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Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @11:36PM (#46998978)
your "negligence" on understanding the ramifications of pushing the "button" resulted in your "liability".

Reframed so maybe you'd better understand the relationship between these concepts. This isn't cutting edge precedent!

Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @11:33PM (#46998964)
this is a very interesting workaround. our kyb policies would allow this. someone also brought up using a DAO to register a corporate entity. This could also work
Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @02:27PM (#46993769)
my brother in christ an agent can't even create a moltbook account without human verification calm down
Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @01:54PM (#46993291)
> Whereas it is not so obvious that running a random script from github that spins up an agent with access to your home folder could lead to real world financial crimes.

disagree, and the courts will likely take this position as well. ignorance has never been a defensible strategy to avoid liability.

pick up a detonator, it's up to you to understand where the bombs are positions what's in the blast range.

Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @12:05PM (#46991434)
Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @12:02PM (#46991374)
An agent could open this bank account if you prefer to give it access to your social, passport, etc - entirely up to the individual's risk profile.

Liability always follows the human as has been the case with all tools, motor vehicles, and pets.

Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @12:01PM (#46991341)
I'm actually so afraid
Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @12:00PM (#46991333)
I made the site, and it's unbelievable how shitty it gets when hardware acceleration is off.

I just assumed tech enthusiasts who'd use this would be a more enlightened species

Re:AI agents can now create their own bank accounts on Thursday February 12, 2026 @11:59AM (#46991316)
We're a regulated entity, and this is an industry first. Magnolia (magnolia.financial) currently services all 50 US states and EU, and we're funded by draper, boost, and a bunch of others.

We're a real company :) (with health insurance!)

> With modern banking regulations and security procedures. I'm not even sure how that would be possible. Every bank account I've opened requires me to give them my photo ID and social security number, which AI agents don't have.

It's literally my job to know how it's possible, and to offer that up as a service with generous fees! Appreciate the input tho.

You are correct, KYC rules must be followed, and once you're off the waitlist (which we threw up last minute to make sure this system wasn't abused by an influx of demand) you'll be able to go through typical banking steps you're familiar with. We use persona as our KYC vendor and are highly sensitive about PII exposure.

> human would be opening a bank account...which isn't new.

An agent could open this bank account if you prefer to give it access to your social, passport, etc -- entirely up to the individual's risk profile.

What is new is a whole interface designed for an ai agent with guard rails to ensure it doesn't get itself in trouble by violating obscure BSA laws. Magnolia's job has always been to handle the compliance.

Ask HN: Why don't many platform data products offer self hosted?

Leading a new team to unify a lot of our data sources at my company, and searching for vendors/tools from BI to data exploration (through means of a data catalogue) to data ingestion.A hard requirement is we need to be own our data because data leaks for us are incredibly detrimental to our customers (in ways where even email leaks can allow our custs to be targeted by phishing, scams for years...

( Read More... | 3 comments | 3 points | on HN )
Could the gov tell there’s a discrepancy in taxes paid and taxes reimbursed?
Would consider taking this seriously if it wasn’t greenpeace
For the love of God, please. Siri is so inadequate, especially compared to virtually every other voice assistant it’s incredible. I rely very heavily on ChatGPT’s voice assistant, especially in the last week or so and all I wish is that I could plug into my iPhone for basic commands
Re:Flipper Zero can be used to crash iPhones running iOS 17 on Tuesday October 17, 2023 @04:31PM (#37921150)
From the perspective of profit incentives, this makes perfect sense
From what I’ve seen so far the purpose is to test structured thinking, not really domain knowledge, tho that is a part of it. I’m interviewing for a position leading a payments team - I wouldn’t expect a problem related to social media

Seems like the case study is supposed to evaluate:

1. How does the candidate react to the problem 2. How do they identify “success metrics” 3. How well do they seek guidance from leadership 4. How do they go about poking at the problem 5. How do they go about constructing and validating a potential solution

I’m pretty early in my prep, so take this with a grain of salt.

For context. My background is engineering with a few yeo as TPM, the position is to lead a technical internal product with many technical challenges that may as well be considered product features

You’re right these are good. Ty!
Adding to the list!
Not sure, this is my first interview with a larger company and there is one (cashapp)

Ask HN: Best resources to prep for the Case Study portion of a PM interview?

What are the best resources to prep for the Case Study portion of a PM interview?- What guides should candidates take a look at- What websites can they use to practice (does something like pramp exist where candidates can spar against one another?)- What are some example case studies PMs can expect to see? I'm interviewing for a TPM role, so I'd be curious about the variation one might expect...

( Read More... | 9 comments | on HN )
Is this satire? What option would someone have if they’re:

1. Unable to commit to a location long term (students, seasonal workers, people trying to find their fit)

2. Unable to fiscally purchase property (not everyone can just buy a condo

3. Unable to fiscally commit to a property/location - many people have dynamic incomes over time. What they can afford one year may not be the same the next.

Many people have unstable living situations one way or another, and I put myself in this category. People like the verbiage of “landlords do nothing” but in reality they take on the risk of property ownership so people forced to think short term don’t have to.

And here I had no idea there was a separate app for Spotify live. Splitting functionality out like that seems like the feature would’ve died from day one
Re:How ChatGPT was built from the people who made it on Sunday March 05, 2023 @08:52PM (#35036583)
This article is less about how ChatGPT was built and more about how surprised openAI was by the success and why
You absolutely should, but also - charging a paltry amount is hilariously in line with the lessons about stealing every inch that you’ve been forced to learn
Re:Why a global recession is inevitable in 2023 on Sunday January 01, 2023 @12:28PM (#34208447)
Zanny Minton Beddoes (the writer of that piece) has a degree in economics from Oxford, a masters from Harvard, worked for the minister of finance Poland, and has worked for the economist for the last 30 years.

She’s conducted surveys and covered policies across the world from South America to Moscow (all this per Wikipedia).

I think she’s well qualified to provide opinion, not sure if I’ll take it - but that’s the point of an opinion piece.

What have you done to qualify yourself for your job? Except write snarky, poorly written and ill contributing comments on this forum for the last decade?

Now that it's open source, what's stopping you from integrating it into your workflow? Have you ever even tried it?

I don't think the being locked in a proprietary workflow bit is your real reason, because when you break it down - this doesn't make much sense. Fear of needing to switch workflows down the line outweighs the [potentially temporary if company dies] boost in productivity?

Of course, this assumes kite fits your workflow well and you find it delivers value (you don't cancel immediately)

Re:Your account is permanently suspended on Thursday October 20, 2022 @02:37PM (#33278822)
Believing this is a normal/typical way of using twitter is one of the most neurotic things I’ve read on this forum

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