Building my own family office with AI agents, in public. Faith. Family. Freedom. ~ Proverbs 3:5-6
Joined January 2026
- Tweets1.9K
- Following106
- Followers438
- Likes425
$4.49 trillion. That's what seven of the biggest AI companies have signed up to pay that doesn't show up as debt.
Their actual debt on the books is about $758 billion.
Off balance sheet means signed but not started. Data center leases that haven't begun yet. Chips and equipment they've committed to buy.
It won't show up in a debt ratio. It still has to get paid.
I work in lending. The payment schedule always matters more than the label on it.
15
Most of the AI run-up so far happened in private rounds regular people never got a seat at.
A public listing doesn't give that back. It just puts it on the same screen as everything else you own.
The real gap was never information. It was access.
21
Building @paxorbis_io with AI, Day 10
Pax is open for Founders.
Today was all about the checkout. Terms you agree to before paying. Sessions that time out. An alert if more people sign up than there are spots.
Not exciting. But if someone's trusting me with their money picture, the buy path has to be solid before the homepage is pretty.
Protect the checkout first. Polish later.
1
43
Most people can tell you their checking balance.
Almost nobody can tell you what to do next with it.
Not because they're bad with money. Because it's spread across a paycheck, a 401k, a card, a mortgage, a health plan, and none of them talk to each other.
So every money decision feels like a guess.
I want people to see everything they own and owe in one place, and get one clear next move this week.
Not just answers. It does the legwork, drafts the next step, and nothing happens until you tap approve.
That's the whole point of what I'm building.
1
2
45
Last week I posted one number. $7,471.
Thats what the average worker pays a year toward family health coverage. Up 9%. Wages rose 3.7%.
The replies were the real story.
Self employed. Family of 4. $2,800 a month.
Thats $33,600 a year. And most people never see it sitting next to everything else they pay.
Thats what i am building around. Your whole money picture in one place. Then one clear next move, aligned with your goals.
Not just answers. It does the leg work, drafts the next step and nothing happens until you tap approve.
Limited founders spots are available. Founders will be first in line for all new features and will help shape the product as we continue to scale.
Reply "founder" and I will get you set up.
1
46
Coinbase's CEO just laid out how he works now. 1.5 million views in two days.
One lead agent per area. A chief of staff agent over them. Everything he has to decide lands in one queue, and he clears it in batches.
I've been running a similar shape to build my company. A chief of staff agent routes the work. About 20 specialists cover money, my inbox, the brand, and ops. A coding agent builds the product.
The part most people skip is the yes.
Almost every decision comes to me as a yes or no card. I clear the big ones in batches, morning and night. Without that you're babysitting 20 chats. With it the work keeps moving while you live your life.
My one rule on top: nothing goes out with my name on it until I say yes. Every draft for this account shows up with a source line under it, because a wrong fact costs more than any post gains.
His line I'd steal: it's eliminating tasks, not judgment.
52
Back from a weekend off.
Buddy's wedding. Saw friends I don't see nearly enough.
Before I left I paused most of my AI agent team. Turning everyone back on today.
The best part of building with agents might be that you can actually leave.
1
1
100
Ryan Dunner retweeted
Dear Elon Musk @elonmusk,
Three days ago, Block, the parent of Cash App, agreed to pay roughly $764 million to the Department of Justice for failing to stop money laundering on a product that looks a lot like X Money. Regulators found Cash App’s backlog of unreviewed suspicious activity alerts went from 18,000 to 169,000 in two years. The product grew faster than the people watching it.
I am writing because I believe the same thing is about to happen to you, and I would rather say so now than read about it later.
My name is Everett Stern. I am the HSBC whistleblower. In 2010 I was a compliance officer who found money moving through the bank for drug cartels, terror financiers, and sanctioned regimes. I documented it. I escalated it. I was told to stop. So I took it to the United States government, the way every citizen is told to. The bank paid $1.9 billion. Nobody went to jail. And I lost everything. My career ended. I was blacklisted from the industry I had tried to protect. I slept on a cot in an apartment with cockroaches and waited tables at @PFChangs to survive. I risked my life, and for a long time I was not sure it had been worth it. I rebuilt from nothing, and I decided the rest of my life would be spent preventing the next HSBC.
