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karim atiyeh

T2 · manager / operator
6 calls·6 names·50% bull·last heard 10 months ago·Invest Like The Best
track record

no scored calls yet — needs a stated position or a categorical verdict, with a matured window vs SPY

top calls

highest conviction · one per company
1sthigh conviction
$MXMXposition

Ramp beat MX by obsessing consumer-grade UX in B2B, not just brand

MX had a strong brand but poor user experience; Ramp won by designing for every employee (not just decision-makers), minimizing time in app, and automating receipt matching — turning B2B software into consumer-grade product.

Invest Like The Best2025-10→
2ndhigh conviction
$RAMPRampposition

Ramp shifts from card-centric to AI-driven finance automation platform

Ramp's core insight is that card spend plateaus for complex businesses, so they expanded into AP automation, accounting automation, and procurement workflows to capture value via SaaS revenue while using AI agents to minimize time waste across all finance operations.

Invest Like The Best2025-10→
3rdhigh conviction
$VVisa

Visa/Mastercard network effects remain durable; stablecoins may disrupt agent-mediated payments not consumer

Visa/Mastercard's network effects are too strong to beat at their own game; stablecoins offer faster/cheaper settlement but consumers don't care about rails — disruption only comes when AI agents make payment decisions optimizing for cost/speed over rewards.

Invest Like The Best2025-10→

most discussed · click a bar to filter

recurring themes

6 total
$MX
MX
HIGHkarim atiyeh·Invest Like The Best·10 months ago· position
Ramp beat MX by obsessing consumer-grade UX in B2B, not just brand
MX had a strong brand but poor user experience; Ramp won by designing for every employee (not just decision-makers), minimizing time in app, and automating receipt matching — turning B2B software into consumer-grade product.
"I agree with you, right? Like they they still have a really good brand. Uh but at the time like that that that's all they had. I mean that still all they have is like they they ha…"
43:00
$RAMP
Ramp
HIGHkarim atiyeh·Invest Like The Best·10 months ago· position
Ramp shifts from card-centric to AI-driven finance automation platform
Ramp's core insight is that card spend plateaus for complex businesses, so they expanded into AP automation, accounting automation, and procurement workflows to capture value via SaaS revenue while using AI agents to minimize time waste across all finance operations.
"So if you look at the if you like try to visualize what does like card spend look at in a business as a let's say on one dimension you have card spend on the other dimension you h…"
59:00
$COF
···
Capital One
MEDkarim atiyeh·Invest Like The Best·10 months ago
Capital One partnership revealed credit card model: align revenue with customer utility
Capital One's card business model — where revenue scales directly with customer usage without contracts — taught Ramp that the best fintech model aligns incentives: make the product so useful customers use it more, and you earn more without pushing spend.
"And it was fascinating to see that product that you essentially in the card business they essentially put in the hand of customers. There's no uh contract that anyone needs to sig…"
39:00
$V
···
Visa
HIGHkarim atiyeh·Invest Like The Best·10 months ago
Visa/Mastercard network effects remain durable; stablecoins may disrupt agent-mediated payments not consumer
Visa/Mastercard's network effects are too strong to beat at their own game; stablecoins offer faster/cheaper settlement but consumers don't care about rails — disruption only comes when AI agents make payment decisions optimizing for cost/speed over rewards.
"the worst idea you could have had for the last 50 years is try to beat Visa at its own game. Like it's network effects too strong... if you believe in a world where the individual…"
91:00
$AMZN
···
Amazon
MEDkarim atiyeh·Invest Like The Best·10 months ago
Amazon retail actively obstructs data access while AWS supports builders
Amazon's retail division made receipt access harder over time (removing itemized emails) to block price-tracking services like Parabus, while AWS architects simultaneously helped Parabus build securely on their infrastructure — showing internal misalignment.
"When we started building Parabus around that time, Amazon still used to send receipts... you now get a link that says like, 'Thanks for shopping at Amazon. If you would like to se…"
34:00
$MA
···
Mastercard
HIGHkarim atiyeh·Invest Like The Best·10 months ago
Mastercard shares Visa's durable network effects; stablecoin disruption path is agent-mediated
Same structural moat as Visa; stablecoins could matter when AI agents optimize payment rails for cost/speed rather than consumer rewards, but consumer-facing disruption is unlikely.
"the worst idea you could have had for the last 50 years is try to beat Visa at its own game. Like it's network effects too strong... if you believe in a world where the individual…"
91:00