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boling11

403 karma · joined August 16, 2011

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boling11··on I spent two weeks delivering for Uber Eats and made $4.40 per hour
The USPS is also losing money at an unheard rate, even amongst VC backed startups in Sv - $60+ billion in the past 10 years.
boling11··on Zenefits cuts nearly 50% of workforce
From the news, it sounded like the repricing benefited Series C investors, and current employees got equity increases.

So founders, former employees, and earlier investors probably lost out...

boling11··on Ask HN: Who is hiring? (January 2017)
PRIVACY.COM | NEW YORK (NYC), BROOKLYN | $90-140K | ONSITE

Come help us build and scale Privacy.com! In less than a year since launching, we've moved millions of dollars and protected tens of thousands of users.

About us:

We’ve built a new way to transact without giving away your personally identifiable information (PII) or credit card number. We're a small team, generating significant revenue, and backed by top-tier investors. As one of our first full-time engineering hires, you’ll have the opportunity to make a impact on both the product and culture of the company.

Current technical challenges:

- Building out mobile/web features as fast as our growing customer base demands

- Improving our browser extension checkout detection and auto-fill accuracy towards 100%

- Applying learning algorithms towards towards detecting anomalous behavior and preventing fraud

- Updates to our real-time Visa transaction processing system where requests must be responded to in milliseconds

What we’re looking for:

- Ability to write clear, maintainable, thoughtfully commented code

- Proficiency with javascript preferred but not required (our stack is angular, node, react native, with some java / c++)

- Solid background in algorithms, systems, and design

- Can-do mentality, with the willingness to wear a sysadmin or devops hat when necessary

- 3+ years of real-world experience shipping code

If you're interested drop me a line: bo@privacy.com!

boling11··on How to pick startup ideas (2015)
I'm disappointed that this is the top comment.

You're not wrong. But this comment completely lacks substance and doesn't even attempt to address the post.

I don't fully agree with Slava, but at least he makes some thoughtful points. You just typed out a handful of platitudes which sound like they came straight off a Startup Vitamins poster.

boling11··on Ask HN: Who is hiring? (November 2016)
PRIVACY.COM | BROOKLYN, NEW YORK (NYC) | $100-140K | ONSITE

Come help us build and scale Privacy.com! In just a few months since launching, we've moved millions of dollars and protected tens of thousands of users.

About us:

We’ve built a new way to transact w/o giving away your personally identifiable information (PII) or credit card number. We're team of 5, generating revenue, and backed by top-tier investors. As one of our first full-time engineering hires, you’ll have the opportunity to make a significant impact on both the product and culture of the company.

Current technical challenges:

- Building out mobile/web features as fast as our growing customer base demands

- Improving our browser extension checkout detection and auto-fill accuracy towards 100%

- Applying learning algorithms towards towards detecting anomalous behavior and preventing fraud

- Updates to our real-time Visa transaction processing system where requests must be responded to in milliseconds

What we’re looking for:

- Ability to write clear, maintainable, thoughtfully commented code

- Proficiency with javascript preferred but not required (our stack is angular, node, react native, with some java / c++)

- Solid background in algorithms, systems, and design

- Can-do mentality, with the willingness to wear a sysadmin or devops hat when necessary

- 3+ years of real-world experience shipping code

If you're interested drop me a line: bo@privacy.com!

boling11··on Final – A credit card built for the 21st century
Hey there! I work at Privacy.com.

This is something we've been working to improve over the past few months. If this happens again can you shoot us a note support@privacy.com with the details?

boling11··on The Dropbox hack is real
Hey! I work at privacy.com - would love to get your thoughts on our product. Hit me up at bo@privacy.com for an invite if you're up for it. I'll tell you how we got the domain :).
boling11··on Privacy – Forget Your Credit Card
Wow - good catch. This was a huge miss on our part. We had it in the previous version, but it got overwritten (no excuse, our mess up).

Anyway, thanks for bringing it up. We've pushed the updated terms.

boling11··on Privacy – Forget Your Credit Card
I hear ya - hope you give us a try :). Would love to get your thoughts!
boling11··on Privacy – Forget Your Credit Card
We don't actually store your credentials. We work with Plaid.com, and take a token which we can use to pull balance information. This allows us to fund a transaction in real time and take on the risk of ACH. When you change your credentials, that token gets reset.

