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GoCardless Bank Account Data Alternatives: What to Use When Signups Are Disabled

If you've been building on GoCardless Bank Account Data (formerly Nordigen's free tier), you may have noticed something concerning: new signups are disabled. The official page at bankaccountdata.gocardless.com/new-signups-disabled now blocks all new integrations. Existing users can continue, but if you're starting a new project or evaluating options, you need alternatives — today. What happened GoCardless acquired Nordigen in 2023 and integrated its free bank-data API as "Bank Account Data." The free tier was hugely popular with indie developers, hobbyist projects, and small fintech tools — it offered EU PSD2 coverage without the upfront cost of enterprise providers. Now that door is closing for new users. This mirrors a broader pattern: free open banking tiers are disappearing across the industry. Plaid tightened its free tier, Tink went enterprise-only under Visa, and now Nordigen's free legacy is being sunset for new signups. The question isn't just "what's the alternative" — it's "what alternative doesn't lock me into the same cycle?" The alternatives compared Provider eIDAS cert required? Pricing model EU coverage Best for open-banking.io ❌ No Free tier + paid plans EU (PSD2) Devs who want no certificate hassle Tink (Visa) ✅ Yes Enterprise pricing EU + global Large-scale production Plaid ✅ Yes (EU) Pay-per-call Global US-first teams needing EU too Yapily ✅ Yes Custom pricing EU Enterprise integrations Enable Banking ✅ Yes Custom pricing EU Budget-conscious teams The key differentiator isn't coverage or pricing — it's the certificate requirement . Most providers require you to hold an eIDAS QWAC/QSeal certificate to call their APIs directly. Why certificate-free matters more than you think An eIDAS qualified certificate costs €2,000–10,000 per year , depending on the issuer and type. You need to renew every 1–2 years, maintain audit trails, and handle the operational overhead of certificate rotation. For an indie developer or small SMB tool, the certificate cost

2026-07-24 原文 →
AI 资讯

The AWS Cleanup We Keep Putting Off (I Let an Agent Do It)

It started with a billing alert. Estimated charges had crossed $250. Not scary money, but enough to make me look. And what actually caught my attention wasn't the number, it was the alert itself. I'd clearly set this up at some point, and the threshold felt stale. So I went looking for where the alert lived. It came from a BillingAlerts CloudFormation stack I created back in 2014 and completely forgot about. So a thing I forgot about was warning me about all the other things I'd forgotten about. I opened my stack list and that's when I saw it wasn't alone. It was sitting in a lineup of stacks, and I didn't recognise half of them. Years of leftovers, just sitting there. The stuff you forget about doesn't break anything. It doesn't page you at 2am. It just sits there, quietly billing, until you glance at the invoice and can't remember what half of it is for. Forgotten, still-running resources are one of the biggest sources of wasted cloud spend, by some estimates around a quarter of the average cloud budget . I came to update one alert and I found a mess. To be clear, these stacks weren't really costing me much. Stopped instances, a few half-deleted leftovers. If they'd been the $252, the alert would've tripped every month. But that's the point. You can't tell what's actually costing you until the clutter is gone. So the alert could wait. I wanted these stale stacks gone first. Normally this is a chore. Open the console, find each stack, click delete, wait, refresh, check if it worked, OR write out CLI commands. It's not hard, just tedious. The kind of task I keep putting off. And that's exactly how this started. ClickOps through the console. I'd just finished deleting an old Directory Service directory over in the Mumbai region by hand, clicking through the screens and waiting out the spinner, when it hit me. Barely ten minutes of manual clicking, and I still had a pile of stacks to go. I didn't have to do any of this myself. Why was I still clicking? I opened Kiro ,

2026-07-23 原文 →
AI 资讯

eBPF for Networking (XDP)

