I rather have protocols be built and less middlemen PaaS.

One great example is Open Banking. I would support an Open Router that mirrors Open Banking, unfortunately the Open here doesn’t carry the same connotation.

Kudos to the team for succeeding in executing around a clear DX issue during the chaos of providers, though long term I am not really a fan of it staying as is even if Stripe gets to be the one carrying it forward.

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Muromec an hour ago | parent | next [-]

What open banking? I can't even get a read-only token for my personal use to see the balance on my account and I sit two team calls away from people who cooked the API

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hmokiguess an hour ago | parent | next [-]

Where it is already operational and available elsewhere worldwide. Unfortunately complex lobbying and Wall Street not being a fan of it as they’re the biggest loser makes it slow to get it done in the US.

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sixtyj an hour ago | parent | prev [-]

Deleted. I don’t like starting rage baits… ;)

	▲	fragmede an hour ago \| parent [-]
		With vibe coding, you can make a bot that pretends to be human accessing the banks website, and be able to hit the bot with an API, and have the bot interact with the bank for you.

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thatjoeoverthr 16 minutes ago | parent | prev | next [-]

One problem here with the protocols is the field isn't yet so stable. Most people are copying OpenAI's endpoint, and so you have "OpenAI compatible", but there are always little hairs on it. Case in point, OpenAI itself no longer offers multiple basic inference options on their new models. Can't pass temp, get back logits, etc. on anything after GPT 4.1. It's not a total zoo and Open Router is pretty easy but everything is just enough a special snowflake that models aren't a commodity. Maybe later though.

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flexagoon an hour ago | parent | prev [-]

Every single Open Banking implementation I know also requires everyone to go through a useless certified middleman (eg. Plaid, GoCardless, ...) instead of letting people use the APIs directly

	▲	theplatman 21 minutes ago \| parent \| next [-]
		would encourage you to read up about how the rest of the world has solved this
	▲	hmokiguess an hour ago \| parent \| prev [-]
		Brazil did PIX which in that case the middleman is the government and everyone got to benefit from