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paulo

T3 · host / generalist
2 calls·2 names·100% bull·last heard 9 months ago·a16z
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
$MODERNIFYModernifyposition

a16z-backed Modernify builds deposit network to solve uninsured deposits for community banks

Modernify's reciprocal deposit network lets community banks and credit unions offer unlimited FDIC insurance via a digital, integrated platform with better economics and a bank-owned coalition model, solving the cold-start problem that left SVB with 94% uninsured deposits despite being a network member.

a16z2025-11→
2ndhigh conviction
$ENVIDEnvidposition

Modernify launches bank-owned Envid consortium targeting 8th systemically important financial market utility

Envid is a bank-owned, bank-managed reciprocal deposit consortium that gives member banks ownership, governance, better economics, and revenue share — modeled on Visa, DTCC, and Swift — aiming to become the eighth US systemically important financial market utility.

a16z2025-11→

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recurring themes

2 total
$MODERNIFY
Modernify
HIGHpaulo·a16z·9 months ago· position
a16z-backed Modernify builds deposit network to solve uninsured deposits for community banks
Modernify's reciprocal deposit network lets community banks and credit unions offer unlimited FDIC insurance via a digital, integrated platform with better economics and a bank-owned coalition model, solving the cold-start problem that left SVB with 94% uninsured deposits despite being a network member.
"Modernify helps financial institutions grow. That's the mission. We're talking about the importance of these institutions regardless of size, regardless of location. And our manda…"
13:01
$ENVID
Envid
HIGHpaulo·a16z·9 months ago· position
Modernify launches bank-owned Envid consortium targeting 8th systemically important financial market utility
Envid is a bank-owned, bank-managed reciprocal deposit consortium that gives member banks ownership, governance, better economics, and revenue share — modeled on Visa, DTCC, and Swift — aiming to become the eighth US systemically important financial market utility.
"Envid is a bank-owned, bank managed consortium that core does the deposit network for banks. And what has been so nice about that is, you know, we were talking about these these t…"
36:33