Tom D

Amazing! Way to go @raincards team!

@ShiftyMunkey9 @KASTxyz Nice card and watch

Look what arrived today Now i can spend in style

@Zack_Shooter Ugh - my request to neobanks would be please don't do this

Request for neobanks:

If this post below sounds like a scam, it's because it is a scam.

Maybe cruise ships are part of the problem? Maybe packing several thousand people on a floating hotel is an ideal way to spread infectious diseases?

@thetyl0413 @lopp Who said benefitting you as the user was a company's goal?

@tdelet @lopp Why the fuck should I need to own a modern phone with malware installed on it to be able to browse the net on my computer? How does that benefit me as the user?

Oh hell naw. Privacy conscious internet users are being demoted from 2nd to 3rd class netizens.

I run Compensation Analytics for a Fortune 500 company. My job is to calculate the lowest salary you'll accept. Not the salary you deserve. Not the salary the role requires. Not the market rate. The minimum number that keeps you from walking. I know this number before you walk in. Sometimes before you apply. We buy data. Your payroll processor shares your salary history with Equifax through a product called The Work Number. More than 800 million employment and income records. Updated every pay cycle. Equifax sells it to us through a "verification of income" API. The word "verification" means we know what you made at your last three jobs, whether you got a raise, and when you didn't. That's market intelligence. We layer signals. Credit card utilization. Payday loan activity. Past-due balances. Delinquent debt. Address changes. There are about 500 vendors that aggregate this data now. An audit by the Washington Center for Equitable Growth flagged 20 as high-risk for enabling algorithmic wage discrimination. Sixteen of the twenty plug directly into payroll and HR systems. We use nine. The dashboard has a field called "candidate tolerance threshold." That's the number. The lowest salary you'll accept. We set the offer at 3% to 6% above it. Enough to feel like negotiation. Not enough to change your life. That's compensation design. The academic term is "surveillance wages." The industry term is "compensation optimization." A law professor named Veena Dubal found that when multiple employers in the same market use the same vendors, it functions as de facto price-fixing of labor. Same mechanism as the RealPage rental pricing scandal. Same logic. Same outcome. RealPage coordinates rents. Our vendors coordinate salaries. Different commodity. Same extraction. That's the market. Here's what the algorithm sees when you apply. Your last three salaries. Your debt-to-income ratio. How quickly you accepted your previous offer. Your zip code. Whether you've used a payday lender in the last two years. It calculates your reservation wage and sets the offer just above. Your performance doesn't set your salary. Your desperation does. A new VP of Total Rewards asked me why the algorithm used payday loan history. I explained that payday usage correlates with financial fragility, and financial fragility predicts acceptance velocity. She asked if that was legal. I said it was standard. She asked whose standard. I showed her the vendor's compliance page. She transferred to a different division. That's organizational learning. Colorado introduced a bill to ban the practice. HB25-1264. It would prohibit using payday loan history, location data, and search behavior to set algorithmic pay offers. The companies lobbied against it. The same companies that told their employees they don't use surveillance wages. A state representative asked the obvious question: "If these companies don't pay surveillance wages, then what is the problem of codifying in law that you're not allowed to?" The lobbyists provided written testimony. They said the bill would create "compliance burden." They did not answer the question. That's advocacy. The data flows in one direction. We know your salary trajectory. You don't know ours. We know what you'll settle for. You think you're negotiating. The algorithm already accounted for your counter. It budgeted for exactly one round. There is a freeze option. You can go to Equifax's website and freeze your Work Number file. Most people don't know it exists. We don't mention it in the offer letter. We don't mention it in the onboarding packet. We don't mention it in the benefits portal. We don't mention it anywhere. That's by design. The system requires your ignorance to function. If everyone froze their data, compensation optimization would have nothing to optimize. I froze mine the week I started this job. I work in Compensation Analytics. I know what the tools see. I just build them for everyone else.

@SwitchMetaX @Thebitcoinbarb1 @thisisarculus ICP is supported. Noting the other 2.

@tdelet @Thebitcoinbarb1 @thisisarculus DRC-20, Kaspa, ICP

I have 2 of these. Vintage @thisisarculus cold storage wallets.

@mudkipz32 @eric_stanek @lopp captchas suck and apparently they are getting worse

@eric_stanek @lopp @tdelet you will be locked out of online banking at minimum along with other financial services like tax filing services and online exchanges. Likely also social media, including X and Youtube. Probably everything else if you live in the US or Europe, Canada, and Australia.

@SwitchMetaX @Thebitcoinbarb1 @thisisarculus What tokens are you looking for?

@Thebitcoinbarb1 @thisisarculus I wish they had more coin/token support.

My latest deep dive with a full collection of stablecoin card program enablers is out. If you were looking for a provider to launch: • stablecoin-linked cards • crypto debit cards • treasury spend cards • embedded finance products • cross-border stablecoin payment flows This guide breaks down the infrastructure landscape in one place. I covered: • @NiumGlobal • @raincards • @Stablecoin • BVNK • @stripe • @BaanxGroup • @KulipaXYZ • NAKA • Reap • StraitsX • @gnosispay • @ChainUpOfficial • @thisisarculus • @wirexapp And more. The report also explains: • MiCA and GENIUS Act implications • on-chain vs fiat settlement • JIT conversion models • compliance and Travel Rule requirements • chargeback risks • tax reporting challenges • liquidity and slippage management • agentic commerce implications Most conversations around stablecoin cards still focus on hype. The harder question is operational: Who actually enables issuance, settlement, compliance, liquidity, custody, and global acceptance? That is what this deep dive maps out. Save this article. You will likely come back to it multiple times if you are building in stablecoins, payments, embedded finance, or card infrastructure. open.substack.com/pub/samboboev/…

FYI, whenever you see someone posting nonsense about backing up with a "decentralized wallet" or "Web3 backup" they are scammers trying to steal you assets.

@9990100t @neilhar Sounds perfect

@tdelet @neilhar Portugal and Spain are really pretty boring.

I’m thinking about moving out of New York for the first time in my life. Where are most people moving to these days? open to suggestions

@AriEiberman It's metal, but just the wrong shape to fit in your wallet :)

POV: the cashier asks how you’d like to pay 💰

@neilhar Agree - Diem (the original vision) was a great idea. I wonder who is going to step up & try the basket again. I'd model it after the IMF SDR for simplicity (imf.org/en/about/facts…) (obviously modified if I couldn't get Renminbi)

Libra was a revolutionary vision – several years too early and a set of regulators dead set against it. Glad to see it being run back again in a more favorable environment. Assuming we will see many more join in on this in the next few years

If you ever see a post like this one - "decentralized wallet" or "web3 backup" - it's a scam. They will steal your coins every time.

Real portable self-custody where you hold your own keys is the answer. getarculus.com qz.com/aws-data-cente…

@AriEiberman A bank?

An app built on blockchain tech, but: - It doesn't mention crypto - It doesn't show blockchains deposits - It doesn't call a dollar with a T or a C - It doesn't ask for wallet signature (SIWE) - It doesn't force you to save 12 words - It doesn't need a gas token - It doesn't promote a TGE Who is building this?