Ten Percent a Day: Inside the Personal Agent Race
9m | Sep 28, 2026Why are invites to a free product selling on eBay for $300? This episode digs into the first long interview with Noah Shinn, founder of Instinct - a personal AI assistant with no app that you text, call, or email like a person. Invite-only, zero marketing spend, growing ~10% a day, with over $1B a year in transactions already flowing through it.
We cover the wildest real use cases, the trust numbers (40% of users share a credit card within 3 weeks; 80% retention after the first sensitive connection), agents coordinating with other people's agents, why he refuses an ad model, the take-rate bet, which businesses win or lose in an agent-rich world, and the compute math that keeps a founder up at night.
An independent synthesis and narration of the Invest Like the Best conversation "Noah Shinn - Building Instinct: The Personal Agent" (EP.493), hosted by Patrick O'Shaughnessy - this is not the original recording.
Source episode: https://colossus.com/episode/instinct-the-personal-agent/
Original post: https://x.com/patrick_oshag/status/2104542892073095398
