"We crossed $4 billion in annualized volume within four years." @milliemyang grew up between Hong Kong, London, and the US before studying at Columbia and joining Stripe as an engineer. She spent four years there expanding payments across Asia Pacific, where she met her co-founder Pong. They kept running into problems with legacy banking rails and realized that stablecoins could replace the infrastructure they were fighting against. In 2022, they left to build around that thesis, going to every business they could find and asking what they actually needed. What came out of those conversations became @breezedotcom, an AI-powered merchant of record that settles through stablecoins while keeping the experience fiat in and fiat out for consumers and businesses. The platform delivers 95%+ approval rates on first attempts. It also fully indemnifies chargebacks, absorbing the loss and fighting disputes automatically with AI agents that run around the clock. Millie's full conversation with @drewrogers: 02:20 - Introducing Breeze 03:47 - Four years at Stripe across three continents 05:24 - Meeting her co-founder Pong 07:55 - The pivot that shaped Breeze 10:50 - The most underappreciated layer in payments 13:20 - What chargeback indemnification means 15:14 - Crossing $4 billion in volume 16:44 - Why agentic payments are already here 19:57 - The checkout page has to change 24:26 - Stablecoins: bull case vs bear case 26:46 - Where fiat still wins over crypto 30:08 - Why Breeze settled on USDC 33:30 - The ideal Breeze customer today 37:37 - Apple, digital goods, and the 30% fee 41:55 - Breeze as Intelligence 44:07 - When agents become your team 46:43 - How AI is changing the shape of work Episode 0056. Presented to you by @altitude