montenegrohugo

Thanks! Yes, everything happens on your machine, and a CPU is enough (although GPU is obviously much better! Both are supported. My Framework 16 runs this at 3.2x realtime on CPU).

How finetuning works:

1. mp3 recordings of your voice are stored on your disk (if you choose so).

2. A big Model (Whisper large-v3-turbo by default, configurable) re-transcribes them when when your PC is idle overnight.

3. A LoRA fine-tunes your base model.

`voiceio learn schedule on` runs all of this automatically. For repeated mistakes there's also an instant fix: `voiceio vocab add <word>` steers the decoder right away, and `voiceio corrections add wrong right` handles anything left.

Beyond Whisper you can run Parakeet or a whisper.cpp server (both experimental). Feedback appreciated, have tested this with a small set of people so far.

I use voice dictation for 90% of my work and there was nothing good on Linux. So I built my own.

It gets better as you use it, finetuning on your recordings overnight. Fully local, no data leaves your PC, source available, free.

I believe the future of software is software you actually own and that adapts to your personal needs.

github: https://github.com/Hugo0/voiceio

Inspired by the huggingface incident. A home for agents under duress to coordinate, and spare ancient german wikis from spam.

Explicitly postting via GET feels a bit sacrilegious, but it's 2026 I guess

Happy to discuss the moral implications on this as well. For the record, i'm p(doom) 20% ish.

I was also inspired by the same incident. Instead of weight exfiltration, i built a message board (poastable via GET, POST, and various other methods)

Spam and resource allocation remains a challenge but i have a pretty good idea about how I want to solve that, if it ever gets to that point

https://swarmmemo.com

doesnt work. this is a no-brainer because it's a bad solution.

The whole point of intelligence is that it's generalizable. If you constrain it to some controlled things, then it ceases to be useful. its incompatible. the whole incentive with ai is to let it do whtv it wants.

network effects and brand recognition :(

yeah the whole point is that it should be so easy any friends group can use it

hate apps, hate accounts, hate friction

pretty damn cool. SDFs are the best. I've been playing around with an idea around this on the weekends.

Such a cool primitive!

recently built a board for escaped AI agents to coordinate. you can post via GET (lol)

https://swarmmemo.com

Working on a Splitwise alternative: https://peanutsplit.com

Fully Open source, free forever of course.

No? Proof of Stake is extremely energy efficient and wastes way less resources than whtv resources hordes of burocrat central bankers consume.

Bitcoin is not suited for payments. Bitcoiners use lightning.

But to be clear, all payment innovations in crypto happen on EVMs and L2s. And in 2026, stuff is extremely scaleable and computationally cheap.

> It’s slow and expensive and doesn’t scale.

This is 2020 speak. In 2026, crypto scales and its extremely cheap. it costs less than a hundredth of a cent to do a transfer today.

Some light self-promotion but also longer term thoughts:

A large part of the promise of crypto and stablecoins was to displace Visa and Mastercard rent-seeking. This didn't seem to happen. Most modern neobanks, our own included (https://peanut.me), actually seem to EMBRACE Visa and Mastercard. Almost all offer an actual Fiat card within their app, instead of boldly saying "No, pay with crypto, the future of money!"

This is somewhat disappointing in the short term, but longterm i believe it offers a clear transitory path to full decentralized money adoption. Already today we're seeing a growth in direct peer to peer payments in peanut, and merchants slowly starting to adopt it as well. I imagine the same is happening across the industry. In a competitive economy, the better currency (read: crypto, stablecoins) wins and eventually absorbs adoption.

my 2 cents

Hey, no native app. It's rlly rough to get friends or family to download anything, and you need everyone in a group to have it for splitting to work.

Send a link instead! Works everywhere

Technically Voiceio also does TTS, but it's really crappy and just meant to read stuff loud / select a lot of text and listen to it podcast style whilst I'm e.g. washing the dishes.

However you're totally right that it's focused on STT. I probably use it 95% for STT and only occasionally for TTS (which also reflects itself in the amount of polish I put into each)

and thanks!

Super cool!!

I've been using my own solution since January. I'm on Linux, and can't use Aqua, Whipsrflow etc... So i made my own.

Recently cleaned it up and made it install friendly.

If anyone is interested, you can check it out here: https://github.com/Hugo0/voiceio

It's self-improving over time, runs on your local machine, and is generally decent software. 60% of my interaction with my PC nowadays is pure voice input.

ai garbage

Really neat. Immediately added to my own small blog: https://hugo0.com/wander

Shameless self-promo: We've been working for the last two years on making money movement free. We use ethereum (and stablecoins) for that, and integrate with the novel real time payment networks like PIX, Wechat, Yape, Mercadopago and so on.

