People yelling “BETR is losing money!” 🤡
Yeah… the old mortgage business lost money.
Tinman + Betsy didn’t.
This is exactly like Palantir before AIP.
Everyone judged the company on the pre-AI era, not the platform that was about to explode.
Yeah… the old mortgage business lost money.
Tinman + Betsy didn’t.
This is exactly like Palantir before AIP.
Everyone judged the company on the pre-AI era, not the platform that was about to explode.
2022–24 was the worst housing market in 40+ years:
📉 Rates from 3% → 8%
📉 Refis died
📉 Originations collapsed
📉 Every lender bled money
That’s not an AI problem.
That’s the macro cycle destroying every mortgage company.
Just like PLTR’s old gov contracts masked the future.
📉 Rates from 3% → 8%
📉 Refis died
📉 Originations collapsed
📉 Every lender bled money
That’s not an AI problem.
That’s the macro cycle destroying every mortgage company.
Just like PLTR’s old gov contracts masked the future.
While the industry drowned, BETR pulled a Palantir move (and all credit goes to @vishalgarg1_0 ):
They rebuilt their entire company around AI + ontology.
•Tinman is the ontology:
A unified data graph of customers, properties, documents, investors, risk rules, and workflows.
•Betsy is the AIP:
An agentic AI that replaces LOs, processors, underwriters, condition clearers — just like AIP agents replace analysts.
This is 1:1 with PLTR’s architecture.
They rebuilt their entire company around AI + ontology.
•Tinman is the ontology:
A unified data graph of customers, properties, documents, investors, risk rules, and workflows.
•Betsy is the AIP:
An agentic AI that replaces LOs, processors, underwriters, condition clearers — just like AIP agents replace analysts.
This is 1:1 with PLTR’s architecture.
Most people don’t get this:
Tinman isn’t software.
It’s Foundry for mortgages.
A single operating system that ties together:
•data
•rules
•compliance
•pricing
•investor matching
•documentation
•credit box logic
•risk models
•every human action in the flow
PLTR calls this ontology.
BETR built their own.
Tinman isn’t software.
It’s Foundry for mortgages.
A single operating system that ties together:
•data
•rules
•compliance
•pricing
•investor matching
•documentation
•credit box logic
•risk models
•every human action in the flow
PLTR calls this ontology.
BETR built their own.
Betsy isn’t a chatbot.
Betsy is a production AI operator.
She:
✔ issues pre-approvals
✔ clears conditions
✔ matches borrowers to investors
✔ writes docs
✔ prices loans
✔ reduces defects
✔ collapses cycle time
✔ slashes headcount
Exactly like PLTR’s AIP agents operating supply chains, maintenance, insurance, logistics, fraud, etc.
Betsy is a production AI operator.
She:
✔ issues pre-approvals
✔ clears conditions
✔ matches borrowers to investors
✔ writes docs
✔ prices loans
✔ reduces defects
✔ collapses cycle time
✔ slashes headcount
Exactly like PLTR’s AIP agents operating supply chains, maintenance, insurance, logistics, fraud, etc.
And here’s the punchline nobody gets:
Tinman Platform + Tinman Software earn 40–80% margins.
Just like PLTR’s commercial business once the ontology matured and AIP hit.
The losses came from the legacy mortgage world.
The profits will come from the ontology + AIP AI world.
Same story as PLTR 2018–2022.
And I missed PLTR, but I’m not going to miss others following the PLTR playbook.
Tinman Platform + Tinman Software earn 40–80% margins.
Just like PLTR’s commercial business once the ontology matured and AIP hit.
The losses came from the legacy mortgage world.
The profits will come from the ontology + AIP AI world.
Same story as PLTR 2018–2022.
And I missed PLTR, but I’m not going to miss others following the PLTR playbook.
And BETR just guided to doubling the business in 6 months.
That’s not normal lender behaviour.
That’s a Palantir-style S-curve.
The inflection is happening now —
and the Street will only notice after the numbers hit.
That’s not normal lender behaviour.
That’s a Palantir-style S-curve.
The inflection is happening now —
and the Street will only notice after the numbers hit.
OPEN and BETR are the two companies following the PLTR playbook the closest:
•Ontology → unify the world
•AIP → intelligent agents automate it
•Legacy → burned down
•AI → drives margins + velocity
•Repricing → comes fast and violent
Retail always sees this before Wall Street.
•Ontology → unify the world
•AIP → intelligent agents automate it
•Legacy → burned down
•AI → drives margins + velocity
•Repricing → comes fast and violent
Retail always sees this before Wall Street.
So no — BETR isn’t “losing money.”
The past was losing money.
The ontology era is about to mint it.
PLTR had this exact setup.
Then AIP hit.
Then the multiple went vertical.
BETR is walking the same path — in a trillion-dollar industry that hasn’t been modernized since the 1970s.
Rising Dynasty sees the turn. 🚀
The past was losing money.
The ontology era is about to mint it.
PLTR had this exact setup.
Then AIP hit.
Then the multiple went vertical.
BETR is walking the same path — in a trillion-dollar industry that hasn’t been modernized since the 1970s.
Rising Dynasty sees the turn. 🚀
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