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korrents.com
Current US health-care trends lead to a single-payer system, reached in the least efficient way possible.Their words
I don’t often like to extrapolate trends in a straight line but extrapolating these trends to their logical conclusion basically gets America to a single-payer system in the least efficient way possible, and it’s not clear how that stops.
Ayo Omojola
Product leader and investor: co-created the Cash Card at Square's Cash App, was chief product officer at Carbon Health, founded Refract Ventures, and is building the healthcare payments company Substrate Intelligence; writes the newsletter Kunle.app.
Ayo Omojola did not write this page. ppll compiled it from their own words, each linked to the source. Is this you? · Report a mistake
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What they believe
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Current US health-care trends lead to a single-payer system, reached in the least efficient way possible.
I don’t often like to extrapolate trends in a straight line but extrapolating these trends to their logical conclusion basically gets America to a single-payer system in the least efficient way possible, and it’s not clear how that stops.
writing.kunle.appSaid 29 Sept 2026This on korrents
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AI companies that sell tokens and those that sell outcomes have opposed incentives.
If you sell tokens, your incentive is to get people to use as many tokens as possible because that’s how you get paid. If you sell outcomes, your incentive is to be correct as cheaply as possible because that’s how you get paid.
writing.kunle.appSaid 13 Sept 2026This on korrents
The bold line is korrents’ wording; the quote is theirs. These 2: what they wrote before what they said aloud, one per source, newest first.
Feed
As its own page →Hiding
29 September
13 September
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Their words
If you sell tokens, your incentive is to get people to use as many tokens as possible because that’s how you get paid. If you sell outcomes, your incentive is to be correct as cheaply as possible because that’s how you get paid.
2 September
From one piece The tokenmaxxing hangover 3 beliefs · writing.kunle.app
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korrents.com
Within a year the leading AI model available to the public will likely be an open-weight one, at least for a time.Their words
It’s likely that Deepseek or Moonshot (or some other open weight lab) will launch a frontier model that meaningfully beats the closed source/US frontier labs on a material axis beyond cost. Stated differently, it is likely that in the next year, the leading model available to the public will be an open weight one, at least for a time.
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Their words
We think of routing today and evals as separate problems, but I believe that they’re really the same problem expressed in different ways. Model routing tools today optimize primarily for cost. They’re helping you pick the cheapest tool for the job.
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korrents.com
Tasks that need determinism, stability and low cost should run on open-weight models on infrastructure you control.Their words
Downstream, any task that needs determinism and stability (and needs to be low cost) ultimately needs to be rolled to an open source or open weight model, and ultimately on a cloud you own or hardware you control.
16 August
From one piece Coding agents will replace the office suite 3 beliefs · writing.kunle.app
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korrents.com
Seat-based pricing will get a second life because CFOs won't underwrite variable spend on tools everyone uses.Their words
Seat based pricing will get a second lease on life: much has been written about the demise of seat based pricing, but I just don’t see CFOs underwriting variable spend for tools that 100% of the company will use.
Coding agents will replace the office suitewriting.kunle.app
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Their words
In the past, it took real skill to create a long document that was cogent and coherent. If you read something that was long and well written and cogent and coherent, you could kind of assume that the writer knew what they were talking about. Now you can’t.
Coding agents will replace the office suitewriting.kunle.app
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Their words
This was informed by my own experience with my throughput expanding at Substrate. In hindsight, I was thinking too narrowly: coding agents will replace the entire office “suite” for a large majority of white collar workers.
Coding agents will replace the office suitewriting.kunle.app
19 April
8 March
25 January
18 January
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korrents.com
Using a coding agent well will become a skill every knowledge worker needs, like using a spreadsheet.Their words
I think being able to use a coding agent well will be similar to being able to use a spreadsheet well; horizontally required for all knowledge workers, to assist in the computation & analysis part of the job. Being good at it might not make you a 10x engineer, but will be a force multiplier vs. those who are not.