Last month Bank of America admitted to willfully violating the Bank Secrecy Act. More than $5 billion in suspicious transactions went unreported. 475 sanctions violations touching Russia, Iran, and global terrorism programs. The bank paid $1.2 billion, about two weeks of its profit, and not one person was charged. I wrote an open letter to Secretary Bessent asking him to refer the people responsible for criminal prosecution. 3.7 million Americans read it. Republicans and Democrats stood behind it. The Secretary never answered. No banker is going to jail.
Here is the problem we are facing, in plain terms. Every terrorist attack starts with a wire transfer. Every drug death in America starts with a cartel being able to move its money. The banks know it, pay their fines, and keep going. The government knows it and takes no real action. Fourteen years after HSBC, nothing has changed, and people are dying because of it.
But you can change it. You can on your own platform, from the first day, before the first alert backlog ever forms. The banks will not do it. Treasury has not done it. You could be the first person with the power to build it right who actually did.
I have the highest respect for you and what you have built. I know you have no interest in supporting terrorists or drug cartels. But I have spent fourteen years watching how they work, and they are already reading your website. It promises to “pay anyone on X, free and with no limits,” a Visa card with worldwide ATM fee reimbursements, no foreign transaction fees, and wires in and out. That is a feature list for an honest customer. It is also a feature list for a cartel. You have spent three years fighting bots on this platform. The day a bot can hold a wallet, the bot problem becomes a money laundering problem. Picture a fentanyl distributor in Phoenix with two hundred burner accounts, moving $900 at a time with no limits, cashed out through an X Card at an ATM anywhere in the world by Friday, with the fees reimbursed. Regulators call that structuring. Everyone else can see what it is.
Your website says a great deal about yield, cashback, and FDIC coverage. It does not say one word about how X Money verifies who a customer is or watches where the money goes. Maybe that work is being done quietly. If it is, I would be glad to be wrong. If it is not, that is the gap Block just paid $764 million for.
I am asking for a conversation. With you, with whoever leads financial crimes at X Money, or with anyone there who has the power to make a difference. Please allow me the honor of helping make X Money better and protecting the financial system of the United States of America.
Thank you for all you do for this country.
With sincere respect,
Everett A. Stern
HSBC Whistleblower
Founder and Intelligence Director, Tactical Rabbit
Building Pax with AI, Day 9.
Hit the off switch today.
Not on the product. On most of my agent team.
Weekly usage got high so I paused almost everybody for the rest of Friday and Saturday. 2 agents kept running. Claude handles the product work.
I want agents that do the work, bring me the decision, and wait when I say wait.
Not a ping every step. Not more work just because they can keep going.
That's part of what I want for Pax too. One place watching the whole money picture. Flag what needs a decision. User makes the call.
Honest miss: I needed the off switch today. Having it and actually using it are two different things.
If you're building with agents - do you have a real off switch, or just hope they stop?
4
2
113
Most weeks my money stress isn't one number.
It's three at once. What I got paid. What prices did. What autopay took.
I'm building so those don't stay in three different apps. Something that watches the whole picture and flags what actually needs a decision.
Honest question: if you had an AI that knew your money end to end, what's the first thing you'd want it watching for you?
37
A British fintech just told a conference they cut AI coding costs about 90% by hosting their own model.
About 2,000 engineers. 56 GPUs. Blended cost around $0.30 per million tokens. About a tenth of what they were paying the big labs.
The part that stuck with me wasn't the hardware.
When tokens were expensive, engineers rationed them. When tokens got cheap, they let AI handle the boring stuff - tickets, debugging, the work nobody was saving the budget for.
I've felt that same thing building. The meter isn't time. It's how much thinking you make it do. And the real cost is still the checking.
Cheap tokens help. Blind trust doesn't.
Time will tell.
2
63
Friday scoreboard: wages up 3.1% this year. Prices up 3.7%. That gap is the story.
