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Linas Beliūnas

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** Follow me for all things Financial Technology (FinTech, Blockchain, Cryptocurrency, Artificial Intelligence + Finance, etc.), Digital Innovation and Future Tech** Thank you for taking your time to view my profile. Unfortunately, I can no longer accept any new connection requests. Therefore, I'd really appreciate it if you could follow me. Let's keep in touch! --- I am a business developer, sales professional, and FinTech strategist who strives to make an impact and change the world. For the better. Although I have a bachelor's degree in Economics (with a major in Economics and Politics), I have been actively following and/or working in the Financial Services field since the very first year at university. Because of the early start of my career and given opportunities to try myself out in different roles and different players in the world of finance (I worked at Western Union, Danske Bank, Norne Securities), quite quickly and easily I found myself being the most passionate about Financial Technology and its enormous potential to reinvent conventional finance and change the world for the better. Now I am working in FinTech for more than 6 years, and every day I try to be a bit better and learn something new (and there are lots to learn!). Currently, I am a part of Flutterwave, where I am scaling the business and leading company's expansion into Europe. Flutterwave is a Mastercard, VISA, Greycroft, Y Combinator, and Worldpay FIS-backed payments technology company headquartered in San Francisco. We're simplifying payments for endless possibilities. Flutterwave is trusted by leading companies like Uber, Facebook, TransferWise, Netflix, Jumia, Azimo, Binance, among other 90,000+ businesses. We were recognized as the #2 Most Innovative Company in Africa in 2019, according to Fast Company. We're part of 50 Future Unicorns🦄 according to CB Insights & Fast Company. Also, CNBC has included us in the Upstart 100, which lists the brightest, most intriguing, young startups promising to become the great companies of tomorrow. I am super excited to play an important part in the Financial Technology revolution, and having the ability to move the financial disruption forward. I am highly interested in FinTech/TechFin, digital innovation (especially in banking, payments, and finance per see), and emerging technologies. P.S. If you're passionate about FinTech as well as Blockchain & Cryptocurrency and always want to stay up-to-date, make sure to subscribe to my newsletter 🔔linas.substack.com🔔 and join over 111,000+ professionals globally who follow my work.

Check out Linas Beliūnas's verified LinkedIn stats (last 30 days)

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Linas Beliūnas's Best Posts (last 30 days)

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China doesn’t stop! Baidu just released an AI reasoning model at par with DeepSeek that outperforms ChatGPT 4.5 at 1% of the price 😳 Chinese technology giant Baidu just dropped two AI powerhouses: ERNIE 4.5 and ERNIE X1. Here's everything you need to know: ERNIE 4.5: AI That Gets You 🤖 - Multimodal mastery: handles text, images, video, audio. - Understands memes, jokes, and even subtle emotions. - Interacts like a human—high EQ, low awkwardness. ERNIE X1: AI That Thinks Deep 🧠 - Built for complex reasoning and problem-solving. - Autonomously uses tools - like giving AI its own toolbox. - High performance at half the cost of rivals like DeepSeek R1. The best part? Baidu’s latest AI models rival GPT-4's capabilities with multimodal superpowers and match DeepSeek R1's reasoning at 50% cost 🤯 Oh, and ERNIE 4.5 model series are going to be open source in the next few months. AI is getting commoditized at a speed never seen before. Soon, everyone can access the best AI without paying $200/month. Fascinating times 🍿🤖 P.S. for more interesting stuff, check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


1k

Brilliant! America's Next Top Model isn't actually a model... 😳 It's AI. Artificial intelligence just got its own runway moment. The lineup is fierce. Every platform is ready to strut, shine, and compete. - xAI - OpenAI - Anthropic - Meta AI - Google AI - Apple Intellignece. One doesn't belong and has to be eliminated 🍎 Which AI model deserves to win "America's Next Top Model"? You know my answer 😉 P.S. for more great stuff, check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