January 2025: Coding agents are for everyonewriting.kunle.app
5 January
7 November 2025
21 August 2025
6 August 2025
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Their words
For the largest companies in the world, stablecoins are mostly a minor improvement on working capital (especially given that in many currency pairs they are orders of magnitude less liquid than the corresponding fiat pair) [6]. In contrast, for consumers around the world, stablecoins solve a hair-on-fire problem.
1 August 2025
25 June 2025
20 June 2025
Nothing matches.
Beliefs
Korrents What they believe 10 beliefs — each backed by an exact quote.
Each is a — compiled by korrents.com, not by them: the one-line wordings are korrents', the quotes are theirs.
Recent
Current US health-care trends lead to a single-payer system, reached in the least efficient way possible.
I don’t often like to extrapolate trends in a straight line but extrapolating these trends to their logical conclusion basically gets America to a single-payer system in the least efficient way possible, and it’s not clear how that stops.
The US will have “single payer” within 5 - 7 years Said 29 Sept 2026
AI companies that sell tokens and those that sell outcomes have opposed incentives.
If you sell tokens, your incentive is to get people to use as many tokens as possible because that’s how you get paid. If you sell outcomes, your incentive is to be correct as cheaply as possible because that’s how you get paid.
Tokens vs. outcomes Said 13 Sept 2026
Tasks that need determinism, stability and low cost should run on open-weight models on infrastructure you control.
Downstream, any task that needs determinism and stability (and needs to be low cost) ultimately needs to be rolled to an open source or open weight model, and ultimately on a cloud you own or hardware you control.
The tokenmaxxing hangover Said 2 Sept 2026
Show 7 more
AI model routing and evals are the same problem expressed in different ways.
We think of routing today and evals as separate problems, but I believe that they’re really the same problem expressed in different ways. Model routing tools today optimize primarily for cost. They’re helping you pick the cheapest tool for the job.
The tokenmaxxing hangover Said 2 Sept 2026
Within a year the leading AI model available to the public will likely be an open-weight one, at least for a time.
It’s likely that Deepseek or Moonshot (or some other open weight lab) will launch a frontier model that meaningfully beats the closed source/US frontier labs on a material axis beyond cost. Stated differently, it is likely that in the next year, the leading model available to the public will be an open weight one, at least for a time.
The tokenmaxxing hangover Said 2 Sept 2026
Coding agents will replace the office suite for most white-collar workers.
This was informed by my own experience with my throughput expanding at Substrate. In hindsight, I was thinking too narrowly: coding agents will replace the entire office “suite” for a large majority of white collar workers.
Coding agents will replace the office suite Said 16 Aug 2026
A long, well-written document no longer signals that its author knows the subject.
In the past, it took real skill to create a long document that was cogent and coherent. If you read something that was long and well written and cogent and coherent, you could kind of assume that the writer knew what they were talking about. Now you can’t.
Coding agents will replace the office suite Said 16 Aug 2026
Seat-based pricing will get a second life because CFOs won't underwrite variable spend on tools everyone uses.
Seat based pricing will get a second lease on life: much has been written about the demise of seat based pricing, but I just don’t see CFOs underwriting variable spend for tools that 100% of the company will use.
Coding agents will replace the office suite Said 16 Aug 2026
Using a coding agent well will become a skill every knowledge worker needs, like using a spreadsheet.
I think being able to use a coding agent well will be similar to being able to use a spreadsheet well; horizontally required for all knowledge workers, to assist in the computation & analysis part of the job. Being good at it might not make you a 10x engineer, but will be a force multiplier vs. those who are not.
January 2025: Coding agents are for everyone Said 18 Jan 2026
Stablecoins are a minor improvement for large companies but solve a hair-on-fire problem for consumers outside the US.
For the largest companies in the world, stablecoins are mostly a minor improvement on working capital (especially given that in many currency pairs they are orders of magnitude less liquid than the corresponding fiat pair) [6]. In contrast, for consumers around the world, stablecoins solve a hair-on-fire problem.
