djherbis
The top results (click on the top Solutions) were pretty impressive: https://www.kaggle.com/competitions/drawing-with-llms/leader...
To my knowledge, they make money because they act like a credit card (they collect cc fee from the seller), but actually just proxy the charge to your bank account. You basically lose out on any your own cc rewards though since you can't proxy to another cc (then they would lose their profit margin paying your cc provider).
Personal example of when I found it useful: I used a burner card from them to buy a board game online, turns out the site was hacked, leaked the card info, additional charges were attempted but failed because the burner card settings only allowed the original charge through. Was really glad I didn't use my own cc.
It doesn't have the composability features yet, but it already handles 1 writer with many concurrent readers. Let me know if that helps!