If we took routing / account numbers, you'd have to preload your account and wait up to 3 business days. It's something we're definitely looking into though as well though.

boling11··on Privacy – Forget Your Credit Card
That's fair, if you're doing something illegal that may result in a subpoena, this is not the product for you.

However, that doesn't mean what we're doing isn't meaningful. We just think that you just shouldn't have to share your personal info with a random merchant you want to buy something from.

This notion that passing along your billing info is going some how substantially cutting down on fraud is ridiculous. It's anti-privacy in the guise of being anti-fraud.

And yes, it's fair, if you skip out on a gym contract, you do risk getting taken to collections. We're mostly talking more about the ticky tack, deceptive recurring billing fraud. We can do better. We'll make the language clearer on our home page.

boling11··on Privacy – Forget Your Credit Card
Can you ping me - bo@privacy.com? Thanks!
boling11··on Privacy – Forget Your Credit Card
We didn't pay any cash.

It's a long story, but there's probably a good blog post in this.

boling11··on Privacy – Forget Your Credit Card
Yup - you can grab old numbers from your dashboard or iOS app (coming soon pending approval).
boling11··on Privacy – Forget Your Credit Card
You're right. We should've done a better job with this. It was a trade-off and we decided against, but we should done a better job communicating it. Hopefully you can enable Javascript for us and give it a shot :).
boling11··on Privacy – Forget Your Credit Card
So the crazy thing is that's actually an email from your bank :E. We have no control over the formatting of that email.
boling11··on Privacy – Forget Your Credit Card
You're right the language here should be better. FWIW, you're not opening a bank account and we aren't pulling a credit check (per our FAQ). We cross check the information as part of our AML / KYC policy.
boling11··on Privacy – Forget Your Credit Card
The refund will go directly back to your original funding account.
boling11··on Privacy – Forget Your Credit Card
We make chargebacks just as easy. There's a button you can click next to the transaction that will initiate the dispute process - we'll deposit the funds back in your primary funding account and follow up with you, then resolve with the merchant. You're also covered under Visa's zero liability policy.
boling11··on Privacy – Forget Your Credit Card
Ashley Madison and porn users are easy targets. But broadly-speaking, we just think you just shouldn't have to share your personal info with a random merchant you want to buy something from.

It's anti-privacy in the guise of being anti-fraud.

Yes, we do have to comply with subpoenas.

boling11··on Privacy – Forget Your Credit Card
This sounds like it would be an interesting use of our API. Can you ping me at bo@privacy.com? I'd love to chat more.
boling11··on Privacy – Forget Your Credit Card
Yup! We have plans for Firefox (April) and Safari (TBD).
boling11··on Privacy – Forget Your Credit Card
Debit cards are something we're looking towards in the near term, credit cards probably will have to be a premium feature (due to how we make money right now).

The numbers can be one-time use (burners) or re-usable at the same merchant.

boling11··on Privacy – Forget Your Credit Card
We are still subject to US AML / KYC laws. But the cool thing about these cards is you can use any name or billing info you want with them, so don't have to worry about your info getting leaked if some website you bought an indie game / song / whatever from 6 months ago got hacked.
boling11··on Privacy – Forget Your Credit Card
That is great to know! If we do add support for credit cards, it would probably be as a sort of premium feature.
boling11··on Privacy – Forget Your Credit Card
Nope!
boling11··on Privacy – Forget Your Credit Card
Thank you! We do have to abide by US AML / KYC laws as we are working with a sponsoring bank. We plan on releasing transparency reports on a regular basis.
boling11··on Privacy – Forget Your Credit Card
Totally understand it's sensitive, and it's cool if you're not ready to trust us with that yet. That's something that we plan to earn and don't take for granted. Eventually we do plan to allow debit card funding.
boling11··on Privacy – Forget Your Credit Card
There's a lengthier answer to this, but long story short, yes we're aware of a lot of the common pitfalls. A big part of the challenge comes down to limiting abuse on the cards (which we're planning to do).
boling11··on Privacy – Forget Your Credit Card
Unfortunately it probably won't happen for awhile :(. We're a free service, and make money off the interchange from issuing these cards. Amex and high points cards are really expensive to accept funding from.
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