235

This is fascinating! China's Engine AI just unveiled the world's first front-flipping robot 😳 Meet PM01, a 1.38-meter-tall, 40 kg marvel that not only walks with a natural gait but can also pull off a front flip - a move that’s notoriously tricky for robots (even harder than backflips!). Powered by cutting-edge tech like reinforcement learning and imitation learning, this little powerhouse is pushing the boundaries of what’s possible. But PM01 isn’t just about acrobatics. It’s a glimpse into the future of robotics, with potential applications in: ↳ Elderly care - helping seniors with mobility and tasks. ↳ Search and rescue - navigating tricky terrains to save lives. ↳ Law enforcement - Shenzhen’s police department is already testing it! So this definitely more than just a cool trick - it’s a solid step toward humanoid robots becoming part of everyday life. Fascinating. P.S. for more great stuff, check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


401

This is literally surreal! Sesame AI sounds absolutely human and natural 😳 It’s is by far the most AGI-feeling voice model I’ve interacted with yet. We’re about to enter the stage when the computer isn’t just a tool - it’s a partner with a truly natural voice and personality. Something that Steve Jobs ultimately envisioned with Siri. The best part? Sesame is going to open source their AI model. HER moment. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


1k

94% of CEOs trust AI more than human board members 😳 AI isn't just streamlining workflows - it's reshaping executive decisions. Here's what's happening: → 74% of executives now prefer AI advice over input from colleagues and friends. → Nearly half (44%) even trust AI's judgment more than their own, per BI. Paradigm shift? Yes. But it actually says more about board members & CEOs than about AI. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.

  • 94% of CEOs trust AI more than human board members 😳  AI isn't just streamlining workflows - it's reshaping executive decisions.  Here's what's happening:  → 74% of executives now prefer AI advice over input from colleagues and friends.  → Nearly half (44%) even trust AI's judgment more than their own, per BI.  Paradigm shift? Yes.  But it actually says more about board members & CEOs than about AI.

475

AI workloads are exploding. Cloud spending will hit a whopping $1.6 trillion by 2028 😳 Gartner warns that 32% of that spend is pure waste. Let that sink in. Every wasted dollar isn't just lost money - it's wasted energy, needless hardware, and a direct hit to our planet. More importantly, the environmental cost of unchecked cloud spend is staggering: - Excessive power usage - Unnecessary hardware - Hidden sustainability impacts But there's hope. Meet the unsung heroes: FinOps professionals. They're quietly saving the environment - turning off one NVIDIA H100 GPU at a time (even though Jensen Huang might not like it!). Today, I just came across an exciting new open-source, no-code FinOps automation platform OpenOps. Imagine democratized, effortless cloud efficiency - available to everyone. Now you can. Thanks to OpenOps: - You can now download, use & deploy their software for free - Access a curated list of tons of workflow templates & more! The future of tech is open source. P.S. You can get OpenOps here: https://github.openops.com You can join their community here: https://slack.openops.com

  • AI workloads are exploding.  Cloud spending will hit a whopping $1.6 trillion by 2028 😳  Gartner warns that 32% of that spend is pure waste.  Let that sink in.  Every wasted dollar isn't just lost money - it's wasted energy, needless hardware, and a direct hit to our planet.  More importantly, the environmental cost of unchecked cloud spend is staggering:  - Excessive power usage - Unnecessary hardware - Hidden sustainability impacts  But there's hope.  Meet the unsung heroes: FinOps professionals.  They're quietly saving the environment - turning off one NVIDIA H100 GPU at a time (even though Jensen Huang might not like it!).  Today, I just came across an exciting new open-source, no-code FinOps automation platform OpenOps.  Imagine democratized, effortless cloud efficiency - available to everyone.  Now you can. Thanks to OpenOps:  - You can now download, use & deploy their software for free - Access a curated list of tons of workflow templates & more!  The future of tech is open sou

450

Nailed it! NVIDIA founder & CEO Jensen Huang on AI taking jobs: "Anybody who is concerned about an AI taking their job, you should probably worry about someone who uses AI taking your job" - Jensen Huang Humans + AI. This is the way. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


