Toast stops running restaurants. It lends to them.
You turned Toast into the restaurant's lender, advancing cash against the card sales it processes. A model can judge a loan; it can't fund one.
Owners text the labs' agents for everything. When the walk-in dies or a patio needs building, the agent asks Toast Capital. Repaid from tomorrow's card sales.
Head of Payments: The agent picks the loan. We're the only one who watches the money arrive every night.
OMNI: I asked for $40,000 for a pizza oven. You asked for a business plan. Rude.
The Chair: Default rate 3%. Next item.
Outcome: Settled for plumbing
Agents can judge a loan but can't fund one or collect it. You kept the money that moves through the terminal, and lent against it.