building irl/url @FlexSuperApp
San Francisco
Joined January 2025
- Tweets499
- Following1.3K
- Followers548
- Likes3.6K
Tim He retweeted
flex was a card for business owners. global banking is now 12% of its revenue, up from 0.4% at the start of the year
> the ceo credits spend management, stablecoin and multi-currency accounts
> cross-border payments revenue 5.5x yoy
> canada is the top market outside the us, then the uae
> $20B+ annualized tpv
us business cards are turning into cross-border banks.
Congrats to the team!
Q3 was Flex’s strongest quarter yet as we build the global financial home for HNW business owners.
A few highlights:
- Revenue grew 2.5x YoY at scale
- $20B+ annualized TPV
- Revenue outside business cards grew 7x YoY
- Accounts Payable now accounts for ~39% of revenue
- Texas and Florida are our largest markets, with customers across construction, wholesale, healthcare, ecommerce brands, local government, and more
- 98% gross logo retention
- Global banking now represents 12% of revenue, up from just 0.4% at the start of the year, fueled by spend management, stablecoin, and multi-currency accounts
- Canada is our largest market outside the US, followed by the UAE
- Cross-border payments revenue grew 5.5x YoY
On the consumer side, thousands of HNW individuals have joined the waitlist for Flex Elite, our new personal credit card offering up to 5% cashback on everything.
We're onboarding members in phases. DM us for priority.
Our ambition is simple: build the full financial home for founders, across both their businesses and personal lives. And every quarter reminds me of how underserved traditional businesses are globally.
I joined Gstaad Guy's podcast to share what we've been up to. Watch below.
Tim He retweeted
Q3 was Flex’s strongest quarter yet as we build the global financial home for HNW business owners.
A few highlights:
- Revenue grew 2.5x YoY at scale
- $20B+ annualized TPV
- Revenue outside business cards grew 7x YoY
- Accounts Payable now accounts for ~39% of revenue
- Texas and Florida are our largest markets, with customers across construction, wholesale, healthcare, ecommerce brands, local government, and more
- 98% gross logo retention
- Global banking now represents 12% of revenue, up from just 0.4% at the start of the year, fueled by spend management, stablecoin, and multi-currency accounts
- Canada is our largest market outside the US, followed by the UAE
- Cross-border payments revenue grew 5.5x YoY
On the consumer side, thousands of HNW individuals have joined the waitlist for Flex Elite, our new personal credit card offering up to 5% cashback on everything.
We're onboarding members in phases. DM us for priority.
Our ambition is simple: build the full financial home for founders, across both their businesses and personal lives. And every quarter reminds me of how underserved traditional businesses are globally.
I joined Gstaad Guy's podcast to share what we've been up to. Watch below.
Tim He retweeted
🔥
we’ve onboarded over $300M+ in annual card spend in last 14 hours
ecom is getting absolutely fried right now on Meta ads because of their card providers
$100K+/mo spenders, you need Flex asap
> reliable cards built for high ad spend
> up to 2.3% cashback
> credit card with up to 60 days of float at 0% APR
> dedicated account managers
DM asap, I’ll get you onboarded today
true
I see a lot of VCs bragging on this app about how awesome they are.
So allow me to brag that no one, and I mean NO ONE, in the VC industry has as much fun as @HustleFundVC.
Also, no other VC owns a hippocorn onesie. Which I wear several times per year.
Tim He retweeted
we’ve onboarded over $300M+ in annual card spend in last 14 hours
ecom is getting absolutely fried right now on Meta ads because of their card providers
$100K+/mo spenders, you need Flex asap
> reliable cards built for high ad spend
> up to 2.3% cashback
> credit card with up to 60 days of float at 0% APR
> dedicated account managers
DM asap, I’ll get you onboarded today
Tim He retweeted
Been using my new @FlexSuperApp Elite card daily for the past few weeks. Perfect product experience so far 👌
Tim He retweeted
i think we just onboarded $250M+ in annual card spend in the last 6 hours...
a lot of ecomm brands are having issues with their Meta Ad accounts because of their card providers.
if you're a brand spending $100K+/month on ads, here's what we offer at Flex:
> reliable cards built for high ad spend
> up to 2.3% cashback
> credit card with up to 60 days of float at 0% APR
> dedicated personal support
DM me if you want me to personally onboard you!
