Sam Ragsdale(@samrags_):Instant settlement is the key. Card networks are optimized for the consumer: the merchant takes all the risk. The merchant delivers the goods now and accepts T+30 settlement. They're extending credit to an agent. They must believe at the end of the month, they'll be made whole In practice, they might want to: - Calculate the agent's historical payments, historical chargebacks - KYC / KYB / KYA - Warm up period for unknown agents - Require an enterprise service agreement - Get a credit report Or... they could just use stablecoins. Instant settlement. No merchant risk. Sell to any agent today.

2026.05.07 21:28

Instant settlement is the key. Card networks are optimized for the consumer: the merchant takes all the risk. The merchant delivers the goods now and accepts T+30 settlement. They're extending credit to an agent. They must believe at the end of the month, they'll be made whole In practice, they might want to: - Calculate the agent's historical payments, historical chargebacks - KYC / KYB / KYA - Warm up period for unknown agents - Require an enterprise service agreement - Get a credit report Or... they could just use stablecoins. Instant settlement. No merchant risk. Sell to any agent today.

Dimitri Dadiomov@dadiomov

2026.05.07 17:09

I don't understand the premise that "agents must use stablecoins." Why can't an agent remember the 16 digits of a credit card? Sorry maybe I'm a payments n00b. Stablecoins have a lot of great use cases, but ecommerce shopping is pretty well optimized already for cards.