Elon Musk posted this on twitter "There was an overpressure event in the upper stage liquid oxygen tank. Data suggests counterintuitive cause."
I watched it live.
If you watch launches regularly, you knew it was doomed from take-off.
The LOX quick disconnects never closed properly, most likely caused by the over-pressurization that Musk refers to.
It appeared that both stages were streaming LOX, but that the first stage was consuming it fast enough to delay an immediate problem at take-off.
You can see the LOX streaming unhindered from the moment of disconnect of the lines at lift-off.
The leakage never subsided and appeared to cause a pressure increase at the top of the LOX tank.
Notice in the seconds before explosion how the rocket casing at the upper end of the second stage LOX tank appears to swell, the second stage LOX tank access panel blows off next (and is seen flying through the exhaust trail), and then all hell breaks loose.