Skip to content
By using Twitter’s services you agree to our Cookies Use. We and our partners operate globally and use cookies, including for analytics, personalisation, and ads.

This is the legacy version of twitter.com. We will be shutting it down on June 1, 2020. Please switch to a supported browser, or disable the extension which masks your browser. You can see a list of supported browsers in our Help Center.

  • Home Home Home, current page.
  • About

Saved searches

  • Remove
  • In this conversation
    Verified accountProtected Tweets @
Suggested users
  • Verified accountProtected Tweets @
  • Verified accountProtected Tweets @
  • Language: English
    • Bahasa Indonesia
    • Bahasa Melayu
    • Català
    • Čeština
    • Dansk
    • Deutsch
    • English UK
    • Español
    • Filipino
    • Français
    • Hrvatski
    • Italiano
    • Magyar
    • Nederlands
    • Norsk
    • Polski
    • Português
    • Română
    • Slovenčina
    • Suomi
    • Svenska
    • Tiếng Việt
    • Türkçe
    • Ελληνικά
    • Български език
    • Русский
    • Српски
    • Українська мова
    • עִבְרִית
    • العربية
    • فارسی
    • मराठी
    • हिन्दी
    • বাংলা
    • ગુજરાતી
    • தமிழ்
    • ಕನ್ನಡ
    • ภาษาไทย
    • 한국어
    • 日本語
    • 简体中文
    • 繁體中文
  • Have an account? Log in
    Have an account?
    · Forgot password?

    New to Twitter?
    Sign up
patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

Tweets

Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

Tweets

  • © 2020 Twitter
  • About
  • Help Center
  • Terms
  • Privacy policy
  • Imprint
  • Cookies
  • Ads info
Dismiss
Previous
Next

Go to a person's profile

Saved searches

  • Remove
  • In this conversation
    Verified accountProtected Tweets @
Suggested users
  • Verified accountProtected Tweets @
  • Verified accountProtected Tweets @

Promote this Tweet

Block

  • Tweet with a location

    You can add location information to your Tweets, such as your city or precise location, from the web and via third-party applications. You always have the option to delete your Tweet location history. Learn more

    Your lists

    Create a new list


    Under 100 characters, optional

    Privacy

    Copy link to Tweet

    Embed this Tweet

    Embed this Video

    Add this Tweet to your website by copying the code below. Learn more

    Add this video to your website by copying the code below. Learn more

    Hmm, there was a problem reaching the server.

    By embedding Twitter content in your website or app, you are agreeing to the Twitter Developer Agreement and Developer Policy.

    Preview

    Why you're seeing this ad

    Log in to Twitter

    · Forgot password?
    Don't have an account? Sign up »

    Sign up for Twitter

    Not on Twitter? Sign up, tune into the things you care about, and get updates as they happen.

    Sign up
    Have an account? Log in »

    Two-way (sending and receiving) short codes:

    Country Code For customers of
    United States 40404 (any)
    Canada 21212 (any)
    United Kingdom 86444 Vodafone, Orange, 3, O2
    Brazil 40404 Nextel, TIM
    Haiti 40404 Digicel, Voila
    Ireland 51210 Vodafone, O2
    India 53000 Bharti Airtel, Videocon, Reliance
    Indonesia 89887 AXIS, 3, Telkomsel, Indosat, XL Axiata
    Italy 4880804 Wind
    3424486444 Vodafone
    » See SMS short codes for other countries

    Confirmation

     

    Welcome home!

    This timeline is where you’ll spend most of your time, getting instant updates about what matters to you.

    Tweets not working for you?

    Hover over the profile pic and click the Following button to unfollow any account.

    Say a lot with a little

    When you see a Tweet you love, tap the heart — it lets the person who wrote it know you shared the love.

    Spread the word

    The fastest way to share someone else’s Tweet with your followers is with a Retweet. Tap the icon to send it instantly.

    Join the conversation

    Add your thoughts about any Tweet with a Reply. Find a topic you’re passionate about, and jump right in.

    Learn the latest

    Get instant insight into what people are talking about now.

    Get more of what you love

    Follow more accounts to get instant updates about topics you care about.

    Find what's happening

    See the latest conversations about any topic instantly.

    Never miss a Moment

    Catch up instantly on the best stories happening as they unfold.

    Patrick McKenzie‏ @patio11 31 May 2015
    • Report Tweet
    • Report NetzDG Violation

    I have a funny feeling Transferwise is actually just subsidizing out of investor money rather than meaningfully decreasing costs via P2P.

    1:37 AM - 31 May 2015
    • 8 Likes
    • Alex Black Jay Bowles Justin Litchfield Sylvester 🚀 Space AI Innovation 🛰 Richard Burton Andy Waite Patrick Vlaskovits
    5 replies 0 retweets 8 likes
      1. New conversation
      2. Patrick McKenzie‏ @patio11 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        Still going to try it out because they're quoting USD/JPY rates roughly ~3% better than BoA and are, weirdly, guaranteeing them for 7 days.

        5 replies 0 retweets 3 likes
      3. Jordan Burgess‏ @jordnb 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        @patio11 http://freetransferwise.com  for a free first transfer 👍🏼

        1 reply 0 retweets 0 likes
      4. 1 more reply
      1. New conversation
      2. Dave O'Flynn‏ @daveoflynn 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        @patio11 I always assumed that they were just netting their dealflow and happy to take a smaller spread than the retail banks.

        1 reply 0 retweets 0 likes
      3. Patrick McKenzie‏ @patio11 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @daveoflynn

        @daveoflynn I'll buy the second, but you can't meaningfully net in most remittance corridors -- not enough PA->US or IN->US transfers.

        5 replies 0 retweets 0 likes
      4. 1 more reply
      1. SaveOnSend‏ @SaveOnSend 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        @patio11 depends on corridor, more P2P for GBP-EUR-AUR, little for top global corridors, see Myth #3https://www.saveonsend.com/blog/transferwise-money-transfer/ …

        0 replies 0 retweets 1 like
        Thanks. Twitter will use this to make your timeline better. Undo
        Undo
      1. New conversation
      2. Gergely Staying Home And That's All Imreh  🙈‏ @imrehg 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        .@patio11 paging @nilanp (two extremely smart people who should probably have a chat:)

        1 reply 0 retweets 0 likes
      3. Nilan  🇱🇰 නිලාන්‏ @nilanp 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @imrehg

        @imrehg @patio11 We’re sustainable, its crazy how much margin banks have been making on currency spreads.

        0 replies 0 retweets 0 likes
      4. End of conversation
      1. New conversation
      2. Jim Gray‏ @grayj_ 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        @patio11 Eh. Rates vary because factors, many of which are often "other action in the market." Sustainability is a limit effect, not local.

        1 reply 0 retweets 0 likes
      3. Jim Gray‏ @grayj_ 31 May 2015
        • Report Tweet
        • Report NetzDG Violation
        Replying to @grayj_

        @patio11 "Can they do this three years from now" doesn't greatly effect "what price can I get today" and "do I trust them not to screw me."

        1 reply 0 retweets 0 likes
      4. 2 more replies

    Loading seems to be taking a while.

    Twitter may be over capacity or experiencing a momentary hiccup. Try again or visit Twitter Status for more information.

      Promoted Tweet

      false

      • © 2020 Twitter
      • About
      • Help Center
      • Terms
      • Privacy policy
      • Imprint
      • Cookies
      • Ads info