MurphyA/hacker-news huggingface dataset:
Show HN: The Money Company – Talk to your bank in plain English
by mafiaboi | 2025-05-20 20:30:58+00:00
Hey HN - I’m Mert, one of the founders of thecompany.money. We let you manage personal or company finances simply by chatting with your existing bank accounts—no spreadsheets, dashboards, or finance-speak required.

Most banking apps are great at showing line items but painful at answering questions:

“How much can I safely burn each month and still have 18 months runway?”

“Which vendor categories jumped the most this quarter?”

“If I max out my ISA, how does that change my tax bill?”

Founders (myself included) end up exporting CSVs, writing one-off formulas, or pestering a CFO friend on Slack.

Unified pipes to your accounts – Open Banking + Plaid + a couple of direct bank partnerships pull transactions and balances in real-time.

Domain-tuned LLM – We built a finance-specific finetuned language model + tool-calling layer that understands “What did I spend on infra last month?” and returns a clear answer, supporting docs, and the SQL it ran under the hood.

Action shortcuts – From the same chat you can schedule transfers, set budget alerts, or spin up an “instant runway report” PDF for investors.

Privacy & security first – Read-only access by default, end-to-end encrypted storage, and we never train models on raw user data.

Where we are Private alpha with 200 live users (mostly early-stage founders and indie-hackers).

Handling ~£12 M in linked balances; average chat latency is <1.5 s.

SOC 2 readiness audit in progress.

What's next? We’re expanding beyond “answers” into perks that used to be exclusive to the ultra-wealthy—think last-minute restaurant tables, card-linked cashback, concierge bookings—surfaced automatically when your spending patterns qualify.

Please let us know what kind of perks you would like us to add to the platform. We would also appreciate to hear any requests or problems you have had with a financial advisor if you ever worked with one
by bscphil | 2025-05-20 20:31:01+00:00
There are definitely some Unity games I've really liked - the Ori games, Hollow Knight - but the engine has never been a positive of my experience with the game. They're full of jank and physics bugs, and in a weird hard to describe way kind of feel "alike". You know you're playing a Unity game, which is bizarre for a part of the game experience that's so low level.
by toyg | 2025-05-20 20:31:33+00:00
But still, 3 years later, the Playstation did the same thing and it was a fantastic success.

CDTV was simply a bit early (hence the price) and a bit confused about what it wanted to be. It cost like a development machine but it was a fundamentally end-user one; it provided continuity for Amiga developers but only a hard reset for Amiga users. It also debuted in harsh economic times.
by hackrmn | 2025-05-20 20:31:34+00:00
Ok, this reminds me of that Black Mirror episode,

*spoilers ahead*

where the lady had a fatal tumor cut out for emergency procedure, only for it to be replaced by a synthetic neural network used by a cloud service with a multi-tier subscription model where even the basic features are "conveniently" shoved into a paying tier, up until the point she's on life support after being unable to afford even the basic subscription.

Life imitates art.
by matthewhefferon | 2025-05-20 20:31:40+00:00
I’ve worked on customer-facing analytics at two companies. A large organization where we used Tableau, and a startup where we used Metabase.

At the larger company, we explored moving off Tableau to save on license costs. We started prototyping in-house dashboards using React with libraries like D3.js, Visx, and Recharts. But it quickly became clear it was too much effort to get something stable and usable, so we dropped the project.

That was the core frustration. We wanted analytics to feel native to our product, but kept hitting a tradeoff. Tableau was fast to stand up (the team already knew it) but never felt like our product. Building in-house gave us the control and flexibility we wanted, but the dev lift was too high and our data team wasn’t set up for frontend work.

At the startup, we didn’t run into performance issues. But at the larger org, we started having performance issues. We migrated from Redshift to Snowflake and rebuilt our row-level security model to only query scoped data. We also limited historical ranges to keep things performant.

