@tmrwfinance's first investor update went out last week and several people encouraged me to post it publicly. So here it is...

Dear Investors,

I love people.

Tomorrow is inspired by my love for people and the one thing every person I’ve ever met has desired: for tomorrow to be better than yesterday.

That’s where both the idea and the name come from.

Those of you who have known me longer also know that my name “Abhi” means right now in Hindi. There’s a small irony in shaping my life around Tomorrow after years of practicing and preaching about here and now, but I like the contrast of it.

That idea of a better tomorrow is under threat today. Doom and gloom around AI is the consensus.

We’re shaping our work and mission here around three questions we’ve been asking ourselves over the last year.

Our first question: What if the consensus narrative on AI is wrong?

Tomorrow is an ambitious counter to the consensus narrative on AI. What if the intelligence explosion produces unprecedented leverage and opportunity? What does the builder at the center of this infinite leverage and opportunity look like?

We predict that it will enable the rise of the rebel, the misfit.

She’s non-standard, an outsider, and an upstart. She’s been trying, constantly, without giving up.

She’s in Lagos, has customers in Dhaka, and collaborates with artists in Kyoto. She’s the one-person company they’ve been talking about. She’s a creative builder.

Tomorrow is in service of these creative builders building tomorrow.

We are currently witnessing the rise of one-person leverage.

Intelligence is now a utility, compressing the work of fifty into one. Creators are the original one-person company.

With permission-less and unbounded access to generative media, coding and autonomous agents, creators are transforming into a new kind of creative builder.

Our second question: What is the missing piece in the AI leverage stack?

Capital is central to the idea of a better tomorrow. It’s the thing that turns ideas into business, dreams into reality. Without access to capital, it’s extremely difficult to get things off the ground and build something economically productive. A talented person with no capital is just a person with an idea.

A math teacher sells her one-on-one exam coaching on Whop; a newsletter writer builds a media business on Substack; a film student self-publishes a documentary series investigating Pacific marine life on YouTube.

This is the shape of the new economic activity.

The existing financial system is designed for the old shape of work: banks, W-2s, checking accounts, and net-30 payouts. It doesn’t work for the creative builder.

Tomorrow makes capital intelligent, borderless, and on-demand.

Our third question: What do we want the world to look like in this era of infinite one-person leverage?

We see a world where the cost of building, running, and growing a business collapses.

Care services for people with one specific autoimmune disease. The talk-to-the-dead service. An 8-episode docudrama with you and your ex in an alternative reality. The memory-keeper that turns your life into a continuously updated narrative your grandchildren will read. The reputation-defender agent service that drafts responses to everything written about you online.

The long tail.

The company building these new businesses is no longer a vessel for many people’s labor; it’s a vessel for one person’s taste, vision, and ambition.

We see a world run by creative builders where capital is no longer a blocker.

It’s an unlock, like water, electricity, and intelligence: available on demand with one click, no matter where you live, what you’re building, or who you are.

In this world, finance lives online and on-chain, is permissionless and intelligent, embedded in your daily workflow, with the rest of your AI stack.

Tomorrow’s mission is to maximize human fulfillment with financial innovation.

About Tomorrow

Tomorrow is a financial technology platform for creative builders. Our first product is non-dilutive revenue-share financing for creators secured against digital revenue streams from platforms such as YouTube, Whop, Patreon, Roblox, etc.

With on-chain credit, we’re doing for the creative builder what mortgages did for homeowners, LLCs did for corporations, and securitization did for consumer credit.

By transforming the creative builder into an investable asset class, we will kick off a new capital markets buildout for the post-AI economy.

Our Values

• Don’t blow up

We don’t abide by the “move fast and break things” philosophy of startup building. Our #1 rule at Tomorrow is to not blow up. DeFi is going through a tumultuous time regarding fund safety and security. We stand on the shoulders of giants and aim to learn from others’ mistakes.

This means we may, at times, prioritize slow and steady over fast and reckless.

• Impact-driven

We believe that the fundamental measure of our success will be the degree of impact we have on our customers’ success. Tomorrow wins when the creative builder wins. The strength of our economic model will be tightly correlated with our ability to deliver wins for our customers. We aspire to align all current and future employees and investors on our impact-driven way of thinking.

• Long-term

We have a vision of the world we’re building and there are many paths to get there. It will not be easy, and sacrifices will have to be made. We will prioritize hiring, product, brand and investment decisions that deliver long-term market leadership vs. short-term profitability.

• Good financial stewards

We aspire to be our investors’ best investment and excellent stewards of their money. We work hard and ground ourselves in moderation. We spend every dollar carefully and judiciously.

• Confident and sincere

Unlike a large public company, we have the luxury to be highly confident and wrong. We use that as a strength and build high conviction on things we choose to work on. We’d rather be high-conviction and wrong than low-confidence and directionally correct.

Thanks for helping build Tomorrow.