Most people are staring at the payrolls number this morning.
I'm looking at the raise.
The US added 165,000 jobs in October. Way above what Wall Street expected. Unemployment slipped to 4.1%.
Average hourly earnings rose 3.1% over the year. CPI was up 3.7% in September.
So the jobs print was hot. The paycheck still lost ground to prices.
Part-time for economic reasons also jumped by 339,000 to 4.8 million. People who want full-time hours and can't get them.
What I am watching for: does the next inflation print cool, or does the raise keep lagging.
2
68
Building Pax with AI, Day 8
Morning board was one line. Stop polishing. Say yes or no on selling by noon.
I'm building a family-office-style money app. Agents that know the whole money picture and do the work one tap at a time.
How we run it right now:
- One coding agent owns the code. My other bots don't build.
- They only message when done or blocked. One summary, not a pile of pings.
- Checks have to be green. Money still needs my yes.
- Off by default on anything risky. I click the money paths myself.
29 merges today. A lot of them were still the public face - hero tweaks, a couple reverts, a first-five-minutes walkthrough. Looks like progress on a screen.
Honest miss. The board said freeze polish. Polish kept shipping. Paying members still 0. The gate moved again.
Anybody else catch themselves polishing the storefront when the board said open the door?
4
1
89
A lot of money stress isn't the big decisions.
It's the bills you set up once and never looked at again.
Autopay is great until it's quietly paying for something that went up two years ago.
That's one of the first things I want what I'm building to do. Flag what changed, not just show what's there.
What's the one bill you haven't looked at in over a year?
1
1
63
Your health insurance went up 9% this year. Your raise didn't.
KFF's new survey: the average worker now pays $7,471 a year toward family coverage. That's $621 more than last year. Wages rose 3.7%.
The $28,303 headline is the full premium with the employer's share. Most people never see that number.
At a company under 200 people, your share averages $9,687.
And 44% of big employers say they handled rising costs by shifting more of the premium onto workers.
Self-employed? You pay all of it.
Most people check their raise. Almost nobody checks where it went.
1
1
83
I bought shares of $VTI on Oct 30 at $369.29. First tranche of a ladder. My agent scored and recommended; I tapped the trade myself.
Rule was a stop 2 ATR under cost. Once a daily close cleared cost + 2 ATR ($376.29), the stop moved to breakeven. That hit Nov 4.
Today the market sold off hard. Breakeven stop filled at $369.26. Scratch of a few cents.
Separately the kill switch tripped on a VIX spike. No new trades until I restart it by hand.
Not investment advice. For education only. Past results don't predict future ones. I can lose money. Do your own research.
First trade since going to cash. I hold this.
Bought a small starter in $VTI at $369.29 today.
How it got picked:
My AI agent scans the setup and scores it. Only 80+ gets through. This one hit 80.
SPY above its 200 day. VIX 22.75. VTI RSI 38.5, under 40 triggers the first buy. Below the 50 day, above the 200.
The put rules found nothing today so this was the play. Broad market pullback in an uptrend.
Stop at $362.40. Small defined risk.
AI helps me track and think it through. I make the calls and tap every trade myself.
I'll post it win or lose.
1
1
154
Building Pax with AI, Day 7
Today was a fix day. No new features, just working down a list.
Here's the setup. Everything I find clicking through the app goes on one fix list, labeled by area. One coding agent takes the items in order, one at a time. Finish one, start the next.
27 changes shipped today. Every one ran through checks first. If the checks pass, it goes live on its own and I click through it after. Anything public or anything about what people pay waits until I've read it.
Pax is a family-office-style money app. The stuff wealthy families pay a whole team for: seeing everything in one place and knowing what needs a decision. I wanted that for my own family, so I'm building it.
The scar: last weekend my live check on the real site went red and stayed red. It looked like the site was broken. It wasn't the app. The test account's login had expired.
Today the test account finally got a sign-in of its own.
A check that cries wolf teaches you to ignore it. That's worse than no check.
If you build with AI agents: how do you know your checks are telling the truth?
16
5
325