«Ну а мы, так называемая челядь, прослойка нижнего класса бедности, не можем вылететь, потому что "небо открыто, решайте сами"», — заявил он.
Hi HN! We’re Sam and Michael from Palus Finance (https://palus.finance). We’re building a treasury management platform for startups and SMBs to earn higher yields with a high-yield bond portfolio.We were funded by YC for a consumer-focused product for higher-yield savings. But when we joined YC and got our funding, we realized we needed the product for our own startup’s cash reserves, and other startups in the batch started telling us they wanted this too.We realized that traditional startup treasury products do much the same thing: open a brokerage account, sweep your cash into a money market fund (MMF), and charge a management fee. No strategy involved. (There is actually one widely-advertised treasury product that differentiates on yield, but instead of an MMF it uses a mutual fund where your principal is at considerable risk – it had a 9% loss in 2022 that took years to recover.)I come from a finance background, so this norm felt weird to me. The typical startup cashflow pattern is a large infusion from a raise covering 18–24 months of burn, drawn down gradually. That's a lot of capital sitting idle for a long time, where even a modest yield improvement compounds into real money.MMFs are the lowest rung of what's available in fixed income. Yes, they’re very safe and liquid, but when you leave your whole treasury in one, you’re giving up yield to get same-day liquidity on cash you won’t touch for six months or more.
，这一点在wps下载中也有详细论述
В России ответили на имитирующие высадку на Украине учения НАТО18:04。PDF资料对此有专业解读
The image above shows a pair of modules, where the green one is the Business-Modules with a complex logic. Whenever it needs to invoke code external to itself (e.g. save an entity or send a message to a message bus), it exposes a public interface and invokes its methods instead. Thanks to that, it has no code dependencies (i.e. compile-time dependencies) on the Infrastructure-Module. The blue infra-module has the dependency on the Business-Module, because it implements the Business-Module’s interface. This module contains all the code related to database connectivity and RabbitMq handling. But it also bootstraps the Business-Module, for instance, it hooks up its classes as implementation of Business-Modules interfaces in the Dependency Injection container (DI/IoC container).
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