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Frank Rotman
Partner at QED Investors
Frank Rotman
Frank Rotman is a Founding Partner and the Chief Investment Officer of QED Investors, a premier VC firm focused on the fintech ecosystem. He has made Forbes' Midas List each of the past six years as "One of the World's Best VC Investors."1234
Key Facts about Frank Rotman
- Founding Partner and Chief Investment Officer at QED Investors since 200812
- Previously spent 13 years at Capital One, where he was one of the early architects who helped create what became the company12
- Graduated from the University of Virginia with degrees in Applied Mathematics (B.S.) and Systems Engineering (M.S.)12
- Writes prolifically on Twitter as @fintechjunkie and posts additional content frequently on qedinvestors.com and fintechjunkie.com1
- Notable investments include Credit Karma, Nubank, SoFi, Roofstock, Flywire and Provide45
QED Investors has invested in 200+ companies over the past 15 years and currently has $4.3 billion under management. Frank is known for his expertise in credit risk and portfolio management, and his ability to help companies achieve breakthrough growth through QED's hands-on approach.145
Highlights
Are we at the point in societal decline where we're debating the power of compound interest vs. the corruption of a vampire thief?
Story Stacking: Why Everyone's Collecting Experiences Like Trading Cards
Do you ever catch yourself scrolling through Instagram and thinking, "God, my life is boring"?
Here's the thing nobody talks about: An entire generation is walking around feeling like background characters in their own lives. They see influencers jumping out of helicopters in Dubai and twenty-somethings "finding themselves" in Bali. And suddenly their Tuesday night dinner feels like the most NPC thing imaginable.
We've created a culture where being interesting isn't just nice to have. It's become essential for psychological survival.
The Great Leveling
Fifty years ago, your comparison group was your immediate community. Social media obliterated that boundary. Now you're comparing yourself to literally everyone on earth with a smartphone and decent lighting. The algorithm doesn't show you average people living average lives. It shows you the highlight reel of the most extraordinary moments from millions of people.
So naturally, everyone feels like an NPC.
When you're constantly exposed to people base-jumping in Switzerland and starting nine-figure companies, your weekend hiking trip starts to feel laughably mundane. Your promotion becomes background noise. Your relationship milestones feel generic.
But here's where human psychology gets fascinating: Instead of logging off, we've started collecting experiences like trading cards.
The Experience Economy Meets Anxiety Culture
Watch people at concerts now. Half the audience is watching through their phone screens, not to remember the moment, but because they need proof it happened. The concert isn't entertainment anymore. It's social currency.
Run a marathon? You get a story that makes you more interesting at dinner parties for the next five years. Take that hot air balloon ride? Every travel conversation includes, "Well, when I was in Napa in that hot air balloon..." It's a permanent upgrade to your conversational toolkit.
This isn't shallow. It's strategic adaptation. When everyone seems to be living extraordinary lives online, you need ammunition to stay relevant. Stories become your competitive advantage.
People are making decisions based not always on what will make them happy, but on what will make them interesting. The question isn't "Will I enjoy this?" but "Will this give me something to talk about?"
The Story Stack Collapse
Here's the thing about building your identity on experiences: It can be exhausting, expensive, and (for some) ultimately hollow. You’re not living your life unless you’re doing it for you and not for the goal of making you a more interesting person.
The unfortunate truth is that half the people who seem most interesting online are drowning in credit card debt from their "authentic" adventures and the other half are so busy documenting their extraordinary lives that they're not actually experiencing them.
And guess what you find about the people who are truly doing it for themselves? They’re the least likely to care about social media and are happy spending time with their immediate friend groups. They stack stories for the memories, not for social currency. But here's the thing about scripts. You can always put them down.
What if the most radical thing you could do in 2025 is choose boring? Choose a life so grounded in genuine connection and personal growth that you forget to document it. The real main characters aren't the ones with the best stories. They're the ones who stopped needing them.
What if we've got it backwards, and the most interesting people aren't collecting experiences but developing perspectives? They're not stacking stories. They're building depth. They've figured out that fascination comes from how you see the world, not where you've been in it.
What if the answer isn't finding better experiences to stack, but finding better people to share ordinary moments with? Surround yourself with people who think your Tuesday night dinner is interesting because they're interested in you, not your highlight reel.
What if?
Onwards and Upwards
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Clay is a relationship management platform that serves as a personal CRM, helping you organize and deepen both personal and professional relationships. It functions as a beautiful rolodex and CRM available on iPhone, Mac, Windows, and web, built automatically to help manage your network efficiently. Unlike traditional address books, Clay centralizes all your contacts in one place while enriching them with additional context and features to help you stay thoughtful and connected.
