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🙂 Hey - have you heard of @RevolutApp Business before?
🌐 Great international transfer and 🏦 foreign #exchange rates, and various tools to manage your #business.
👉 https://t.co/dkuBrYrfMq
#banking #fintech #revolut #growth #startups
1/10
One place to manage all things business
Get more from your business account with powerful tools that give you total control over your finances.
👉 https://t.co/dkuBrYrfMq
2/10
Accept payments
online at great rates
Receive card payments from around the world with low fees and next-day settlement.
👉 https://t.co/dkuBrYrfMq
3/10
Send and receive international payments, with no hidden fees
Multi-currency accounts allow you to hold, exchange, send and receive funds in 28+ currencies - always at the real (interbank) exchange rate...
👉 https://t.co/dkuBrYrfMq
4/10
Optimise spend with smart company cards
Spend in over 150 currencies at the real (interbank) exchange rate
Stay in control – issue physical and virtual cards, track spending in real-time for your entire team...
👉 https://t.co/dkuBrYrfMq
5/10
🌐 Great international transfer and 🏦 foreign #exchange rates, and various tools to manage your #business.
👉 https://t.co/dkuBrYrfMq
#banking #fintech #revolut #growth #startups
1/10

One place to manage all things business
Get more from your business account with powerful tools that give you total control over your finances.
👉 https://t.co/dkuBrYrfMq
2/10

Accept payments
online at great rates
Receive card payments from around the world with low fees and next-day settlement.
👉 https://t.co/dkuBrYrfMq
3/10

Send and receive international payments, with no hidden fees
Multi-currency accounts allow you to hold, exchange, send and receive funds in 28+ currencies - always at the real (interbank) exchange rate...
👉 https://t.co/dkuBrYrfMq
4/10

Optimise spend with smart company cards
Spend in over 150 currencies at the real (interbank) exchange rate
Stay in control – issue physical and virtual cards, track spending in real-time for your entire team...
👉 https://t.co/dkuBrYrfMq
5/10

1/ *Centralized* apps building atop decentralized protocols may be the winning combination, each furthering the adoption of the other.
2/ As many have pointed out, “decentralize all the things” is a mistake. Decentralize the things that benefit from decentralization.
3/ Starting with centralized apps (think @coinbase @circlepay etc), if you’ve been paying attention, they are utilizing an increasing amount of decentralized protocols & open-source crypto infrastructure, to the benefit of their end users.
4/ The realization this week that @coinbase and @circlepay built their #stablecoin on top of @zeppelin_os was another tick in this trend. https://t.co/rpgyQJ8Sdo
5/ Centralized #crypto apps that build upon decentralized protocols have:
-Global capabilities from day one
-Lower costs due to the on-demand and perfect-competition nature of protocol services
-More rapid innovation as they build upon others’ open source building blocks.
2/ As many have pointed out, “decentralize all the things” is a mistake. Decentralize the things that benefit from decentralization.
3/ Starting with centralized apps (think @coinbase @circlepay etc), if you’ve been paying attention, they are utilizing an increasing amount of decentralized protocols & open-source crypto infrastructure, to the benefit of their end users.
4/ The realization this week that @coinbase and @circlepay built their #stablecoin on top of @zeppelin_os was another tick in this trend. https://t.co/rpgyQJ8Sdo

5/ Centralized #crypto apps that build upon decentralized protocols have:
-Global capabilities from day one
-Lower costs due to the on-demand and perfect-competition nature of protocol services
-More rapid innovation as they build upon others’ open source building blocks.
The 12 most important pieces of information and concepts I wish I knew about equity, as a software engineer.
A thread.
1. Equity is something Big Tech and high-growth companies award to software engineers at all levels. The more senior you are, the bigger the ratio can be:
2. Vesting, cliffs, refreshers, and sign-on clawbacks.
If you get awarded equity, you'll want to understand vesting and cliffs. A 1-year cliff is pretty common in most places that award equity.
Read more in this blog post I wrote: https://t.co/WxQ9pQh2mY
3. Stock options / ESOPs.
The most common form of equity compensation at early-stage startups that are high-growth.
And there are *so* many pitfalls you'll want to be aware of. You need to do your research on this: I can't do justice in a tweet.
https://t.co/cudLn3ngqi
4. RSUs (Restricted Stock Units)
A common form of equity compensation for publicly traded companies and Big Tech. One of the easier types of equity to understand: https://t.co/a5xU1H9IHP
5. Double-trigger RSUs. Typically RSUs for pre-IPO companies. I got these at Uber.
6. ESPP: a (typically) amazing employee perk at publicly traded companies. There's always risk, but this plan can typically offer good upsides.
7. Phantom shares. An interesting setup similar to RSUs... but you don't own stocks. Not frequent, but e.g. Adyen goes with this plan.
A thread.
1. Equity is something Big Tech and high-growth companies award to software engineers at all levels. The more senior you are, the bigger the ratio can be:

