Dimitri Dadiomov
@dadiomov
Cofounder & President of @ModernTreasury (YC S18). Views are my own. Some are not even views. Some are just tweets.
4.1K Following 17.6K Followers
Joining @gustrigos from @runtm_ai to chat AI agents in payments in NYC tomorrow - there's a couple of spots open if you're interested:
Hosting a dinner with fintech founders and execs in NYC tomorrow.
@dadiomov (@ModernTreasury) and I (@runtm_ai) will talk about running AI agents in payments and risk operations, moderated by Max Cantor (Orrick).
Then a fine dining multi-course dinner.
We have a couple of seats left. Apply in the comments:
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Saying software is dead because anyone can build it is like saying photography is dead now that everyone in the world has a camera in their pocket
Not only is it not dead it's the beginning of the Kodak Brownie moment for software, and we will see an absolute explosion of it
It will be the first generation for who building software will feel no different than using it. This is crazy!
The quality and bar of what we expect from our everyday apps will be raised dramatically, we'll have personal software, we'll have disposable software, and agents will be the foundation for most of it
Tech has always been chaotic and evolving, the people who have been able to adapt and move in front of new opportunities have always excelled, this is nothing new, I'm seeing it now and we'll see it 10 years from now
Find the opportunities in the chaose and disruption, there are countless of them
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Congratulations to Robert E. Hall, winner of the 2026 Nobel Memorial Prize in Economic Sciences. The professor emeritus of economics and @HooverInst senior fellow emeritus shares the prize with Michael Woodford for developing macroeconomic models built on how households and businesses actually make decisions. Those models have helped governments and central banks time their policies to soften economic shocks.
📸: Patrick Beaudouin
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finished East of Eden.
such a great read, it might be the most multi-layered story I’ve ever read, and yet it stays simple and interesting enough to read the entire time.
Respect.
Promise made. Promise kept.
By tomorrow, 25 million American children will have our gift of $250 in their accounts.
$6.25 billion. Invested in kids. Compounding for decades.
If you have a child under 18, claim their account and see how much is in there now.
$250 is only the beginning. 🇺🇸
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It’s feeling really magical inside of Shopify right now. It’s clearly the greatest time in the history of tech industry right now. I hope it feels similar everywhere else.
Talked to someone recently who knows a lot about defense tech, and he made an interesting point: the test of most military hardware right now is whether the Ukrainians want it. They have a hot war going against a determined opponent, and they know what works.
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I can’t believe SF tech week is a thing. Go home SF tourists you’re drunk.
It’s like a DC politics week.
Houston oil week.
Napa wine week.
Not a thing.
Berlin tonight.
(c) picture alliance/dpa
Three years ago today, Hamas terrorists tortured, mutilated, and murdered 1,200 innocent civilians in Israel.
Among those slain were men, women, and children — including dozens of Americans.
We will never forget this act of barbarism against an ally and recommit ourselves to the defense of civilization.
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Big milestone for @ModernTreasury: we just filed with the OCC to establish Modern Treasury National Trust Bank. More below.
1/6 We submitted our application to the OCC to establish Modern Treasury National Trust Bank. If approved and authorized to open, the bank would add federally supervised digital asset custody and related fiat services to @ModernTreasury.
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Congratulations to Karl Deisseroth, winner of the 2026 Nobel Prize in physiology or medicine. The @StanfordMed & @StanfordEng professor of bioengineering and of psychiatry and behavioral sciences is a pioneering developer of optogenetics, a technique that uses light to control the behavior of cells.
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Amazing read.
What struck me is just how much of the Manhattan Project was things Oppenheimer wanted to do, that no one else would do the same way. It’s the founder privilege, in a sense. From his teens, he was really into New Mexico - he wrote in his 20s, “My two great loves are physics and New Mexico. It’s a pity they can’t be combined.”
But they could be! Los Alamos came to be located where Los Alamos is because Oppenheimer wanted to do physics in New Mexico. Wild.
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There were a lot of things that only worked because there's a limit to the rate at which humans can operate. We're about to find out what all of them are, as they break.
Talked to a Stanford prof last night who told me that AI has led to students all acing all the homeworks, never showing up to office hours, and then failing the final exams in-person.
So in response the department is changing the TA's purpose, by eliminating office hours and requiring students meet with TAs 1:1 and walking them through each coding assignment to demonstrate they actually understand what's going on in the code.
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.@ycombinator keeps getting better and better
I’m joining @ycombinator as a General Partner.
YC is a homecoming for every GP. All of us were previously YC founders, and lived the journey that we support founders through every day. Our alma mater taught us the lessons that we pass on.
My founder path was infinitely harder than I thought it would be. We hit incredible highs and brutal lows. We came within a few months of zero runway. The YC mantras kept me going: make something people want, and don’t die. Over the course of my companies, we touched thousands of lives: employing people in almost every US state (Alaska still evades me!), and teaching STEM to students from every walk of life.
Now, I’ve had the privilege of working with founders who are tackling some of the hardest problems today, including defense, space, energy, and manufacturing. We’re also entering an era of diffusing AI across businesses of all sizes, and founders are bringing these tools into their old workplaces and new customers to make work better.
Finally, I’m particularly interested in our work at YC to partner closely with the government to make sure technology serves everyone. Our Startup Industrial Base conference yesterday was the start of this, with more to come. Founders are the backbone of American innovation and core to the future of our country and economy.
Thank you to the YC partnership for believing in me, and the YC founders for trusting me.
There’s never been a better time to make something people want.
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Congrats to @sahillp @vineetgoel92 and the rest of the team - been super fun to problem solve and build payment ops alongside you from the earliest days of @ParafinHQ!
We are excited to share that Parafin is joining Stripe.
Read the announcement from Sahill and Vineet:
It all started with an air bed and breakfast
Today we’re launching a single front door to the federal government.
Instead of opening a bunch of tabs across different agency sites and trying to figure out which information actually matters to you, you can ask America a question and get the relevant answer from across 29,000+ official government websites, with the source and what to do next.
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What struck me about this photo is that Trump and Xi invited to their dinner table: an immigrant from South Africa, two Taiwanese immigrants that came to the US as children, and a gay kid from Alabama, all of whom moved to Silicon Valley to make a dent in the universe.
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Loved Anthropic’s new Fiction and the Future event put on by @jackclarkSF with novelist Robin Sloan. We live in the weirdest time, and fiction can help us understand it.
I’m so amused by the fact that everything we say about the future is, in a very real sense going into the next model. Writing about a wonderful future is pre-training for our future, which can be wonderful. So is writing about a lame future. And so is writing about a scary future.
Use this information wisely: the stories we tell about the models quite literally go into the next models.
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