Ampersand Labs (amprfi)

Ampersand Labs

Managing wealth through conversation. The first financial open OS for intelligent, composable & personal finance.

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❓ Ready to stop managing your wealth across disconnected systems? ❓ Feeling like investing wasn't made for the rest of us? 🏁 Next month, we’re opening Alpha Testing to a group who understands this pain and wants to help shape the future of open finance with us. If you want to take part, fill out the form on our website and join the waitlist.

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Tech trends rise and fade. Models blur into one another. But value still pools at the surface, where capital flows. Counterpoint to the Fat Protocol Thesis 🧠 Read: The Skinny Model Hypothesis 🔗 https://paragraph.com/@amprfi/the-skinny-model-hypothesis

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Web2 taught us: "the edge isn’t the infrastructure, it’s the portal." The undisputed tech leaders of the last decade (Apple, Meta, Microsoft,…) all had one thing in common: proximity to the final user. Value didn’t settle in the wires; it was captured at the surface.

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Let’s settle this. The Fat Protocol Thesis says value lives deep in the stack. Some argue it accrues where users and capital meet. Where does it actually stick? 1. Infrastructure 2. Application Layer 3. Somewhere else - your take?

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