Larry Chiang, President and CEO


I'll shoot you w/a nerf gun if you don't manage your credit.

11:11 is my goal of getting duck9 consumers lots of 1s.

24 1's in a row equals a 750 FICO.

A "one" is an on-time payment in credit reporting code.

A '9'=charged off bad-debt. You wanna duck 9s.

Duck9 = Deep Underground Credit Knowledge (Duck 9's on your credit report. 9's are charge-offs)

"Making sure college credit virgins get deflowered right since 2004"

"Larry Chiang is an expert at the dark art of FICO score preparation"

from Paul Thompson, Founder Scottish American Capital

Harvard Business School '09

"Who needs Stanford Business School when you have Larry Chiang"

from David Rohrsheim, Draper Fisher Jurvetson

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In The Media

Jai’me Jan and an External API for Golden Globes

January 7, 2019

By Larry Chiang API is application protocol interface. In this case, the app is GG (golden globes).  Jai’me Jan (@jaimelondonboy) 1/6/19, 5:42 PM At this stage the FIJI water woman might actually be more famous than the Hollywood stars for being seriously camera thirsty! I love her. 😂😂😂 #GoldenGlobes #RedCarpet ⁦‪@FIJIWater‬⁩ A Fuji Water […]

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How Did I Start

November 30, 2018

By Larry Chiang Talking about starting up a FICO score gets dull AF 😬 So, I’ll talk about sexier fun stuff: A Christmas party and a hot model I hire two photographers to walk around with me.  This hack is how I became stratospheric in the New York Fashion Week universe. You do not get […]

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German Accelerator Demo Day December 13 Palo Alto

November 21, 2018

By @6502838008 To: “” <>Subject: Invitation to German Accelerator Demo Day ‘Captivate’ Dear Larry, We would like to invite you to join the next German Accelerator Demo Day ‘Captivate’. Our pitching and networking event features the current cohort that graduated from German Accelerator’s recent three-month program. Watch pitches and connect with our community over food and drinks. […]

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Avoid and Duck Getting Fired, Acronym And Pun, Intended

November 15, 2018

By Larry Chiang Duck getting fired. Avoid getting canned when you start a startup. steve blank (@sgblank) 11/13/18, 6:00 AM How to Keep Your Job As Your Company Grows… Stanford Engineering 145; Lec 19. “Personal Business Plan and Model” Note: TOM Chiang’s answer to impending firing was to just “be nice”. Getting fired is an […]

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What Underwrites Money and Gives Money Value

November 11, 2018

By Larry Chiang Working in credit for ten plus years makes you uncover a lot of systemic issues that surround sound money. Sound money is money that is stable.  USD ‘Gold Standard’ only lasted 28yrs.  Blip in time vs 5000 years of human history. Just enough time for our nation to rack up $70+ Trillion […]

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Guardsmen Tree Lot Party Dec 15, 2018 Will Look a Lot Like 2017

November 8, 2018
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October 30, 2018
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CS Majors Using Sales Premiums to Sell Cars to CS Majors

October 29, 2018

By Larry Chiang Set aside the fact that Satoshi just sold SatoshiLite on selling his friend a car… This is how selling as a cs major works. They work via the protocol “sales premium”. A sales premium is giving something to you that’s very popular like Ice Cream, cute gimmick, a Larry Chiang hug or […]

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The Velocity Of Bitcoin

October 29, 2018

By Larry Chiang Where is crypto going What to pay attention to Check out this analysis… Willy Woo (@woonomic) 10/28/18, 11:39 PM Bitcoin quarterly monetary velocity at its lowest point since Sep 2010. Back then we were in the mining era [1] of the coin. Silk Road had yet to appear to drive velocity up […]

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Storing Value is Treasure Management

October 28, 2018

By Larry Chiang Clear and succinct state of crypto affairs  Jimmy Song (송재준) (@jimmysong) 10/28/18, 11:05 AM Ability to store value motivates building. Ability to spend motivates consumption.Produce or consume? Which leads to prosperity? This is at the heart of Crypto-Austrianism and Crypto-Keynesianism.

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