Warp reposted this
Balaji Srinivasan wrote something a few years ago that completely changed how I think about building Warp. He called it "Full Stack Startups." (Screenshot attached, worth the read) The core argument: don't build a piece of the puzzle and sell it to incumbents. Build the whole thing end-to-end. That's how you see the real problems and solve them at the root. When I read this, something clicked. Employee management is a full-stack problem. But no one was treating it that way. Most payroll companies just process payments. They hand you back a list of compliance work you still need to do. State tax registrations? That's on you. Tax notices piling up? Good luck. Here's what full-stack means at Warp: 1. We don't just process payroll. We handle tax registration, compliance filings, benefits administration, onboarding. The entire employee lifecycle. 2. Most "payroll problems" aren't actually payroll problems. They're upstream issues that payroll inherits. When you own the whole stack, you fix the root cause instead of patching symptoms downstream. Why aren't there more full-stack startups? Balaji nails it: recruiting difficulty. You used to need experts across HR, tax law, compliance, benefits, AND world-class engineers. AI has collapsed that problem. A small technical team with the right AI tools can own domains that previously required entire departments. Full-stack startup, with AI. That's how we're building Warp. This thinking is exactly why we're building our own inhouse benefits brokerage. Payroll and benefits are deeply connected, but founders deal with separate vendors, separate workflows, deductions that don't sync. By owning the brokerage layer, we deliver a unified experience where health benefits and payroll actually talk to each other. Same logic is driving our investments in mobile, device management and more. When you own the stack, you keep finding new layers to own. Balaji believed in this enough to be our first check. Now we're building it. Software alone isn't defensible anymore. The next decade belongs to companies willing to own the whole stack.