问HN：有没有人愿意和我一起挑战支付处理网络？
冒险一试<p>我一直在开发一个原型支付网络，允许人们以传统支付方式成本的一小部分发送和接收付款。<p>我在创建我之前的金融科技公司Safepay（YC S20）时开始着手这个项目，意识到卡网络在金融科技公司两端提取了多少价值，进而影响到依赖它们的企业，我认为一定有更好的解决方案。<p>我想我找到了这个解决方案，而唯一阻碍我的是找到合适的人一起合作。<p>那么，这是什么呢？（链接见下文）<p>这个想法是允许人们通过简单的别名进行付款和收款。比如，从你的Chime账户向你在Coinbase的朋友发送钱，或者使用你的Revolut账户通过Stripe支付给商家。晚餐后，用你的银行应用扫描收据上的二维码，结算账单。<p>在后台，我们在不同参与者之间传递消息，并使用稳定币处理净额和延期结算。<p>你感兴趣吗？<p>如果你觉得这可能是你想参与的项目，请发邮件给我，邮箱是ziayd@paylias.xyz。你应该具备较强的技术能力，以便我们能够合理分配工作量，并且要谦虚，明白这将是一项可能需要几年才能见效的艰苦工作。我相信还有其他人也在思考或从事这个项目，因此时间对我们来说是个挑战。<p>感谢你的阅读，即使这对你没有直接的相关性，你也可以通过点赞来帮助建立一家公司，并将其呈现给合适的人。
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Going out on a limb here<p>I’ve been working on a prototype payment network that allows people to send and receive payments at a fraction of the cost to traditional rails.<p>I started working on this when building out the previous fintech I started, Safepay (YC S20) and realized how much value card networks extract from fintechs on both sides, and by extension the businesses that rely on them and thought that there has to be a better way.<p>I think I’ve found what this could be and the only thing holding me back is finding the right person to take this on with.<p>So what is it? (Links added below)<p>The idea is to allow people to make and receive payments through simple aliases. Send money from your Chime account to your friend on Coinbase or pay a merchant using Stripe with your Revolut account. Scan a QR code on a receipt with your banking app after dinner and settle the bill.<p>In the background we pass messages back and forth between different participants and process net, deferred settlements with stablecoins.<p>Are you interested?<p>If you think this could be something you see yourself working on, email me at ziyad@paylias.xyz. You should be technically strong so we can distribute the workload between each other and humble enough to know that this will be a grind that may take a few years to play out. I’m sure there are others thinking or working on this so time is against us.<p>Thank you for reading and even if this isn’t relevant for you, you could help build a company just by upvoting this and bringing this in front of the right person