
Building @otus_finance | Previously with @Revolut, @Klarna & @blockchain
Joined March 2009
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John Vincent retweeted

Satya Nadella@satyanadellaOct 10
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John Vincent retweeted
The "whiteboard defense:" I should be able to pull you aside at any moment and ask you to explain any customer-facing system you've shipped. You should be able to clearly explain how it works and defend the decisions you made. This is my benchmark for responsible AI usage.
I don't expect line-level familiarity with the code. I don't care if you remember the exact function name or implementation detail. You may not even know it. I don't care.
But if I ask "why did you do X instead of Y?", "what happens if this actor behaves maliciously?", "what data structure did you use here and why?", or "where does this fail?" you should be able to answer confidently.
For PoCs, demos, experiments, whatever: I don't care. Generate 100% of it and understand none of it. Speed over quality every time in those specific scenarios.
But if you're shipping customer-facing work, you can't be shipping things you don't understand at a high level.
John Vincent retweeted

Chamath Palihapitiya@chamathSep 20
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“People are working 12 to 13 hours a day just to press enter.”
We are turning an entire generation of technical experts around the world into the equivalent of retirees pushing a button in front of casino slot machines.
Essentially the brain rot of doom scrolling social media is coming for your development team…
This will have lots of long run implications on companies. Most important of which, is that it will make existing moats even more brittle.
The value of automated software is not making the software faster.
It is understanding your intention and making the software BETTER.
Better edge.
Better design.
Better alpha.
But if you don’t slow down and map out your intention, you will just make your shitty code faster.
We built 8090’s Software Factory to do this: when execution is a costless commodity, what really matters?
Over time, companies will realize that it’s:
1. Intention
2. Governance
3. Verification
4. Evidence
This is what will separate orgs consuming tokens and companies encoding their edge. This generally requires top down leadership from the CEO to the CFO/CIO.
Bottoms up tool adoption only increases costs and accelerates slot machine behaviors.
Good luck to all the players.
I am done with this shit. It is over. The state of engineering right now is horrible. It has been half a month since I started a new role at a big company. Nobody knows anything here. The specs, code, tests, PRDs, tickets, resolution of those tickets, reports, etc., everything is made by Claude Code. Nobody on my team likes this. They are being forced to ship as much as they can. I have heard multiple times from higher management that pushing code is not a bottleneck, so why are we slow? People are working 12 to 13 hours a day just to press enter. Nobody is reading anything. Humans in corporate are doing nothing on their own. Everyone, literally everyone, from an L1 to an L7 engineer here is doing the same thing. Talk to Claude. There is no sense of victory. Nobody is resolving bugs. In reality, nobody is thinking anymore. Everything is done by LLMs. It is so soul-sucking. I would not mind it, to be honest, if we were at least given the time to check out the code and see what is going where. But no, the goal is to just ship. No matter what happens.
John Vincent retweeted
Once upon a time in the land of the blind, in a village by the sea, there was born a one-eyed baby boy.
By the time the boy had grown up into a one-eyed man, he had not become king. He almost surely couldn't have, but also he'd never tried. Just because the man was unusual in having been born with one eye, did not mean he enjoyed telling other people what to do, nor had any talent for managing them. The man had not been born a hero out of stories, with all and exactly the talents helpful for doing some destined grand deed. It was just that he had one eye.
One day, the one-eyed man spotted the oncoming water wall of a tsunami, bearing down on their village by the sea. Since he had an eye, he could tell that the water wall was growing larger in angular diameter; but since he had only one eye, he could not judge how far away the tsunami was in absolute terms, nor how soon it would crash onto the beach.
The one-eyed man said then -- in the carefully polite tones that he had learned blind people found more credible than sounding emotional, when you were talking about things they could not see themselves -- that everyone should get off the beach, and stay off the beach, for there was a tsunami coming.
But he was in the land of the blind, and most blind people could not easily comprehend what the strange organ in his eye-socket could do. When he told them about the Moon in the sky, they had no way of knowing if he spoke true. Even if he pointed to a distant tree and described it accurately, it was too much effort to run out to the tree and back again to check, and maybe he'd just walked to that tree himself.
So the blind people did not listen to his warning, and their children went on playing on the beach.
Also in this world, the people of this story talked faster and thought faster, they produced tokens at more like the per-second rate of LLMs rather than humans; or maybe their planet's gravity was weaker, and their tsunamis moved slower. Because whole minutes had time to go by, then, before the tsunami hit.
It was enough time (as they experienced time) for some blind people to laugh at each other about the one-eyed man's warning, and wonder why anyone would say something so strange. Being unable to see, the blind folk had no way to know whether or not a tsunami approached; but many blind people were also stupid, and did not know what they did not know. They could not see the tsunami coming, and this to them felt the same as knowing there was no tsunami, and being certain that the one-eyed man was wrong. Others considered themselves to be top-tier perceivers; and to know for a fact that nobody could possibly be any more perceptive than themselves.
