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260 karma · joined February 3, 2020

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usehackernews··on Stripe will reportedly acquire OpenRouter for $7B+
Braintree is antiquated. Sure it’s not Chase payment tech, but it’s closer to them than it is close to Adyen, Checkout and Stripe.

I shudder when I hear Braintree

usehackernews··on CFTC declares market emergency, orders Kalshi to continue to operate in New York
If you’re a Houston bar owner dependent on post game traffic, there would be risk of them losing.

There are a thousand of exchanges that have no risk on my life, but that doesn’t mean they don’t impact others.

usehackernews··on The death of partying in the USA
It depends.

My dad pushed me to play a sport I despised. Hated it from when I was young all the way to my last games.

But thank god he did. Changed my life completely. As a mediocre student, I could pick any school I wanted.

Love my dad, and he knew what was best. Even if I hated playing, it was all worth it.

Parents should set their kids up for success, and parents do know best - even if that means upsetting your child.

There’s a difference between what someone wants and what’s best for someone - and during my teens, I had that mixed up.

usehackernews··on Master the Art of the Product Manager 'No'
As a PM, I factor this into prioritization. An engineer passionate for a product will lead to better engineering output, increased morale, and feeling of being heard. A motivated, bought-in engineer team is important when it comes to building the ‘high impact’ products.

Prioritization isn’t always black and white.

These qualitative factors matter and shouldn’t be ignored. As always, you weight it against other trade offs.

usehackernews··on PayPal (USA) will automatically share data about you to participating stores
It’s not different. It’s a direct competitor.

These new wallets are all to compete with Apple and Google Pay.

usehackernews··on PayPal (USA) will automatically share data about you to participating stores
We do allow customers to check order status based on order id. I was just using an example.

The only information paypal is sharing is name and shipping address. We’re aren’t talking significant data here.

usehackernews··on Christopher Columbus may have been Spanish and Jewish, documentary says
There are indications he may have been raised Jewish, and later converted to Catholicism. Or, converted but still close to Judaism.

His choice to set sail for the New World on August 2, 1492, the exact date ordained for the expulsion of Jews from Spain does suggest he may have not converted yet.

Further, It's also known that the family profession was weaving, a traditionally Jewish profession at the time and that Jewish given names like Abraham and Jacob were common in the family of Columbus' mother.

One of the hypothesis from the dna analysis says:

> hypothesis proposes that Columbus was a Jew from the Mediterranean port city of Valencia. His obscure early life, according to this theory, can be explained by the fact that he sought to hide his Jewish background to avoid persecution by the fervently Catholic Spanish monarchs.

usehackernews··on Columbus' DNA suggests he was a Sephardic Jew from the western Mediterranean
What’s so strange about this? Columbus is one of the most important explorers in history, but his past, and resting place had been unconfirmed - even his birthplace was unknown.

500 years later after multi-year dna study, we now have the information and it paints a very fascinating picture. He left Spain in August, the same week that Jews were kicked out. This explains why he left Spain. He was known as a catholic, but it’s now clear this was due most likely due to forced conversion.

History is important, and this is a significant dna study that sheds light on the legacy of a key figure.

usehackernews··on PayPal (USA) will automatically share data about you to participating stores
I work in Payments.

This must be related to their new product - Fastlane.

Fastlane is an express checkout product, similar to ShopPay. Even if you have never used a website, you authenticate with OTP and all your information (Address & Payment Methods) is available.

Originally, merchants could not use this data to make customer accounts. This was not ideal for us merchants as there was no method to login to track your order information.

PayPal came to me this week saying they were updating their legal agreement to allow merchants to create customer accounts.

(Express checkout options will soon be everywhere - Stripe, Shopify, PayPal, Zelle/Paze are all competing in this space now)

usehackernews··on DOJ accuses Visa of monopoly that affects price of 'nearly everything’
These are called ACH return codes and are similar to disputes on credit card.

Liability is on the receiving or the originator institution. But in practice, it depends on the contract with the “processor”. Many Pay By Bank “processors” offer a guarantee model to cover these returns. Otherwise, liability is typically on the merchant.

However, Nacha is beginning to iterate on their return codes to better fit the e-commerce use case and clearly define liability.

usehackernews··on DOJ accuses Visa of monopoly that affects price of 'nearly everything’
It does.

A2A / Pay By Bank is a growing payment method.

Merchants will begin incentivizing it due to the cheaper costs relative to cards.

We’ve implemented it and I’ve presented to the largest websites in the world about the opportunity as we are one of the early adopters.

You’ll start to see it much more frequently.

usehackernews··on Hezbollah hand-held radios detonate across Lebanon, sources say
If they didn’t consider civilians, they could have been a lot more effective. But, they targeted combatants devices, which also limits the destruction capability of the bomb.
usehackernews··on DoorDash, Grubhub, and Uber deploy subpoenas to squash advocacy, press
This may be controversial but the cost it would require for a restaurant to replicate what DoorDash/Grubhub provide is less than the fee they are charged by these companies.

Advocating to cap the fee they are charged for a service is restaurants having their cake and eating it too.

Overall, DoorDash/Grubhub have been a net positive for these businesses.

To hire a manage a delivery driver workforce, staff enough drivers to ensure reasonable service levels, manage an online ecommerce storefront, and market their business is very expensive.

If the fee is too high, they can just turn off the service. There’s a reason why they don’t simply turn it off. The value is reciprocated.

usehackernews··on Ask HN: Are you still using your Vision Pro?
NBA already offers the ability to watch games via VR. It’s a 180 degree camera set up court side.

