Joe Hoffend

After using multiple prediction market platforms, here are some product ideas that I feel would improve the user experience:

if ya know ya know

@mcagney “Auto sweep my idle stables into $YLDS” Dollar cost averaging: “Buy $50 of $HASH every Friday” “Generate me a report of all new RWAs every week”

What are the key skills you want your wallet agent to be able to perform? I have 1.) allocate across these defi platforms to earn the highest yield with daily liquidity, 2.) produce a 1099 for me for the defi allocations I made in 2025, and 3.) buy me tickets from EWR to SFO tomorrow. What else is super important to you?

@mcagney No assets idle - find and utilize the best strategy for each token in my portfolio. Lending out tokenized equity, rotating stakeable assets into LSTs, etc. Ability to set rules: “Take moderate risk and beat SOFR by 7%, don’t use protocols less than 6 months old”

@mcagney Wallet should allow for intent based inputs. IE: “I want to go 5x long Bitcoin with a stop loss of 10% and a take profit of 20%” “I want to bet on ‘X’" and it finds the prediction markets this is possible in

Toly gets it

Hastra and real yield via PRIME coming to you everywhere! Let's go!

Go get some real yield y’all, you deserve it!

We are excited to announce our partnership with @credibly360! Credibly will be bringing loans and merchant cash advances onto Democratized Prime. Through our robust blockchain-native ecosystem, we will be providing the required rails. This means more capital, now coming on-chain.

OpenWorld has agreed with @Figure to tokenize our equity on Figure's OPEN network - in connection with our proposed @Nasdaq listing. Direct ownership. Yield on lent shares. Cross-collateralized crypto and equities. We go first. businesswire.com/news/home/2026… #RealWorldAssets #Tokenization #Blockchain

Solana just flipped Ethereum in RWA Lending Deposits and RWA-backed loans🔥 A meaningful portion of that growth is driven by demand for PRIME on Kamino, where users are actively deploying real, composable yield. That same model is coming soon to EVM via @Morpho Vaults, curated by @SentoraHQ ; let's see if that tips the scales⚖️

Today at Sessions, @Stripe introduced streaming payments on Tempo. A single agent run produced thousands of sub-cent transactions onchain, with payment landing the instant each token was burned. Metered, paid for as it ran. The infrastructure for pay-per-use at scale is here.

@lui1of1 @HastraFi @Figure

v2 is going to support rates markets that scale and few assets on solana have scaled like $PRIME Excited to work with @HastraFi and @Figure to grow RWAs on Solana

Babe look the new @reidlikeabook pod just dropped youtu.be/IATqv4BRohk?si…

@altcap @American_Heart Got mine a couple weeks ago! 🙏🏻 thank you for raising awareness

Heart attacks are the #1 killer in America & the CAC scan is the mammogram for the heart. We need widespread scans - 15 mins & $150 can save your life! Highest ROI in healthcare. Working hard to make CAC scan the standard of care paid by insurance. 🤍🇺🇸 @American_Heart

Needs some $FIGR AND solana:3b8X44fLF9ooXaUm3hhSgjpmVs6rZZ3pPoGnGahc3Uu7

@kamino @Figure @Hastra

Kamino's PRIME market grew from $0 to $600M+ in market size in ~4 months, making it the largest RWA market in DeFi. That growth demonstrates how Kamino's credit infrastructure can scale real-world assets on Solana. Using @figure's proven infrastructure, @Hastra is now expanding into a new asset class: yield from tokenized auto loans, coming soon to Kamino.

@reidlikeabook “Accredited investor”

"Investor protection" that gates access by wealth isn't protection. It's regressive. Lottery tickets, sports betting. No minimums. Stocks? $25K. Let ALL people lose their money how they choose. What other "protection" rules are really just wealth gates?

@reidlikeabook It is inevitable

Don’t build RWA unless you (A) know the market inside out and (B) did the maths. I keep meeting new teams building RWA products every week. But bringing assets on-chain is not a strategy on its own. The only reason to do it is if blockchain creates a real structural advantage: lower cost, faster settlement, better transparency. And in practice, you only spot those advantages if you know that market super deeply – not from research alone, but from having spent years in it and understanding where the inefficiencies sit. I’ll keep coming back to this example, because what @mcagney and the team at @Figure built is a very clean illustration of what “doing it right” looks like. 1) Origination side Figure did not reinvent HELOCs (home equity line of credit). It reinvented the economics of producing them by bringing them on-chain. • HELOC origination cost: $11,000 → $730 per loan • Break-even loan size: $367K (tradfi) vs $25K (Figure) They found a segment where: • average loan size is above their break-even • but below what traditional lenders can profitably serve → that gap becomes the market. Result: • 55% EBITDA margins. A real, working business model • ability to scale volumes much faster • ability to attract external originators because the economics are clearly better. @AGORA_Data is a good example here, now using Forge to originate auto loans for its clients, and we as investors can already finance those loans through the Figure Markets app (with KYC), and soon through @HastraFi (no KYC) as well. 2) Investor side Then comes capital, and this is where blockchain also matters. Figure improves: • Speed: settlement from 15–30 days → 5 days • Capital efficiency: less idle time before deployment. At a 5% opportunity cost for a 100m allocation, a 15-day delay means 20 bps annualised drag • Intermediation: removing layers like warehouse lenders, securitisation conduits, trustees, etc. All of this adds up to 100-200 bps improvement for investors. • • • • • Once both sides improve, you get a vertically integrated system: origination → underwriting → issuance → distribution → servicing → reporting. Not just tokenisation, but a more efficient capital market end-to-end. That’s why Figure works: • real product • real revenue • clear advantages for both originators and investors • and actual scalability • • • • • This is the (only) type of model that really works in Web3 – and exactly what we want to explore at Onchain, Honestly – the new pod we are launching with @AleaResearch. • • • • • Therefore, the playbook is simple: • find a structural inefficiency • model the unit economics and margin profile properly • make sure blockchain improves both supply and demand • gather a team that has real experience in that exact niche • have a very clear view on how this scales Only then build and raise capital.

If you want to be an innovator, you have to be comfortable looking stupid for a long time. You’re going to piss some people off and you’re going to get a lot of nos. That’s the only way to start having valuable breakthroughs.