The use cases were different too. At the large org, users just needed to view a handful of dashboards inside our app. At the startup, we wanted customers to dig in, explore their data, and build their own charts.

What still feels missing is giving data teams true ownership of the embedded experience. In practice, software engineers usually don’t want to deal with analytics. They want to focus on product work. But embedding, styling, and access control often require engineering help. I think that gap is still real today. Maybe as analytics engineers become more full stack, that handoff will get easier, but right now it’s still a source of friction imo.
by refulgentis | 2025-05-20 20:31:44+00:00
I'm not 100% sure what their rationale is for it, the launch version of style control was a statistical model that penalized a few (4?) markdown shibboleths (lists, headers, ?).

Not sure if they've shared more since.

IMVHO it won't help, at all, even if they trained a perfect model that could accurately penalize it*

The main problem is its one off responses, A/B tested. There's no way to connect it into all the stuff we're using to do work these days (i.e. tools / MCP servers), so at this point its sort of skipping the hard problems we'd want to see graded.

(this situation is a example: whats more likely, style control is a small idea for an intractable problem, or Google has now released multiple free models better than Sonnet, including the latest, only 4B params?

To my frustration, I have to go and bench these things myself because I have an AI-agnostic app I build, but I can confirm it is not the case that Gemma 3-not-n is better than Sonnet. 12B can half-consistently make file edits, which is a major step forward for local tbh)

* I'm not sure how, "correctness" is a confounding metric here: we're probably much more likely to describe a formatted answer in negative terms if the answer is incorrect.

In this case I am also setting aside how that could be done, just saying it as an illustration of no matter what, it's the wrong platform for a "how intelligent is this model?" signal, at this point, post-Eliza post-Turing, couple years out from ChatGPT 1.0
by kstrauser | 2025-05-20 20:31:44+00:00
Right? And I think that's what keeps bringing me back to REBOL, and thus Red. They don't appeal to me on the face of them. Like, the code examples look interesting but in a "magical" kind of way that strikes a little bit of fear into my engineering heart. But with that kind of pedigree, I can't dismiss the ideas. If Sassenrath came up with it, I bet there's a kernel of awesomeness inside.
by vicentesteve | 2025-05-20 20:31:50+00:00
Thanks for this — I really appreciate how clearly you explained the issue.

You're absolutely right that, by definition, a verifier for an NP language must return false for all certificates if the instance is not in the language. That’s a fundamental property, and I fully agree with it.

What I intended in my construction is that the verifier accepts only if the parity check specified by the certificate actually fails — it recomputes the encoded value *_n(), verifies the parity check at index , and accepts only if there's a real mismatch. If the circuit is correct, then no matter what or you give, that mismatch shouldn't appear, so the verifier should always reject.

That said, I totally see how the way it's currently written might be unclear or misleading. It’s very possible that I need to make this logic more explicit, or even re-express the verifier definition to better align with the formal NP structure. I’ll take a closer look and make sure that the construction is not only correct, but clearly communicates the intended behavior.

Thanks again for pointing this out in such a precise way — it's exactly the kind of critique that helps me make this better.
by int_19h | 2025-05-20 20:32:38+00:00
This is actually something that foreigners working at Big Tech US companies should be able to understand very well, because English as a system language is often how software developers set things up for themselves regardless of their native language.

But they don't make those decisions. It's a UX thing, which means that in practice whoever is in charge of "driving up the numbers" is going to be making the decision; the engineers just get to cuss while implementing it.
Show HN: I solo built OpenAI Codex 3 days before launch
by guy_ross | 2025-05-20 20:32:56+00:00
Three days before the release of Codex I launched Vibe-1. Today Google released Jules. With the paywall of Codex and the load times of Jules, I thought this would be a good opportunity to showcase Vibe-1.

Vibe-1 was one of the first asynchronous coding agents that ran directly inside of Github code bases.

I built this by myself in roughly 2 weeks (1 week of building it, and 1 week of marketing).

IMO, when it works, it feels like magic.