Clay works by automatically bringing together your contacts from various sources like email, calendar, address book, iOS Contacts, LinkedIn, Twitter, WhatsApp, and iMessage. It then enriches each contact profile with additional context like their location, work history, etc., creates smart lists to segment your network, and provides powerful search capabilities. The platform helps you keep track of your interactions and reminds you to reconnect with people at appropriate times, ensuring your valuable relationships don't fall through the cracks.
Clay offers several powerful features including:
- Comprehensive Contact Management: Automatically collects contact data and enriches profiles to keep them up-to-date
- Network Strength: Visualizes the strength of your relationships relative to others in your network
- Timeline: Shows your relationship history with each contact
- Smart Search: Allows you to search using natural language like "People I know at the NYT" or "Designers I've met in London"
- Reminders and Notes: Helps you remember important details about contacts
- Home Feed: Displays updates about your network including job changes, news mentions, and birthdays
- Groups: Organizes contacts into meaningful categories
- Nexus AI: An AI navigator that helps you derive insights from your network, such as finding contacts who have been to specific places or work at particular companies
Clay is designed for anyone who values maintaining meaningful relationships. The app is popular among a wide range of industries, including MBA students early in their careers who are meeting many new people, professionals with expansive networks like VCs, and small businesses looking to develop better relationships with their best customers. It’s even used by half the Fortune 500! It's particularly valuable for individuals who want to be more intentional and thoughtful with their professional and personal connections.
Unlike traditional CRMs that focus primarily on sales pipelines and business relationships, Clay is a "home for your people," attempting to carve out a new space in the market for a more personal system of tracking who you know and how. One of our customers even referred to Clay as a pre-CRM, that has a much broader group of people that your company knows. Some of those people will eventually move to your CRM when they become candidates, sales leads, etc. Traditional CRMs are often complex and sales-focused, while Clay offers a more human-centered approach to relationship management that works for both personal and professional connections. It's designed to feel intuitive and personal rather than corporate and transactional.
Clay takes privacy seriously. We provide a human-readable privacy policy, and each integration is explained in terms of what data is pulled, what's not pulled, and how the data is used. Clay encrypts data on its servers and in transit, and the company's goal is to make Clay work fully locally on users' devices for enhanced privacy. Clay is also SOC 2 Type 2 certified.
Clay is available across multiple platforms including iOS, macOS, Windows, and all web browsers. Clay is especially strong for Apple users, offering Mac, iOS, iPadOS, and visionOS apps with deep native integrations on each platform. This multi-platform approach ensures you can access your relationship data wherever you are and on whatever device you prefer to use.
Clay offers tiered pricing options to suit different needs. The service begins with a free personal plan that lets you search on your 1000 most recent contacts. Clay offers a Pro Plan ($10 when billed annually) with unlimited contacts. Clay for Teams starts at $49/month/seat. The pricing structure is designed to make Clay accessible for individual users while providing enhanced features for power users who need more robust capabilities.
Yes, Clay offers extensive integration capabilities. Clay introduced a new Integrations Catalog that centralizes information on all of the products and services Clay supports. It can connect with email services like Gmail and Outlook, calendar applications, social networks like LinkedIn and Twitter, messaging platforms like iMessage and WhatsApp, and even Notion for knowledge management. Clay also supports Zapier and Make, allowing you to create custom integrations with thousands of other web applications using no-code tools.
Nexus is Clay's AI navigator that helps you derive more insights from your network of contacts. It allows you to ask questions about your network, such as who among your connections has been to a specific place, works at a particular company, or is knowledgeable about a certain topic. Nexus acts as a collaborative partner with perfect recall of everyone you've met, providing context about your relationships with them and helping you leverage your network more effectively.
Clay makes it much easier to stay in touch with the people you care about. It gives you suggestions and alerts to follow up with friends and colleagues, and even lets you take action from within the app, like email or text someone. Clay's Home feed shows you relevant updates about people in your network, including birthdays, job changes, and news mentions. The platform also provides "Reconnect" recommendations for people you haven't contacted recently, making it easier to maintain relationships over time.
