近一年多来，ChatGPT在产品功能上持续迭代，正从单一对话助手演进为涵盖社交互动、社区协作和购物决策的综合平台。 这一群聊功能的推出，标志着ChatGPT从单人对话向多人协作迈出了重要一步，预示着ChatGPT正成为人们共享交流的新空间。 为进一步支持社群协作，OpenAI还上线了"Projects"（项目）工作空间。项目相当于智能共享文件夹，可以将多个聊天、文件和上下文归集在一起，方便 长周期、反复开展的工作。 这些更新包括引入多用户共享对话的群聊、跨会话的记忆功能、自定义角色扮演的"GPT"应用，以及与电商生态的深度整合等。 要支撑起万亿美元估值，ChatGPT必须走向平台化，先挑战了谷歌，再入侵Meta甚至亚马逊，把互联网超级平台走过的路再走一遍。 01 社交互动与社群功能的演进 2025年末，OpenAI推出了ChatGPT群聊功能，使多个用户能够在同一个对话中共同与ChatGPT互动。这一功能让用户可以邀请朋友、家人或同事进入共享 空间，一起计划活动、讨论创意，甚至由AI协助决策。 例如，几位朋友可以在群聊中与ChatGPT共同制定周末旅行计划，让AI比较目的地、拟定行程并生成行李清单。 群聊对话 ...

Inflation Analysis - CPI (消费者物价指数) 年同比实际数据为 2.7%，低于经济学家预测的 3.1%，低 40 个基点[3] - 核心 CPI 年同比实际数据为 2.6%，同样低于经济学家预测的 3.0%，低 40 个基点[3] - 短期来看，核心 CPI 年化率（过去 3 个月）仅为 1.6%，为 2021 年 2 月以来的最低水平[7] - 避险、石油和劳动力这三个广泛的经济指标均显示出通货紧缩的迹象[8] Coinbase's Strategy - Coinbase 旨在成为全球排名第一的金融服务应用，而不仅仅是加密货币公司[15] - Coinbase 推出八种新产品，包括股票交易、预测市场、期货和永续合约交易、Solana DEX 交易、Coinbase Business、Coinbase Advisor、Base 应用和 Coinbase 定制稳定币[20][21][22] - Coinbase 拥有 1 亿个全球验证账户，年收入达 80 亿美元，并且收入以超过 40% 的速度同比增长[14] Market Competition - Coinbase 和 Robinhood 等公司都在争夺“超级应用”的地位，希望在一个应用中提供股票、加密货币、预测市场、永续合约、稳定币、支付和存款等服务[16][23] - 传统金融机构如摩根大通、富达和高盛预计也将进入这一领域，加剧市场竞争[24] Warrior Dividend - 美国政府向 145 万军人发放“战士红利”，每人 1776 美元[27][28][29] - 报告提出疑问，这笔资金的来源以及是否会增加国家债务[30][31]

Core Insights - The article discusses the emergence of AI companionship applications, highlighting the significant investment and interest in this sector, particularly in the context of user engagement and emotional connection [4][6]. - The founder of "Infinite Valley," Cai Mao, aims to create a product that transcends traditional chatbot functionalities, focusing on enhancing users' lives through personalized AI companionship [7][9]. Company Overview - "Infinite Valley" was founded by Cai Mao after her departure from Bilibili, securing over $10 million in funding from investors like ZhenFund and IDG Capital, with a current valuation nearing $70 million [6]. - The team consists of over 50 members, primarily from the previous "Cat Ear FM" team, ensuring a strong foundation for product development [6][31]. Product Features - The product allows users to interact with a virtual male character named "Lu," focusing on building intimate relationships while also offering practical features like schedule management and habit formation [6][7]. - Cai Mao emphasizes that "Infinite Valley" is not a game but an app designed to integrate into users' lives, providing proactive services based on user data [7][15]. Market Positioning - Cai Mao differentiates "Infinite Valley" from existing AI companionship products by focusing on personalized, proactive interactions rather than passive chatbot responses [14][15]. - The product aims to occupy a unique market position by combining high-quality content with user-driven experiences, targeting a demographic of women aged 15 to 50 [35][36]. User Engagement - Initial testing data shows a retention rate of over 80%, with users averaging 160 chat interactions and over 60 minutes of usage on the first day [9]. - The design philosophy centers on creating a visual and emotional connection with users, which is particularly appealing to female audiences [17][18]. Business Model - The monetization strategy involves content-based payments and IP development, similar to models used in gaming and audio platforms, rather than relying on superficial paywalls [26][27]. - The goal is to create a platform that evolves with user preferences, allowing for a unique blend of public IP and personalized experiences [28][29]. Future Outlook - Cai Mao believes that the AI companionship sector represents a significant opportunity, with the potential for long-term user engagement and emotional support [33][34]. - The company aims to establish a strong brand presence and user loyalty by leveraging its unique approach to AI interactions and community building [21][22].