A day before my big launch, X stopped running my ads, killing the momentum-- before X support could get back to me, OpenAI came out with Codex.

Despite what OpenAI and Google do with their products, I still plan on maintaining and contributing towards Vibe-1. My next big feature is a digital "project manager" layer that sits on top of project (focused towards vibe coders).
by dzink | 2025-05-20 20:35:10+00:00
Here is another screenshot and screenshots of the email exchange with the person in the logs. https://www.dropbox.com/scl/fi/v0x26d5jvou5k9gvx5tnd/IMG_205...

Emails: https://www.dropbox.com/scl/fi/s6ed1brrcvc0hncig7nm0/IMG_205...

https://www.dropbox.com/scl/fi/ohafavhr9nlqfedlbfxrd/IMG_206...
by mindslight | 2025-05-20 20:35:23+00:00
"Evidence" is a pretty high bar to clear, especially considering one of the reasons the healthcare industry was able to get so callous is exactly by focusing on top-down whole-cohort metrics while ignoring individual patients. I'm sure everything looks great from inside the system.

Anecdotally, healthcare management companies insist on individuals getting referrals from "primary care providers", who take several weeks to provide an appointment, a few weeks more to issue a referral, and will only do one referral at a time even for unknown problems despite it taking several months to get an appointment with a specialist. And finding an available new primary doctor is most certainly not easy, either. This has been my experience for myself and a handful of other people I've advocated for, across several different "insurance" companies. Obviously none of those requirements are necessary, except for expanding the bureaucracy to meet the needs of the ever expanding bureaucracy, but it has the net effect of constructively denying healthcare.

Might there be some regional healthcare system in the US where patients are seen promptly and where the bureaucratic procedures create efficiency rather than functioning as mechanisms to stonewall and run down the clock? Sure, of course. But given the terrible dynamics that are allowed to fester, it feels like a working system is the exception rather than the norm.
by grep_name | 2025-05-20 20:35:38+00:00
Not the parent, but I also tried to switch around two or three years ago and was very frustrated. The draw was the 'built-in LSP' with all these new features, along with treesitter.

'Built-in LSP' turned out to mean installing and configuring three pretty involved lua plugins at the time iirc. The experience really highlighted for me how un-seamless lua was in the project compared to vimscript. I found it to be a nightmare to configure and get used to. I came away wondering how it could possibly be such a pain, and baffled as to why it was claimed to be 'built-in' when getting ALE to work on vanilla vim took way less time, and felt way more in line with the rest of the program. Ironically it actually gave me an appreciation for vimscript that wasn't there before.

Eventually issues continued to kind of build up for me until I decided to just cut it. Everywhere I encountered lua felt crufty and difficult to work with, and those integrations made the concise, tight vim I'd gotten used to feel really nebulous and unweildy. I never quite got the treesitter syntax highlight to work correctly, and even when it did work having the highlighting dynamically change while typing frustrated me. I ended up slowly switching back to my old vim-compatible plugins one by one, until eventually I just went back to vim, since a lot of the neovim features that diverged from the original design philosophy bugged me and since I'd developed a strong aversion to anything involving lua in the program I wasn't getting anything out of using neovim.
by troupo | 2025-05-20 20:35:52+00:00
IIRC think their original roadmap had 1.0 around 2020. And that was going to include everything, including async written from scratch in a language where nothing was made for async.

Then the roadmap slipped, and then never mentioned again.

But I haven't looked at the language or discussions around it for a long while now.

Edit: found some old discussion here. In 2018 they were at version 0.6.4 https://news.ycombinator.com/item?id=18864840

In 2025 they are at version 0.6.6: https://github.com/red/red/releases
by rayiner | 2025-05-20 20:35:58+00:00
It seems like a bit of A and a bit of B, perhaps more A than B.

