Victaurs

Victaurs

Home
Chat
Archive
Leaderboard
About
Circle Fade Update: Told You So
Back on June 10th, I wrote up Circle with a simple message, fade it.
 • 
Victaurs
Originate to Sell: The Fragile Foundation of Upstart’s Revenue Surge
When the tide’s coming in, everything floats and in bull markets blind monkey’s can throw darts and hit bullseye’s.
 • 
Victaurs
The Quiet Deposit Bill That Could Reshape Banking, Kill Stablecoins, and Boost Regional Banks Stocks
A dangerous idea is floating around the Hill right now that should terrify stablecoin disruptors.
 • 
Victaurs
1
A Circle Update & How JPM, PayPal, and PNC Are Hijacking Crypto’s Best Idea
Inside the quiet institutional takeover of Circle & stablecoins, the new financial rail war, and why programmable money might not be won by crypto at…
 • 
Victaurs
The Fair-Value Flywheel: SoFi’s Greatest Strength and Its Darkest Shadow
How SoFi turns model-based loan marks into growth fuel, how it parallels MSTR and their crypto accounting, and how the same playbook could reverse fast.
 • 
Victaurs

July 2025

The Most Hated Compounder in the Payments Space
EPS growth, buybacks, branded recovery, and a CEO who actually hits numbers
 • 
Victaurs
How to Survive a Market That Loves Digital Rocks More Than Revenue
It's summer, and you’ve earned your vacation.
 • 
Victaurs
Citibank: Back Then Didn't Want Me, Now I'm Hot, They All On Me
A breakdown of Citi’s Q2 glow-up, from revenue growth to 24/7 tokenized payments, and how a bank everyone wrote off is quietly earning its way to…
 • 
Victaurs
3
The Smart Money's Bank Playbook For The Next 18 Months
Full analysis of the top 190 U.S. banks using ROTCE, TBVPS, EPS growth, and AI insights. Names to buy, fade, and watch through 2026.
 • 
Victaurs
When Banks Beat, Crypto Heats, and Tariffs Hit.
If you invest in financials or banking or want to know what’s going on in the space, this is the place for you.
 • 
Victaurs
Post Mortem: The U.S. Bank Stock Turn We Called In December
A quick note on the bullish U.S. Bank thesis from December
 • 
Victaurs
Mean Girls, Monetary Policy, And Mortgage Rates
Jerome Powell is living his own verison of Mean Girls.
 • 
Victaurs
2
© 2025 Victaurs
Privacy ∙ Terms ∙ Collection notice
Start writingGet the app
Substack is the home for great culture