Matt Janiga ✓

@regulatorynerd · California, USA · joined 24 Feb 2016

Payments stuff at Modern Treasury. Former Stripe, Square, Lithic, Cap One. Views are mine, and not my company's.

11 277Followers

9 932Following

18 004Posts total

96.4KViews on collected posts

Against accounts of the same size

9 posts from the last 90 days, next to the 10K–100K follower range. shown widely, but few of those viewers react.

Median views1 259this account980median for 10K–100K

Reach, %11.16%this account3.27%median for 10K–100K

Engagement, %1.08%this account2.01%median for 10K–100K

Metric	This account	Median for 10K–100K	Ratio
Median views per post	1 259	980	1.28×
Reach (views ÷ followers)	11.16%	3.27%	3.41×
Engagement rate	1.08%	2.01%	0.54×

Others in this range → Compare with another account → How these benchmarks are built →

Growth & engagement

How the posts we collected actually performed: views and reaction rate post by post, what the audience did with them, and where the follower count goes.

Views per post

82217 Dec

824

532

556

280

6614 Sep

14.2K

253

32.3K

151

1.6K

1.3K5 Sep

1.8K

393

Last 14 collected posts, oldest on the left. The scale is logarithmic: one post can outrun the rest a hundred times over.

Engagement rate per post

1.82%17 Dec

0.85%

0.56%

1.08%

1.79%

1.21%4 Sep

1.08%

1.19%

0.15%

1.99%

0.06%

0.56%5 Sep

1.32%

1.02%

Reactions — likes, reposts, replies and quotes — divided by views. Median for 10K–100K accounts is 2.01%.

What the audience does

Likes79.6%555 in total

Reposts1.6%11 in total

Replies11.9%83 in total

Quotes1.1%8 in total

Bookmarks5.7%40 in total

Share of every reaction we collected for this account. Replies mean argument, reposts mean endorsement, bookmarks mean the post was worth keeping.

Followers by day

5 Sep

Daily snapshots since 05 Sep 2026; the dashed line is the starting count.

Latest posts

Wife saw me watching this and asked why I don’t use AI to look like Zac Efron. Responded it’s because she only lets me have a ChatGPT Go subscription. She told me I should use ChatGPT Go to look up how to make the couch more comfortable to sleep on. 393 views · 3 likes · 0 reposts · 1 replies 05 Sep 2026 · Open on X →

How i'm going to get ripped in 90 days https://t.co/38JO6H8FaT 1.8K views · 20 likes · 0 reposts · 3 replies 05 Sep 2026 · Open on X →

Wonder if the CEO of AMC knows who he’s picking a fight with. https://t.co/pg0GfvtLnH 1.3K views · 4 likes · 0 reposts · 3 replies 05 Sep 2026 · Open on X →

@iampaulgrewal @regulatorynerd @DanGallagherDC Dan Gallagher used his office as a weapon Fuck Dan Gallagher He is a thief and a piece of shit 1.6K views · 0 likes · 0 reposts · 0 replies 04 Sep 2026 · Open on X →

@regulatorynerd What’s the value here 151 views · 2 likes · 0 reposts · 1 replies 04 Sep 2026 · Open on X →

@regulatorynerd Must be that common Jesuit education @DanGallagherDC. The Society of Jesus didn't teach backing down from what's right, did it? :) 32.3K views · 42 likes · 2 reposts · 4 replies 04 Sep 2026 · Open on X →

@regulatorynerd You sure it's legal though? How hard is it for a US person to buy a Robinhood tokenized AMC share that's *reads fine print* not available to residents of the US? 253 views · 2 likes · 0 reposts · 1 replies 04 Sep 2026 · Open on X →

I was worried that Paul Grewal leaving Coinbase would leave a vacuum in bad-ass public company GCs willing to vigorously defend what's legal and right. But apologies to former Commissioner Gallagher — I was not familiar with your game. Value is built by finding what's novel, 14.2K views · 137 likes · 5 reposts · 12 replies 04 Sep 2026 · Open on X →

Stoked to see @CoyoteACMEMovie with my family on Monday. Warner Brothers was going to kill this awesome John Cena and Will Forte film for tax credits, smothering it the way they did Bat Girl. Fans made a stink and they sold it to a different distributor instead. It's a h 661 views · 7 likes · 0 reposts · 1 replies 04 Sep 2026 · Open on X →

@regulatorynerd @ModernTreasury @ModernTreasury you guys just made a brilliant move. Payments is a brutal space, that’s as hard as any in the law. And you just saved yourselves from lots of headaches with this hire. 280 views · 5 likes · 0 reposts · 0 replies 17 Dec 2025 · Open on X →

9/ The result is that Modern Treasury now has the stablecoin functionality found with other major companies, and marries it with the deep fiat payments experience that these other companies often lack. 556 views · 5 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

10/ And I’ve joined to help. In 2026, Modern Treasury will be the only forever payments platform in the United States. Get a quick start if you’re trialing payments. And when you want, shift to the same robust platform that powers publicly traded companies like Procore and Navan. 532 views · 2 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

11/ We’re heads down testing stablecoin, ACH, wire, RTP, FedNow and card rails for push, acceptance and pull payments with our design partners. You can be one of them by going here https://t.co/BA8tkWUWmr 824 views · 6 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

12/ I’m also excited because as a cranky, old money transmission lawyer I have a lot of learning to do on the stablecoin side. We’ll be sharing my learnings from time to time, and you can read those by signing up for Modern Treasury's Journal. https://t.co/puTFhsVCZ6 822 views · 10 likes · 1 reposts · 4 replies 17 Dec 2025 · Open on X →

7/ And there’s another big issue in the industry. Stablecoin providers don’t fluently speak Fiat (yet). Fiat payments companies don’t fluently speak stablecoin. And sometimes neither of them work at all. 589 views · 5 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

6/ Modern Treasury has learned a lot over this journey, and something @dadiomov, @mattgmarcus and @samaarons picked up is there’s still a need for a turnkey B2B payment offering. Too many companies are gated — not on MT’s software or sales — but on banks or other providers. 639 views · 3 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

8/ Modern Treasury took a huge leap forward in its payments journey when it brought on @mottice and the team from Beam. Dan, Amanda and the rest of Beam have fantastic vision for how stablecoins can enhance payment use cases. Not to mention relentless drive and passion. https:// 620 views · 5 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

4/ If you haven’t built payments products, I can’t stress how true this is. I saw @thefriley rightfully invest a ton in ledgering so Square could manage its payments, unlocking the company's IPO. And consultants make fortunes selling the same to other companies. https://t.co/x 781 views · 7 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

5/ Modern Treasury gives you those powers via battle-tested software that helps large and high-growth companies process hundreds of billions in payment volume each year. It’s the best offering for companies with existing bank relationships and multiple processors. https://t.co/dU 698 views · 5 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

3/ Modern Treasury has solved hard payments challenges for years. The company grew up around the fact that building products that move money is hard, spurred by the team’s experience at prior companies. Here's historical footage of companies trying to manage payments before MT. 896 views · 7 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →

1/ I’m excited to announce my next adventure in startup land. Earlier this month I joined @ModernTreasury. https://t.co/amZoWbNjwg 35.5K views · 268 likes · 3 reposts · 43 replies 17 Dec 2025 · Open on X →

2/ I’ve spent the past few months looking for the right next thing. Along the way, Derek Schwede, Modern Treasury’s Head of Legal, shared he was looking to build up expertise in the payments space. 982 views · 10 likes · 0 reposts · 1 replies 17 Dec 2025 · Open on X →