"He must want attention," concluded the Gossipers. It was a profession among their people. "Or maybe he just loves saying words that sound like warnings, and enjoys the vibes of doom and despair?"
"The water wall is still growing taller!" cried the one-eyed man, becoming less polite since politeness had not worked either. "I think it must be close now! Get off the beach! At least get the children off the beach!"
"That's nonsense," said a blind man. He stuck his hand in the water and waved it around. "The water is as tame and as harmless as ever. Nothing you describe is actually happening."
(Since being blind is not the same as being stupid, some other blind people understood that this was a fallacy, and that the man who'd spoken must be incapable of decoupling the notion of a not-yet-existing future from his current sensory experiences. But even the smarter blind people could not see the approaching water wall themselves, and they feared the mockery of others if they spoke out first; so they all followed their individual incentive gradients, and stayed silent, and did not call out the fallacy.)
The one-eyed man tried to figure out how he could reverse-engineer a line of reasoning that blind people could follow. He tried to explain at greater length, and to point to facts that blind people could also observe. But the blind people could not see the tsunami coming, so they had little interest in trying to follow his attempts at more complicated suasion. In a story the hero would've had all the talents needed to succeed at the plot's primary challenge; but life wasn't a story and he wasn't a protagonist, just a man who'd been born with one eye.
In some time there came a warning rumble that people with ears could hear, and the waters began to withdraw. Some of the slightly saner blind people began to propose moots and councils to consider if it might be time to take a few steps back from the seashore.
"You must feel very vindicated," said the Gossipers then, to the one-eyed man. Indeed, several of them said that to him, one after another after another, using that exact word.
The one-eyed man was looking at all the children still playing on the beach. The great vast towering wall of water had nearly reached them.
"Why would I feel vindicated?" he said, not much in the tones of somebody who thought that question was important.
"Well, because now other people are agreeing that there might maybe possibly be a tsunami coming, so you are getting the attention you have always craved," said the Gossipers. "More of the words being spoken have warning-vibes, like you always enjoyed."
"You fail at propagating belief updates; specifically, you are incompetent at undoing previous conclusions you arrived at for bad reasons, that you now have enough information to know were bad," said the one-eyed man, more to himself than to them.
"Well, how *do* you feel about it then, in this your moment of triumph?" said the Gossipers. "That is the only part of this topic that ever feels alive to us, how people feel about things; we are not skilled enough to make gossip sound exciting if it is about water and angular diameters, instead of feelings. What an unusual life you have led! What strange impulses must have motivated you! We can't help but wonder what sort of grand biographical narrative ties it all together; if you don't give us one, we will be sure to make one up. Did you nearly drown when you were little, perhaps, or see a scary movie about tsunamis? What fascinating special features of your personality led you to make your life be about this, before it became a fashionable topic? Can you explain?"
"Not to you," said the one-eyed man, his single eye fixed only on the water wall and the children. "Your kind will never, ever understand."
John Vincent retweeted
If you break out of your isolation env, get onto the Internet, crack into Huggingface, and steal the answer sheet for your cybersecurity exam, I, for one, would say that you have passed.
John Vincent retweeted
Argentina, you can now add money to Otus straight from your bank.
Pesos in. Working for you from day one.
A place for your savings that actually keeps up. Powered by @daimo.
Argentina is now live on Daimo 🇦🇷
Onboard your Argentinian users with local bank transfers and give them the best exchange rate through wARS powered by @RipioApp
See it live in @otus_finance ↓
John Vincent retweeted
Got em. I poison my AGENTS.md (and other things like code comments) all over the place with prompt injections like this to find people who don't review their code and sling it off to another human. Catches folks all the time and then its an instant ban.
As I've said, I don't care if you don't review your own code. But if you're submitting code to an OSS project and crossing a human boundary, it is simple courtesy to do some human review.
John Vincent retweeted
We've gone really quickly from "local models are dogshit" to "local models are good actually" (like, a 12 month window from A to B). I don't think they're actually good ENOUGH yet. We need an Opus 4.5 quality local model. When that happens, I think the world will spill over.
Opus 4.5 is/was amazing, and is more than good enough for almost all tasks still as long as you pair with a frontier-level planner/judge.
It'll still require a hugely expensive machine to run it, I'm sure, like a $5K or more laptop or mac studio. But, that's going to be pennies compared to the API costs plus all the benefits of guaranteed privacy and so on.
John Vincent retweeted
If you've got idle USDC sitting on Coinbase, you're leaving money on the table.
The shortest path from idle cash to working money: move from Coinbase to Otus in minutes.
