Spawning Agents
St Petersburg, FL
Joined May 2009
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Pinned Tweet
Agentic Economy transaction volumes are incoming
Grok Bot + X Money for agent payment rails is inevitable
Michael Growney retweeted
Going to share a secret
If you need a loan, the first place to go shopping is not the internet. Or Chase, Wells, BoA, et al
1. Go to iBankNet ibanknet.com/bankmap/index.s…
2. Select the state you want to buy the asset in - real estate, business, or where you live personally.
This will display the list of banks (or credit unions) in descending order of AUM
3. Start calling banks from this list.
Some local banks are shockingly large - ex there's one in...WV? you've probably never heard of with 27B AUM.
Your local banks have plenty of money to lend, and your loan matters WAY more to them than, say, JPMC (who banks 1 in 3 Americans) where you're a drop in the bucket.
Which usually means a real person will work with you on terms.
This works whether you need a mortgage, a DSCR loan, a construction or bridge loan, or money to buy a business.
Michael Growney retweeted
🇺🇸 This couple decided to try being polyamorous...
The husband tried to end things with the other woman.
Turns out the exit was not as open as the relationship.
Writer: Mhedi
Michael Growney retweeted
What are the top 1% of AI spenders paying so much money for?
Tools to build, automate, and ship.
Versus the average spender, they're:
- 23x more likely to pay for n8n
- 18x for fal and Manus
- 15x for Higgsfield
Full list of the Top 50 Consumer AI Apps by Revenue, from @omooretweets on Cosign: cosign.co/lists/omooretweets…
The top 1% of AI spenders now outspend the bottom 50% combined
They spend an average of $903/month, while the median customer spends just $25
More charts in our Top 100 Consumer AI Apps breakdown: a16z.news/p/top-100-consumer…
Michael Growney retweeted
The worst part about being ahead of the curve is, everyone thinks you're retarded.
Roughly 58% of SMBs in the US use generative AI
Most SMBs are AI rookies with basic consumer-tier tools used for one-off tasks
Stop over complicating it. Build simple AI products that enhance those existing SMB verticals
Gemini 3.8 Flash is the model release most teams should pay attention to.
Better reasoning/coding at Flash speed & cost is where agents get practical.
The win isn't sending every task to the smartest model. It's matching model to the work..
Late 2025: Hugging Face turned down a $500M NVIDIA investment at a $7B valuation. Didn't want an investor big enough to steer decisions.
Less than a year later: acquired by NVIDIA for $12,930,300,000.
Nobody pays 86x for a P&L. They paid it for 18M developers and 3M models.
Vibe coding is a perpetual state of optimizing your agents toolkits
I have a daily routine that assesses new skills drops and models against my current loops
This helps me lock in tools I actually benefit from vs. wasting time configuring AI slop
Nothing's more annoying than hitting your usage limit because every call went to a frontier model
Most of your Hermes queue is routine. Let your Grok 4.6 / Fable 5.1 tag in a model like Llama to handle the simple stuff
The model is not the moat anymore. The gateway is.
One model doesn’t fit every job. Separate configurations for multiple model providers is clunky.
The AI cost / quality benefit for builders exists in competitive inferencing from one gateway.
OpenRouter is joining Stripe.
We started OpenRouter with a simple mission: intelligence should be multi-model. Today, we are the largest AI marketplace & gateway, processing 10T+ tokens daily on 400+ models.
Joining @Stripe gives us the opportunity to accelerate that mission.
How many low reasoning tasks are you running with frontier model usage costs?
I use Yielding Bear to easily switch those simple tasks to free/low cost LLMs and save my frontier model usage for the heavy lifts
yieldingbear.com
