Tuesday, December 1, 2020

Regulated banks are selling our stuff

The Sorry State of Fintech Privacy:
Many users might not realize the scope of the data that Plaid receives. Plaid’s Transactions API gives both Plaid and app developers access to a user’s entire transaction and balance history, including a geolocation and category for each purchase made. Plaid’s other APIs grant access to users’ liabilities, including credit card debt and student loans; their investments, including individual stocks and bonds; and identity information, including name, address, email, and phone number.

This seems like an illegal taking to me.  Did we give the fiat banks our permission? Not really, they run the monopoly tax dollar, we have to clear taxes now and then.  But the fiat banks need every fee they can get to cover Fed taxes.  

This activity definitely drives shadow banking.  The fiat banks in tax evasion nations simply support tethers, and the data is much harder to get. Socondly, Amazon and Walmart are vertical in the supply line and the intermediate transactions are unobservable.  This is all about avoiding ten years of fiat taxes at two percent of GDP.  

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