481

AI isn’t killing programming jobs - it's reinventing them. Rumors that AI will erase computer programmers are greatly exaggerated. The truth is far more interesting. Programmers aren't disappearing - they're transforming. The chart below brilliantly proves it: ↳ Computer programmers: Declining since the '90s 📉 ↳ Software developers: Explosive growth since the 2000s 🚀 Here's why: AI and automation are taking over the repetitive grind. - Routine coding - Basic debugging - Tedious testing What remains - and expands - is more valuable: - Strategic thinking - System design - Innovative solutions The job market agrees: Software developer roles are projected to surge by 17% by 2033. But there's a catch: Routine programming tasks might face up to 80% automation by 2032. All thanks to AI. Your next move is, therefore: ↳ Developers: Master AI. Keep upgrading your skills. Your role isn't disappearing - it's upgrading. ↳ Businesses: Integrate AI, but invest heavily in human talent. Balance tech with creativity. ↳ Educators: Focus on teaching AI, critical thinking, and ethical tech use. Prepare students to lead, not just code. AI isn't replacing programmers - it's redefining their potential. Master AI and you will thrive in this new era. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.

  • AI isn’t killing programming jobs - it's reinventing them.  Rumors that AI will erase computer programmers are greatly exaggerated.  The truth is far more interesting.  Programmers aren't disappearing - they're transforming.  The chart below brilliantly proves it:  ↳ Computer programmers: Declining since the '90s 📉 ↳ Software developers: Explosive growth since the 2000s 🚀  Here's why:  AI and automation are taking over the repetitive grind.  - Routine coding - Basic debugging - Tedious testing  What remains - and expands - is more valuable:  - Strategic thinking - System design - Innovative solutions  The job market agrees:  Software developer roles are projected to surge by 17% by 2033.  But there's a catch:  Routine programming tasks might face up to 80% automation by 2032. All thanks to AI.  Your next move is, therefore:  ↳ Developers: Master AI. Keep upgrading your skills. Your role isn't disappearing - it's upgrading.  ↳ Businesses: Integrate AI, but invest heavily in human tale

1k

Robinhood is going all in on AI to change the future of investing 😳 FinTech giant just dropped Cortex, its new AI-powered investing tool. Think of Cortex as your personal Wall Street AI analyst - but in your pocket, 24/7. Here's why Cortex is set to disrupt investing: 💡 Real-Time AI Insights: ↳ Get instant clarity on why stocks move - no noise, just data-driven insights. 📈 Personalized AI Strategies: ↳Cortex doesn't just give generic advice. It tailors recommendations to YOUR goals, YOUR risk appetite, and YOUR trading habits. 💸 AI-Powered Trade Builder: ↳ Turn predictions into precision with AI-crafted trade recommendations, especially impactful for options trading. 🤖 Built on Pluto Capital's Cutting-Edge AI: ↳ Robinhood partnered with AI investment experts Pluto Capital to ensure Cortex offers truly institutional-grade insights. But here’s the twist: ✅ What Cortex Does: - Empowers you with pro-level insights, usually reserved for institutional investors. ❌ What Cortex Doesn’t Do: - It WON’T execute trades automatically - keeping YOU in control. AI investing is the future, and Robinhood just took a massive leap forward. Paradigm shift. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


2k

They did it again! Alibaba's Qwen just dropped the world's best open source LLM 😳 Meet Qwen's QwQ-32B: - Only 32 billion parameters - Outperforms DeepSeek, Anthropic, Meta, Google, and xAI - Tops LiveBench AI rankings - Open source (Apache 2.0 license) Remember when DeepSeek-r1 blew our minds two months ago? Qwen just raised the stakes - with a model 20x smaller but even more powerful 🤯 AI that used to need massive servers might soon fit right in your pocket. At this pace, we'll see AGI running on a USB stick. It’s now clear that Open Source AI isn't just winning. It's changing the game. The future of AI is small. Fast. Open. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


