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I have been developing cutting edge technology for banks for 35 years. Zachary you are not the first company to involuntary share a capability. Airing you dislike for Stripe in social media will not be beneficial.

A good example of a similar situation is USAA Financial who owns the patent for remote deposit capture (RDP). There are at least ten other companies selling RDP. USAA is contacting the ones that they think should pay a royalty through the legal process.

Don't go down the road of being a Travis Kalancik and shoot yourself in the foot. Let your lawyer deal with the situation. If you are good at innovation as you believe you are this will not be the last time you run into someone having a similar offering. Reframe from being a Pumped-Up kind of guy. Investors don’t like those kinds of guys, it is a weakness.

Ouch! Transunion competitors will be using these  CFPB comments aganist them in their marketing camaigns.

 Between Zoom Mortgage and Zillow large amounts of investor equity is going down the drain. It seams neither had a real business plan. If they did they did not have measurable goals and metrics to control hiring and an investing.

That is you advice?

I am currently trying to understand how bitcoins create value. In the past people could go purchase a high-end color copier and print counterfeit currency. Not some much now that the mints have added security tools to paper money.

What I struggle with is the concept of people trading hard cash for bitcoin and then their bitcoin increasing in value without doing anything tangible to justify the increase. A good example with the EMax 30 day pump and dump that Kim Kardashian and Holyfield promoted last year. A lot of people lost a lot of money when the music stopped and there was no one will to purchase their bitcoin.

When I look at how bitcoins are created, I do not see where the increased value came from other than the exchanges recording the value increases when new customers bought their way in and paid a higher price. Until someone can explain the value proposition other than perceived value, I believe bitcoin has a hard row to hoe like mortgage derivatives which no one could explain. If you get in early and get out early you can make some money (hard cash) but the people that hang on are in trouble.

I do see value in Central Bank Digital Currency which like hard cash does not increase in value at a high rate. Stablecoin could have a future once someone can explain it to me. If I am missing something here, please let me know I am willing to learn. I have no ax to grind.

This is not a surprise Credit Suisse management would be processing financial transactions for criminals. Credit Suisse is the primary headwind for CBDC currency because all you need is one financial institution to process financial transactions for criminals. The whistleblower deserves a billion-dollar reward for their actions. Credit Suisse collaborated with Hitler’s henchmen after World War Two and today Credit Suisse and pivoted to global criminals. Deutsche bank is not different based on their track record in money laundering for Putin’s buddies. Both of their institutions need to be shut down.

 The creation of Trust is a step in the right direction for validating the destination of a transaction before it is sent. It is good to see all the members have committed to meet core anti-money laundering, security, and privacy requirements. The one outstanding problem all the exchanges share is they are still using passwords to log into the blockchains. Passwords are the modern-day version of the skeleton key.

The QKD network is a proactive step to protecting networks that have blockchain applications running on them. The weak link in blockchains is they still use passwords for access.

This is not a solution to the SMS problem. By the time you detect the problem the damage is done. The solution is get rid of SMS and replace it with our NoPass proactive fraud prevention platform that leverages the biometrics on the account holder's smartphones and PCs to authenticate when the account holder loggings in and to authenticate transactions.

Turning account access on and off creates to much customer friction forcing them to find another bank.

I would say having to wait five years by MoneyGram investors was worth it. $5B more than the failed China deal in 2017. My Dad use to say there is always a silver linning when things don't work out, you just have to take your bliners off and see it.

I belive MoneyGram investers in two years will regret the sale because the Federal Reserve issued a news article on Janaury 20th describing their process for evaualting cryptocurrency and issuing guidance for leagal financail transctions.