Am I wasting my time trying to look if something that’s foss exists? I don’t want to login to either account
I also couldn’t find anything. Not even any banking apps support it because they all work with google pay on android.
wait they all rely on google pay anyway??? damn
Yeah it’s stupid and not privacy friendly, but it’s not like any bank is privacy friendly nowadays from my experience
Years ago there were some multi-account credit cards floating around. Maybe that could be open sourced… Not sure…
The whole money system is proprietary and anti privacy at its core. Use cash, move money away from private banks and into central bank money (cash). Not really traceable. Perfect.
fuck, I hate carrying around a purse with all that but I guess it will have to do then
Dont forget Monero. Fully FOSS cash for the digital age
yeah but where can you actually pay with crypto in the real world, because I haven’t seen any places
Directly, not many places. Through gift cards. Absolute fucktons of places. I have been purchasing my groceries with Monero for over a year now, every single month, and bought some home insulation with Monero, and bought Thanksgiving dinner from a restaurant with Monero as well.
Edit: i also pay my phone bill with Monero
Edit 2: Truly, the only thing I have not figured out how to pay with Monero is direct debits, such as car payments, mortgage payments, etc. that require a bank and routing number. Anything payable with a credit or debit card is fair game.
The whole gift card secondary market is sketchy as fuck though. I’ve dipped my foot in a bit and it seems like most of the inventory is the result of scammers converting their gains into usable currency.
Not all of it for sure. Sometimes people just want to unload gift cards they’ll never use. But that seems like the exception rather than the rule.
Like, why is this dude from Nigeria selling tens of thousands of dollars worth of US-locked gift cards?
Also, all these large companies and regulatory bodies are completely aware of this shit. I don’t know why it’s tolerated.
The gift cards I purchase are from companies who specialize in the sale of cards such as coincards, coinsbee, and cake pay. These are all registered businesses, so there’s less likelihood of crazy crap like you mentioned.
Being a “registered business” doesn’t mean anything. Especially when they’re in loose jurisdictions with little to no laws or enforcement. And it sure doesn’t mean they aren’t sketchy and the origin of the cards isn’t ethically dubious or even illegal.
You don’t ever wonder how they pay like 50% (or less) on the card’s face value and resell them at 70-80% for a profit?
I worked a bit on a competitor service and the brokers are all not people I ever want to interact with again. We tried to pierce the veil a little bit and the least sketchy source examples we got were like mechanical turk workers getting paid in gift cards (wage theft basically), and immigrants trying to send money back home to their family from the US (something crypto was supposed to help with).
Coinsbee is german, coincards is canadian, and cake pay is US. Those don’t seem like very loose jurisdictions, and they don’t sell cards at a discount unless the retailer gives them a discount on the cards to begin with, and then they pass them on.
Money laundromats.
I dont want to use them either but because of lack of alternatives I do use contactless pay of my banks app itself. Does require NFC etc
I only just got an nfc capable phone and checked my banks app, but it does not have it :(
You could look at the Taler Project. It is still probably years away from becoming usable but it is a really interesting and promising payment system.
Is it possible to pay with NFC? I read the docs but haven’t found anything
The GNU Taler wallet app on Android supports NFC communication, but I have not tried it yet.
I think right now their demo is using QR codes. I don’t think the jump from QR to NFC is that difficult but I could be wrong and I don’t know what their pipeline is at the moment.
Yeah I don’t think a FOSS equivalent will ever exist. Google pay isn’t just an app that gives the machine your card number, it’s an entire payment processing system like a bank.
Its closer than you think: GNU Taler is exactly that and they just announced that they will do a pilot with a German and an Hungarian coop bank.
I do not get it! It sounds more like another crypto that a fiat payment system! Bother sender and receiver need Taler making it very un - interoperable. They also love stating that the receiver can be taxed. Lame!
No it has nothing to do with crypto currencies.
Its a payment system like credit cards or google pay, which also needs support on both sides.
And for it to ever get regulatory approval to work with existing banks and fiat currencies it will need to have some sort of seller transparency (i.e. tax transparency). But this is a big step forward for a digital payment system to have cash like buyer privacy, which no other digital payment system currently has (arguably not even crypto currencies).
Ok. I was reading about its Kudos Coin - but it seems that this is just a monopoly/play test currency for the system. The constant sycophantic notices about tax evasion etc are still lame! Hopefully it takes off but if I had to bet I would do so for it failing.
You won’t find FOSS.
There are alternatives to Google Pay on Android however. My bank (a “Sparkasse”, German government-owned bank) has its own mobile payment app which appears to just simulate a Visa/Mastercard’s NFC chip. IME it works pretty much on any terminal that accepts physical contactless cards.
Banks have much stricter privacy policies by law and I need to accept their terms anyways.
Not FOSS, but have you considered payment rings? I use Mclear ringpay. its effectiverly a prepaid debit card, which is stored inside a ring using contactless.
No battery, no recharging, no data.
thats how I’m solving the issue
not being foss kinda sucks but that’s pretty cool. I heard about them once actually
The most techy: copy your bank card nfc (need some hacking)
The compromise: use apps that are not google pay, but still not foss
The easiest: just put your bank card in the case of your phone
The smartest: use monero
The god: use cash
copy your bank card nfc - do you know a guide for this?
copy your bank card nfc
From what I’ve been able to find, this is not possible with modern cards: https://android.stackexchange.com/a/21986/283347