August 2025: Stablecoins are not for Americans. They’re for everyone else Said 6 Aug 2025
What is a korrent?
A korrent is a belief a person has stated in their own words: one sentence stating the claim, backed by a quote and a source, kept at korrents.com.
Under a name here, the quoted block is what they actually said. The korrent beneath it is the claim those words support, in korrents' wording — tap it to see the record, its source, and who else holds it.
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Recommends rcmnd
rcmnd What they recommend 4 things — each backed by an exact quote.
Compiled by rcmnd.app, not by them: the quotes are theirs, and each links to the post it was copied from.
Recent
Loved Succession
I also love succession but I'm still I haven't gotten through season two yet
youtube.com 14 May 2023
Recommends The Stormlight Archive
three body problem children of time trilogy and uh Stormlight Archive
youtube.com 14 May 2023
Recommends Children of Time
three body problem children of time trilogy and uh Stormlight Archive
youtube.com 14 May 2023
Show 1 more
Recommends The Three-Body Problem
three body problem children of time trilogy and uh Stormlight Archive
youtube.com 14 May 2023
Where they publish
Site kunle.app His personal site
Link verified 31 Oct 2026.
Newsletter Kunle.app His essays on fintech, healthcare and startups
Recent
- The US will have “single payer” within 5 - 7 years 29 Sept 2026 And we’ll do it the least efficient way possible.
- Tokens vs. outcomes 13 Sept 2026 Show me the incentive and i'll show you the outcome
- The tokenmaxxing hangover 2 Sept 2026 Routing, evals, and benchmarks are the same problem.
Show 17 more
- Coding agents will replace the office suite 16 Aug 2026 Six months ago, I had a view that coding agents would replace Excel.
- April 2026: Everything is context 19 Apr 2026 It’s evals all the way down
- March 2026: Everything is a variable. 8 Mar 2026 Treat your defaults as variables not constraints
- Come work with me (at Substrate) 25 Jan 2026 We’re looking for people to come build Substrate (www.substrateai.com) with us.
- January 2025: Coding agents are for everyone 18 Jan 2026 Claude Code is for you, and you, and yes, definitely you.
- January 2026: Synthesis is the new bottleneck 5 Jan 2026 We’re in a time where you can produce far faster than you can understand
- Sovereign Stablecoins 7 Nov 2025 Stablecoins not pegged to USD, and also not CBDCs
- August 2025: Stablecoins are for everyone (else): Missing Pieces 21 Aug 2025 There's still so much to build.
- August 2025: Stablecoins are not for Americans. They’re for everyone else 6 Aug 2025 The Great Weirding: Why it's taken so long for Americans to get stablecoins
- August 2025: A Deep Research Agent for healthcare claims 1 Aug 2025 Going 2x as deep into claims data with 1/10th the human effort, using a vertical deep research agent.
- June 2025: The AI agent schism 25 Jun 2025 How AI agents are being used is different from how people *think* they're being used (particularly in enterprise)
- June 2025: Patients need an AI scribe of their own 20 Jun 2025 AI scribes have raised billions to help doctors. Whose building one for patients?
- May 2025: AI Agents as adversaries for building fraud models 13 May 2025 The same technology that can be misused for fraud, can also be used to harden & protect financial systems
- February 2022: Children of Durbin 28 Apr 2025 The blast radius of the Durbin Amendment
- March 2025: The end of paperwork 27 Mar 2025 Regulated industries often run on “documentation”.[1] A simplified, non exhaustive way to look at this is that for each “transaction” (or customer interaction), the organization has to
- March 2025: A Very Stable Conference Season 1: Recap 19 Mar 2025 About a month ago 300 folks converged on San Francisco for (Season 1 of) A Very Stable Conference.
- March 2025: DeepShopping 16 Mar 2025 The next logical evolution of DeepResearch is agents that shop for you
Link verified 31 Oct 2026. Recent items update automatically from the channel.
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