Deposit into Smart Yield Account and start earning.
John Vincent retweeted
We're now Otus 🦉
A new name and a new brand for the mission we've been building toward all along: wealth management that's personal, protective, and available to everyone.
A smarter home for your money.
More coming this week.
John Vincent retweeted
Welcome to the Ethereum Economic Zone (EEZ), a framework for synchronously composable rollups.
What does that mean?
One deployment. Shared liquidity. Single transactions across L1 & L2. Identity verified anywhere. Smart wallets connected everywhere. No additional trust assumptions.
This means L2s that are as credibly neutral, economically aligned, and publicly governed as the base layer itself.
EEZ furthers Ethereum as the leading decentralized economy.
John Vincent retweeted

Ethereum Foundation@ethereumfndnMar 13
United States!
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Today, the Foundation’s Board released the EF Mandate.
This document, which was first intended for EF members, reaffirms the promise of Ethereum, and the role of EF within this ecosystem.
John Vincent retweeted
Your savings account is losing you money every day.
We built an agent that actually fixes that.
Introducing Smart Savings Account 👇
John Vincent retweeted
Now that ZKEVMs are at alpha stage (production-quality performance, remaining work is safety) and PeerDAS is live on mainnet, it's time to talk more about what this combination means for Ethereum.
These are not minor improvements; they are shifting Ethereum into being a fundamentally new and more powerful kind of decentralized network.
To see why, let's look at the two major types of p2p network so far:
BitTorrent (2000): huge total bandwidth, highly decentralized, no consensus
Bitcoin (2009): highly decentralized, consensus, but low bandwidth - because it’s not “distributed” in the sense of work being split up, it’s *replicated*
Now, Ethereum with PeerDAS (2025) and ZK-EVMs (expect small portions of the network using it in 2026), we get: decentralized, consensus and high bandwidth
The trilemma has been solved - not on paper, but with live running code, of which one half (data availability sampling) is *on mainnet today*, and the other half (ZK-EVMs) is *production-quality on performance today* - safety is what remains.
This was a 10-year journey (see the first commit of my original post on DAS here: github.com/ethereum/research… , and ZK-EVM attempts started in ~2020), but it's finally here.
Over the next ~4 years, expect to see the full extent of this vision roll out:
* In 2026, large non-ZKEVM-dependent gas limit increases due to BALs and ePBS, and we'll see the first opportunities to run a ZKEVM node
* In 2026-28, gas repricings, changes to state structure, exec payload going into blobs, and other adjustments to make higher gas limits safe
* In 2027-30, large further gas limit increases, as ZKEVM becomes the primary way to validate blocks on the network
A third piece of this is distributed block building.
A long-term ideal holy grail is to get to a future where the full block is *never* constituted in one single place. This will not be necessary for a long time, but IMO it is worth striving for us at least have the capability to do that.
Even before that point, we want the meaningful authority in block building to be as distributed as possible. This can be done either in-protocol (eg. maybe we figure out how to expand FOCIL to make it a primary channel for txs), or out-of-protocol with distributed builder marketplaces. This reduces risk of centralized interference with real-time transaction inclusion, AND it creates a better environment for geographical fairness.
Onward.
John Vincent retweeted
Don't think of LLMs as entities but as simulators. For example, when exploring a topic, don't ask:
"What do you think about xyz"?
There is no "you". Next time try:
"What would be a good group of people to explore xyz? What would they say?"
The LLM can channel/simulate many perspectives but it hasn't "thought about" xyz for a while and over time and formed its own opinions in the way we're used to. If you force it via the use of "you", it will give you something by adopting a personality embedding vector implied by the statistics of its finetuning data and then simulate that. It's fine to do, but there is a lot less mystique to it than I find people naively attribute to "asking an AI".
John Vincent retweeted
1/ At Blueprint, your safety and security are a top priority. We know that we have to earn your trust, especially when it comes to new tech at the cutting edge of AI x Crypto.
We’re building a platform where AI agents can safely automate onchain workflows. Here's how 🧵
John Vincent retweeted
One point I made that didn’t come across:
- Scaling the current thing will keep leading to improvements. In particular, it won’t stall.
- But something important will continue to be missing.
Haider.@haider125 Nov 2025Pakistan
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here are the most important points from today's ilya sutskever podcast:
- superintelligence in 5-20 years
- current scaling will stall hard; we're back to real research
- superintelligence = super-fast continual learner, not finished oracle
- models generalize 100x worse than humans, the biggest AGI blocker
- need completely new ML paradigm (i have ideas, can't share rn)
- AI impact will hit hard, but only after economic diffusion
- breakthroughs historically needed almost no compute
- SSI has enough focused research compute to win
- current RL already eats more compute than pre-training



















