The Ledger

Every statement that passed quotation and attribution checks. Mix any filter with any other: certainty 1/5, debate potential 5/5, or both at once.

clear all ✕

why aren't all 4 resolved? a statement only gets an assessment when the public record can support or contradict it. opinions and what-ifs never can, and 0 checkable ones are still open, waiting for their date. predictions held up or didn't; assertions are supported or contradicted. on every card: ▮▮▮▮▮ certainty · ▮▮▮▮▮ debate potential. speakers are clickable

Prediction Not checkable as stated
Howery: 3% mortgage rates will probably never happen again in our lifetime
“People are not buying because everybody's still betting that they want to go back to the three percent mortgage date, which probably never going to happen in our lifetime.”
Raph Howery Jan 21, 2026 ▶ 21:26 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs
Assertion Not checkable as stated
Howery: Kukun serves 20 to 25 enterprise B2B customers
“No, it's not in the 5000. It's definitely not in the five either. We are in about the 20 to 25.”
Raph Howery Jan 21, 2026 ▶ 3:18 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs
Assertion Not checkable as stated
Kukun processes 400,000 to 500,000 monthly address requests across all clients
“I'm gonna have to guess around maybe somewhere between 400,000 to 500,000 between the big and small clients.”
Raph Howery Jan 21, 2026 ▶ 6:25 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs
Assertion Not checkable as stated
Howery: Kukun crossed $1 million in annual revenue in 2018
“I think it told on 2000 and 18, I would say.”
Raph Howery Jan 21, 2026 ▶ 17:59 Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs
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