Upgrade

Rex Salisbury

@rexsalisbury

Only consumer fintech to figure out lending at scale is -- @UpgradeCredit Will originate $10 billion this year to their 5+ million customers. Don't think enough people are aware of what they are up to. Sat down recently w/ Renaud Laplanche. One of the OGs in Fintech (previously founded LendingClub). Talked about why he started @UpgradeCredit and why lending is a great business if you create a true multi-product relationship w/ your customers. you can watch full interview here: https://t.co/FLiUiyQuEI

MichCapCon

@MichCapCon

Michigan welfare fraud doubled from 2023-2024. Criminals loot $254-million food fund while state fails to upgrade card security.

Stephen Deng

@mrstephendeng

It's funny how much this mirrors the disruption sequencing we are seeing in African fintech re: stablecoins. There's clear alignment to upgrade card settlement now: lower USD prefund, 24/7 settlement, no threat to local currency, etc. Everyone's spinning up stablecoin cards as well. But then the auth/clearing layer will come into contention in a region where cards are not entrenched and wallet-wallet options are exploding. Yes, major barriers re: dollarization and big ticket local offramp, but feels like a wave of disruption pushing hard against a wall of regulatory reluctance that's gradually crumbling. I don't think any of the current 'leaders' are safe.

Nhung🐰

@H_Nhungg96

GN All waitlisted users can use Earn in @useTria now. The playbook I’m testing: 1) Park USDC in Earn for ~8% base APY, withdrawable anytime 2) Upgrade card tier (Virtual/Signature/Premium) for +0.5% / +1% / +2% APY boost 3) Spend on the card to trigger the IRL mission paying 1,000 weekly and rack XP from yield activity Stables moved off @superformxyz so the flow is native. If travel booking lands next, U want my Earn to cover floghts. Anyone see boosys apply instantly after KYC?

Isra

@israfill

just checked my @useTria account and im sitting at 13056 XP with a 4x multiplier Season 1 is live and the mechanics actually make sense for once heres how it works: you earn XP from 4 things - card spend (main one), card booking, referrals, and basic onboarding stuff but the multiplier is where it gets interesting... everyone starts at 1x base. then: -virtual card adds +1x -plastic card adds +2x -metal card adds +3x (what i got) -every referral that completes KYC adds another +1x so if you spend $100 with my 4x multiplier, thats 400 XP and someone with 10x from referrals? same $100 = 1,000 XP the referral system is actually unlimited so you can stack multipliers forever XP pushes you through levels 1-10 fast, then into prestige tiers: Jacks Circle → Queens Guard → Kings Court → Ace Society your final tier when season ends (jan 2026) determines your reward share basically: to climb faster you have to spend more, refer more and upgrade card Season 1 already counting your activity from launch so if youve been using tria youre already in from my side if youre already deep in tria, stack what you can best of luck my frens

Trevor Heslop

@trevhesinvests

🚨JUST IN🚨 $PGY ANNOUNCED AN EXPANSION OF ITS LONG-TERM PARTNERSHIP WITH UPGRADE, INC., INTO ITS BNPL SOLUTION Upgrade is a fintech company providing affordable and responsible credit, mobile banking and payment products to mainstream consumers Upgrade's Flex Pay is a trusted payment method for thousands of the world's leading brands in the travel merchant segment Upgrade has delivered over $47B in credit to over 7.8M customers since its inception in 2017 Is this why Gal bought shares last week?

Renaud Laplanche

Co-founder & CEO

Co-founder and CEO of Upgrade; previously founded and led peer-to-peer lending pioneer LendingClub.

Former CEO and Founder of Best Egg; joined Upgrade to oversee personal lending and operational efficiency as COO.