Noah Shinn - Building Instinct: The Personal Agent - [Invest Like the Best, EP.493]

Instinct is scaling a free, ad-free personal AI agent to over $1B in annualized transaction volume via a merchant take-rate model, constrained mainly by compute lead times.

• Explosive organic growth: Instinct is growing ~10% day-over-day with $0 marketing spend, via an invite-only model where each user gets five invites; some invites resold on eBay for $300.
• Trust builds in weeks: 40% of users share a credit card with Instinct within three weeks; once a user connects one sensitive credential, retention hits 80%.

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