Felicitas Pojtinger 🌅New idea: Neobank specifically for digital sovereignty, from the app running on Linux/without SafetyNet and other nonsense to the servers running on local infrastructure
People need banking and payment apps to work on Linux mobile for it to work. Obviously the only real "fix" for this is a regulatory one that declares SafetyNet a monopolistic control mechanism, which it is. But also, with fintech stuff getting easier and easier, I wonder if creating at least an open _banking_ app should be possible. Yes, various countries require push-based 2FA, but nothing locks you into Google/Apple here on Linux. I wonder how the payments situation would be ...
I kind of want to check whether Visa/Mastercard have any requirements for SafetyNet etc. to work in order for a digital payments solution (in Germany, the contactless "Mobiles Bezahlen" app vendored by Volksbank for example works completely w/o Google Wallet and works everywhere contactless works, but requires SafetyNet).
Also, we can check for different security signals on Linux systems, like whether measured boot passed and secure boot is enabled (GNOME has that under the "Security" tab in settings, and it's failing on my system bc I don't have secure enabled) Maybe what Amutable is working on could also fit into this.
darkdragon@pojntfx FYI Slightly related are my thoughts around a new payment scheme for direct debits which could replace VISA in the EU: https://chaos.social/@darkdragon/116113460892545054
darkdragon (@[email protected])
@Lilith Der Hauptgrund für Schufa ist die Reduzierung von Zahlungsausfällen. Dabei könnte es so einfach sein. Zur Echtzeit-Überweisung (SEPA Instant Credit Transfer) könnte man einfach eine Echtzeit-Lastschrift gesellen. Authentifizieren könnte man solch einen request via JWT, den man per NFC im Laden oder OAuth mit der Bankwebsite in Internet generiert. Ein Großteil der Infrastruktur für die Zahlungsabwicklung ist mit der Echtzeit-Überweisung vorhanden.
@darkdragon Gosh, we can only dream lol
Here in Canada there is at least still a very popular sovereign debit payment system that's pretty universally accepted (Interac)