Credit risk and identity dictate the speed of the funding step. If you stripped KYC out of the equation entirely, the bottleneck wouldn't just be speed — the legacy banking system would refuse to route the transaction at all.

It is important to distinguish that you are fundamentally involved in a credit network, pulling funds not pushing funds, that just gives the illusion of speed. For verified users, the sub-minute speed is a mix of local real-time banking rails and Wise extending short-term trust that the incoming funds won't bounce. For an unverified or high-risk user, Wise forces a holding period until the money physically clears, dragging the process back down to standard banking speeds.

[1] https://news.ycombinator.com/item?id=48324712

Prohormone cleavage prediction uncovers a non-incretin anti-obesity peptide

https://www.nature.com/articles/s41586-025-08683-y

Press:

Stanford scientists discover “natural Ozempic” without side effects

https://www.sciencedaily.com/releases/2026/04/260412221946.h...

Comments URL: https://news.ycombinator.com/item?id=47814776

Points: 14

# Comments: 2

Comments URL: https://news.ycombinator.com/item?id=47555537

Points: 4

# Comments: 0

[1] https://www.wgtn.ac.nz/

[2] https://www.psi.edu/staff/profile/morgan-cable/

Comments URL: https://news.ycombinator.com/item?id=47296380

Points: 2

# Comments: 1

Comments URL: https://news.ycombinator.com/item?id=47289560

Points: 6

# Comments: 0

Comments URL: https://news.ycombinator.com/item?id=47287282

Points: 3

# Comments: 0

Comments URL: https://news.ycombinator.com/item?id=47147600

Points: 3

# Comments: 2

1) Safety. In the 20th century, safety was mostly passive. Today safety is active. For example, vehicles now use ADAS (Advanced Driver Assistance Systems). If an independent shop replaces a windshield but doesn't have the proprietary software to recalibrate the cameras behind the glass, the car's Automatic Emergency Braking (AEB) might see a phantom obstacle at 70 mph and slam on the brakes. Manufacturers argue (correctly in my view) that they cannot be held liable for a car that decides to crash because a third party misaligned its digital vision.

2) Cybersecurity. There was no backdoor to a 1950s tractor because it wasn't connected to anything. Most modern vehicles are telemetric, where they are connected to the internet via cellular 5G. Manufacturers argue that if they provide open diagnostic ports to everyone, they are effectively creating a standardized digital doorway that a bad actor could use to remotely disable a fleet of tractors across the entire farming sector. In their view, right to repair creates a national security vulnerability that didn't exist when machines were dumb.

3) Environmental. If John Deere is forced to provide software tools to access the engine, a farmer might buy a "delete kit" online that uses software to bypass the Diesel Particulate Filter (DPF). This allows the tractor to run more powerfully and skip expensive emissions fluid (DEF). Deere is understandably legally terrified that the EPA will fine them as the manufacturer for facilitating emissions tampering. They are using this regulatory shield to argue that the only way to save the planet is to keep the software under lock and key.

4) The 1975 Magnuson-Moss Warranty Act. This gets interesting. Back in the day manufacturers tried to say, "If you don't use our oil/parts, your warranty is void." The Act legally protected the owner's right to use aftermarket parts. That law was written for physical parts. It doesn't say anything about digital handshakes. Today, a manufacturer can't void your warranty for using a 3rd party air filter, but they can make the engine refuse to start unless a certified digital code is entered by a dealer-authorized laptop.

The problem is that both sides are correct. The core of the R2R argument is about ownership instead of merely "licensing" from the manufacturer. Repair monopolies create an artificial scarcity, destroying economic efficiency, market competition and planned obsolescence (defeating environmental stewardship). A centralized repair model is a single point of failure, weakening resilience and national security.

Manufacturers have a strong argument against right-to-repair from the perspective of system integrity and safety - one can imagine unintended consequences and liability cascades from imperfect repair. Protection of intellectual property isn't just about software piracy and trade secrets, as opening up firmware access creates a cybersecurity nightmare of backdoors, raising environmental and regulatory compliance issues. The authorized dealer model isn't just about a monopoly - it’s about a guaranteed standard of care.

The current compromise is a subscription-based access model Memorandum of Understanding, where for a tiered subscription the John Deere customer gets a restricted version of the dealer's software [2]. The "Gotcha" in the MOU is that many farmers feel this was a bad trade because the manufacturer can change the price or the terms of the website at any time — whereas a law would be permanent.

[1] https://www.techdirt.com/2018/02/01/apple-verizon-continue-t...

[2] https://www.deere.com/en/our-company/repair/customer-service...

1) zkcreds-rs (zk-creds) [1]

2) zkLogin (Sui Foundation) [2]

3) TLSNotary [3]

4) DECO (Chainlink/Cornell) [4]

5) Anon-Aadhaar [5]

[1] https://github.com/rozbb/zkcreds-rs

[2] https://github.com/mystenlabs/sui/tree/main/sdk/zklogin

[3] https://github.com/tlsnotary/tlsn

[4] https://chain.link/education/zero-knowledge-proof-zkp#preser...

[5] https://github.com/anon-aadhaar/anon-aadhaar