building ai-native payments at @paywithsoap

NYC, USA
My instinct talks to my compliance’s instincts, its a compliance ai swarm and its fast
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𝗔𝗴𝗲𝗻𝘁𝗶𝗰 𝗦𝗗𝗥 𝗮𝘁 @paywithsoap NY/NJ · Full-time · Entry level @paywithsoap is a technology platform that provides payment orchestration and processing services for fast-growing, 𝗔𝗜-𝗻𝗮𝘁𝗶𝘃𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀, from online health and biohacking to the fun economy and e-commerce. We're hiring an SDR who 𝘂𝘀𝗲𝘀 𝗔𝗜 𝗮𝗴𝗲𝗻𝘁𝘀 𝘁𝗼 𝗵𝗮𝗻𝗱𝗹𝗲 𝗿𝗲𝘀𝗲𝗮𝗿𝗰𝗵, 𝗼𝘂𝘁𝗿𝗲𝗮𝗰𝗵, 𝗮𝗻𝗱 𝗽𝗶𝗽𝗲𝗹𝗶𝗻𝗲 𝘄𝗼𝗿𝗸. That frees you up for the part humans do best: 𝘁𝗮𝗹𝗸𝗶𝗻𝗴 𝘁𝗼 𝗰𝘂𝘀𝘁𝗼𝗺𝗲𝗿𝘀, 𝗹𝗶𝘀𝘁𝗲𝗻𝗶𝗻𝗴, 𝗮𝗻𝗱 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗿𝗲𝗹𝗮𝘁𝗶𝗼𝗻𝘀𝗵𝗶𝗽𝘀. 𝗡𝗼 𝗰𝗼𝗱𝗶𝗻𝗴 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗱. You just need to be the kind of person who automates anything repetitive. 𝗬𝗼𝘂 𝗮𝗿𝗲: 1. 𝗛𝘂𝗻𝗴𝗿𝘆 and eager to grow fast 2. 𝗢𝗯𝘀𝗲𝘀𝘀𝗲𝗱 𝘄𝗶𝘁𝗵 𝗔𝗜 𝘁𝗼𝗼𝗹𝘀 and always testing new ones 3. A great listener with 𝘀𝘁𝗿𝗼𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲 𝘀𝗸𝗶𝗹𝗹𝘀 4. 𝗘𝗮𝗿𝗹𝘆 𝗰𝗮𝗿𝗲𝗲𝗿 (𝟬-𝟮 𝘆𝗲𝗮𝗿𝘀), based in NY/NJ 𝗧𝗼 𝗮𝗽𝗽𝗹𝘆: send your resume and a short note about an 𝗔𝗜 𝘄𝗼𝗿𝗸𝗳𝗹𝗼𝘄 𝘆𝗼𝘂'𝘃𝗲 𝗯𝘂𝗶𝗹𝘁 or a tool you love.
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We’ve added Lightning payments through @voltage_Cloud, giving @paywithsoap merchants a simpler way to offer Lightning-enabled checkout without building the infrastructure themselves. Learn more: paywithsoap.com/blog/Lightni…
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October fear for most merchants isn’t ghosts. It’s a chargeback that shows up 60 days later. Turning on 3DS adds an extra authentication step at checkout, which cuts down fraud disputes and shifts liability off the merchant. Pair that with payouts that actually land on time, and October gets a lot calmer. Blanket optional at @paywithsoap. 🧡 #Payments #Chargebacks #FraudPrevention #3DSecure #Fintech
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More money is moving around sports than ever. It just isn't all going through a sportsbook anymore. In 2025, Americans wagered a record $166.9 billion through legal U.S. sportsbooks, up 11% year over year. October and November each topped $17 billion. Now a second market is growing alongside it. Combined monthly volume on @Kalshi and @Polymarket more than doubled in two months, from about $25.7 billion in May to $53.0 billion in July 2026, driven heavily by sports. In Q1 2026, prediction-market sports volume was roughly comparable to the ~$40 billion wagered through legal sportsbooks. Trading volume isn't the same as handle, but it shows how fast the category is growing. Meanwhile, sportsbook growth is flattening. The @AmericanGaming Association projects $29.5 billion in legal NFL wagering this season, essentially flat with $29.4 billion last year. The demand isn't disappearing. The places where people transact are multiplying. Switching costs are low. During the 2026 World Cup, sportsbook daily users peaked early and faded, while Kalshi's kept climbing, according to @Apptopia data. When players can go anywhere, they stay where the experience is best. And the first place they feel that experience is their money: → The deposit that clears at kickoff, not the one that fails. → The payout that arrives in minutes, not the one that takes days. → The first withdrawal that builds trust, not the one that sends a player somewhere else. This is where payments become part of the product. @paywithsoap powers the payment layer behind gaming and digital entertainment platforms, with multi-processor routing, approval-rate waterfalling, 3DS, KYC/KYB and fraud controls, so a failed transaction gets rerouted instead of lost. During football season, a slow payout isn't a back-office problem. It's a customer experience problem. The operators that win won't just have the best odds or the biggest acquisition budget. They'll make moving money feel invisible. #PredictionMarkets #Payments
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Gamers have understood stablecoins for decades. They just called them tokens, gold, or V-Bucks. A quick history of how a game idea became a payments rail: 𝟭𝟵𝟳𝟬𝘀–𝟴𝟬𝘀: Arcade tokens. Fixed value, but only inside one building. 𝟮𝟬𝟬𝟯: Second Life's Linden Dollar. A game currency you could trade back into real dollars. 𝟮𝟬𝟬𝟰: World of Warcraft gold. Players proved they want in-game value to move outside the game. 𝟮𝟬𝟭𝟰: Tether. A $1 token on public blockchains instead of one company's servers. 𝟮𝟬𝟭𝟳–𝟮𝟭: The trust problem. Regulators found Tether wasn't always fully backed. A dollar token is only as good as the dollars behind it. 𝟮𝟬𝟭𝟴: USDC. @circle and @coinbase launched it as the answer to that trust gap. Every coin is backed 1:1 by cash and short-term US Treasuries, and an independent accounting firm checks the reserves every month and publishes the report, so anyone can verify it. Stablecoins went from "trust us" to "see for yourself." 𝟮𝟬𝟮𝟱: The GENIUS Act gives US stablecoins their first federal rules. 𝗪𝗵𝘆 𝗴𝗮𝗺𝗶𝗻𝗴 𝗶𝘀 𝗺𝗼𝘃𝗶𝗻𝗴 𝗳𝗶𝗿𝘀𝘁? Gaming and sports betting already run on balances, deposits, and payouts. Card settlement takes days. Stablecoin settlement takes seconds. @paywithsoap is AI-native payments infrastructure for sportsbooks, prediction markets, and iGaming, handling payments and compliance in one place. Soap runs fiat and stablecoin rails together, so operators get faster settlement and players keep the checkout they already know. #Stablecoins #Payments #iGaming #SportsBetting #Fintech #USDC #GENIUSAct #Web3Gaming
