Looking for people: to brainstorm how a new open source digital payment platform could be done

My point would be precisely to not rely on unpaid volunteers to do the all important work of regenerating our ecosystems on which we all depend, but to find a way of paying people for that, so they can do it full time.

If you go to the website I gave you, there are installation instructions - although they are not in the shape you may be accustomed to - download and click, click, click, done.

From your comments I see that you disagee with almost everything I said - and yet you want to brianstorm, you say. I don’t see how that can work - if you do, please share.

At the moment it looks like this to me: let’s imagine we are in an airplane factory and I say I think we need to brainstorm about a particular project, for which I see a need. Then you come and say - no we don’t. And we don’t need that project at all. And we don’t need airplanes at all. We all have legs, we can walk, and let the brids fly - they already have wings.

Which, fair enough, is one possible answer. Although not exactly supporting the project but drawing the energy away from it. Which may be hte correct thing to do, in which case, there really is no need to brainstrom. However, so far, I do indeed see the need.

If there is a brianstorming session, ie I find people who see what I’m on about and think they might be interested to support the project with all the aims I already stated, then I’ll let you know and if you feel like it, you may come along.

Take care.

You are correct, thank you for bringing that to my attention. It looks like this thread has criticism, Debate, argue, along with some brainstorm. You may pick out from this thread the new ideas and solutions, that is your brainstorm.

Definition of brainstorm: to try to solve a problem or come up with new ideas by having a discussion that includes all members of a group. to discuss a problem or issue and suggest solutions and ideas. to suggest a lot of ideas for a future activity very quickly before considering some of them more carefully.

Focus on quantity
Withhold criticism
Welcome unusual ideas
Combine and improve ideas

Debate is a process that involves formal discourse on a particular topic.
Definition of argue: to give reasons for or against something.
lobby: a group of persons engaged in lobbying especially as representatives of a particular interest group. In politics, lobbying, persuasion or interest representation is the act of lawfully attempting to influence the actions, policies, or decisions of government officials.

  1. Install Peertube server.
  2. Install the Hive-Tube plugin to monetize all streams for the creators, site host and site visitors. There’s no middlemen like Paypal, and no licenses or KYC is needed either.
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Check out vigilante.tv - they installed the Hive-Tube plugin on their Peertube server. Now they earn, the video creators earn, and even the visitors to the site earn a passive income from it.

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Thank you agorise. You seem to be familiar with Peertube server. Terms of use for shared hosting usuially do not allow file sharing and video streaming, so I guess the best platform for Peertube is Vitutal Private Server? And I will neeed domain name and storage for videos. Can you recommend a website hosting service with all that in USA? What total cost? I tried to install Peertube on localhost to test it, too many problems, got tired and quit. Would someone like to volunteer install, setup, run, etc?

To reply to the above post, go to Volunteer webmaster wanted.

Yep, use a VPS or Dedicated.
I doubt anyone is going to be your sysadmin or webmaster for free. To find one though, you might try posting a job offer on one of the job sites out there.

I see agorise is correct. It has been nearly one day with no reply. Why is it so hard to find someone who can install and setup Peertube? What skills and time does it take? How many people have done the install and setup? This webmaster subject is off-topic here, so please reply at the other topic.

Hi,
I am José Relland, from Troyes.

Very good idea :).

In October 2021, I have had a conference call on Open source payment platform.
with:

I contacted them to discuss on « FLOSS Alternative to stripe for blue card payment ».

The answer, by this time, was: « it’s a more legal problem than a technical problem ».
They add, according to their experience «Open source is not an easy option due to the fact the code is public and the authority in charge to validate the application for the banking sector are not open to this. ».

This is the only experience I have on this topic :)…
I encourage you to contact these persons I mentioned above (perhaps already done). They are very friendly and open to share their experience.

Perhaps other « professional resources » (you could know too)

I wish you the best for you and your project.
Do not hesitate to contact for more information or actions.

Friendly; José

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Hi,

My first contribution (if possible)… to have a « hybrid » online payment platform?
for:

Have a nice day :).

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Hi José.
Thanks for your reply. I did get in touch with Christian Grothoff and he made some nice noises.

