Affirm SVP of Product Vishal Kapoor shares 10 non-negotiable rules for harnessing AI to build products that are clear, secure, and fundamentally honest.

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Affirm SVP of Product Vishal Kapoor outlines 10 principles for building AI-powered products that maintain user trust and honesty. Key rules include applying first-principles thinking, staying close to customer emotions, treating AI as a team member rather than a replacement, spiking on edge cases, tracking counter metrics alongside success metrics, failing fast through rapid prototyping, using creativity as a competitive advantage, blurring functional silos so PMs and designers can build, fostering safe experimentation culture, and avoiding 'AI slop' by prioritizing simplicity and transparency. Kapoor draws on Affirm's fintech context—where financial trust is paramount—and references tools like Figma Make, Cursor, Claude, and the Figma MCP server to illustrate how AI accelerates prototyping without sacrificing product integrity.

Vishal Kapoor’s 10 rules for building honest products with AI

1. Put a high premium on first-principles thinking

7. Use creativity as a competitive advantage

8. Blur functional silos and treat everyone like a builder