Stripe has a lot of money, but not a lot of AI-buzzword compliance. OpenRouter is highly AI-buzzword compliant, but doesn't have a lot of money. It's a match made in heaven

I'm wondering if some of Opus' chain of thought patterns have bled into its "human readable text output" circuitry. E.g. some of them that I stumbled on, "the bug is in the lock, not the query" reads like some of the shorthands it might use in its own chain of thought.

Entirely possible, it always leaked but it's particularly bad in most recent models. Actually almost all issues with creative writing in LLMs are artifacts of either instruction tuning, alignment training, or CoT RL and seeding (newer models have CoT data even in pretraining).

This is my impression as well, that an exaggeratedly precise yet bad at communication with humans way of talking snuck in through reasoning RL, that it might be useful when it talks to itself (CoT)

Throwing unread AI output at others is the new version of “sitting on your phone, oblivious to those spending time with you”. Every new consumer technology comes with a new way of being rude.

We don't hand over more power to the owner class by making fewer things ownable.

We desperately need to break Visa's stranglehold on access to the consumer side of commerce. As long as everyone's only innovating and competing on the merchant side of things, we're not really going to get anywhere.

You're free to make your own card network. How will you convince banks to issue your cards and merchants to accept them?

You mean like the EU digital wallet

You're free to try and make something like that.

They are making something like that as we speak. I’m not sure why though, they’ve had free SEPA Instant transfers for ages now.

Many EU online shops accept SEPA payment. It isn't convenient, because it's a push payment (giro) which means the site can't stick it in the middle of the order flow and expect it to take a few seconds. Some users might have to visit a bank branch to send payment.

Not all banks do SEPA Instant, yeah. I suppose the answer to that is connecting using PSD2 and sending the payment request then checking payment actually went out (using something like https://gocardless.com/). Many countries also have local bank link systems (e.g. in the Baltics it’s common to have dedicated buttons in the payment form for the big 3 or 4 banks everyone uses).

I’m talking about in-person payments though. It would be so easy to implement QR payments backed by the existing SEPA Instant rails. Many bank apps already understand EPC QR codes (usually found on invoices), so shops could just show these to accept payment. In case your bank doesn’t support SEPA Instant, you could show the cashier the receipt in your bank app, which, well, horribly insecure, but probably fine for low-stakes cases like grocery shopping (you don’t want to be banned from your grocery store chain for forging a 35 € payment).

One problem with SEPA Instant is that it can sometimes fall back to regular SEPA which takes a few business days.

Are you prepared to protect customers by refunding them if they are victims of fraud when using your payment system? Visa and MasterCard are prepared to do that. That's how they could convince consumers to use their cards without worrying.

Clearly consumers do worry, since the ones found in this comment section are saying they refuse to use a card as it could be stolen.

Millions of card transactions are made every day. If consumers worried, they wouldn't have credit or debit cards and they wouldn't use credit or debit cards.

What a single hacker writes is on the other hand just what he wrote.

Millions of people type their banking username and password into services like POLi, too.

My 2008 MBP had a motherboard failure due to bad factory solder, but you could sometimes fix it by taking the motherboard out and putting it in the oven for just the right amount of time to reflow it. I still remember how scary it was putting the logic board in the oven - but it wasn't really bravery, when the alternative was a non-functional laptop anyway. I did eventually give up on it after it had relapsed two or three times.

My MBP had the same issue and was eligible for a replacement but since the computer couldn’t boot due to a GPU issue they couldn’t run the GPU test to verify it was a GPU issue. Even though you could clearly read the logs and tell it was the GPU.

So good, did this 3 times, everytime it would fail faster haha. Another trick was to run a benchmark, disable sleep and wrap it in some blankets until for an hour or so until the gpu solder was reflowed, didnt try that haha

I experienced this too, when I started reading out loud more. At first, it was just that my eyes would scan ahead a bit from what I was saying, to help me get the right emphasis by knowing where the sentence was going. It felt like I had "handed off" saying the words out loud to a "subroutine", so my attention could be on what I was reading. Then that "readahead" extended to a whole sentence. And at that point it was like I was so far ahead of what I was saying that I had time to think about it a bit. And then at some point it was like the "reading the words" part got handed off to a "subroutine" too, so my attention could mostly stay on whatever I was thinking

Siri is how I set timers, alarms and reminders on my iPhone. Every once in a while, I'll try to use it to play something on Spotify via my Sonos, then give up and do it manually in the app instead.

Reminds me of this old joke: No ethically trained software engineer would ever write a destroyBaghdad function - they’d write a destroyCity function to which you could pass Baghdad as a parameter.