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This week I'm in Riga meeting with clients and getting to know the fintech scene up close. Latvia has a strong payments community and I want to meet more of it. If you're here and working on anything payments-related, my DMs are open. Let's talk!
Soap Payments is traveling to Riga 🇱🇻 This week, @paywithsoap's CPO @FilipMichalsky is in Latvia's capital to meet with clients, and to explore the Old Town, the Art Nouveau streets, and the food. Are you in Riga? Let's talk payments. See you there! #SoapPayments #Riga #Fintech
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Be honest: how long did your old processor keep your money in "processing delay"? Days? Weeks? "Pending review" forever? Once you're on @paywithsoap , that's one less call you'll have to make. 👇 #Payments #PaymentProcessing #Fintech #Merchants #SoapPayments
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Mandi tried to deposit $16 into her favorite online game. Her ID says Amanda. Our previous deterministic-only fraud checks blocked her account right away. For most merchants, that's the last time Mandi ever plays. Name matching exists for a good reason: the name on the card has to match the verified player, so stolen cards don't clear. But names are messy. Nicknames, middle names, double last names, diacritics that get dropped (José vs. JOSE), suffixes like Jr., and card networks that cut long names short. A deterministic check can't tell any of that from a stranger. So every mismatch was treated as fraud, and a block was permanent. The obvious fix is "let an LLM decide." In payments, that sentence should scare you. We were afraid of a model that approves everything to be helpful, a family member's card waved through, an unblock nobody can audit. So at @paywithsoap we built an AI revenue recovery engine whose job is mostly to say no. It only runs after the deterministic check has already failed. It gets both names and a strict written policy, and it answers only one question: semantically the same name, or not? Only a high-confidence "yes" lifts the block. On a timeout or an error, it fails closed. Every unblock is written to the audit trail as performed by AI. After a soft launch in production: - 21,000+ name checks - ~4.8% of blocked payments recovered that would otherwise have been lost - Minimal latency, zero API errors It refused a family member's card, the same person retrying someone else's card five times, and a street address typed into the name field. It approved "Robert Carter Jr." against "Robert Carter", a card network that cut "Abernathy" to "ABERNATH", and a Spanish double surname the card only carried half of. It says no far more often than it says yes, and that's exactly why we trust the yeses. Built with Claude Haiku 4.5 from @Anthropic and @OpenRouter for routing. Speed and safety weren't in tension, because the guardrails were designed before the model was invited in. #Fintech #PaymentsInnovation #AI #FraudPrevention #LLM
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Lol we have moved on from agentic context engineering
Introduction to Verification Engineering In this video, you'll learn: → How to build an agentic loop with @testerarmy's e2e open source testing framework → Run this loop on every PR → What makes e2e different: deterministic AND agentic → The future of agentic development
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"How many processors are you running?" I asked that at almost every booth at @G2Eshows (G2E) this week. Most said two. A few said three. Not for better rates. For survival. One gets you dropped; the other keeps the lights on. That's the state of gaming payments in 2026: redundancy as a business model. Every extra processor means another integration, another reconciliation headache, another set of rules your players can get flagged by. And after all that, players still wait days to get paid. You shouldn't need a backup plan for your payments partner. You should have a partner that doesn't make you nervous. That's what we're building at @paywithsoap. The highlight of the week was meeting the people building what comes next. We loved connecting with @parampatel at @crshmarket. Hearing how fast his team builds and ships games was genuinely impressive, especially since Param is still in college. Teams moving that fast deserve payments that can keep up. Conversations like these are exactly why we come to G2E. #G2E #GlobalGamingExpo #GamingPayments #iGaming #Fintech
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We are basically just building RL envs for payments ops flows now + use pstack
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Every conversation at the G2E after-party. 👉👈 We @paywithsoap counted. There were 11 of us in one circle. #G2E2026 #Fintech #Payments #Gaming
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Does running an agent on my laptop while on a plane count as a cloud agent?
