Coin looks great, I want to make that clear. No ifs ands or buts, I think it's a great product. However - if you're looking for the future, I think I've got so

Coin looks great, I want to make that clear. No ifs ands or buts, I think it's a great product. However - if you're looking for the future, I think I've got something interesting - feeless payments bank to bank by oAuthing consumers directly into their online banking. Completely secure - merchants never get the personal information, they just get paid. Better: I've built it, and we have beta customers. I'm posting a couple comments on HN to start the conversation, because anyone who cares about payments or accepts them online - I'm trying to talk. You'll be hearing more from me in the coming weeks and months - and it's going to be exciting. We're going to kill credit card fees, because we don't need them anymore. If you want to talk, email me @ tommy@thecityswig.com and let's just chat. I'm not selling anything - we just need to know what hackers are thinking about payments. It's the most valuable info we can have.