> it would be entirely non-immersive because moving your upper body

Not sure what you mean by this?

Even so, it’s not about perfect immersion. It’s about having the best view of the game sitting from home.

usehackernews··on Show HN: Khoj – Chat offline with your second brain using Llama 2
Interesting, this is the exact question that came to mind for me. This would address a pain point for me.

Does anyone have recommendations for a tool that does it?

Or, anyone want to build it together?

usehackernews··on Developer tools to create spatial experiences for Apple Vision Pro
Completely true.

What I’m most excited about is to see what people do with the UX.

We are no longer confined to windows that scroll up, down, left, and right.

Application’s now have depth, and the spatial concept will mean the way we view and interact with applications will change completely.

I’m very excited for this.

usehackernews··on Cormac McCarthy has died
Cormac got me back into reading as an adult.

I read The Road and I was astounded. Still have yet to read another book I’ve liked as much, but at least he got me reading to find it!

usehackernews··on Show HN: Duffel (YC S18) – A faster way to sell flights
What immediately came to my mind for me are ticket/event websites and travel blogs. Allow your customers to book travel to the event or to the location you mentioned directly through your site.
usehackernews··on Ask HN: What are your predictions for 2023?
The bitcoin one I’d disagree with, it was quite easy to see the drop.

It never hit 12k, but my target was always 17k, which it did hit. I publicly told many people who asked when it was around 50k to wait for 17k.

Simple analysis made this quite clear - The last three crashes had an 85% drop in price, based on the trend, 17k was the target.

I don’t see it going to 5k, to this point, the crash has followed historical precedent - going to 5k would not follow historical precedent.

Guess we’ll find out, one of us will be wrong.

usehackernews··on Chess Investigation Finds U.S. Grandmaster ‘Likely Cheated’ More Than 100 Times
You probably could have made your point without posting the GitHub link with the exact means to do so.

I imagine there is one chess cheater reading this that will use your repo soon.

usehackernews··on The Ethereum merge is done
This isn’t crypto “hype.” It’s not going to impact the price of Ethereum. At least it’s not hype in my opinion. It’s just an impressive engineering feat.

Given crypto isn’t going to die tomorrow, it’s good to see Ethereum has sunset the combustion engine for the EV (Proof of Work -> Proof of Stake). Even if you hate Ethereum, reducing electricity usage of the network by 90%+ is admirable.

usehackernews··on The AI Unbundling
The combination of recommended media (TikTok) and generated media (SD) makes me believe this future is inevitable.

Content will be created specifically for you.

usehackernews··on Ask HN: Does anyone else think SQL needs help?
I want to train a language model (or use existing ones) to translate question to query for trivial questions.

I find 80% of queries that people want across a company are trivial.

I’d have saved myself many many hours over the years if people could just ask a question in natural language rather than asking me to write a query.

usehackernews··on Run Stable Diffusion on Your M1 Mac’s GPU
Magnusviri[0], the original author of the SD M1 repo credited in this article, has merged his fork into the Lstein Stable Diffusion fork.

You can now run the Lstein fork[1] with M1 as of a few hours ago.

This adds a ton of functionality - GUI, Upscaling & Facial improvements, weighted subprompts etc.

This has been a big undertaking over the last few days, and I highly recommend checking it out. See the mac m1 readme [3]

[0] https://github.com/magnusviri/stable-diffusion

[1] https://github.com/lstein/stable-diffusion

[2] https://github.com/lstein/stable-diffusion/blob/main/README-...

usehackernews··on 1Password delisting forum posts critical of their new Electron based 1Password 8
I’m confused, so you’re saying BW is superior in every way because they don’t have features that don’t drive meaningful revenue?

Your response to the commenter who pointed out ways in which BW is inferior was to ignore the user benefit and say they don’t drive even revenue.

usehackernews··on LastPass: Notice of Security Incident
On Lex Friedman’s podcast with former CIA spy Andrew Bustamante, Andrew stated that the French spy agency is the top in the world with this type espionage.

He said they put all their resources into industrial espionage and it’s pretty much their only focus.

usehackernews··on Ask HN: DALL-E was trained on watermarked stock images?
I don’t believe we will lose the capability to create new original styles. If a prompter can describe the creation of a new style, the AI can create it. Using both iterations of image & text prompts, unique styles will come.

The thinking is still done by the human prompter.

usehackernews··on One of the ML mistakes that will hurt most: not collecting the right features
I’m a product manager - The company (medium sized public company) I was at previously asked me how we could better utilize machine learning in our products.

I spent a month writing and implementing a new company playbook on a building products with data science.

It boils down to including data science early during discovery (In part to help identify what data we have available up front), and viewing them as a squad stakeholder rather than a team for one-off work. It also pushed everyone to start thinking about the reliability of data for every product we release.

Some of the databases I’ve seen at companies is just an absolute abomination.

usehackernews··on macOS screenshot tricks to impress your co-workers
I just tested it -

Holding option seems to remove the gradient shadow of the application window in the screenshot. Not needed, but it’s better in my opinion.

usehackernews··on Predicting Best Picture winners using coughs and sneezes
Sitting alone, laughing in a coffee shop while reading this. Good start to the morning.

I enjoyed Dune, and believe it should win best picture. Partly because I haven’t seen the other movies mentioned.

After learning about the coughgeist, I’m more convinced than ever they will win. Sound research.

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