two months bootstrapping a neobank fintech: 1) i think our main lesson last month was: don’t rely on a single partner for money orchestration on sales call, they have everything you need, but when time comes, sooo many issues present - some partners have great fees, but very poor api/docs (basically non-implementable, gotta do everything manually) - some have great API, but extremely rigorous compliance (you integrate the whole thing, to only then find out they wont approve your clients) - some have great support, but wont cover all rails your clients need (pix only, no ACH, no swift, no named accounts, no microdeposits, etc) - some have everything you need, but charge a high monthly minimum with 2x fees you got from the other provider - not to mention the perfect partners, but with abusive contracts that makes our lawyer Claude go crazy we spoke with ~15 orchestration partners for USD, BRL, EUR, AED, CHF and CNY, and realized there’s no “one size fits all” unfortunately so we are basically analyzing what each client needs and activating partner XYZ for them - it’s working fine, besides the tech complexity (though i have already fully integrated 8 partners and it's now taking me 1-2 days to get the whole thing up and running, while larger teams would take weeks - that's the power of repetition) 2) we initially decided on using Base USDC for our backend (even though our clients don’t really see anything stablecoin-related on the dashboard, as a product strategy) but some banking partners wouldnt work on that chain, and Solana seemed to have better coverage and speed so we had to build our own bridging process using circle’s CCTP (to make sure no % fees incurred, eating the low fees we charge) - this was pretty cool but very hard to make it work so now we became not only multi-partners but also multi-chains (no USDT support though, that additional 0.1% was a no-go for us) 3) one of our clients (who turns out to be an old friend), brought his while whole Payroll to Dolafy i built a special dashboard area so they could add all employees/collaborators, enter their banking details, salary and pay date then in a single click every month, they would pay that employee anywhere in the world (via ACH, WIRE, PIX or SEPA), using their Dolafy balance had to work for 20 hours the day it went live, but worked really well and their finance team loved it (much more organized and simple than the bulk-payment via CSV they were doing at Husky) the Payroll product itself is not so profitable in comparison to other clients moving millions in one txn, but it was really satisfying to be able to see all these people getting paid by Dolafy 4) the Credit Cards implementation has been my biggest frustration - i even had nightmares with it and woke up many days in terrible mood even though i implemented their whole API in 2 days, it’s been over a month already and their compliance and legal teams keep slowing us down things like: “hey, you cant mention the term unlimited cards, must be multiple cards” and then i fix it in 5 minutes, and they submit for approval that takes 7 days again and then they come back with “you actually cant talk about cards at all on the homepage, must create a separate page for that” “unlimited back and forth” seems a reasonable term to describe them though in the end, the partner changed the whole copy of our site and we still couldnt get the approval after 40 days ughh tbh, im not sure they are that slow because of bad management or because they try to push the onboarding longer to monetize the setup fees (even though they are losing revenue during this period) anyway, i hope we have cards live in the coming days which will be huge to get more clients and make the current ones move more money with Dolafy (unfortunately there are not many BIN Sponsors for Corporate Cards that we could use besides them) 5) my partner is thinking about moving with his wife to Floripa so we can set up a Dolafy office here the magic island is now the center of crypto and fintech companies in Brazil, plus many of our clients are living here (quality of life and safety for the rich) them startup offices are mainly in the SC/Jurere area (which is opposite side from where I live on the island) but it’s cool to be a short drive away to people with high synergy instead of a long flight so yeah, that’s it for now. talk to you again on our 3rd month building a fintech, hopefully after processing millions in Meta / Google Ads txns (that's what our clients need cards for) thanks for following

every time a new AI model is launched, i spend a few hours using it for security checks on my code just 10% of improvements might be able to find a glitch the previous model missed strongly suggest everyone doing the same if they deal with sensitive/money workflows (no skills needed, just ask...)

As a result of a US government directive, we are suspending access to Claude Fable 5 for all users. You can continue to use all other Claude models. Here’s what this means for you: Across Claude products, new sessions will run on your selected default model or Opus 4.8, and existing Fable 5 sessions will end with an error. On the Claude Platform, requests to Fable 5 will also return an error. Please update your integrations to other Claude models. We know this is a disruption to your workflows; we appreciate your patience and support.

I'm not sure if you know this or not but I referered you to my company and the amount and the type of docs you ask for exceeds that of murcury. I was able to open a murcury account in a couple of days but it has been more than 2 weeks with you.

400k ads served 100k ads per hour 1000 active users $30k backlog all the charts are very hockey stick like. What's your favorite ad so far? what's broken so far?

You have Claude Fable for only a few days. Here's how to make the most of it. Introducing /improve: use your most capable model to audit your codebase and write plans for cheaper models to execute later. Studies your code, figures out bugs, perf, tech debt, missing tests, what to build and writes plans any agent can run.

i would like to implement a Live Chat system at Dolafy’s dashboard but i definitely wont use any external packages for that, too risky letting them inject code what would be the best way to make it happen in-house? ideally, i should be able to answer the messages via Slack/TG

This is biblical. A woman in her eighties. Ten years into Alzheimer's. Hadn't spoken a full sentence in five years. Takes one, 5 gram dose of psilocybin. She slept 19 hours and woke up and spoke for hours about her life, recognized family and held real conversations. She regained bladder control after five years, walked on her own. and dressed herself. Gains held for weeks.

Still don’t understand why we don’t do this.

Uhhh… your memory is failing, my friend. And this was sent after the dinner, not before. Have the receipts. I don’t begrudge you in any way, but let’s be truthful.