① 他说过的话

16 条

卡片支付界面是有史以来独一无二的最佳用户界面。
The card payment interface is the singular best user interface ever created.
—— Max Levchin · [00:00]

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无论怎么想象，它都是世界上最大的市场，支付领域里没有任何一个利基市场小于 1000 亿美元。
It is the world’s largest market by any stretch of imagination, and there are no niches in payments that are smaller than $100 billion.
—— Max Levchin · [00:05]

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有史以来最好的用户界面是信用卡。而这实际上可能终于要被重新提上谈判桌了，因为 AI 已经到那一步了。
The best user interface ever created is the credit card. This may actually be finally up for renegotiation because AI is already there.
—— Max Levchin · [00:34]

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存在着某种先验上不明显、但后验上清晰的临界规模。达不到它，你就会失败。支付领域其实没有什么「还可以」的结果。
There’s some unobvious a priori, but clear a posteriori version of critical mass. And if you don’t reach it, you’re going to fail. There’s not really a okay outcomes in payments.
—— Max Levchin · [11:39]

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你要么达到那里，每个人都必须拥有你的小部件、你的网络，或者你的无论什么东西，要么它就只会被归入时间的废止之中。
You either get there and everyone needs to have your widget or your network or your whatever, or it’s just going to go into the annulment of time.
—— Max Levchin · [11:51]

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但我从未哪怕一秒钟认为它会变成一种货币或一种支付方式，等等。而且我现在也不相信它是一种支付方式。
But I did not think for a second it would become a currency or a payment method, et cetera. And I’m not convinced it’s a payment method now.
—— Max Levchin · [15:44]

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随着你想要发送的总金额下降，便利性就压倒其他一切。
The convenience just trumps everything else as the total amount you’re trying to send goes down.
—— Max Levchin · [17:33]

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而我一直愤怒声讨的事情之一——过去一直在声讨，将来也会继续，直到它被定为非法或通过其他方式被消灭——就是那个假的 0% 贷款。
And one of my sort of things that I rage against have and will continue to until it’s made illegal or eliminated by other means is the fake 0% low.
—— Max Levchin · [41:03]

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基本上，你拿到那张卡的那天刷了 1,000 美元，两年后一觉醒来，你就欠了 3,000 美元。
Basically, the day you got that card, you swiped it for $1,000,youwakeupandyouowe$3,000 two years later.
—— Max Levchin · [41:43]

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实实在在的零上，永远不会有星号。
There will never be an asterisk on a firm zero.
—— Max Levchin · [42:13]

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而支付和广告的融合已经来临，尽管比预言的晚了 15 年。
And the convergence of payments and advertising is upon us, although 15 years later than how it’s predicted.
—— Max Levchin · [44:19]

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我会问的固定问题之一是：你离开 PayPal 之后打算做什么？而我最欢迎的回答是：哦，这是我最后一份了，我之后要自己创业。
We would ask, like one of the stock questions I would ask, we would say, what are you going to do after PayPal? And the answer that I welcomed the most was, oh, this is the last one. I’m going to start my own afterwards.
—— Max Levchin · [50:30]

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你知道，他们不是神，他们是人。而这会真正激励你：你猜怎么着，如果那个家伙只是个普通人，我跟他待过很多时间，他很普通，而他却在追求这么大的一个想法？我也应该这样做。
You know, they’re not gods. You know, they’re humans. And that inspires you to actually like, you know what, if that guy who’s just a normal dude, I spent a lot of time with him, he’s normal. And he’s going for this big of an idea? I should do the same.
—— Max Levchin · [52:33]

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我对智能体购物可能不那么乐观，而我对智能体支付非常乐观。
I’m probably less optimistic about agenting shopping, and I’m very optimistic about agentic payments.
—— Max Levchin · [53:12]

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对于任何使用 Instacart 的人来说，买菜购物已经 100% 智能体化了。
Grocery shopping is 100% agentic for anyone who uses Instacart.
—— Max Levchin · [58:25]

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只是你还没有信任你的智能体，让它做得和你一样好。
It’s just that you haven’t yet trusted your agent to do as good a job as you would.
—— Max Levchin · [57:39]

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② 出现在这些集

1 集

• 《信用卡是最好的用户界面——PayPal 元老与 Affirm CEO 聊支付 25 年》 — 作为联合主持

③ 他谈到的

点进去有真内容 —— 本页主要出口

Alex Rampell · Affirm · PayPal · TrialPay · Visa · MasterCard · 1-800-Flowers · 支付 · 信用卡 · 智能体

④ 也在聊「创业与行业」的人