Tokenless

Tokenless

Stop Making Your Customers Click Approve - Emil Chetty, Wise

Interactive discovery

Explore the topic map

Follow the connections between themes, people, and ideas across the Tokenless archive in an interactive topic modeling map.

Open the map Browse posts

Machine Learning

View All
Judge a Transaction by the Company It Keeps — Somya Rai & MD Sharique, EXL

Judge a Transaction by the Company It Keeps — Somya Rai & MD Sharique, EXL

EXL developed an advanced fraud detection system that augments XGBoost with Graph Neural Network (GNN) embeddings. Traditional tabular models struggle to capture fraud signals residing in transaction neighborhoods. The system's innovative design includes meticulous sampling strategies, disjoint monthly graph construction for leakage control, and a GraphSAGE architecture that aggregates mean, max, and standard deviation of neighbor features to detect subtle fraud patterns. Emphasizing explainability for regulatory compliance and analyst trust, it also features a highly optimized serving architecture achieving 3ms P99 latency, pivoting to edge prediction to reduce cache footprint from 60GB to 2-3GB. This led to a 27-33% relative lift in true positive rates and a projected $65 million incremental fraud capture.

From 15% to 90% GPU Utilization: Fix the Data Pipeline, Not the Model

From 15% to 90% GPU Utilization: Fix the Data Pipeline, Not the Model

Tarun Sunkaraneni from Amazon AGI shows how a multimodal SFT pipeline that spent about 85% of its time waiting on data was brought to roughly 90% GPU utilization. He walks through concurrency with asyncio and Ray actors, prefetching, zero-copy transfer via Ray's object store, and a network-card bottleneck that appears only at scale, and argues that the hardest part of training throughput is often keeping GPUs fed rather than optimizing the model.

Small Models, Big Results: Training a Finance Agent for Under $500 — Charles Dickens, Snorkel AI

Small Models, Big Results: Training a Finance Agent for Under $500 — Charles Dickens, Snorkel AI

Snorkel AI and UC Berkeley's Sky Computing Lab show that a 4B Qwen3 model, trained with reinforcement learning for under $500 using the rLLM framework, beats its 235B sibling on expert-validated financial question answering built from SEC 10-K filings. The talk covers the FinQA dataset construction and verification, common failure modes of frontier models, transfer to multi-table and general tool-use tasks, and ablations showing that simple data and binary rewards outperform more elaborate setups, since the real bottleneck is disciplined tool use rather than reasoning depth.

Artificial Intelligence

View All
Bringing Continual Learning to Every Company: Trajectory’s Ronak Malde

Bringing Continual Learning to Every Company: Trajectory’s Ronak Malde

Ronak Malde, co-founder of Trajectory, argues that agents need to learn continuously from real-world experience instead of relying on offline batch updates. He covers how training custom models has become accessible to companies, two research directions (Group Size-1 GRPO and a meta-grader for reward propagation), the Harvey and Rogo results, the distinction between continual learning and recursive self-improvement, and a vision of product builders as gardeners who shape products that grow on their own.

Why Waiting for the Next AI Model Can Pay Off - John Stecher, Blackstone & Scott Worland, Norm AI

Why Waiting for the Next AI Model Can Pay Off - John Stecher, Blackstone & Scott Worland, Norm AI

Blackstone CTO John Stecher and Norm AI CTO Scott Worland discuss how to build AI agent systems that remain useful as models improve. They cover why data strategy and straight-through processing come first, how to weigh ROI against waiting for a better model, how evals anchor financial-services work, and why Norm rebuilt its platform after a large hand-labeled eval set exposed the cost of over-engineered code.

How We Took an AI Agent From 41% to 97% Accurate - Milind Sunil Shah, Brainbase Labs

How We Took an AI Agent From 41% to 97% Accurate - Milind Sunil Shah, Brainbase Labs

Milind Sunil Shah of Brainbase Labs presents a six-step framework for improving back-office agents, illustrated with a Domino's project that tracks competitor pizza prices across websites and delivery apps. Accuracy rose from 41% to 97%, cost per source fell from $2 to $1, and run time dropped from 129 to 71 minutes, all through instructions, skills, and playbooks rather than a new model. The talk covers kickoff, ontology, benchmarks and evals, a narrow first agent, iteration, and handing off the full loop.

