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Where it is already operational and available elsewhere worldwide. Unfortunately complex lobbying and Wall Street not being a fan of it as they’re the biggest loser makes it slow to get it done in the US.
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In the EU you also cannot just get a token to open banking.
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Deleted. I don’t like starting rage baits… ;)
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With vibe coding, you can make a bot that pretends to be human accessing the banks website, and be able to hit the bot with an API, and have the bot interact with the bank for you.
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However, you’d be liable for the losses due to fraud in this scenario
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