Head of Global @ @flexsuperapp | prev crypto @mercury, @brexhq, unimportant @ Citi & JPM | professional round tripper since '17. Views are my own & Claude's.
New York, NY
Joined May 2024
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I got to spend the last 3+ years at Mercury doing what I loved - making sure Mercury became the go-to home for some of crypto's top companies. We believed in the folks building real companies in crypto, even when no one else did, and far before it became cool to be a bank in crypto.
I've joined Flex as Head of Flex Global & Crypto to focus on an even bigger mission: to bring world class financial products to millions of underserved businesses across the world.
Flex has quietly become a trusted partner to thousands of businesses in the US. Businesses that were told no by their banks, and whose needs were overlooked by banks and fintechs building for AI agents and 20,000 person enterprises.
With the help of design partners that are leaders in their industries, we're re-designing global banking* from the ground up, with stablecoins not as a product, but as infrastructure that amplifies years of banking rails, partnerships, and credit expertise.
More to come - super excited to join @zaidrmn, @defyneric, @jaredthomas, and the rest of the team. It's day 1.
*Flex is a technology company, not a bank :)
Flex <3 YC, and we're bullish crypto.
We're building a global banking platform for crypto startups, and we're offering YC founders access to Flex Elite with up to 5% rewards AND:
- Corporate Rewards card with up to 2.3% cash back
- Priority onboarding
- Access to every payment rail you could need, including stables
- Compliance team that is ex crypto so we don't waste your time or threaten to debank you every 3 months
- Dedicated enterprise relationship manager
- Early access to our Global Dollar Accounts, multi-currency, and Global Cards
- Early access to our upcoming Treasury product
- Did I mention Flex Elite?
DM us.
At @ycombinator, we're excited to fund more crypto startups solving financial needs including AI capital raising, stablecoins, trading, and agents.
Here's our latest crypto request for startups. Our next application deadline is Monday.
🔥
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
This
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.
If you're a consumer brand or spending on ads, please don't go into holiday szn not being able to spend on Meta.
if your Meta Ads account suddenly stopped working, it's because of your card provider.
poor quality BINs are blacklisted by Meta (and other ad platforms) and cause your ad accounts to be restricted.
if you're spending $100K+/month on ads, we can help at Flex:
> reliable cards built for high ad spend
> up to 2.3% cashback
> dedicated personal support
> card also comes in a sexy metal green color :)
i'm personally onboarding the next cohort of clients.
call or text me directly: 917-477-9909
We’re cooked.
We believe voice is the most natural way to interact with intelligence, so we created Dessa, the most authentic full-duplex speech model ever built. Talking with it feels like talking with a person…full of emotion, nuance, pauses, and a natural cadence.
block.xyz/dessa
Shadman 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!
Shadman retweeted
Stablecoin Payments Tier List
GOAT+ ( @Stablecoin, @BVNKFinance, @raincards, @0xPolygon )
GOAT ( @zerohashx, @wirexapp, @oobit, @FlexSuperApp, @bettermoney_co )
Perfect ( @gnosispay, @tazapay, @ether_fi, @blindpay, @FireblocksHQ )
Good ( @jeeves_inc, @avici, @BitgetWallet, @0xinfini, @KoloHub )
Underrated ( @conkarta, @coca_card, @yellowcard_app, @mural_pay, @monerium )
Overrated ( @Stable, @Plasma, @meshpay, @MetaMask, @phantom )
Based on my own analysis. Not financial advice!
Now that cars can fly, can’t wait for NYC to put more unused bus and bike lanes in the sky to make drivers miserable yet again.
Shadman retweeted
We hit $100M in ARR as fast as some of the biggest names in fintech, including PayPal, Ramp and Brex.
now processing over $20B in annualized TPV across credit cards, banking, working capital, and much more.
the ambition is to build THE global private bank for UHNWIs, bringing business banking, personal finances and wealth management together under one roof.
2027 is going to be a massive year.
Hearing theres gonna be a Series C @ $400 Trillion.
Chief Design Officer @jgebbia officially unveils America.gov, the new online home for the United States of America
Shadman retweeted
if you’re a high volume trader, prop firm, or market maker, you’re probably using 3-5 different platforms just to move, off-ramp, and actually spend your money.
with Flex, you can do everything from one place:
> best on/off-ramp rates in the industry
> onboard in minutes
> available in 170+ countries
> earn yield on your fiat with no lockups (yield on stables coming soon)
> move between stablecoins and fiat without the usual friction
> business debit or credit cards with up to 2.3% cash back
> Flex Elite with up to 5% cash back*
if you're moving serious volume and want a better financial platform, DM me and i'll show you what we're building.
apply for early access: flex.one/stablecoin
Siri, play "Higher" by Creed.
If you're a business owner, it's time to ditch the Amex.
Today, we're opening Flex Elite to the public.
The personal credit card from Flex (@flexsuperapp).
Invite only. Built for high spenders. Up to 5% cashback on everything*, no annual fee.
More than two years in the making. Members get:
> Up to 5% cashback on every category*
> 24/7 travel concierge
> Top hotels through our own partner network: Aman, Dorchester Collection, Rosewood, Eden Rock St Barths and more
> Flights, private jets, villas, yachts with our travel advisory team
> VIP access to Flex-curated experiences: Monaco F1, Art Basel, the Super Bowl and more
> Personal and business finances in one dashboard, one login
Founders who run their personal and business finances through Flex get the highest rewards tier in the industry.
Request your invite: flex.one/elite
Our goal is (always has been) true adoption for crypto, even outside of crypto-native or adjacent industries.
DM us or join the waitlist for early access to Global Dollar Accounts.
flex.one/global-dollar
there are a bunch of $100M+/year companies on Flex using stablecoins for their day to day operations
here are some of the most interesting use cases i've seen so far:
> a company with 19 entities around the world uses USDT to instantly move money between entities instead of relying on international wires
> a global shipping company receives $50M+ in USDT from customers and regularly off-ramps it into their bank account
> a popular ecomm brand pays out $500k+ every month in USDC to overseas creators across TikTok and Instagram for influencer campaigns
we’re opening up public access to stablecoin accounts on Flex in the coming weeks
if you need a business account that gives you:
> checking accounts with up to $200M in FDIC insurance
> high cashback on card spend
> access to credit
> stablecoin accounts + on/off ramps
DM me personally and i’ll get you onboarded.
Shadman retweeted
IT'S HERE! @FlexSuperApp 💥 @turnkeyhq
Congrats to @zaidrmn @randombankguy @0xNickParis
@pixelatedvince. Amazing working with you guys to take this from whiteboard to reality. Stablecoins don't need to feel like "crypto." Upwards!
Today, Stablecoin Wallet & Payments are rolling out on @FlexSuperApp. Our early customers are already transacting billions in annualized volume with us.
No more juggling multiple platforms for your fiat and stablecoin operations.
You can now hold, send, receive, convert, and spend stablecoins directly through Flex in a 170 countries:
> seamless on/off ramps
> settlement in seconds
> USDC & USDT
> best in class banking with
> all popular chains
> available 24/7/365
> private banking support
> on-chain credit globally
> global visa cards (coming in Q4)
If your business runs on both fiat and stablecoins, bring it all under one roof with Flex.
Request access to be in the first group.