2. Vesting, cliffs, refreshers, and sign-on clawbacks.
If you get awarded equity, you'll want to understand vesting and cliffs. A 1-year cliff is pretty common in most places that award equity.
Read more in this blog post I wrote: https://t.co/WxQ9pQh2mY

3. Stock options / ESOPs.
The most common form of equity compensation at early-stage startups that are high-growth.
And there are *so* many pitfalls you'll want to be aware of. You need to do your research on this: I can't do justice in a tweet.
https://t.co/cudLn3ngqi

4. RSUs (Restricted Stock Units)
A common form of equity compensation for publicly traded companies and Big Tech. One of the easier types of equity to understand: https://t.co/a5xU1H9IHP
5. Double-trigger RSUs. Typically RSUs for pre-IPO companies. I got these at Uber.

6. ESPP: a (typically) amazing employee perk at publicly traded companies. There's always risk, but this plan can typically offer good upsides.
7. Phantom shares. An interesting setup similar to RSUs... but you don't own stocks. Not frequent, but e.g. Adyen goes with this plan.

Are you a web developer?
Here's a list of websites that offer free & beautiful website templates:
🧵👇🏻
1. HTML5UP: Very modern, unique responsive HTML5/CSS3 themes
https://t.co/VmAFs2xEUO
2. Templatemo: Minimal, resume, gallery themes and more
https://t.co/hCVsSqg3dx
3. Templated .co: Tons of minimalistic HTML5/CSS3
4. FreeHTML5: Free & premium HTML5 and Bootstrap themes
https://t.co/HqCj21RVry
5. StyleShout: Brilliantly crafted free website templates
https://t.co/AeNAAvmiYx
6. Start Bootstrap: Bootstrap starter
7. Zerotheme: HTML5, Bootstrap, Prestashop templates
https://t.co/WZtbW1gZzv
8. HTML5xCSS3: Collection of wonderful templates in different categories
https://t.co/g47dzRhSnW
9. Colorlib: Almost any category of theme you can think
10: Free CSS: Huge collection of free templates
https://t.co/JzQgKmBBGJ
11. Hubspot: Templates, infographics, banners and much more
https://t.co/T2jAlXYH8E
12. Mobirise: Great looking HTML5/CSS3
Here's a list of websites that offer free & beautiful website templates:
🧵👇🏻
1. HTML5UP: Very modern, unique responsive HTML5/CSS3 themes
https://t.co/VmAFs2xEUO
2. Templatemo: Minimal, resume, gallery themes and more
https://t.co/hCVsSqg3dx
3. Templated .co: Tons of minimalistic HTML5/CSS3
4. FreeHTML5: Free & premium HTML5 and Bootstrap themes
https://t.co/HqCj21RVry
5. StyleShout: Brilliantly crafted free website templates
https://t.co/AeNAAvmiYx
6. Start Bootstrap: Bootstrap starter
7. Zerotheme: HTML5, Bootstrap, Prestashop templates
https://t.co/WZtbW1gZzv
8. HTML5xCSS3: Collection of wonderful templates in different categories
https://t.co/g47dzRhSnW
9. Colorlib: Almost any category of theme you can think
10: Free CSS: Huge collection of free templates
https://t.co/JzQgKmBBGJ
11. Hubspot: Templates, infographics, banners and much more
https://t.co/T2jAlXYH8E
12. Mobirise: Great looking HTML5/CSS3