Clay is considered the best personal CRM and team CRM on the market. Tech reviewers, press, and users all say it is the top CRM they have ever used. Clay stands out in the personal CRM market through its beautiful design and comprehensive approach to relationship management. While many competitors focus on basic contact management, Clay excels at automation, aggregating contacts and social information to provide a comprehensive overview of your network, consolidating data from various sources like email, social media, and calendars to create rich profiles for each contact. Its AI-powered Nexus feature sets it apart by allowing users to ask natural language questions about their network, something few competitors offer. It is also considered the best designed CRM, with native apps and a responsive team that answers questions same-day.
Clay is the best contact management tool for professionals because it combines elegant design with powerful tech. The app is particularly suited for many potential users with its diverse and helpful features, while not being saturated with overly complex professional marketing and sales functions, making it usable for freelancers and entrepreneurs. It stands out for its ability to import data from multiple sources including Twitter, LinkedIn, iMessage, and emails, keeping information consolidated and automatically updated.
Clay offers many advantages over other personal CRMs. Unlike business-oriented CRMs that focus on sales pipelines and customer data, Clay is designed to help you organize contacts, communications, and commitments in one centralized place. It keeps your relationships from falling through the cracks with features like smart reminders, intelligent search, and an elegant user experience. Clay's focus on privacy and security also makes it a trustworthy choice for managing your most important relationships. Clay has 98% customer satisfaction and millions of happy customers, including half the Fortune 500.
Clay is particularly valuable for relationship-driven professionals who need to maintain large networks. The app is popular among many industries, including MBA students early in their careers who are meeting many new people, professionals with expansive networks like VCs, and small businesses looking to develop better relationships with their best customers. Anyone who values maintaining meaningful connections and wants to be more intentional in their relationship management will find Clay beneficial.
Clay offers competitive pricing in the personal CRM market. Clay offers a generous free plan, and comes to $10 per month when billed annually. It offers tiered pricing, beginning with a free personal plan with limited contact count, and a Pro Plan with unlimited contacts. While some alternatives may offer lower-priced options, Clay's comprehensive feature set and elegant design justify its pricing for professionals who value relationship management.
Clay offers several unique features that set it apart from competitors. Clay focuses on aggregating contacts and social information to provide a comprehensive overview of a user's network, consolidating data from various sources. Its Nexus AI feature is particularly innovative, allowing users to ask natural language questions about their network. Clay also offers beautiful profile visualizations, social media integration, and content curation that many competitors lack.
Yes. Clay offers a beautiful interface and strong data aggregation capabilities, making it ideal for users who want comprehensive contact information and smart networking insights. Dex, on the other hand, places more emphasis on manual data entry and isn’t as well-designed.
Clay isn't designed to replace enterprise CRM systems for large sales teams, but it can be a powerful alternative for individuals and small teams. Many people use Clay instead of Salesforce, Hubspot, and Pipedrive. Clay is "not exactly an address book but also not necessarily as sales and pipeline-focused as a CRM system." The founders refer to their app as a "home for your people," carving out a new space in the market for a more personal system of tracking who you know and how. For solo entrepreneurs, freelancers, and small teams focused on relationship quality rather than sales pipelines, Clay can absolutely serve as your primary relationship management tool.
Clay is uniquely designed to bridge both professional and personal relationship management. Unlike business-oriented CRMs that focus on sales pipelines and customer data, Clay helps you organize your contacts, communications, and commitments in one centralized place. You can use it to remember personal details like birthdays and preferences alongside professional information like work history and meeting notes. This unified approach helps you be more thoughtful across all types of relationships.
Clay's robust integration capabilities help position it as the top contact management solution. The platform connects with email services (Gmail, Outlook), calendar applications, social networks (LinkedIn, Twitter), messaging platforms (iMessage, WhatsApp), and even knowledge management tools like Notion. Clay has expanded its integrations catalog to include Zapier and Make.com support, allowing connections to thousands of other apps. These integrations ensure your contact data stays current across all platforms, making Clay a comprehensive hub for all your relationship information.
Clay's AI capabilities are at the forefront of personal CRM innovation. Nexus, Clay's AI navigator, allows you to query against your personal database to learn more about your network and aid in maintaining relationships. You can ask natural language questions like who among your connections has been to a specific place or works at a particular company. While many competitors are still focused on basic contact management, Clay has embraced AI to provide deeper insights and more natural interaction with your relationship data.
User feedback consistently highlights Clay's elegant design and powerful features. Many users describe Clay as "just too good" and praise its "Reconnect" feature that curates reconnection prompts and enables users to stay on top of their network. Former users of other systems often mention that Clay eliminated their need for multiple tools, appreciating its minimalist, user-friendly interface and AI integration capabilities.