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cmuratori's profile
Casey Muratori
Casey Muratori
Casey Muratori
@cmuratori

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Casey Muratori

@cmuratori

I'm worried that the baby thinks people can't change.

Seattle
caseymuratori.com
Joined March 2009

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    1. Casey Muratori‏ @cmuratori Sep 20

      I know I am harsh on some of the cryptocurrency claims, but I would like to point out something very positive: the crypto API structure of push payments instead of the absurd credit card structure of pull payments is a massive step forward in several ways.

      9 replies 3 retweets 91 likes
      Show this thread
    2. Simon Farre‏ @farre_x Sep 20
      Replying to @cmuratori

      I couldn't agree more. The individual pieces of technologies in CC might be great and your example shows this perfectly. It's the mythology around CC that annoys me, as I've said in previous threads i believe. I wonder why pull payments is the MO?

      1 reply 0 retweets 1 like
    3. Simon Farre‏ @farre_x Sep 20
      Replying to @farre_x @cmuratori

      My knee jerk response is "has to do something with extracting more profits for nothing" but, I have too little insight to claim this as even remotely true.

      1 reply 0 retweets 1 like
    4. A Dev‏ @DevinRhode2 Sep 20
      Replying to @farre_x @cmuratori

      The entire structure does need to be refactored from the ground up. But regarding push vs pull. It's simply a matter of being lazy, greedy, and conformant

      2 replies 0 retweets 0 likes
    5. Chris Sheehan‏ @ct_sheehan Sep 22
      Replying to @DevinRhode2 @farre_x @cmuratori

      Have you guys looked for ways to push payments from crypto to your bills / credit cards? Give you more control over where / when your money goes.

      1 reply 0 retweets 0 likes
    6. A Dev‏ @DevinRhode2 Sep 22
      Replying to @ct_sheehan @farre_x @cmuratori

      http://Privacy.com  solves this without crypto. But because it's not the default experience, you have to go through some hoops to get any payment setup. I think it's mostly not a crypto issue. Doordash, Uber, Lyft, etc etc, all only bill you for what you order.

      1 reply 0 retweets 1 like
    7. Casey Muratori‏ @cmuratori Sep 22
      Replying to @DevinRhode2 @ct_sheehan @farre_x

      You definitely don't need crypto for push payments. The problem is that the American banking sector is just too lazy and incompetent to make it happen. Other countries already have push payments in regular banking, from what I am told.

      2 replies 0 retweets 4 likes
    8. Casey Muratori‏ @cmuratori Sep 22
      Replying to @cmuratori @DevinRhode2 and

      So the point is not that you need crypto for push payments. The point is that crypto seems to be the only thing with momentum in the Americna banking sector that could make push payments ubiquitous.

      1 reply 0 retweets 3 likes
    9. Chris Sheehan‏ @ct_sheehan Sep 22
      Replying to @cmuratori @DevinRhode2 @farre_x

      Yeah definitely, well *outside* the banking sector actually. Feels like banks will never be able or willing to add the "programmable money" functionality of crypto.

      2 replies 1 retweet 0 likes
    10. Simon Farre‏ @farre_x Sep 22
      Replying to @ct_sheehan @cmuratori @DevinRhode2

      Yes Casey is correct wrt to intl. Here in Sweden, Swish is widely used for instance. 80% of all citizens use it regularly. Crypto (btc especially) payments is slow and costly, so neither scalable nor viable although that's just a technical hurdle. But so is non-btc push payments

      1 reply 0 retweets 0 likes
      Casey Muratori‏ @cmuratori Sep 23
      Replying to @farre_x @ct_sheehan @DevinRhode2

      I am very unhappy that we do not have such a thing here :( It is a serious drain on the economy to have onerous payment processor problems up and down the chain.

      12:51 AM - 23 Sep 2021
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