Hard pass on their privacy policy. They have to collect lots of identifying data to do financial transactions in the US, and they don’t currently sell that data, but:

In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture or dissolution of all or a portion of our business, or

They’re a startup that just had a huge Series A in 2021. If they’re at all successful they’ll almost certainly get purchased by a mega bank that primarily wants all that sweet sweet private data that’s been getting collected but not shared all along.

Tell me you either don’t love in the US, or don’t understand what a credit score is, without telling me…

Every time you open a credit card, you get a “hard credit check”. You get one(?) freebie a year, then it starts significantly dropping your credit score. Having a larger amount of unused credit available to you will slightly increase your score, but having too many less of credit (e.g. >5) will significantly harm it.

All that said, credit scores are a scam, but do affect your ability to get a car or home loan, or rent a place to live.

FYI, this is called “split horizon” DNS, where the location you get directed is based on the network you adk from. Make sure you have short TTLs set on your DNS records, or devices can have problems moving between networks and still having records cached from the prior network

For the $5 first payment, they have a partnership with Snikket who will setup and administer a private XMPP server for you. It’s included in the price if service and is retained for as long as you maintain a server. You can use it for any XMPP thing you want, and have as many users on it as you want.