nikolas-

> everything is forced to go through the federal reserve, is expensive, and slow.

This isn't entirely accurate, there is a private clearing house that supports instant payments in the United States.

https://www.theclearinghouse.org/payment-systems/CHIPS https://www.theclearinghouse.org/payment-systems/rtp

I've previously gone through review for IG basic + messaging permissions, it took several months of constant submissions to get approved. I'm not sure if their process has changed (got approval ~1 year ago), but we quickly realized Meta's entire review team has been outsourced to external contractors that just don't care. We'd get random rejections relating to functionality and check access logs to discover they hadn't even opened the app.

What ended up working for us was just keeping consistent & simple responses to the usage questions, and whenever we received a rejection with a valid concern, we'd address it at the top of our existing response with something like "In response to the latest rejection: ...". Unfortunately it seems unless you get a competent reviewer, you're out of luck, so just keep submitting as soon as rejection comes in and eventually you'll get through.

Lemon Squeezy (recently acquired by Stripe) has a native digital product solution (https://www.lemonsqueezy.com/ecommerce/digital-products)

> They were good

So why wouldn't you keep them? If you're able to produce even more with AI enabled engineers, why downsize? To me, it sounds like a startup's dream to be able to output more without increasing headcount.

slang for "of course"

> 2) Will this affect apps like CapCut and Lemon8 too?

Both, the bill lists any "website, desktop application, mobile application, or augmented or immersive technology application that is operated, directly or indirectly" by ByteDance, which controls CapCut and Lemon8.