Blake Hall

Even if you don't have the R&D budget of a Disney, even if you're like a little app developer that's like just getting going, has dreams of competing with the giants, but doesn't necessarily have the budget to make your login and identity experience on par. So I looked at Disney. I looked at Amazon as another one of amazing data about feedback loops.

Even if you don't have the R&D budget of a Disney, even if you're like a little app developer that's like just getting going, has dreams of competing with the giants, but doesn't necessarily have the budget to make your login and identity experience on par. So I looked at Disney. I looked at Amazon as another one of amazing data about feedback loops.

And the problem is that the newer upstarts don't have that data. But if people begin to take their own data with them and they're starting to populate profiles of their tastes and their preferences, and if an app developer is willing or is able to have somebody give them consent to access some part of their identity graph, you could actually create a level playing field.

And the problem is that the newer upstarts don't have that data. But if people begin to take their own data with them and they're starting to populate profiles of their tastes and their preferences, and if an app developer is willing or is able to have somebody give them consent to access some part of their identity graph, you could actually create a level playing field.

I had both sides. I mean, I had Russian callers calling me up during the pandemic and telling me where I lived, where my kids went to school. We had private security on the house when Christmas, where I had former Marines that were around it. So I've gotten a lot of death threats as we've cut off fraud. And for me, whatever, I don't care. It's my family that I care about the most.

I had both sides. I mean, I had Russian callers calling me up during the pandemic and telling me where I lived, where my kids went to school. We had private security on the house when Christmas, where I had former Marines that were around it. So I've gotten a lot of death threats as we've cut off fraud. And for me, whatever, I don't care. It's my family that I care about the most.

I think on the corporate side, we're disrupting these data brokers. And we went through an episode in 2022, just a couple of years ago, where these data brokers basically created a lot of misinformation and FUD.

I think on the corporate side, we're disrupting these data brokers. And we went through an episode in 2022, just a couple of years ago, where these data brokers basically created a lot of misinformation and FUD.

And I just had no idea how the media worked and how this whole dark arts work thing where lobbyists pull the wool over staff's eyes and get them to write a letter and get principals to sign it. The media covers the letter. They don't even care what's true. They won't even come to you to be like, is this accurate? They just cover the letter.

And I just had no idea how the media worked and how this whole dark arts work thing where lobbyists pull the wool over staff's eyes and get them to write a letter and get principals to sign it. The media covers the letter. They don't even care what's true. They won't even come to you to be like, is this accurate? They just cover the letter.

And then it's the Mark Twain quote, like a lie gets twice around the world before the truth has time to lace up its boots. And that's exactly what happened to us on the way up. Phil Knight talks about that in his book, Shoe Dog, where once the incumbents don't have a product or a business model response, they start to come after you to tarnish the new technology as unsafe.

And then it's the Mark Twain quote, like a lie gets twice around the world before the truth has time to lace up its boots. And that's exactly what happened to us on the way up. Phil Knight talks about that in his book, Shoe Dog, where once the incumbents don't have a product or a business model response, they start to come after you to tarnish the new technology as unsafe.

Love that question, because that is a job of a leader. The job of a leader is to basically, from first principles, look at a team and be like, hey, you're fine, but the scope creep, you're doing way too many things. You need to focus. You do best.

Love that question, because that is a job of a leader. The job of a leader is to basically, from first principles, look at a team and be like, hey, you're fine, but the scope creep, you're doing way too many things. You need to focus. You do best.

And so that's how I think about credit bureaus play a really important role in the economy in terms of figuring out your credit worthiness and whether or not what's the probability you're going to pay a loan back based on your reputation. But should they be the gatekeepers of identity? Heck no. That doesn't make any sense.

And so that's how I think about credit bureaus play a really important role in the economy in terms of figuring out your credit worthiness and whether or not what's the probability you're going to pay a loan back based on your reputation. But should they be the gatekeepers of identity? Heck no. That doesn't make any sense.

That's why you can literally look at who has a fine time with credit bureaus, higher income people who has a tough time. Why? Because they're underbanked or unbanked. And so why would you want to make those vendors the gatekeepers for identity? And so when I'm like, how would you really design it if you were to do it from just pretend that nothing exists?

That's why you can literally look at who has a fine time with credit bureaus, higher income people who has a tough time. Why? Because they're underbanked or unbanked. And so why would you want to make those vendors the gatekeepers for identity? And so when I'm like, how would you really design it if you were to do it from just pretend that nothing exists?

And you'd say identity naturally comes from health care and from government. Your identity life cycle begins in a hospital where you're born, you get a birth certificate, and then the birth certificate is sent off and the Social Security Administration issues you a social security number.

And you'd say identity naturally comes from health care and from government. Your identity life cycle begins in a hospital where you're born, you get a birth certificate, and then the birth certificate is sent off and the Social Security Administration issues you a social security number.