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I think it's just explaining the difference between comms/collab being a supporting thing vs the only thing? It doesn't seem intended to be deep to me, but it's a little verbose.

Yeah but I think you'd be hard pressed to find a company that thinks comms/collab are the only thing.

It's not about "thinking", but behaving and acting as one.

My ISP (Spectrum) is also blocking it as suspicious...it's kind of funny that they haven't migrated the blog to SSL

It's definitely not 140ms round-trip. Issuer processors typically have a ~2.5s window for approval.

In practice, the POS sends a message to the acquirer processor -> hits the network -> is sent to the issuer processor, and back again.

https://medium.com/wharton-fintech/the-anatomy-of-the-swipe-...


yeah, if the card is an EMV chip card, and might also have a SVA so everything is handled between the terminal and card, it can be blazingly fast.

In EU they use of offline PIN was used massively before PSD2 and contactless, that made the terminal request during the time it took for validating the transaction online, and basically as soon as the PIN was ok'ed by the card that confirmed the transaction. That gave a perception of speed.

Now it's basically online PIN mostly or contactless, but that means you perceive a "wait for an ok", that you had before but was masked by the PIN capture and check on device/card.

So we went a bit backwards for cards, but wallets like ApplePay went a bit forward. You win some you lose some I guess


Yes, just like Jony Ive has been doing


It can make/take phone calls[0], but they need to be prompted on the nature of the call, the data they need, and how to collect it. They can also output the results of the call via API. An AI agent from Masterworks recently called me using this technology.

[0] https://vapi.ai/


You generally want to IPO (and fundraise in general) at the most favorable terms possible — not when there are market headwinds.


Not if you see the IPO as your only remaining exit strategy for a juggling act that is threatening to rain down on your head when it collapses


> $8k contract → 5% equity

Surely this is a typo, and you mean 50% equity?


We detached this comment from https://news.ycombinator.com/item?id=46859274.


Fintech of that cohort is trading poorly, if they haven't found a way to survive post-ZIRP. Many have not.


> I started this post out mostly trolling, but the more I've thought about it's not a terrible idea.

I feel like this is the unofficial Go motto, and it almost always ends up being a terrible idea.


for more terrible ideas in 2026 then!


Data brokering is a good business model, actually


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