[정보] Plastiq CEO와의 AMA (업데잇하는중)

안녕하세요

레딧에서 plastiq CEO와의 Ask Me Anything 에서 중요한 점 몇몇개를 퍼왓습니다

1) 비자 / 아맥스 카드로 미래에 몰게지를 다시 낼수 잇게 되나요??

A:  "To be honest we do not see this as coming back in the near term or perhaps even long term. VISA has been very clear about mortgage and, more broadly speaking, any payments that are considered "debt". This is due to a lot of reasons some of which are not VISA related. Many states frown upon paying off "debt with debt". Since credit is also considered a form of debt, and you are using it to pay a mortgage, that can get VISA and banks into trouble for supporting that type of category. You can actually see a nice summary of this in VISA's global public operating regulations which are public if you google them. Around page 467 in their rules you can see their current status on "Debt". To be clear, Plastiq's stance has always been that mortgage, in particular, should be different as its more of an investment (as defined by federal government) than a true debt or certainly an uncollectible debt. Nonetheless we must comply with the VISA rules and we have a healthy and positive relationship with VISA that frankly we want to protect so we can still allow VISA for the many other payments we do"

줄거리 : 정부에서 크레딧 카드도 빚으로 보기 때문에 빚을 빚으로 갚는걸 안좋아한다고 합니다. 그러므로 비자는 정부 방침에 따라 몰게지를 크레딧 카드로 못내게 하는거라고 하네요 ;;. 

2) 현재 아맥스는 rent, education, utilities, government/tax/related, club memberships/dues 요 카테고리만 되는데 미래에 다른 카테고리도 추가 될 예정인가요?

A: "Here is the exact status of this:

1) Had issue with Amex last October where we had complete outage (as some of you likely recall)

2) Resolved that issue in ~10 days and were back on for our main verticals allowed by Amex (rent, education, utilities, government/tax/related, club memberships/dues)

3) Have been working with Amex to expand to other verticals that we see demand for.

On (3), we have had discussions as recently as this week. Those discussions are encouraging. I am hoping before end of summer we can open up to a variety of new verticals that would allow (near) parity to, say, MasterCard use (which has very little restrictions).

For avoidance of doubt, mortgage is not one of the categories being discussed with Amex. They have made their stance very clear (I outline some of the potential logic in another question) and there is 0\% wiggle room at this time."

줄거리: 현재 플라스틱에서 아맥스랑 category 추가하는 방안에 대해서 논의중이라고 합니다. 아마 빠르면 이번 여름 끝나기전까지 카테고리가 추가 될 가능성이 잇다고 합니다.

현재 AMA을 진행중이니 혹시라도 마모분들중 여쭤보실께 잇으면 https://old.reddit.com/r/churning/comments/8yl8vv/im_eliot_buchanan_ceo_of_plastiq_ama_again/ 여기서 여쭤보세요 :)

저도 더 중요한 정보들이 올라오면 추가로 업데잇 하겟습니다 :)