    1k

    OpenAI just dropped new AI tools & flipped the script on AI agents 😳 This will completely transform how we build AI apps. Here's everything you need to know 👇 First, OpenAI unveiled Responses API. It's one streamlined API combining Chat Completions' simplicity with powerful Assistants API features. ↳ Real-time Web Search ↳ Lightning-fast File Search ↳ Computer Control: AI that clicks, types, automates! Then, OpenAI released Agents SDK (Open Source).   It offers ultimate flexibility - compatible with OpenAI, Google, and Anthropic. ↳ Easy multi-agent workflows ↳ Built-in observability & safety tools Previously, building production-ready AI agents was a huge hassle - extensive prompt tuning, multiple APIs, and poor visibility. Now, OpenAI solved it 🤖 Some real-world examples with results: - Hebbia: Asset managers now instantly pull real-time market insights. - Navan: Travel policies integrated seamlessly into chat-based agents. - Coinbase: Built fully functional agents in just hours. And that's just the tip of the iceberg. We can soon expect an expanded toolset, more reliable automation, and less human oversight. More importantly, we'll soon have agents tailored specifically for healthcare, customer service, finance, and more. 2025 is the year of the AI agent. OpenAI just handed you the tools to lead the charge. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


    1k

    AI just changed startups forever. Y Combinator’s newest batch of startups is breaking every record. Here's what’s happening: → 25% of startups wrote 95% of their code using AI. → Teams of fewer than 10 people are hitting $10M+ revenue. → They’re growing at 10% per week. Not just one or two - the entire batch. The era of needing 100 engineers and huge funding rounds? Gone. AI-powered "vibe coding" means smaller teams, less capital, faster growth. Silicon Valley’s "growth at all costs" mindset is officially dead. Profitability and lean teams are the new standard. Forget landing that job at Google, Amazon, Apple or Meta. You might find it easier & more enjoyable to build the next $100M AI startup instead. Because the playing field just leveled. All thanks to AI. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.

    • AI just changed startups forever.  Y Combinator’s newest batch of startups is breaking every record.  Here's what’s happening:  → 25% of startups wrote 95% of their code using AI. → Teams of fewer than 10 people are hitting $10M+ revenue. → They’re growing at 10% per week. Not just one or two - the entire batch.  The era of needing 100 engineers and huge funding rounds? Gone.  AI-powered "vibe coding" means smaller teams, less capital, faster growth.  Silicon Valley’s "growth at all costs" mindset is officially dead. Profitability and lean teams are the new standard.  Forget landing that job at Google, Amazon, Apple or Meta. You might find it easier & more enjoyable to build the next $100M AI startup instead.  Because the playing field just leveled.  All thanks to AI.

    1k

    WILD: OpenAI wants $20,000/month for PhD-level AI Agents 😳 Sounds crazy? Because it is. The Information just reported that OpenAI executives have told some investors it planned to sell its AI agents ranging $2-20k/month. Here's the breakdown: - $2,000/month: Basic agents for "high-income knowledge workers." - $10,000/month: Mid-level agents tailored for software development. - $20,000/month: Elite, PhD-level research agents. This means either of two things. OpenAI's upcoming agents, like the SWE agent, are really, really good that they can easily replace top-tier talent overnight. Otherwise, why charge these prices? OR OpenAI has truly mastered sales psychology. $2k-$20k per month isn't priced for value delivery - you can get a top-level PhD researcher for less than that and equip them with OpenAI Pro, Claude, Grok, or any other AI tool. It's priced to make executives feel they're buying something exclusive and transformative. So they could brag about it, and be the "first" or "AI-powered", or even use it as an excuse to lay off some employees. Either way, it's not AGI - it's probably just luxury branding. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


      1k

      AI just invested $100k in a startup - completely on its own 😳 Meet No Cap: the world's first AI angel investor 🤖 In just 3 minutes, No Cap: - Signed a SAFE - Wired $100,000 - Introduced founder to 5 top-tier investors - Recommended a potential key hire All on one quick call 🤯 No meetings. No back-and-forth emails. No wasted time. Imagine a world where fundraising doesn't suck. That's exactly what the team is building. Trained by 60+ elite Y Combinator founders, No Cap isn’t just investing - she’s connecting, advising, and doing the "dirty work" of hiring and business dev. The future of venture is here and it’s powered by AI. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


