Ayo Omojola
Product leader and investor: co-created the Cash Card at Square's Cash App, was chief product officer at Carbon Health, founded Refract Ventures, and is building the healthcare payments company Substrate Intelligence; writes the newsletter Kunle.app.
Ayo Omojola did not write this page.
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Their wordsI don’t often like to extrapolate trends in a straight line but extrapolating these trends to their logical conclusion basically gets America to a single-payer system in the least efficient way possible, and it’s not clear how that stops.
↗The US will have “single payer” within 5 - 7 yearswriting.kunle.app
- 2 weeks earlier
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Their wordsIf you sell tokens, your incentive is to get people to use as many tokens as possible because that’s how you get paid. If you sell outcomes, your incentive is to be correct as cheaply as possible because that’s how you get paid.
- 11 days earlier
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Their wordsDownstream, any task that needs determinism and stability (and needs to be low cost) ultimately needs to be rolled to an open source or open weight model, and ultimately on a cloud you own or hardware you control.
↗The tokenmaxxing hangoverwriting.kunle.app 1st of 3 in this piece
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Their wordsWe think of routing today and evals as separate problems, but I believe that they’re really the same problem expressed in different ways. Model routing tools today optimize primarily for cost. They’re helping you pick the cheapest tool for the job.
↗The tokenmaxxing hangoverwriting.kunle.app 2nd of 3 in this piece
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Their wordsIt’s likely that Deepseek or Moonshot (or some other open weight lab) will launch a frontier model that meaningfully beats the closed source/US frontier labs on a material axis beyond cost. Stated differently, it is likely that in the next year, the leading model available to the public will be an open weight one, at least for a time.
↗The tokenmaxxing hangoverwriting.kunle.app 3rd of 3 in this piece
- 2 weeks earlier
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Their wordsThis was informed by my own experience with my throughput expanding at Substrate. In hindsight, I was thinking too narrowly: coding agents will replace the entire office “suite” for a large majority of white collar workers.
↗Coding agents will replace the office suitewriting.kunle.app 1st of 3 in this piece
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Their wordsIn the past, it took real skill to create a long document that was cogent and coherent. If you read something that was long and well written and cogent and coherent, you could kind of assume that the writer knew what they were talking about. Now you can’t.
↗Coding agents will replace the office suitewriting.kunle.app 2nd of 3 in this piece
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Their wordsSeat based pricing will get a second lease on life: much has been written about the demise of seat based pricing, but I just don’t see CFOs underwriting variable spend for tools that 100% of the company will use.
↗Coding agents will replace the office suitewriting.kunle.app 3rd of 3 in this piece
- 7 months earlier
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Their wordsI think being able to use a coding agent well will be similar to being able to use a spreadsheet well; horizontally required for all knowledge workers, to assist in the computation & analysis part of the job. Being good at it might not make you a 10x engineer, but will be a force multiplier vs. those who are not.
↗January 2025: Coding agents are for everyonewriting.kunle.app
- 5 months earlier
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Their wordsFor the largest companies in the world, stablecoins are mostly a minor improvement on working capital (especially given that in many currency pairs they are orders of magnitude less liquid than the corresponding fiat pair) [6]. In contrast, for consumers around the world, stablecoins solve a hair-on-fire problem.
↗August 2025: Stablecoins are not for Americans. They’re for everyone elsewriting.kunle.app