DashDirect Virtual Visa/MC Proposal Updates

vazaki3

Active Member
Jul 1, 2019
683
355
133
34
apogee.dynu.net
Dash Address
XnpT2YQaYpyh7F9twM6EtDMn1TCDCEEgNX

and


and


and probably others.
Thanks! I will investigate all of them, and try to connect to crowdnode and Dashdirect by using them.
 

craymarshallg

Member
Masternode Owner/Operator
Sep 5, 2021
76
156
73
www.dashdirect.org
We have multiple options for login 2FA, including email OTP, SMS OTP, JWT, etc. It will be up to DCG which authentication and 2FA they want to implement with the Ionia integration into the Dash Mobile Wallet.

I'm going to get on my soapbox for a moment. I'm intimately familiar with the KYC laws and how KYC is done. We do KYC in many of our products and I've built a very robust KYC platform at Ionia. We do not use this for DashDirect and we do not perform any KYC whatsoever for DashDirect.

Please note that while you are calling it "KYC", gathering a phone number and sending a code to it is not KYC. In fact, collecting all of your personal data wouldn't even be KYC. I think the crypto community largely misunderstands what KYC actually is. I'll take a moment to explain what KYC is and why gathering a phone number is not KYC.

KYC is verifying the identity of the user. Gathering all of the identifying information, then verifying it against other sources to confirm that the user is who they said they are...that is KYC. We don't do any KYC in DashDirect. Whether we collect an email address and/or phone number, we do not verify identity of users. It is impossible to perform KYC with email and phone number alone, even if we wanted to.

KYC is comprised of 2 steps and an escalation path for uncertain results:

Collecting information of the person
  • Full Legal Name AND
  • Date of birth AND
  • Residential address (no P.O. Box*) AND
  • Phone Number AND
  • SSN** (if U.S. Person), Passport Number (if Foreign Person)

Verifying information of the person
  • Submit all of the person's information to verification sources/vendors
  • Act on the KYC result, including escalation for Identity Document Verification (using selfies and Government ID based identity verification), if the result is not conclusive.

Gathering a phone number is very obviously not KYC. I think what you are meaning is that you don't want to provide any PII, possibly because of the fear that another party, such as a governmental agency, could try to figure out who made specific transactions based on correlating the purchases and the phone number.

That is probably possible in an edge case, though difficult and unlikely and would require our cooperation and the cooperation of the cellular carrier.

Use a non-fixed VOIP and that's impossible. Simple solution. Many of our users in DashDirect use Non-fixed VOIP numbers. We automatically block any user with Non-Fixed VOIP in CrayPay, because it is impossible to use that as part of a KYC submission successfully. We allow non-fixed VOIP numbers in DashDirect as well as anonymous and disposable email addresses. These tools exist and are heavily used by privacy advocates such as myself.

Just as an aside, you have to go to great lengths to prevent your mobile number being available to anyone. You almost certainly have 1 or more apps on your phone that have gathered your phone number. I suspect they are not all run by privacy advocates and they almost certainly don't go to the lengths we do to anonymize user records. Just FYI.

OK /rant. Thanks for listening or perhaps just skipping to the end. ;)
 

GrandMasterDash

Grizzled Member
Masternode Owner/Operator
Jul 12, 2015
3,383
1,435
1,183
Yes, I do appreciate your working knowledge and explanation. You gave a technical definition and I agree, though I think the term "soft KYC" is more meaningful. Just because someone is not collecting the information and verifying it, they could be putting in a place an unnecessary process (or rarely used process) that creates a log outside of their system. How many services require both an email address and a phone number, yet never actually use the phone number? - quite a few.

And I agree, today we must go to great lengths to protect PII. Once upon a time it was never like this and the depths of big data is unlimited. Personally, I don't install random apps and I never use any of the big services directly, including google. I am thankful for GrapheneOS and other open source software that helps to protect privacy. Or should I say, protect consent.
 
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craymarshallg

Member
Masternode Owner/Operator
Sep 5, 2021
76
156
73
www.dashdirect.org
2022 has been a turbulent year for crypto. Banks are understandably on high alert and treading carefully as they enter into new arrangements with companies connected to crypto.

As you know, Ionia has secured relationships with Visa and card issuance providers for our Ionia Rewards suite of prepaid cards, which we are excited to get into the hands of our users. We have been made aware in the aftermath of the FTX and BlockFi bankruptcies, which have come on the heels of other significant challenges this year, that the card issuing banks are taking a more cautious approach to crypto-related program approvals. This means the bank approval process will be more in-depth and is expected to take longer than originally anticipated.

We are awaiting further instruction from the issuing bank partners, but wanted to let you know as soon as possible that the expected launch of crypto-associated card programs now realistically looks to be sometime in Q2 2023.