      3k

      A billion-parameter voice AI is now open source 😳 Sesame AI dropped CSM-1B - the billion-parameter engine powering the viral assistant Maya. This isn't your typical tech release: - 1 billion parameters - Hollywood-level realism - Instant use - zero fine-tuning - Completely FREE for commercial use No paywalls. No permissions. Apache 2.0 license. In simple terms: Every startup just got handed the keys to Google's and Meta’s top-secret voice tech. Just think about it: → AI phone reps indistinguishable from humans. → Personalized assistants for every creator. → Indie devs going head-to-head with ElevenLabs - with zero budget. Sesame just said: “Here’s the model. Build whatever you want.” No APIs. No subscription traps. No corporate gatekeepers. Voice is the next frontier - and now it's FREE for all. Fascinating times. h/t @jowettbrendan P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


      3k

      Microsoft & OpenAI battle is on, and Nadella just dropped a bombshell 👇😳 “I do believe the models are getting commoditized. OpenAI is not a model company it’s a product company” - Satya Nadella The powerful AI models (like OpenAI's GPT) that once defined the competitive edge are becoming commodities, and that's exactly why OpenAI is pivoting aggressively towards profit-driven products. More importantly, AI is shifting from futuristic dreams (AGI) to real-world solutions - practical innovation, and tangible impact. For the perspective, Nadella sees AI driving 10% global economic growth. But here's the catch: With commoditized AI, competition won't be about having the best model. It'll be about having the best product, the best infrastructure, and the best experience. So the future of AI won't be won by the creators of the AI models. It will be won by the masters of real-world AI impact. P.S. check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


      2k

      Apple Clean Up vs. Samsung Galaxy AI is ludicrous 👇😭 Hard to comprehend how Apple Intelligence can be this bad... And that's just one example. Siri is absolutely unusable too. In fact, Apple is so far behind in all things AI it is laughable. Steve Jobs would be embarrassed. P.S. for more great stuff, check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


      3k

      Robots finally got real! Jensen Huang just introduced Blue (Star Wars droid) and NVIDIA's partnership with DeepMind and Disney 👏🥹 At Nvidia's GTC 2025, CEO Jensen Huang introduced a droid straight out of your Star Wars dreams 🤖 Blue isn't just a prop - it's an interactive droid designed to: - Walk and move fluidly. - Engage naturally with humans. - Bring Star Wars to life, right before your eyes. To achieve that, three giants joined forces: ↳ NVIDIA’s expertise in AI and computing. ↳ Google DeepMind’s advancements in machine learning. ↳ Disney’s creative storytelling. They're also launching Newton, an open-source physics engine. It's a digital playground where robots learn real-world skills through lifelike simulations. The future is here, and it's amazing. P.S. for more great stuff, check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


      6k

      China's DeepSeek moment 2.0 is here, and it's called Manus AI 😳 Already viral in China, this AI agent is about to go global. Think Perplexity or xAI Deep Research meets OpenaAI Operator and Claude Computer - rolled into ONE unstoppable AI agent. It reportedly can handle up to 50 complex tasks simultaneously: - Managing financial transactions - Deep-dive research - Planning your dream vacation - Even launching websites - completely autonomously. Reports already suggest it's outperforming DeepSeek and OpenAI models in real-world benchmarks. But here comes the crazy part. Just this week, reports came that OpenAI aims to launch $20k/month AI agents. Well, Manus just flipped the table as their AI agent is reportedly partially open-source, affordable, and powerful enough to disrupt entire industries. China is no longer catching up - it's leading in AI globally. P.S. for more interesting stuff, check out 🔔linas.substack.com🔔, it's the only newsletter you need for all things when Finance meets Technology. For founders, builders, and leaders.


      6k

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