Jacob Ford

Building credit for stablecoin users.

[Jacob Ford @uv_jacob]

Stablecoins have been the missing piece for a global credit product.

Millions of people now earn on better payment rails.

All of them have made their financial life better and their access to credit worse.

Nobody has built the credit layer for them yet. https://t.co/E2BAM6Upoq

[Jacob Ford @uv_jacob]

@enudi_chukwuka Rates low for now, but e fit no remain like this, since na still our early preview be this. But no worry, our rates go always dey competitive.

[Jacob Ford @uv_jacob]

Been building this out with a smaller set of test users. Now opening it up to more people.

[Ultraviolet @UVcredit]

Over the last few weeks, we’ve been trialling CreditLine with @minipay users.

- Open CreditLine in MiniPay.
- Get an approved credit limit in seconds.
- Borrow USDT directly to your balance.

We’re opening early access to more people now. Sign up at https://t.co/jATB8ssw4P.

[Jacob Ford @uv_jacob]

@nikitabier Software is already probabilistic. You ever used Jira. Will most of it be broken today or just some of it the unpredictability of it was a feature. They were ahead of their time.

[Jacob Ford @uv_jacob]

@proofofjake_ 🥁 Circle?

[Jacob Ford @uv_jacob]

@ricoChvmpvgne @UVcredit DM ser I can take a look.

[Jacob Ford @uv_jacob]

This is the thing I wanted to exist: credit against the crypto you already hold, without selling it and without posting collateral.

It's live as an early preview. We're letting people in slowly, so sign up and you'll get an access code by email.

[Ultraviolet @UVcredit]

Early preview is live.

Connect a wallet, get a USDC credit line, and borrow against what you already hold. No collateral, no credit score.

Sign up, and we'll email you an access code.

https://t.co/thT997d1VR

[Jacob Ford @uv_jacob]

@petergyang You should build something on top of OpenTelemetry to log your sessions; then you can delete and refactor unused or misused skills with more confidence. I built a small package that does this, but it's fairly easy to just ask Claude to do it.

https://t.co/wMTLB1A9GR

[Jacob Ford @uv_jacob]

The biggest upgrade to my Claude setup has been creating this package to track, review and improve my coding sessions.

I wanted to answer basic questions like what skills fired and which didn't, which files it kept reading, and why things took so long.

The magic was when I found a part of the app where Claude read 18 files for every file it edited. It was hunting for context and taking forever.

So with telemetry, I got Claude to write a skill that recommended mapping features to files. Read-write ratio has dropped from 18:1 to 3:1. Sessions are much faster, more accurate and cheaper.

There's no dashboard. It's just an MCP tool, so you can ask Claude to use telemetry, and it reads the session history and then gives you suggestions.

https://t.co/Cef0oIzVTT

[Jacob Ford @uv_jacob]

@lechriss17 Not a neobank, but I have an unsecured loan product for you; sent you a DM. @UVcredit

[Jacob Ford @uv_jacob]

@criptolawyer gm

[Jacob Ford @uv_jacob]

If you used PayPal in the mid-2000s, you might recognise our method of verifying @Plasma accounts on UV.

[Jacob Ford @uv_jacob]

You can connect your Plasma card from the "Wallets" tab.

You can't sign transactions to prove ownership with a Plasma wallet, so I stole an OG PayPal idea with a "one-time passcode" transaction.

Transfer the exact amount to your UV address on Plasma, and that will verify your ownership.

[Jacob Ford @uv_jacob]

You can connect your Plasma card from the "Wallets" tab.

You can't sign transactions to prove ownership with a Plasma wallet, so I stole an OG PayPal idea with a "one-time passcode" transaction.

Transfer the exact amount to your UV address on Plasma, and that will verify your ownership.

[Jacob Ford @uv_jacob]

New users have a finite amount of energy before they bounce. The job is getting them to the magic moment first.

On Ultraviolet, it's connecting your wallets and cards and getting a credit line.

So I've moved KYC out of the way. You can now connect your wallets, see your line, and you only need to KYC once you decide you want to borrow.

[Ari Eiberman 🇦🇷 @AriEiberman]

I really like the @sovra_money onboarding. Instead of pushing the KYC they let you see and deposit/withdraw USDC
If you are happy with app and support probably you will KYC

Time to wow is what closes most deals. In B2C or B2B payment partners.

[Jacob Ford @uv_jacob]

@zaheerebtikar @Plasma mashallah

[Jacob Ford @uv_jacob]

@ar7ur0medina92 @ether_fi Want to try out a credit app for your EtherFi card? dm me 🤝

[Jacob Ford @uv_jacob]

@mzeller @ether_fi You are in the prestigious group of users who borrow. 🤣

Mildly interesting: only 8% of users borrow, and they outspend the other 92% two to one

[Jacob Ford @uv_jacob]

@VynseDev This is the best riff on the outbid concept! Refreshing 🙌

[Jacob Ford @uv_jacob]

@SuperstateInc @rleshner @therollupco og

[Jacob Ford @uv_jacob]

@lukaivicev —

[Jacob Ford @uv_jacob]

@lmrankhan more credit onchain 🤝

[Jacob Ford @uv_jacob]

@otus_finance boring is good, excitement = risk