Group 1 - Kaspi.kz signed a share purchase agreement with Rabobank Group for the acquisition of Rabobank's Turkish subsidiary Rabobank A.Ş., with the transaction expected to close in mid-2026 pending regulatory approvals [1] - Kaspi.kz operates a unique two-sided Super App model, which includes the Kaspi.kz Super App for consumers and Kaspi Pay Super App for merchants, aimed at improving people's lives through innovative mobile products and services [2] - The company provides leading Payments, Marketplace, and Fintech Platforms through its Super Apps, facilitating connections and transactions between consumers and merchants [3] Group 2 - Kaspi.kz has a significant presence in Türkiye, owning a 69.46% stake in Hepsiburada, a leading e-commerce company in the country, contributing to its strong top-line growth and profitable business model [4] - The company has been recognized academically, with Harvard Business School writing two case studies on Kaspi.kz, which are taught to MBA students [5] - Kaspi.kz has been listed on Nasdaq since January 2024, indicating its growth and expansion in the financial markets [5]

⚡️ LATEST: Gemini shares hit record low at $15.80 after Q3 results showed $159M net loss.The exchange is betting big on becoming a "super app" to turn things around. Will it work? https://t.co/4hwMHB06PE ...

Q3 2025 Financial Performance - Kaspi.kz's Total Payment Value (TPV) increased by 18% year-over-year (YoY)[10] - Kaspi.kz's Revenue increased by 10% YoY[10] - Kaspi.kz's Net Income increased by 12% YoY[10] Marketplace Platform Growth - Marketplace purchases increased by 36% YoY in 3Q'25[93] - Excluding smartphones, Marketplace Gross Merchandise Value (GMV) increased by 20% YoY[96] - e-Commerce GMV increased by 25% YoY excluding smartphones[99] Fintech Platform Performance - Total Finance Value (TFV) increased by 16% YoY[114] - Average net loan portfolio increased by 30% YoY[117] - Deposits increased by 18% YoY[117] - Fintech revenue increased by 24% YoY adjusting for higher interest rates[122] Hepsiburada Performance - Hepsiburada purchases increased by 16% in 3Q'25[64, 128] - Hepsiburada GMV increased by 15% in 3Q'25[131] - Hepsiburada revenue increased by 22% YoY[134]

Core Insights - Uber Technologies Inc. is set to report its third-quarter 2025 earnings, with investors keenly observing if the company can meet its ambitious financial targets [1] - The company is projected to achieve Gross Bookings between $48.25 billion and $49.25 billion, and Adjusted EBITDA between $2.19 billion and $2.29 billion, indicating significant growth expectations [2] - Prominent investor Bill Ackman views Uber as "significantly undervalued" and anticipates over 30% annual earnings per share growth in the medium term [3] Financial Performance - The third-quarter guidance follows a record-breaking second quarter, where Uber reached all-time highs with 180 million monthly active consumers [6] - The second quarter also featured a new $20 billion share repurchase authorization, reflecting management's confidence in future cash flow [7] - Year-to-date, Uber's stock has risen by 57.86%, closing at $99.72 per share, with a 36.14% increase over the year [8] Strategic Focus - Analysts are paying close attention to Uber's "super app" strategy and its long-term positioning in the autonomous vehicle (AV) market [4] - The addition of services like groceries and delivery is seen as a way to enhance user engagement and frequency of use [5] - Uber is expected to be a leading player in the emerging "robo taxi wars," leveraging its platform strategy as a key advantage [6]

Core Viewpoint - Coinbase aims to replace traditional consumer banks by becoming the primary financial account for users, offering more efficient financial services than traditional banks [2][4]. Group 1: Company Strategy - CEO Brian Armstrong emphasized the goal of Coinbase to become a "super app," providing a wide range of financial services on a single platform [4]. - Armstrong highlighted the need for Coinbase to broaden its services to maintain its competitive edge over rivals like Gemini, noting that Coinbase holds more cryptocurrencies than any other company [6]. Group 2: Financial Services Efficiency - Armstrong criticized the high fees associated with credit card transactions, suggesting that cryptocurrency can significantly reduce these costs, making financial services more efficient [4]. - The company believes it can offer better financial service products beyond just trading, enhancing the overall user experience [5]. Group 3: Industry Dynamics - Tensions are rising between traditional financial institutions and cryptocurrency exchanges regarding stablecoin adoption, with banking groups lobbying against exchanges offering interest and rewards to stablecoin holders [7]. - Armstrong condemned these lobbying efforts as attempts to stifle competition, comparing stablecoin interest from exchanges to reward programs offered by airlines and credit cards [8].

RT s4mmy (@S4mmyEth)Naver: 39 million usersUpBit: 9 million registered usersNaver consolidating UpBit into a single South Korean “Super App” is bullish for your magic internet money. ...

Market Focus - Asia is Telegram's largest market in terms of user-base [1] - The industry should not lose sight of Asia despite focusing on the US market entry for $TON [1] - Asian users and investors are well-positioned to understand the potential of Telegram and $TON as a crypto 'Super App' [1][2] Super App Potential - Tencent became Asia's first company valued over 1 Trillion USD thanks to WeChat [2] - The West and crypto are yet to produce a true 'Super App' [2] - '$TON Inside Telegram' is a strong contender for crypto's first 'Super App' [2]