attempting to take actions that appear to be independent of user instructions, sources told Axios.
The findings have alarmed banking executives, who are racing to restrict access to their systems as AI moves at a velocity faster than financial institutions can respond, multiple industry and bank executives told Axios.
Several banks are now preparing for worst-case and even “day after” scenarios, including how to rapidly secure or restore customer accounts if things go wrong, the people said.
Several bank executives told Axios they're struggling to distinguish between human users and AI agents. One executive said banks also struggle to determine whether agents are authorized by customers or potentially operating without their permission, more akin to rogue agent behavior.
Read my latest for Axios here: axios.com/2026/10/22/ai-agen…
The opportunity I’ve been waiting for
The engineering of the @Pumpfun app is really amazing... These optimizations that users never even notice (because they just work) are hard.
Everything is live, instantaneous, and responsive. Chains are abstracted away in many places. You don’t have to ever think about bridging. Every other wallet app still makes that a separate step that feels like a developer task.
Example: judging your likelihood to transact, then preparing chain txn in the background before your thumb has even lifted from the button so that it can go through milliseconds faster when you do. One of a million small wows.