I did get in touch with Bank of France too, to ask what would be required. They asked me what legal structure I had in mind - and at that time I didn’t see it clearly. I thought a coop of some kind would be nice, but in the case of a coop there is an obligation to distribute the profits to the members - which I don’t want to do. My reasons are - potentially there could be some profit here with which we could do better things than distribute it to individuals to spend on whatever they please.

My current view is that there needs to be some kind of non-profit (association or foundation in France) that would be the sole shareholder and which would distribute those profits to certain regenerative projects (details to be worked out).
That organisation would be the owner of the business part -which would earn its money like any other payment platform - by charging a certain percentage of each transaction. This business part would be set up as a company, although exactly which legal structure would be best suited is open to suggestions and still to be defined at this point.

With the view of the feedback you got from the experts you contacted, it seems I need to get back to the Bank of France to enquire if it is at all possible to obtain a license to operate an open source payment platform commercially within the eurozone.

And if they say no, then I would hope that they would give me a reason why not, and maybe then their concerns can be somehow addressed for the license to become possible. There is a lot of open source software out there, and some of it is run commercially, so the fact that we are talking about open source does not have to be a show stopper, per se. If their concerns are security etc, we can perform a security audit, address any concerns etc… I’ll try to obtain an official answer to that from the authorities.
Meanwhile… any other constructive thoughts, wellcome.
Thank you veyry much for your links - some I am familiar with and some not yet.
Have fun.
Keep in touch
Ivana

A quick update,
I got a reply from Bank of France (which is in charge of licensing fintech in France) and they say as long as the security, user data etc reuirements re satified, the regulator is technlogy neutral. Their words.

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Taler can handle any currency, but how to implement a transfer of tokens from a bloackhain into a taler wallet - not sure. That would also, I think, be subject to a separate or additional licensing procedure, as would the local currencies. But, technically, all of that can be done.

The important thing would be to establish the degree of demand for such things - how much would the work to implement it cost and would it have a usage that would justify that investment?

The first thing is, I think: how to attract wide support, which would then make fundraising possible, and which would then open the road to working on all the necessary formalities for obtaining the EMI PSD2 license. This license is expensive - you can’t just install the softare on your server and start running it commercially. You can install it on yoru server and exchange imaginary currency between yourself and friends, but to offer it as a service to public, you have to be licensed.

So - any experience in community building?

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Hi @EarthlingIB

  1. Yes, I can understand they say they are neutral. But do they clear your project at the end!

  2. Regarding the implications in term of business and the specificity of your project, I will suggest:

The other organizations I know are more open source activist organizations
Perhaps, try https://adullact.org/.

Have a nice time, José

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Hi. Thanks very much for the links.
Whether this project will be cleared for commercial use or not we will find when we submit our application and we get the license, or we don’t. But, my view is that if we jump through all the hoops necessary by law, I don’t see why they wouldn’t approve. If there are some requirements that we don’t satisfy on application, then indeed we should be rejected until we correct the shortcomings.
It will be an interesting journey, sure. Most things are set up to serve the ‹ normal › economy, startups that chase profits, that have ‹ normal › investors who expect monetary returns on their investments, shareholders who expect monetary dividends and so on. How one can do anything differently within the given framework, remains to be seen. But people invent new things all the time, so we can too.
Thanks and keep in touch

Hi @EarthlingIB

Perhaps, if I have well understood, there is a confusion between « a commercial approach motivated by dividends » and an « economically viable activity ».

The organizations I mentioned support mainly « ethical » activities, even/often qualified as a"startup" :).

Hi @jrd10. Thank you for your message. I got a bit stuck with this - various reasons - but thanks for getting in touch and I’ll contact the organisations you recommended straight away. Will let you know what happens. Feel free to contact me via dm if you feel like it.

Just to mention: today (and yesterday) it is their annual event: Open source experience

See the replays.

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The place to be for your idea :slight_smile:

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See this conference about how to finance New Generation Internet project at the European level :slight_smile:

:slight_smile:

More information on OW2.org :slight_smile: French member organization :slight_smile:

José