| founder @TakenosApp | porteño y argentino 🇦🇷
Buenos Aires
Joined August 2022
- Tweets1.2K
- Following2.4K
- Followers721
- Likes9.7K
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Estamos listos para despegar con la alianza de @TakenosApp y @LATAMAirlines ✈️✈️
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Libertad, igualdad y fraternidad
🇻🇪🌮
@TakenosApp
Mi primer trabajo en cripto fue para países que no lo necesitaban.
En Kraken armaba estrategias para Japón, Alemania y EE.UU., mercados donde cripto era una inversión más, no la solución a un problema real.
Mientras tanto, en la Argentina del cepo veía como las recientes stablecoins le devolvían a la gente el control sobre su plata. Eso era lo que me apasionaba. Y por eso decidí dedicarme exclusivamente a LATAM.
Esta semana en @TakenosApp habilitamos retiros bancarios en Venezuela.
Y para mí es mucho más que una feature. Millones de venezolanos dejaron su país y sostienen a sus familias desde afuera. Cada vez que me cruzo con uno en mis viajes le pregunto cómo manda plata. La mayoría lo hace de formas muy precarias.
Así que, si me preguntan para qué sirve cripto, ahora tengo una nueva respuesta: para que un venezolano, esté donde esté, le mande plata a su familia de forma rápida, simple, segura y con buen tipo de cambio.
Cada dia más convencido de que a nadie hay que convencerlo de adoptar cripto. Sólo hay que resolverle un problema.
Joaquín Herrera retweeted
No se imaginan la risa que me da recordar que el mismísimo Borges conoció a la encarnación del bostero platónico que inspira este famoso meme:
Joaquín Herrera retweeted
Takenos has reached a million users across Latin America.
None of them came for stablecoins. They came for access to US dollar value.
Learn why @TakenosApp has taken off across Argentina, Bolivia, and beyond from CEO @lucasexequiel.
Joaquín Herrera retweeted
Escribí este artículo sobre cómo se pueden aplicar conceptos de las Ciencias del Comportamiento al marketing en fintech. Poco bullshit y mucho efecto real, con ejemplos y gráficos.
Joaquín Herrera retweeted
En Paraguay tenemos una obsesión absurda con PayPal.
Todo el mundo sigue esperando que PayPal llegue y nos "salve la vida", cuando en realidad es una plataforma del 2005: comisiones altísimas, tipo de cambio horrible y cuentas bloqueadas sin aviso.
Lo que Paraguay necesita de verdad es una forma real de cobrar del exterior, mover dólares y bajarlos a Guaraníes sin perder plata en el camino.
Y esa solución ya existe: se llama Takenos 🇵🇾🚀
Si trabajás remoto, hacés freelance o vendés servicios afuera, esto es todo lo que podés hacer desde Paraguay:
1️⃣ Cuenta en USA a tu nombre (ACH / Wire)
Para recibir pagos directos de clientes en el extranjero o plataformas como Upwork, Deel, Fiverr, Stripe y Workana.
2️⃣ Bajar tu plata a Guaraníes directo a tu banco
Cobrás tus dólares y los transferís a tu cuenta bancaria local en Paraguay (Itaú, Ueno, Continental, etc.) en minutos. Sin vueltas ni intermediarios raros.
3️⃣ Tarjeta internacional
Te dan una tarjeta para pagar suscripciones (OpenAI, Ads de Meta, Google, software) o hacer compras online en dólares directo con tu saldo.
4️⃣ Depositar en Guaraníes
Si necesitás fondear saldo en dólares para pagar servicios o mandar dinero afuera, podés depositar Guaraníes desde tu banco local y convertirlos dentro de la app.
5️⃣ Retiros en USD o Stablecoins (USDT/USDC)
Máxima flexibilidad para mover tu plata como vos quieras.
Dejemos de esperar soluciones viejas del exterior cuando ya tenemos herramientas pensadas 100% para resolvernos la vida a los paraguayos.
Crearte la cuenta te toma 2 minutos.
Joaquín Herrera retweeted
Hice 30 skills para los alumnos de la facu que cubren todas las fuentes de datos de finanzas que hay, la comparto aca
npx skills add gauss314/skills
Si no saben lo que es, pero usan IA para finanzas, le pueden decir a claude que use el repo github.com/gauss314/skills
Joaquín Herrera retweeted
This conversation with @RickRubin is special. Here's a 2 minute preview that I’ve watched 15 times.
The episode will be out tomorrow:
qué lindo ver de cerca una maquinita como @nacho_gorriti_ dando vuelta este mercado y dejando patas para arriba.
vamos @roomix_ai!
Cerramos una ronda de inversión en @roomix_ai para setear el standard de búsqueda con IA en real estate, con el apoyo de inversores como @adamdangelo, @rauchg, Charlie Songhurst, @cocoscap, @PicanteStartups y más 🚀
Arrancando en 🇦🇷.
Joaquín Herrera retweeted
Had a Jane Street phone interview in 2016. "Price a 6-month forward on carrots."
There's no carrot futures market, so I build one from scratch: seasonal harvest cycles, USDA demand elasticity, cold storage decay rates.
One trader stops me. "Your storage cost function– you're modeling the carrot as dead inventory. Like grain in a silo." He asks me the metabolic respiration rate of a post-harvest carrot at 2°C. I estimate.
"Your forward is overpriced by exactly that shrinkage. The underlying is consuming its own sugars. It's alive." Good correction. I adjust the model. I think I've recovered.
