Tom Hadley

@solofounders | former @raincards @affirm @marshglobal

[Tom Hadley @thadley0]

@Jason Name one company that did this successfully?

[Tom Hadley @thadley0]

@NikMilanovic yes but this time make it stablecoin and agentic

[Noah Brier @heyitsnoah]

The bottleneck in AI is people and organizations, not technology.

[Tom Hadley @thadley0]

@dylandewdney @kuvilabs @NYSE @Vault__Summit Yes but did you make it inside?

[Tom Hadley @thadley0]

@AlexH_Johnson "Affirm and Ramp are basically the same, so one of them must be mispriced" . . . is certainly a take😂

[Tom Hadley @thadley0]

@Bfaviero @nic_carter 🎯

[Tom Hadley @thadley0]

@Bfaviero @sourceryy @Lead_Bank @jackiereses Don't even get me started on the time I tried to open a chase checking account lol

[Tom Hadley @thadley0]

An ugly product, weird market, and insane customer pull are the petrichor of startups.

A big sign that a storm is coming.

[GEOFF @geoffreywoo]

story from fundraising season:

founder shows up with ugly product, weird market, insane customer pull.

vc passes because the deck doesn’t map cleanly to last cycle.

that is literally where the money is.

[Tom Hadley @thadley0]

@EtherfuseDave Very nice!

[Tom Hadley @thadley0]

@dccockfoster https://t.co/uxzfe10xGW

[Isaiah Granet @zaygranet]

never, ever, ever, hire conflict avoidant managers or executives

[Tom Hadley @thadley0]

@geoffreywoo Very few people actually understand AI and how agents work

[sourcery @sourceryy]

Affirm CEO @mlevchin explains how credit became so exploitive:

"Buy now, pay later is a fairly old concept."

"For a long time, until the Middle Ages, you had a fairly well self-governing [system]."

"The Code of Hammurabi describes things like: don't screw your borrower, don't overcharge them."

"In the last 100 years or so, we've rapidly left the whole 'don't screw your customer' idea."

"You've gone from interest that's easy to estimate because it's simple and doesn't compound—to only really doing compounding interest."

"The majority of American banks derive a disproportionate percentage of their income from late fees."

"At some point, someone said, 'Wait a second, that's a 100% gross margin product. When I charge you a late fee, you just pay me more money. There's no cost.'"

"Over time, credit just started skewing more and more into this bucket of doing things that are not at all pro-borrower. They're just great for revenue."

"Affirm was founded in many ways to fight all of that and destroy the ridiculous and the exploitive."

[Tom Hadley @thadley0]

@kbulychev_ Down

[Tom Hadley @thadley0]

@ThomasFarley @Bullish @consensus2026 See you at @consensus2026

[Tom Hadley @thadley0]

@AlexH_Johnson Predictions markets are inherently zero sum.

Equities investing is not.

[Tom Hadley @thadley0]

@davidonchainx Send it

[Tom Hadley @thadley0]

What if our wallets looked less like casinos?

[Tom Hadley @thadley0]

To elaborate further:

There are many merchants that would prefer to accept stablecoins, but the current state-of-the-art simply fails them.

It shouldn't be this way in 2026.

[Tom Hadley @thadley0]

"Real-world businesses don't accept crypto because customers can't can't dispute charges"

[Tom Hadley @thadley0]

"Real-world businesses don't accept crypto because customers can't can't dispute charges"

[Panchu @Panchu2605]

Crypto payments have a billion-dollar problem: once you send @USDC, there's no refund. No chargeback. No buyer protection. That’s why most real-world businesses still won’t accept it.

@circle just solved it.

The Refund Protocol - on-chain escrow, three refund paths (including gasless EIP-712), and automatic debt recovery when the escrow is empty. Non-custodial. No intermediary can steal funds. Enforced entirely by the smart contract.

I wrote a full technical deep-dive on @Arc House breaking down every piece - architecture, payment lifecycle, dispute resolution, the debt system, and a builder integration guide.

Also created 5 animated explainer videos covering each concept visually.

This is post 3 in my Arc House series. Post 1 covered CCTP. Post 2 covered App Kit. This one covers the missing piece: what happens after someone pays.

Refunds are the last primitive on-chain payments were missing.

Full post here:
https://t.co/3KZV6bvmbB