Comment by latexr | Hacker News Reader

Comment by latexr | Hacker News Reader

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> Would serve as an automatic "You're 18"

You don’t need to be 18 to have a bank account, even in the UK (which just introduced age verification laws).

https://www.hsbc.co.uk/current-accounts/products/children/

https://www.barclays.co.uk/current-accounts/childrens-bank-a...

And there are banks and fintech companies which give you pre-paid cards which function as credit cards for online payments. You top them up whenever you want and that’s your spending limit. Parents can just hand those to kids for day-to-day operations.

In short, being able to pay 1$ online is not sufficient age verification.

> It just sucks

I agree. One mitigation around that could be the gifting of accounts. People lurk in more than one forum, so if you meet someone which seems to have their head in place and would be interested to join, you gift them the membership. Keep the association between accounts in a database for, say, one year to see how it goes. If someone repeatedly gifts accounts to people who end up being spammers, you revoke their gifting privileges.

> You don’t need to be 18 to have a bank account, even in the UK (which just introduced age verification laws).

Yeah, I had one of those myself when I was under 18 too, I think it was called Maestro or something similar. However, it didn't work like a normal credit card (which I think only 18+ can have), platforms were clearly able to reject it, as most things I wanted to buy online didn't work at the time with it (this was early 2000s though), only with my mom's debit card.

Probably the same is true for those cards you linked, they're special "youth" cards that platforms could in theory block? Then requiring credit card "donation" of $N would still basically act as a age verification. I think debit cards might in general be available to people under 18, so filtering to only allow credit cards sounds like a start at least.

Newgrounds literally employed the same strategy for automatically validating a bunch of users, from https://www.newgrounds.com/bbs/topic/1548205:

> 2. If your account ever bought Supporter status with a credit card and we can confirm that with the payment processor, we will assume you are over 18 because you need to be 18 in the UK to have a credit card.

Basically, filter by the card type, assume credit = 18+, any other might be under 18.

> One mitigation around that could be the gifting of accounts

Yeah, referrals ala Lobste.rs. I feel like they get lots of stuff right, from transparent moderation to trying to keep it small but high-quality. The judge is still out on if they got it right or not :)

> Probably the same is true for those cards you linked, they're special "youth" cards that platforms could in theory block?

Nope, there’s nothing “youth” about them, they’re more like safety features. The cards I’m talking about act as real credit cards. Plus, I forgot to mention but there are also services (even provided by the banking networks in the countries themselves) which allow you to connect an account (or deposit some money in) and get temporary credit card numbers for online payments. I’ve used them and know multiple people (also adults) who still do.

> Basically, filter by the card type, assume credit = 18+, any other might be under 18.

My point is that maybe that’s enough in the UK (is it?) but you probably wouldn’t be able to rely on it for every jurisdiction.

To be clear, I like your idea in general and would not want to discourage you from it—quite the contrary—I’m just alerting to the fact it might need further though so you don’t end up sinking time on something which wouldn’t work.

> Yeah, referrals ala Lobste.rs.

I wasn’t aware that’s how they worked. I’ll have a read. For anyone else curious:

https://lobste.rs/about#invitations

Thanks a bunch for describing it in more detail, actually very helpful!

And no worries, nothing discouraging, discussing the idea with others no matter their reaction tends to do the opposite for me, so thanks again for taking the time :)

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