The project was first teased by Musk in early 2026 and officially announced on March 21, 2026 during a special event at the defunct Seaholm Power Plant in Austin, Texas [1][2]
When you send USD to an AUD account via Wise, no money actually travels between the US and Australia. Wise maintains massive pools of local currency in bank accounts all over the world. When you deposit USD, it goes into Wise’s US bank account. Wise's software detects the deposit and instantly triggers an internal payout from Wise's Australian bank account to the recipient's AUD account. Because Wise is using local banking networks on both ends (like FedNow or RTP in the US, SEPA Instant in Europe, and NPP/Osko in Australia), the transfer can settle in seconds. It’s essentially a matching engine, not an international wire.
Credit risk and identity dictate the speed of the funding step. If you stripped KYC out of the equation entirely, the bottleneck wouldn't just be speed — the legacy banking system would refuse to route the transaction at all.
It is important to distinguish that you are fundamentally involved in a credit network, pulling funds not pushing funds, that just gives the illusion of speed. For verified users, the sub-minute speed is a mix of local real-time banking rails and Wise extending short-term trust that the incoming funds won't bounce. For an unverified or high-risk user, Wise forces a holding period until the money physically clears, dragging the process back down to standard banking speeds.
Neither does money "travel between the US and Australia" for a regular old SWIFT and correspondent banking based international bank transfer. When you send money internationally, your bank also "taps into pools of local currency" of their various correspondent bank(s). All of this could also happen instantly if they wanted it to; SWIFT is a real-time messaging network.
Wise's innovation was to provide their service "over the top", i.e. unbundle wire transfers from your bank's default offering. This has driven down both speed and pricing, in the same way that dial-through (e.g. calling card based) long distance carriers created massive competition and drove prices down in long distance calling, while under the hood it was all still just regular phone calls.
When you send USD to an AUD account by any mechanism no money actually travels between the US and Australia. Usually USD is transferred from one US bank to another, and AUD is transferred from one Australian bank to another.
I think this is a well thought out understanding of your specific snapshot in time. However these are indeed exponential times. It may be more realistic to do your calculus on time shifting assumptions, especially given how clear you are about the development time and life cycle of the product.
That's rough. Same symptoms of low testosterone, which a blood test can measure. This can be caused (even in younger men) through daily exposure to endocrine-disrupting chemicals (EDCs) like BPA and phthalates, heavy metals, and pesticides. Poor lifestyle exposures such as chronic stress, lack of sleep, and high ambient air pollution also significantly suppress hormone production.
Indeed. Thanks for the pointer. My testosterone level is in a happy range, as are most of my levels.
Chronic stress, now that's an interesting one. I've never regarded myself as stressed. Or, if I am stressed, I'm always stressed and it's just normal. But I see no reason to be stressed, but maybe I am. And I wonder, how much of stress is a cause, or a result. I've taken a year off work. Am I better for it? It's hard to say. I'm yet to find anything that I can say helps. I've only really found things that make it worse. Like alcohol, and sugar. Diabetes? Yeah, I've considered it. I've got 6 months of blood sugar monitoring data, with no discernible correlation between my levels and how I feel. Funny world <3
About stress: how's your HRV? Look into sympathetic and parasympathetic nervous system, vagus nerve and it's relation to HRV. It gives you a more objective way to measure stress.
In particular, Garmin smartwatches have a very good measurement and intepretation with their "stress" and "body battery" features.
I initially thought about sharing this about stress and didn't, but then I read your post.
That's how I learned I was stressed while working. I have a Garmin watch and everyday I get an alert telling me I had a stressful day.
During the day if I do a little check-in where I observe how I feel, I often notice a lot of muscle tension, especially in the plexus area, and that I stop breathing for extended periods of time. I try to consciously relax, which would work for a few minutes before the tension comes again. I end up being exhausted almost everyday. My watch has been telling me I'm either in "recovery" or "strained" for months.
Stress can be difficult to notice, especially when you're stressed.
Yes. I've tried avoiding caffeine during my year off. When I don't (even after weeks of abstinence) I sleep 12-14 hours a night and still need a nap during the day, which is incompatible with having both a day job and something approaching a well-lived life involving laundry. So I drink caffeine, to be compatible with the labour market.
You need more than weeks of abstinence, friend. Ive generally noticed 1-2 months are necessary to recover from all of the awful side effects of caffeine (from drinking a tiny amount of coffee per day - my body is just very sensitive to it). I urge you to try it.
for me, mostly just poor sleep and focus/clarity. It creeps up on you slowly, til you realize youre just in a haze. Once you detox, life is much better.
And, yet, as an addict, i keep convincing myself that I can handle a little bit (like, 6-10 grams daily - which is nothing) and will re-addict myself every few months.
I should say that i have been actually handling 10 grams vastly better lately than i could even 6 grams a few years ago. Not sure what to attribute that to.
I really like coffee - i roast, grind and brew it at home. I should treat it as i do alcohol - only 1 drink, once in a while - but i'll probably remain like this for life...
What were the side effects? High blood pressure, feeling like a "zombie", sleep getting worse?
I'd try centanafadine and see a top ADHD specialist. There are a lot of variables: molecule, dose, release profile, melatonin timing.
What is worth checking:
* Comorbid anxiety or trauma symptoms (PTSD)
* Hormone imbalance
Just because your blood work is perfect, it doesn't mean all is good. I have hypomagnesemia - the tests were perfect, yet my body needs way more magnesium to function properly.
BP (manageable), tinnitus (BP related), prostate discharge (due to muscular tension), sleep getting worse as the week would go on until I'd have to stop. Sleep wasn't restful at all, which was the main problem. I'd feel like I'd closed my eyes and become unconscious, rather than actually asleep. I'd wake up in the morning like I'd been kept awake as some kind of torture all night, but with no recollection of it.
I desperately wanted ADHD meds to help, but in the end the juice just wasn't worth the squeeze so I stopped. I tried all 3 or 4 different stims and 2 non-stims.
Thank you for the pointers, I will look into them.
For the stims, I've found that most doctors titrate up the dose way to fast.
For example for methylphenidate, I'd recommend starting on 2.5mg (1/2 the smallest pill) for a week or two, until side effects go away, and then up the dose to 5mg.
Not just T. Low thyroid hormone levels as well. I just had that diagnosed, after a year or two of feeling “worn out”. I thought it might be T (I’m almost 50 now) but turns out my thyroid was under-active. Relatively easy diagnosis and fix.
Doctors call it a fatigue panel - There's a set of high-yield blood tests for common conditions that they typically order if you're generally tired. Vitamin D, thyroid, iron levels, testosterone in males. Really quite an easy fix if any of those are significantly off. I've had a couple of times I've felt really run down and got labs done, and I was either anemic or hypothyroid, after a month on a higher dose of levothyroxine or on an iron supplement I feel like a new person.
Yes it does - the ROI is replacing the global labor market => the replaced workers stop earning income. They cut spending. The businesses they used to patronize see revenue decline => the company that fired its workers to save money discovers that its customers were, in aggregate, other companies’ workers. Revenue growth stalls => dead economy [1]
So all these top universities using Canvas as a core part of their infrastructure somewhat begs the question : why would a technology degree from them have any real value if they can't even have their infrastructure built and maintained by students themselves? If their education is really worth that much money, why can't they build their own infrastructure?
[1] https://en.wikipedia.org/wiki/Terafab
[2] https://terafab.ai/
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