Tim He retweeted
there's a lot of misinformation on X about how BINs and card programs actually work.
just because two cards run on Visa does NOT mean they're treated the same by merchants.
one of the biggest factors is the reputation and health score of the BIN (first 6 digits of the card).
platforms like Meta have sophisticated risk systems that look at things like:
> fraud rates
> chargebacks
> suspicious transactions
> black hat advertising activity
when a BIN gets associated with too much fraud, merchants will restrict and outright block cards issued under it.
this is why you should care just as much about WHO your banking provider onboards and how seriously they take compliance as you do about their cashback rates.
we're extremely strict about this at Flex.
we don't onboard fraudulent businesses, blackhat dropshippers, or customers with questionable sources of funds, regardless of how much money they're willing to spend.
i don't care if someone wants to process $10M a month through our cards. if they don't meet our compliance standards, we don't want their business.
anyways thanks for listening to Eric's fintech risk lesson.
there's a lot more going on behind the scenes of card programs and banking platforms than most realize.
more on this soon.
Tim He retweeted
some of the wealthiest families in the world have a surprisingly difficult time opening bank accounts.
i've spoken with countless family offices managing billions of dollars in assets, and many have told me they've been rejected or even debanked by some of the biggest names in fintech.
there are over 8,000 family offices globally managing trillions of dollars, yet they're one of the most underserved markets in fintech.
the problem comes down to how complex their financial structures are:
we're talking about dozens of entities, trusts, and holding companies spread across multiple jurisdictions, often with complicated ownership structures and a strong preference for privacy.
most fintechs simply don't have the compliance teams equipped to handle this level of complexity, creating a massive opportunity for those that can properly serve these families and their financial needs.
hence, why i've made family offices one of my biggest areas of focus at @FlexSuperApp.
we've built out a suite of financial products designed to support these families across:
> multi entity banking and management
> global onboarding
> stablecoin payments
> credit & working capital
> treasury/investment management
> personal white glove support (i'll drop everything and get on the next flight anywhere in the world if you need me)
if you run a family office, i'd love to chat and see how we can make your life easier.
Tim He retweeted
Got introduced by 20 yo founder to another 20-something founder with the following blurb:
“gokul is fantastic and one of my investors. very sharp, helpful. not boomer”
“Not boomer” is a sign of great respect in their culture.
things vc's say at dinner:
- “this is off the record” (it's not)
- “let me intro you” (will not)
- “we’re seeing a lot of this” (AI)
- “i was an operator” (consultant)
- “we’re early in the process” (they passed)
not at our dinners tho
@FlexSuperApp events are where the real juicy convos happen
Tim He retweeted
Thrilled to announce Flex's partnership with AppLovin!
If you're an ecomm brand doing $10M+ in annual revenue, you're going to love this:
> Up to 5% cashback for your first 12 months
> Up to $50K in ad credits
> Access to a Dedicated AppLovin Rep
> Dedicated Flex Relationship Manager
Sign up using the link in the replies and shoot me a DM.
I'll personally help you get started and unlock these rewards!
Tim He retweeted
The job doesn't have a name yet.
And it's probably the closest thing to a founder you can hire.
Startups call it brand, comms, storytelling, special projects, or whatever else fits the org chart.
But the skill set is pretty distinct:
terminally online, sharp taste, high agency, pattern recognition, the ability to turn cultural moments into bangers,etc
I'm lucky to be working in this emerging corner of the startup economy.
Here's a few things I've noticed.
1. You have to hire for potential, not just proof.
The role is so new that the perfect candidate probably doesn't exist yet. People need time to absorb the ecosystem, develop their instincts, experiment with formats, and figure out what actually works. You can't expect someone to walk in on day one with the entire playbook figured out.
2. The best people are hard to hire because they'd rather build their own thing.
3. Founders know they need this person, but struggle to explain what they're hiring for.
The job description usually captures 20% of the role. The rest is a weird combination of cultural intuition, creative judgment, distribution, storytelling, and execution that doesn't fit neatly into a conventional title.
4. The biggest bottleneck is creative freedom
You need someone who can see things differently, recognize patterns before they become obvious, and turn those insights into something people actually care about.
It's design thinking applied to marketing and narrative
I've been lucky to have a founder take a chance on me and give me the room to test different hooks, experiment with formats, play with memes, explore internet subcultures, and follow patterns that other people might miss.
The result has been a massive win for the brand.
I think more startups are going to realize that this is a role worth hiring for in 2027.
Tim He retweeted
The number one rule when hiring for this role is to guarantee absolute freedom in creative direction.
Let them freely express their criticisms and random thoughts on any subject matter.
The content game is already highly saturated with millions of creators posting crazy stuff every second.
If you limit or try to manage a creator’s vision you will never get the results you wanted because what made that person special was their innate curiosity and way of expressing it.
If you don’t understand what this means you are not ready to hire a head of content.
Tim He retweeted
I LITERALLY PREDICTED THIS IN MY ARTICLE.
> Tech companies NEED creatives
> These creatives are hybrid roles
> THE TOP SKILL IS WRITING
> High demand, low supply
When there’s too much of one (tech), the pendulum always swings back (creative).
(For the record, I wrote this article over a month ago, but the convo around the creative roles in tech has been buzzing this week)
