Ask HN: 有人想和我一起挑战支付处理网络吗？
3 分•作者: ziyadparekh•8 个月前
大胆预测一下
我一直在开发一个原型支付网络，它允许人们以传统支付渠道一小部分的成本发送和接收款项。
在创建我之前创办的金融科技公司 Safepay (YC S20) 时，我开始着手这项工作，并意识到卡组织从金融科技公司两端提取了多少价值，进而也从依赖它们的商家那里提取了多少价值。我认为一定有更好的方法。
我想我已经找到了这个方法，而唯一阻碍我的就是找到合适的人来一起完成这项工作。
那么它是什么？（下方添加了链接）
这个想法是允许人们通过简单的别名进行支付和收款。从你的 Chime 账户向你在 Coinbase 上的朋友转账，或者使用你的 Revolut 账户通过 Stripe 向商家付款。晚饭后用你的银行应用程序扫描收据上的二维码并结算账单。
在后台，我们在不同的参与者之间来回传递消息，并使用稳定币处理净额、延期结算。
你感兴趣吗？
如果你认为这可能是你愿意从事的工作，请给我发邮件 ziyad@paylias.xyz。你应具备强大的技术能力，这样我们才能分担工作量，并且要足够谦逊，要知道这将会是一个可能需要几年时间才能实现的艰苦过程。我相信还有其他人正在思考或从事这项工作，所以时间对我们不利。
感谢你的阅读，即使这与你无关，你也可以通过点赞并把它推荐给合适的人来帮助建立一家公司。
查看原文
Going out on a limb here<p>I’ve been working on a prototype payment network that allows people to send and receive payments at a fraction of the cost to traditional rails.<p>I started working on this when building out the previous fintech I started, Safepay (YC S20) and realized how much value card networks extract from fintechs on both sides, and by extension the businesses that rely on them and thought that there has to be a better way.<p>I think I’ve found what this could be and the only thing holding me back is finding the right person to take this on with.<p>So what is it? (Links added below)<p>The idea is to allow people to make and receive payments through simple aliases. Send money from your Chime account to your friend on Coinbase or pay a merchant using Stripe with your Revolut account. Scan a QR code on a receipt with your banking app after dinner and settle the bill.<p>In the background we pass messages back and forth between different participants and process net, deferred settlements with stablecoins.<p>Are you interested?<p>If you think this could be something you see yourself working on, email me at ziyad@paylias.xyz. You should be technically strong so we can distribute the workload between each other and humble enough to know that this will be a grind that may take a few years to play out. I’m sure there are others thinking or working on this so time is against us.<p>Thank you for reading and even if this isn’t relevant for you, you could help build a company just by upvoting this and bringing this in front of the right person