How do we maintain global reserve status—what is the cost? Is it one of the reasons why have military bases all over the world? Back in the day, people used to say the U.S. went to war in Iraq because Saddam was going to switch away from the petrodollar. Under your reserve-currency theory, that seems quite possible, no?
by nowittyusername | 2025-05-20 20:36:02+00:00
Understanding that no outside provider is going to care about your privacy and will always choose to try and sell you their crappy advertisements and push their agenda on you is the first step in building a solution. In my opinion that solution will come in the form of a personalized local ai agent which is the gatekeeper of all information the user receives and sends to the outside world. A fully context aware agent that has the users interests in mind and so only provides user agreed context to other ai systems and also filters all information coming to the user from spam, agenda manipulation, etc... Basically a very advanced spam blocker of the future that is 100% local and fully user controlled and calibrated. I think we should all be either working on something like this if we want to keep our sanity in this brave new world.
by _DeadFred_ | 2025-05-20 20:36:56+00:00
Your meticulous prompt is using the work of thousands of experts, and generating a mashup of what they did/their work/their commitment/their livelihood.

Their placement of books. Their aesthetic. The collection of cool things to put into a scene to make it interesting. The lighting. Not yours. Not from you/not from the AI. None of it is yours/you/new/from the AI. It's ALL based underneath on someone else's work, someone else's life, someone else's heart and soul, and you are just taking it and saying 'look what I made'. The equivalent of a 4 year old being potty trained saying 'look I made a poop'. We celebrate it as a first step, not as the friggen end goal. The end goal is you making something uniquely you, based on your life experience, not on Bob the prop guys and Betty the set designer whose work/style you stole and didn't even have the decency to reference/thank.

And your prompt won't ever change dramatically, because there isn't going to be much new truly creative seedcorn for AI to digest. Entertainment will literally go into limbo/Groundhog Day, just the same generative, derivative things/asthetics from the same AI dataset.
by ivape | 2025-05-20 20:37:05+00:00
Dude.

Making a movie is not accessible to most people and it's EVERYONES dream. This is not even there yet, but I have a few movies I need to make and I will never get a cast together and go do it before I die. If some creatives need to take a backseat so a million more creatives can get a chance, then so be it.
by ornornor | 2025-05-20 20:37:15+00:00
I worked at a startup (that is still a startup going nowhere 12 years later) where the ceo and cto made a big show of the town hall and in particular the “open questions” part. Anyone could go on a little internal app, ask an “anonymous” question, and they’d answer all of this week’s questions each week.

In reality, they cherry picked the questions that they wanted to talk about and ignored the hard ones. We could tell because all asked questions were publicly visible in the app. But not all answered “ah we’re out of time”

So I once posted a question about why were the interns unpaid while writing code we shipped in production. I posted this question just after the previous town hall so that it would stay visible in the app for the longest time until the next town hall and would also be top of the list of pending questions.

For a couple weeks they said they wanted to answer it but needed to ask clarification questions to make sure they understood correctly, so could please the asker reveal themselves as it’s only fair. I never said it was me and nobody said it was them either. They couldn’t just delete the question like they usually did with unanswered questions before as this had stirred quite a little storm between employees. And it would clash with the “we’re open and fair” koolaid they were serving us.

Eventually, they deleted the question without annswering it “since the asker doesn’t have the courage to reveal themselves” and I was laid off which was “totally unrelated to the question you asked”.

Before leaving I dumped the database for that app out of curiosity. You bet that every single question also had an entry of who asked which question. They knew all along.
by behnamoh | 2025-05-20 20:37:30+00:00
> I find the REPL and interactive development workflow invaluable. A window manager is a long-running background service by nature, and has a lot of accumulated runtime states. The ability to peek inside and debug while the process keeps running helped me a lot when building Jwno.