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Filip Michalsky retweeted
Browser evals are only valuable if they hold up on the live internet. Most evals break with site updates, bot protection, and faulty graders. We partnered with @hud_evals to write about what makes a good browser task that frontier labs actually want. Read the full post: browserbase.run/hud
Most browser evals look clean in a sandbox and fall apart on the live web. We wrote a walkthrough with @browserbase on how to write browser evals that hold up on the live web. Sites update, graders reward faked outputs, and bot detection kill your runs before the agent even starts. If you're benchmarking browser agents, your scores are probably noisier than you think. hud.ai/research/can-you-trus…
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Online gaming operators who crush it know two numbers by heart: what it costs to acquire a player, and how many of those purchases actually go through. Great games and sharp marketing bring players to the cashier. Payments decide whether that spend turns into revenue. Every failed deposit is acquisition budget you paid for and never got back. @paywithsoap process payments for operators across online gaming, sit in their onboarding calls, and watch their launches go live. The payment stacks of the winners share a blueprint: 1. They launch before they feel ready new state. new vertical. new promo. every few weeks the payments stack is live before the marketing is they never wait for the "perfect" setup 2. Every rail, but one that carries the business cards, ACH, apple pay, stablecoins. they accept it all but one rail does the heavy lifting and they know exactly which one 3. Compliance and fraud prevention, handled by the best vendors they don't build KYC, AML and fraud tools from scratch they plug in vendors who do it best so the team spends its time on players, not paperwork 4. A founder who knows the numbers ask the founder their approval rate. they know it ask about chargebacks. they know that too the ones who scale treat payments like product, not plumbing 5. Iteration over perfection they never set it and forget it they test routing, retries, MIDs, checkout flows for every tweak that does nothing, another one moves approvals 6. No fear of the fee they don't fight over basis points they fight for approval rate 10bps saved means nothing if 1 in 5 deposits fails 7. A second rail before the first one breaks every processor has a ceiling. every bank gets nervous eventually the winners add redundancy before they need it not after their only MID gets shut off on a friday night 8. Blended cost over line items they stop asking "what does this processor charge?" they start asking "what does it cost us to accept a dollar, all in?" failed payments, chargebacks, churn, support hours, lost players Scaling in online gaming isn't random it's the same pattern, repeated by every operator with skin in the game (no pun intended). Which one is your team still missing? #OnlineGaming #iGaming #Payments #Fintech #PaymentProcessing
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Excited to meet new partners and reconnect with existing partners in Vegas next week! 🎲 🎲 #G2E2026 #GamingPayments #Fintech
We're going to G2E. 🎰 @tycarlin and @FilipMichalsky are packing their bags for Las Vegas. From September 28 to October 1, Soap Payments will be at @G2Eshows. We started Soap because we believe paying should feel as seamless as playing, and there's no better place to talk about that than in a room full of people who care about it as much as we do. So if you're thinking about gaming payments, player experience, or what's coming next, come find us. Grab a coffee, pull them aside between sessions, or send us a message before the week fills up. We're here to listen, trade ideas and meet you in person. See you in Vegas. 💙 Grab time with our team here: cal.com/tyler-carlin/meet #G2E2026 #GamingPayments #Fintech
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The 4-stage emotional arc of a customer's card getting declined, retried, and clearing on the 2nd attempt because Soap doesn't give up that easy. @paywithsoap #Payments #Fintech #SmallBusiness #MerchantServices #PaymentProcessing
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