Rejection email comes the next morning. Subject: "Ethical Review." My framework, they write, "relied on the severance of the root organism from its growth medium." The question about respiration was a test. The carrot was still alive and I'd built an entire derivatives structure on top of its death without questioning whether harvest was an acceptable act.
I pull up the recruiter's original email. It doesn't say Jane Street. It says Jain Street– a non-violent quantitative commodities fund.
The carrot was never supposed to be priced. It was supposed to be refused. I later learn the only candidate who passed that round was a former monk from Gujarat who sat in silence for eleven minutes and said, "I cannot put a price on life." He's now a partner.
Jane Street made ~$40B in 2025 with 3,500 employees, a ~2x from the year before.
At ~65-70% profit margin, that's $8M profit / employee, the highest for a 1000+ ppl company. High-frequency trading continues to be the most efficient money making engine.
I want to share an old story about my Jane Street interview in 2014. Jane Street was known for hiring a lot of math, physics and CS olympiad winners from top universities and putting them through many rounds - including, for trading roles, a gauntlet of mental math. It was my 6th interview and my final round and I recall being asked "What is the next day after today in DD/MM/YYYY where all the digits are unique?" They'd toy with you and say "You can use a pencil and paper, if you want" but you knew that was an instant no. Painstakingly and as quickly as I could, I came to an answer. "How confident are you that this is correct on a 0-1 probability scale?" the interviewer said. "0.95", I blurted out, not fully knowing how to answer that. "Are you sure?" After thinking harder for a few more seconds, I realized I could've flipped the digits around to get a closer date. I gave the interviewer my answer. It was correct. "0.95 huh?" he chuckled. That's when I knew I failed.
Note: fwiw, other companies that come close in efficiency are
- Tether ($90M+ profit/emp)
- Hyperliquid ($80M+ profit/emp)
and on revenue:
- Valve ($50M/emp)
- OnlyFans ($37M/emp)
- Craigslist ($14M/emp)
- Anthropic ($12M/emp, run rate)
- OpenAI ($8M/emp, run rate)
For comparison, Nvidia is very efficient at scale and is $4.4M/emp.
This is a great tool 👇🏾
New experiment @lattice_fund: our AI associate, Leland.
He is ready to review your deck before setting up an intro zoom call. 👇
Un taxista de Oruro ahora puede comprar SPY
@TakenosApp
Hoy lanzamos una nueva función: Inversiones, impulsado por @OndoFinance.
Es un paso más en algo que venimos construyendo desde el día uno: hacer que las finanzas dejen de ser complejas.
Cobrar, enviar, pagar… y ahora invertir, desde el celular.
Bringing global markets to the most obscure places of latam
@OndoFinance 🫱🏻🫲🏾 @TakenosApp
Tokenized stocks are expanding their reach.
Ondo tokenized SPYon, QQQon, and GLDon are now integrated into @TakenosApp, a leading consumer finance app in LATAM.
Joaquín Herrera retweeted
Look guys, it's actually really straightforward, a bunch of people staked their ETH on the Ethereum blockchain to earn yield, except they didn't want their capital to be locked up, so they actually staked with a liquid staking protocol called Lido who provided them a liquid staking receipt token called stETH, except they decided to juice their yield further by depositing their stETH receipt tokens into a restaking protocol called Eigenlayer, except they didn't want to lock up their capital, so they actually restaked with a liquid restaking protocol called KelpDAO who provided them with a liquid restaking receipt token called rsETH, except they decided to juice their yield further by depositing their rsETH tokens into a lending protocol called Aave so that they could open a leveraged looping position that borrows ETH against the rsETH collateral and restakes the ETH into rsETH which is then deposited as collateral, except it turns out rsETH used a cross-chain bridge called LayerZero that was hacked by north koreans causing rsETH to become undercollateralized and now these looping positions are stuck and unprofitable, and everyone is pointing fingers at each other, and also DeFi is a very serious industry
Joaquín Herrera retweeted
Arrancamos el lunes fuerte.
Hoy lanzamos el Talo-SDK. Recibir transferencias ahora es APB.
Te da paja integrarlo ?
No pasa nada !
Pedile a tu cursor o claude que aprenda como hacerlo usando context7 o leyendo el README del repo.
Si usas cualquier modelo como la gente es un one-shot garantizado. (minimax abstenerse)
Conciliacion automatica transfiriendo desde cualquier banco y con menos de 1% de comision.
Acreditacion AL INSTANTE(!!!).
npm install talo-pay
Joaquín Herrera retweeted
Stablecoins aren’t just tokens. They’re an entire technology stack.
Issuance. Settlement. Infrastructure. Distribution.
And here’s the real shift:
Companies are no longer picking a single layer, they’re moving up and down the stack.
👉 New payment-native settlement chains are emerging.
👉 Stablecoin issuance is becoming a product choice, not a side experiment.
👉 Infrastructure is abstracting away blockchain complexity (custody, compliance, cards, orchestration).
👉 Distribution makes stablecoins completely invisible to the end user.
The winners won’t be the ones launching yet another coin.
They’ll be the ones connecting the stack end-to-end, and moving money instantly, globally, and compliantly.
📷 Source: Norwest
Crypto adoption in the Global South is growing, but driven by stablecoins and remittance rails (yes, not exactly crypto culture)
India, Nigeria, Indonesia, Argentina, Bolivia at the top.