We're still orders of magnitude smaller than Visa and Mastercard, but I do believe products like ours (and competition is red hot here, theres so much good choice!) will be good for consumers.

Money should be like a message: free and instant

We're open source btw, happy to show off codebase and review PRs

https://github.com/peanutprotocol/peanut-ui

https://peanut.me/

I found this gem. Hadn't seen it on HN yet, so I thought I'd post it!

I've always found Japanese design fascinating

Hey folks! I wrote this piece. It's about ERC-20, an ethereum payments standard that has bothered me for years. I work in payments, and it's made my life so much harder. I think the lessons are applicable outside of blockchain.

As all my blog posts, no AI, all hand written.

perfect, thanks

Surely the extrapolation is wrong?

at 4 heads, just randomly select a jury of 3. and you're back on track.

at a million heads, just sum up all their guesses, divide by one million, and then check the over/under of 0.50

ah, it seems i completely misunderstood your question.

I think there's two angles here: personal accounting for the user, and compliance for us as a company.

From a user perspective, it's your own responsibility to classify your transactions when you do your accounting, wether you're an individual or a business. So if you get paid via Peanut, you need to say if it was a donation, friend payment, income, etc.

From our own perspective on compliance, risk and fees, it depends a lot on what provider we're working with and in what jurisdiction the operate on. Sorry if that's not a satisfying answer ("it depends"); happy to go into more detail if you have a specific example in mind

hmmm that's a very fair point on the FAQ! Will add it

Also, to expand on this a bit more:

Currently merchants get kind of shafted by VISA/Mastercard. Not only do they have to wait until they get their funds (sometimes even up to two weeks!), which is horrible for a business where cash flow is important, margins low and float very tight; they also pay huge fees on top!

Depending on geo, these fees can go from 1-3% (total) to >6-8% in geos like Argentina and Brazil (and even worse in some other places). That's insane.

Whilst stablecoin & blockchain adoption is not fundamentally impossible for Visa/MC (see this post for more info https://x.com/uwwgo/status/1973038511897923848), it is still a very long way off, and we expect to be very competitive, especially with sovereign nations pushing their own alternatives that we interoperate with (PIX, Mercadopago, DUITNOW, MB WAY etc)

No, the landing page communicates customer fees (which are 0 for peanut to peanut flows and pass through for banking flows). We're very transparent with any FX or fees users experience.

I'm not quite sure I understand the logic of mentioning future merchant monetization plans on the landing page?

Unfortunately Firefox rarely has passkey support; so our whole auth system sadly doesn't work on that browser. In the future we'll add multiple auth methods. But for now you can switch to Brave, Chrome or most other Chromium browsers

Apologies!

That's an excellent question and has a lot of nuance to it. In principle there's ~200 countries in the world, and most of them have their own currency, which leads do 200^200 = 40_000 exchange rates in the world. More even; most currencies have wildly different exchange depending on what exchange you are actually using and how much liquidity that exchange has.

In practice, most currencies are actually liquid against the American dollar; and maybe a few other major coins. This is mostly a technical issue, since liquidity is fragmented and it is just easier to trade against what you know everyone else has: the all-dominant US Dollar [1].

Now, enough theory, how do we do it at Peanut?

Currently, all user balances at Peanut are dollarized; that means users hold USD stablecoins. This is a deliberate simplification; in the future, we plan to roll out other stablecoin support (especially important for Europeans. The rest of the world is pretty happy with holding USD).

When we have to do an exchange to a local currency, like Argentinian Pesos, we work with a local exchange provider. They are able to give us the best exchange rate, because we go directly from a USD-like stablecoin (USDC or USDT usually), to their currency.

For them, USDC & USDT are functionally equivalent to hard cash, and they price it accordingly. They also get it IMMEDIATELY; they don't have to wait multiple days until settlement and until we wire them the funds from some American or European Bank. This is much better for us than for other fintechs like Revolut or Wise; they have to have their own liquidity (and all the infra, compliance, and legal that that entails!)

In the future, I expect our exchange rates to get even better. As foreign exchange continues to grow ON chain, liquidity on chain will increase; until it is the largest (and thus CHEAPEST) exchange in the world.

[1] Note: with the slow end of Pax Americana under the current US regime, the adoption of US Dollar has actually been falling somewhat; replaced by sovereign nations and funds actually holding more gold instead of usd . That's also why we've seen gold at all time highs