Technology

View All
What iPhone Packaging Reveals About the Robotics Opportunity

What iPhone Packaging Reveals About the Robotics Opportunity

Tutor Intelligence CEO Josh Gruenstein explains why robotics is a systems problem spanning AI, hardware, manufacturing, and customers, and how deploying robots into real factories and warehouses, with human tutors as backup, generates the data that makes them more capable. The discussion covers the company's own robot designs, its focus on small and mid-sized businesses, the economics of flexible robotic labor, and the implications for American manufacturing and supply chains.

Why Founders Are Betting Big on Factories, Mines, and Energy

Why Founders Are Betting Big on Factories, Mines, and Energy

Erin Price-Wright and Connor Love unpack the AD50 and the rebuilding of America's industrial base, covering how defense demand is financing manufacturing capacity for commercial markets, how AI is reshaping factory economics, how a new generation of founders applies lessons from SpaceX, Tesla, Anduril, and Palantir to mining, energy, and manufacturing, and why private capital is now willing to fund physical infrastructure before government demand is guaranteed.

Mark Cuban’s Plan to Make Healthcare Affordable

Mark Cuban’s Plan to Make Healthcare Affordable

Mark Cuban and Julie Yoo discuss how transparency, direct contracting, and AI could reshape healthcare economics, from Cost Plus Drugs and modular pod manufacturing to personalized medicine, the future of physicians, and advice for founders who want to use AI to learn rather than to stop thinking.

Recent Post

China is killing the US on energy. Does that mean they’ll win AGI? – Casey Handmer

China is killing the US on energy. Does that mean they’ll win AGI? – Casey Handmer

Casey Handmer explains why the massive energy demand from AI will be met not by the grid or natural gas, but by vast, off-grid solar farms, and what this energy singularity means for the future of civilization.

The Current Reality of American AI Policy: From ‘Pause AI’ to ‘Build’

The Current Reality of American AI Policy: From ‘Pause AI’ to ‘Build’

a16z's Martin Casado and Anjney Midha detail the dramatic shift in U.S. AI policy from a 'pause AI' stance, fueled by doomerism and flawed analogies, to a pro-innovation 'win the race' strategy. They discuss how China's progress shattered illusions of a U.S. lead, the strategic business case for open source AI, and the pragmatic promise of the new AI Action Plan.

Balancing Coupling in Software Design • Vlad Khononov & Sheen Brisals

Balancing Coupling in Software Design • Vlad Khononov & Sheen Brisals

Author Vlad Khononov discusses his book "Balancing Coupling in Software Design," explaining how a failed microservices project led him to rediscover timeless design principles from the 1970s. He explores the concepts of local vs. global complexity, the role of modularity as an antidote to complexity, and how managing coupling is crucial for building maintainable systems in any architectural style, from monoliths to cloud-native applications.

Perplexity’s bid for Chrome, Grok Imagine and GPT-5 check-in

Perplexity’s bid for Chrome, Grok Imagine and GPT-5 check-in

Experts from IBM discuss Perplexity's audacious bid for Google Chrome, analyzing it as a strategic marketing move and debating the browser's future as a key platform for enterprise AI. They also explore the future of generative video, questioning if it's a consumer or enterprise feature while highlighting critical IP and ethical hurdles. Finally, they assess the GPT-5 release, countering claims of an AI plateau and discussing user attachment to older models and the shift towards software-defined AI systems.

Traditional vs LLM Recommender Systems: Are They Worth It?

Traditional vs LLM Recommender Systems: Are They Worth It?

This summary explores Arpita Vats's insights on how Large Language Models (LLMs) are revolutionizing recommender systems. It contrasts the traditional feature-engineering-heavy approach with the contextual understanding of LLMs, which shifts the focus to prompt engineering. Key challenges like inference latency and cost are discussed, along with practical solutions such as lightweight models, knowledge distillation, and hybrid architectures. The conversation also touches on advanced applications like sequential recommendation and the future potential of agentic AI.

Encrypted Computation: What if Decryption Wasn’t Needed? • Katharine Jarmul • GOTO 2024

Encrypted Computation: What if Decryption Wasn’t Needed? • Katharine Jarmul • GOTO 2024

An exploration of encrypted computation, detailing how techniques like homomorphic encryption and multi-party computation can enable machine learning on encrypted data. The summary covers the core mathematical principles, real-world use cases, and open-source libraries to build more private and trustworthy AI systems.

← PreviousNext →

Stay In The Loop! Subscribe to Our Newsletter.

Get updates straight to your inbox. No spam, just useful content.