With that said, we are shifting our efforts to launch the Visa Rewards Global card as the initial card program, as the bank approval process is expected to be faster for that specific program. We do not yet have a timeline for this program, but we do expect to hear back from the bank within a few weeks with regard to our bank approval submissions. As a reminder, here is a brief overview of each of the 3 card programs from Ionia: https://ionia.docsend.com/view/kvuftnzfatn8jtdb. The Visa Rewards Global will be our first focus, but we will continue to work to launch the Visa Rewards Plus program for DashDirect as well.

We have done initial testing with some success on the Visa Rewards Global program, and we are excited that the cards are working not only in the US, but also in other regions. We will test in several more regions here shortly and report back a summary analysis of the results reported to us by community members in various regions.

We will continue to share new information with you as we receive additional details and status updates on the Visa Rewards Global program as well as the other card programs.
 
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craymarshallg

Member
Masternode Owner/Operator
Sep 5, 2021
76
156
73
www.dashdirect.org
2022 has been a turbulent year for crypto. Banks are understandably on high alert and treading carefully as they enter into new arrangements with companies connected to crypto.

As you know, Ionia has secured relationships with Visa and card issuance providers for our Ionia Rewards suite of prepaid cards, which we are excited to get into the hands of our users. We have been made aware in the aftermath of the FTX and BlockFi bankruptcies, which have come on the heels of other significant challenges this year, that the card issuing banks are taking a more cautious approach to crypto-related program approvals. This means the bank approval process will be more in-depth and is expected to take longer than originally anticipated.

We are awaiting further instruction from the issuing bank partners, but wanted to let you know as soon as possible that the expected launch of crypto-associated card programs now realistically looks to be sometime in Q2 2023.

With that said, we are shifting our efforts to launch the Visa Rewards Global card as the initial card program, as the bank approval process is expected to be faster for that specific program. We do not yet have a timeline for this program, but we do expect to hear back from the bank within a few weeks with regard to our bank approval submissions. As a reminder, here is a brief overview of each of the 3 card programs from Ionia: https://ionia.docsend.com/view/kvuftnzfatn8jtdb. The Visa Rewards Global will be our first focus, but we will continue to work to launch the Visa Rewards Plus program for DashDirect as well.

We have done initial testing with some success on the Visa Rewards Global program, and we are excited that the cards are working not only in the US, but also in other regions. We will test in several more regions here shortly and report back a summary analysis of the results reported to us by community members in various regions.

We will continue to share new information with you as we receive additional details and status updates on the Visa Rewards Global program as well as the other card programs.
This dependence on Visa is killing us. Is this on course for a repeat of 2018's WaveCrest scandal?


Given that we are contracted with Visa for our card programs, it is very unlikely that Visa cut ties with us. They are actually compensating us to use their network. We have a 3 year agreement, and just need the banks to approve the programs, which I do believe will happen, but will take longer given the additional due diligence and caution on their part.
 
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craymarshallg

Member
Masternode Owner/Operator
Sep 5, 2021
76
156
73
www.dashdirect.org
Would you please share an updated link for the apk download?

I was unable to access anything at the link shared last May (https://www.dash.org/forum/threads/dashdirect-virtual-visa-mc-proposal-updates.52044/post-230955).

Thanks! And hope you're well.
Here is where I shared a link with multiple versions:

 
Aug 27, 2016
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102
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Here is where I shared a link with multiple versions:

Thanks for your response and that more-updated link. However, I'm still not able to download the apk. Might I be doing something wrong that you can identify? I tried the link on three different browsers and each displayed the text shown in this screenshot:
Screen Shot 2023-01-09 at 1.38.53 PM.png
 

craymarshallg

Member
Masternode Owner/Operator
Sep 5, 2021
76
156
73
www.dashdirect.org
Thanks for your response and that more-updated link. However, I'm still not able to download the apk. Might I be doing something wrong that you can identify? I tried the link on three different browsers and each displayed the text shown in this screenshot:
View attachment 11579
It looks like you are clicking on a CodeMagic link. What I reposted was intended to be the Docsend link: https://ionia.docsend.com/view/s/r8m5h36anawfj94b

CodeMagic only stores builds for 90 days, but the Docsend link is set to not expire.
 
Aug 27, 2016
62
102
73
42
It looks like you are clicking on a CodeMagic link. What I reposted was intended to be the Docsend link: https://ionia.docsend.com/view/s/r8m5h36anawfj94b

CodeMagic only stores builds for 90 days, but the Docsend link is set to not expire.
I appreciate your continued follow-up but I'm still having trouble.

When I click the link you shared (https://ionia.docsend.com/view/s/r8m5h36anawfj94b) it loads the
DashDirect APK Download Library. I next click the "Production Version" folder (https://ionia.docsend.com/view/s/r8m5h36anawfj94b#) then select the "DashDirect 1.1.0-941" folder, and that's when it displays the CodeMagic link. I've also tried the "Beta Versions" folder and get the same result.