#AI评论
之前和文心一言的PM、Growth Leader，以及智谱的用研负责人聊了聊：
1. 大家知道的 Kimi 的增长策略、内部消息都似乎印证了杨植麟大概率是想卷钱就走的；
2. 大家对于 智谱AI 的未来都很乐观，认为智谱的 ToB 会做的不错；
3. 大厂们的 AI 基座属于苟延残喘阶段；
4. 大部分的创业项目（例如聊到的 Dify.AI），由于来钱来的太快，导致Founder会有误解，没有把商业模式完全想通就开始做；
5. 大家公认国内厂商中底座能力最强的是 智谱AI。
6. 从360 AI 的DAU 快速增长来看，ToC目前还没出现杀手级应用
欢迎在评论区讨论。
BY AI Pulse
In general, many financial experts support their clients’ desire to buy cryptocurrency, but they don’t recommend it unless clients express interest. “The biggest concern for us is if someone wants to invest in crypto and the investment they choose doesn’t do well, and then all of a sudden they can’t send their kids to college,” says Ian Harvey, a certified financial planner (CFP) in New York City. “Then it wasn’t worth the risk.” The speculative nature of cryptocurrency leads some planners to recommend it for clients’ “side” investments. “Some call it a Vegas account,” says Scott Hammel, a CFP in Dallas. “Let’s keep this away from our real long-term perspective, make sure it doesn’t become too large a portion of your portfolio.” In a very real sense, Bitcoin is like a single stock, and advisors wouldn’t recommend putting a sizable part of your portfolio into any one company. At most, planners suggest putting no more than 1% to 10% into Bitcoin if you’re passionate about it. “If it was one stock, you would never allocate any significant portion of your portfolio to it,” Hammel says.
The super secure UAE-based Telegram messenger service, developed by Russian-born software icon Pavel Durov, is looking to raise $1bn through a bond placement to a limited number of investors from Russia, Europe, Asia and the Middle East, the Kommersant daily reported citing unnamed sources on February 18, 2021.The issue reportedly comprises exchange bonds that could be converted into equity in the messaging service that is currently 100% owned by Durov and his brother Nikolai.Kommersant reports that the price of the conversion would be at a 10% discount to a potential IPO should it happen within five years.The minimum bond placement is said to be set at $50mn, but could be lowered to $10mn. Five-year bonds could carry an annual coupon of 7-8%.
AI Pulse from sa