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Hi, I'm Michael

Waving hand bouncing around a box

I build consumer products that make complex technology feel simple.

I’ve spent 15+ years building products across Apple Pay, Tesla, Cash App, Coinbase, and Nubank.

Today, I’m focused on the next consumer platform: AI agents.

WebsiteLinkedInX


Thesis

AI agents will change how people:

  • Shop
  • Work
  • Remember

The best products won’t feel like software.

They’ll feel like trusted extensions of our judgment, memory, and agency.


Current Focus

I’m building and studying AI-native consumer experiences across three areas:

🤖 Agents

Personal agents, autonomous workflows, multi-agent systems, and long-running loops.

🧠 Memory

Context, personalization, identity, knowledge systems, and long-term memory.

🛒 Commerce

Agentic shopping, payments, financial automation, and trusted decision-making.


Building

🚶 Two Day Club

A social accountability platform built around one rule: never miss two days in a row.

twodayclub.com

💌 P.S.

An AI-powered greeting card company that personalizes, prints, and mails beautiful cards.

ps.app

🛒 Toppp

A faster way to buy the right thing: the top 3 picks for any product, from budget to premium.

toppp.shop


Principles

I care about products that:

  • Feel magical (instead of technical)
  • Reduce complexity (instead of adding features)
  • Scale globally (without losing humanity)

Background

I’ve built through three platform shifts:

  • Mobile payments
  • Bitcoin and stablecoins
  • AI-native software

The common thread is human agency: helping people make better decisions, move faster, and feel more capable.


I’m building toward a future where technology knows you, works for you, and makes you more free.

About

Michael Rihani — consumer product leader focused on AI agents, commerce, payments, and digital assets.

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