Blake Hall

There's all these programs and things that can help, but if you're displaced, you're trying to get your dog or your cat and just figuring out a hotel room, you don't have time to research FEMA or nonprofits and figure out what's going on.

There's all these programs and things that can help, but if you're displaced, you're trying to get your dog or your cat and just figuring out a hotel room, you don't have time to research FEMA or nonprofits and figure out what's going on.

And so we have this amazing ability that if we're doing it right, that whether it's disaster relief, taxes, retirement, graduating from college, buying a house for the first time, we can help provide a curated view of here's all of the government and nonprofit and private sector issues offerings that are relevant to you.

And so we have this amazing ability that if we're doing it right, that whether it's disaster relief, taxes, retirement, graduating from college, buying a house for the first time, we can help provide a curated view of here's all of the government and nonprofit and private sector issues offerings that are relevant to you.

And when you want to get access to it, there's the ID me button waiting so that you don't have to create a login and fill out forms and waste hours of your life or maybe even have to go in person if they use a vendor that doesn't cover you because you live overseas.

And when you want to get access to it, there's the ID me button waiting so that you don't have to create a login and fill out forms and waste hours of your life or maybe even have to go in person if they use a vendor that doesn't cover you because you live overseas.

If in five years we can be everywhere that you want to be to borrow a line from Visa for online use cases, and we're helping connect people to relevant financial programs and benefits that matter faster, then what an amazing impact and legacy to leave on the world.

If in five years we can be everywhere that you want to be to borrow a line from Visa for online use cases, and we're helping connect people to relevant financial programs and benefits that matter faster, then what an amazing impact and legacy to leave on the world.

Yeah, I think maybe I'll start with philosophy and then I'll go into like how I did it Friday typically to separate the two. I think philosophically, I just don't believe in charging customers for anything unless I've created value that demonstrably makes them better off. So I never wanted my incentives at odds with my customer.

Yeah, I think maybe I'll start with philosophy and then I'll go into like how I did it Friday typically to separate the two. I think philosophically, I just don't believe in charging customers for anything unless I've created value that demonstrably makes them better off. So I never wanted my incentives at odds with my customer.

And I view if someone buys our software, I want that person to get promoted. And if somebody uses our software, I want their life to be better for me having been a part of it. So that's where I'm coming from, which just goes back to service and purpose, which are core drives for me and for a lot of folks who are built that way. Now, I saw two things.

And I view if someone buys our software, I want that person to get promoted. And if somebody uses our software, I want their life to be better for me having been a part of it. So that's where I'm coming from, which just goes back to service and purpose, which are core drives for me and for a lot of folks who are built that way. Now, I saw two things.

When I saw that basically Visa and PayPal were the V1.0 of this market, I looked at how their business model was designed. Visa doesn't sell data. Visa sells trust and convenience. You decide if your money moved to a merchant when you want to pay. And what Visa did is they basically has a business model that adjusts to risk and value.

When I saw that basically Visa and PayPal were the V1.0 of this market, I looked at how their business model was designed. Visa doesn't sell data. Visa sells trust and convenience. You decide if your money moved to a merchant when you want to pay. And what Visa did is they basically has a business model that adjusts to risk and value.

The amount, the financial dollar of the transaction is the value. And then risk is, well, is card present or is it not present? Is it online? And then grocery, jewelry, very complicated business model that they've unpacked. On a more round truth note, we were using a credit bureau, I won't say who, back in, this is like 2015 timeframe, and just for records validation.

The amount, the financial dollar of the transaction is the value. And then risk is, well, is card present or is it not present? Is it online? And then grocery, jewelry, very complicated business model that they've unpacked. On a more round truth note, we were using a credit bureau, I won't say who, back in, this is like 2015 timeframe, and just for records validation.

So just if we try to find a name, date of birth, social address in records, could we find it? And these credit bureaus will charge you transactionally. So every time that you query their API, you have to pay money. How does that manifest in practice? I saw there were two veterans. One was in his 60s. The other one was in his 70s. One had just recently moved.

So just if we try to find a name, date of birth, social address in records, could we find it? And these credit bureaus will charge you transactionally. So every time that you query their API, you have to pay money. How does that manifest in practice? I saw there were two veterans. One was in his 60s. The other one was in his 70s. One had just recently moved.

The other one had credit, even as an older person, just never had credit. These two folks tried 50 to 70 times each to prove their identity. It looks really cheap. It's like 25 cents an API call, or depending on what you're calling, it could be 10 cents an API call. But then you have to play it through in terms of, I can only imagine how frustrated those two veterans were with us at that moment.

The other one had credit, even as an older person, just never had credit. These two folks tried 50 to 70 times each to prove their identity. It looks really cheap. It's like 25 cents an API call, or depending on what you're calling, it could be 10 cents an API call. But then you have to play it through in terms of, I can only imagine how frustrated those two veterans were with us at that moment.