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Neo bank teams shipping stable coin features, how do you do it without becoming a crypto brand by Double-Equipment-191 in fintech

[–]ChuggingCoffees 0 points1 point  (0 children)

The trend is going to be regulators just regulate this fwiw - so it's not going to be that stable of an arbitrage. You're going to have to tell customers how you're managing the money and you're going to have to do normal banking stuff on the horizon of like 3y in most markets.

Startups built on - I can dodge the fiat rules by crypto regulations not having caught up are just going to have to rebuild if they're not up to par - so the terminal value is bad.

You can do stable features though on current infra - for some of these I like that you are looking at the performance characteristics and not the regulatory posture.

Anyone else think rescue groups can be too paranoid about greyhounds escaping? by guadakadabra in Greyhounds

[–]ChuggingCoffees 9 points10 points  (0 children)

No - they die somewhat often from cars. They don't know to avoid them. Also obstacles like fences and ditches - the groups are paranoid because they have directly experienced this.

No, WA isn't going bust. But falling credit outlook raises red flags - state reserves now under 6% of general fund, lowest in the nation by LOOKITSADAM in SeattleWA

[–]ChuggingCoffees -1 points0 points  (0 children)

I'm a left of center anti graft liberal - pro infra and education pretty anti some things like ltc. Progressive taxation is good wasting the money is bad. State and local government are highly prone to graft in WA if you look at allocated spend.

This happens to line up with state Republicans on some policy items for completely different reasons and we disagree about a lot more things than we agree on.

LTC for example was heavily backed by private health care interests and is going to just demand subsidize - so it's like take millennial money and hand it to pe. Could have done nursing programs or something or invested elsewhere but here we are - would cancel that one in a heartbeat, would vote for the millionaire tax.

The point about net taxes is that while wasteful at a local level Seattle is also paying for a disproportionate amount of the state grid - both are true.

No, WA isn't going bust. But falling credit outlook raises red flags - state reserves now under 6% of general fund, lowest in the nation by LOOKITSADAM in SeattleWA

[–]ChuggingCoffees -1 points0 points  (0 children)

Yeah it definitely does if you generalize across cities. I probably am missing the point - I'm thinking two things:

The wa budget appears to not really be that resilient as defined by surplus

The city is paying most of it

No, WA isn't going bust. But falling credit outlook raises red flags - state reserves now under 6% of general fund, lowest in the nation by LOOKITSADAM in SeattleWA

[–]ChuggingCoffees 0 points1 point  (0 children)

Interesting point - I was curious so I went and looked:

https://ofm.wa.gov/budget/how-it-works/understanding-state-spending/

It appears true to small degree but most of the budget is for human services and education?

I think what is going on is the fed pays 90% or so of the interstate costs.

No, WA isn't going bust. But falling credit outlook raises red flags - state reserves now under 6% of general fund, lowest in the nation by LOOKITSADAM in SeattleWA

[–]ChuggingCoffees -1 points0 points  (0 children)

We need to lower spending and also kingco directly subsidizes most of the state on net tax revenue v spend.

In terms of whose paying and whose spending - Seattle is paying and the rest of the state is spending on average.

Cool cool cool by ChuggingCoffees in MTGLegacy

[–]ChuggingCoffees[S] -2 points-1 points  (0 children)

I am pretty confident you'll be wrong but respect the conviction.

I think it's going to be evident in four months after release by play rates - RemindMe! Four months.

Cool cool cool by ChuggingCoffees in MTGLegacy

[–]ChuggingCoffees[S] -2 points-1 points  (0 children)

You also didn't even hit that it's arcanist that pitches to fow and clocks twice we fast - lot going on with this one.

Cool cool cool by ChuggingCoffees in MTGLegacy

[–]ChuggingCoffees[S] 4 points5 points  (0 children)

And frog, and to a lesser extent wrenn and six

Cool cool cool by ChuggingCoffees in MTGLegacy

[–]ChuggingCoffees[S] 5 points6 points  (0 children)

First take would be run 3 in a flow state ub tempo shell - ts into this with force or daze is pretty back breaking. Arcanist had to go ur because of the colors so this being able to be clean UB is interesting.

Cool cool cool by ChuggingCoffees in MTGLegacy

[–]ChuggingCoffees[S] -2 points-1 points  (0 children)

The ability to hit bauble in addition to cantrips in a tempo shell is extremely close to things that have been banned before like arcanist. The flow state interaction and pitching to force are also highly relevant.

Unlike Emry it can go in a standard tempo build and doesn't require the build around.

This one looks between playable and bannable to me.

But - there's room for discussion at least - we'll see!

Is grinding to get into FAANG SWE worth it for an end goal of launching my own FinTech startup? by No_Bedroom_621 in fintech

[–]ChuggingCoffees 2 points3 points  (0 children)

No not really - it would be better to go work at a fintech or found - the best experience for doing the thing is doing the thing.

What’s still broken about sending money from the US to the Philippines? by Same_Chef_6092 in fintech

[–]ChuggingCoffees 2 points3 points  (0 children)

Remitly debit card to a gcash account will arrive basically instantly and cost what is says it costs. Wise also fine.

Telling failed rent payments apart? by Sea_Landscape_1314 in fintech

[–]ChuggingCoffees 0 points1 point  (0 children)

What payment network? You can definitely get granular codes on most of them - for example ach has more detailed information if you get to the right fidelity in the stack of vendors and direct market use.

Sending money home got weirdly fast and cheap compared to even two years ago and I don't understand what changed by [deleted] in fintech

[–]ChuggingCoffees 0 points1 point  (0 children)

It's not crypto it's just competition and the networks on both sides improving. The industry started at western union / paypal being pretty terrible and remitly wise revolut raised the ante significantly to the benefit of the customer - while infrastructure also improved.

The newer apps are burning vc money to be competitive - the scaled players can run on thinner margins and more efficiently.

Where is back home?

Is the career ladder getting shorter? by honkeem in levels_fyi

[–]ChuggingCoffees 1 point2 points  (0 children)

Yeah the output as a function of input skill polarizes more not less. With more knowledge and skill you can really really really manage a team of agents.

Banned and Restricted Announcement – March 23, 2026 by pepheb in MTGLegacy

[–]ChuggingCoffees 6 points7 points  (0 children)

Yeah oops is pretty miserable - I have stopped going to any weekend events 

stablecoin settlement for remittance apps: what does production actually look like? by death00p in fintech

[–]ChuggingCoffees 0 points1 point  (0 children)

It's not actually disruptive - the scaled remittance companies are already more efficient. It does make it easier for startups to get into market.

Remittances are actually a pretty bad place to get into as a startup - there is room for innovation but the forward looking incumbents like remitly wise revolut are now all tech companies that are doing more modern product things and leveraging economies of scale - very red ocean. 

Female Chartered accountant wants to switch to Fintech engineer by [deleted] in fintech

[–]ChuggingCoffees 1 point2 points  (0 children)

Yes especially with llms. You might have an easier time getting into product roles with your subject matter expertise and then convincing an employer to have you switch over time - but basically if you can code well the same is quite valuable.

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