Sure, but any particular reason you picked Janet over Common Lisp? They both support images, REPL, hot-code-reloading, etc.
by wbrinkley | 2025-05-20 20:37:45+00:00
Reminds me of a story a contractor told me: he was building a multi-million dollar house in Hawaii as a second home for a very wealthy California couple. He said they made the kitchen exactly the same as their other house. Same appliances, same cabinets, all the exact same dishes and silverware, all in the same drawers. People like what they like, and when you're hung over and reaching for the coffee cups in the morning, you know exactly where to find them.
by dang | 2025-05-20 20:38:15+00:00
That earlier post had a few small HN discussions (for those interested):

Neural Networks, Manifolds, and Topology (2014) - https://news.ycombinator.com/item?id=19132702 - Feb 2019 (25 comments)

Neural Networks, Manifolds, and Topology (2014) - https://news.ycombinator.com/item?id=9814114 - July 2015 (7 comments)

Neural Networks, Manifolds, and Topology - https://news.ycombinator.com/item?id=7557964 - April 2014 (29 comments)
by jplusequalt | 2025-05-20 20:38:26+00:00
>If you take any high quality AI content and ask their creator what their workflow is, you'll quickly discover that the complexity and nuance required to actually create something high-quality and something that actually "fulfills your vision" is incredibly complex

This comes off as so tone deaf seeing your AI artwork is only possible due to the millions of hours spent by real people who created the art used to train these models. Maybe it's easier to understand why people don't respect AI "artists" with this in mind.
by SergioInToronto | 2025-05-20 20:39:08+00:00
> Or, you can simply remap capslock to ESC and leave the other ones alone

This is where I started. It was enough for me, until it wasn't ;)

> macports or brew

Both are good, or (the less terminally focused user) may download the apps and drag them into Applications folder. Not everyone is at the same level.

> don't have install privileges

I believe the whole article is irrelevant if you can't install your own software.
by OtherShrezzing | 2025-05-20 20:39:32+00:00
The global average salary is somewhere in the region of $1500.

There’s lots of people and companies out there with $250 to spend on these subscriptions per seat, but on a global scale (where Google operates), these are pretty niche markets being targeted. That doesn’t align well with the multiple trillions of dollars in increased market cap we’ve seen over the last few years at Google, Nvda, MS etc.
by j_seigh | 2025-05-20 20:39:43+00:00
AFAIK, the relaxed memory models are mostly from processors using pipelined execution and out of order execution. Cache has little to do with it as most modern processors have transparent cache, meaning you can't tell it there except for performance effects. Differences in memory accesses due to cache state might exacerbate some race conditions but those race conditions would still be there, cache or no cache.
by thephyber | 2025-05-20 20:40:08+00:00
You are effectively pointing at the Overton Window. For your socially conservative household, almost everyone in the world lived outside of that local Overton Window.

Air Shaffer does a stand-up bit where he says that society gives a pass to extreme artists because we value their art and we don’t really care about (or we downplay) the other aspects of their life.
by tome | 2025-05-20 20:40:13+00:00
> He doesn't say, "I can influence the stock market with affirmations," but if you read what he wrote, he is very clearly arguing that you can change reality with your thoughts.

Earlier today I was reading your comment on mobile and thinking about the reply I would make. Now I am on a desktop making that reply. I'm pretty sure, therefore, that I can change reality with my thoughts, at least to some degree.
by zchrykng | 2025-05-20 20:40:13+00:00
My point is that "renewable resource" is a fairly meaningless term when applied to stone. Sure, we technically have a finite amount of it on the planet, but we also can't possibly use it all up. Not unless we have technology that would allow us to travel outside the solar system, at which point the limited amount of stone is also moot.

Sure, it doesn't fit the definition, but there is also no reason to care that it doesn't.
by GuinansEyebrows | 2025-05-20 20:40:25+00:00
it makes sense if you believe that Google has zero business interest in UI/UX.

they've learned that they can shovel out pretty much anything and as long as they don't directly charge the end-user and they're able to put ads on it (or otherwise monetize it against the interest of the end user), they just don't care.

they've been criticized for years and years over their lack of standardization and relatively poorly-informed design choices especially when compared with Apple's HIG.