Ethereal Bytecode for the Network: Unlocking XDP's Magic! Hey there, fellow tech enthusiasts! Ever felt like the traditional networking stack in your Linux kernel was a bit… sluggish? Like it was taking the scenic route when you needed it to be a supersonic jet? Well, let me introduce you to a superhero that swoops in and turbocharges your network packet processing: eBPF, specifically in the context of XDP (eXpress Data Path). Forget the days of wrestling with complex kernel modules or praying for better hardware offload. eBPF and XDP offer a revolutionary, in-kernel, safe, and incredibly efficient way to program packet processing at the very edge of your network interface. Think of it as giving your network card a tiny, super-smart brain, capable of making lightning-fast decisions before the packet even bothers the main kernel stack. Pretty cool, right? So, buckle up as we dive deep into the wonderful world of XDP and eBPF, demystifying its power and showing you why it's becoming the darling of modern networking. 1. The "What's the Big Deal?" Section: Introduction to XDP & eBPF Imagine a bustling highway (your network). Traditional networking is like having every car stop at a toll booth, get inspected, and then directed by a central traffic controller. This works, but it can get congested. XDP, on the other hand, is like having intelligent on-ramps where some cars can be instantly identified, rerouted, or even rejected before they even hit the main highway. eBPF (extended Berkeley Packet Filter) is the technology that makes this possible. It's a powerful, sandboxed virtual machine that runs within the Linux kernel. Unlike traditional kernel modules, which can potentially crash your entire system if written incorrectly, eBPF programs are rigorously verified by the kernel for safety and correctness before they are allowed to execute. This means you get the power of kernel-level access without the existential dread of a kernel panic. XDP (eXpress Data Path) leverages

2026-07-23 原文 →
AI 资讯

Teaching Kiro to Paint: A Stateful Image-Editing Skill Built on Gemini's Interactions API and MCP

TL;DR: nb2lite-skill-kiro wraps Google's gemini-3.1-flash-lite-image model (NB2Lite) in a tiny FastMCP server and packages it as a Kiro skill. You type "generate an image of a cyberpunk kitchen" into Kiro, and it just... does it. Then you say "add a neon RAMEN sign" and it edits the same image without re-prompting the whole scene. Oh, and the cover image of this article? Generated by the thing the article is about — dogfooding all the way down. More on that at the end. Background: why another image tool? Most image-generation workflows are stateless . You send a prompt, you get pixels back, and the model immediately forgets everything. Want to tweak the result? You re-describe the entire scene and pray the character, lighting, and composition survive the round trip. (Narrator: they don't.) Google's NB2Lite — the friendly nickname for gemini-3.1-flash-lite-image — takes a different approach. It's a high-efficiency image model with sub-2-second generations, solid text rendering in 25+ languages, and — the headline feature — support for the stateful Interactions API , which lets you iterate on an image across multiple turns while the model keeps the visual context server-side. This repo glues that capability into Kiro , so your coding agent can generate and iteratively refine images as a natural part of a session. It ships as two things in one repo: A Model Context Protocol (MCP) server ( nb2lite-agent , a single-file FastMCP app in server.py ) exposing exactly four tools. A Kiro skill ( nb2lite-image ) that teaches Kiro when and how to use those tools well. The Interactions API: images with a memory The Interactions API is Gemini's stateful endpoint. The core loop looks like this: You call client.interactions.create(...) with a prompt and store=True . The response includes an interaction_id — a handle to the turn's visual context, persisted on Google's servers. On the next call, you pass previous_interaction_id , and the model edits the existing canvas — preserving ch

2026-07-23 原文 →
AI 资讯

What We Learned Building a Location-Aware Contact Management App

What We Learned Building a Location-Aware Contact Management App Most contact apps are built like digital phonebooks. They store a name, phone number, email, maybe a company name, and then leave the user to remember everything else. That works when someone has 50 people saved. It starts breaking when someone has hundreds or thousands of professional connections from events, client meetings, referrals, business cards, conferences, online communities, and local networking groups. The hard part is not storing people. The hard part is helping users find the right person at the right time. While building a location-aware contact management app, we learned that contact data becomes far more useful when it is connected to context: where someone is, how the user met them, what they discussed, what industry they belong to, and why the relationship matters. Here are some product, UX, and privacy lessons we learned along the way. 1. A contact list is not the same as a usable network A normal contact list answers one basic question: “Do I have this person’s number?” But professionals usually need better questions answered: Who do I know in this city? Who did I meet at that event? Which industry contacts are nearby? Who should I follow up with before visiting this area? Who was that consultant I met last month? Which contacts are important but easy to forget? This is where the product problem becomes interesting. A user may technically have the contact, but still fail to use the relationship because the contact is buried inside a long list. So the first learning was simple: Saving contact details is not enough. The app needs to help users retrieve useful relationships when the context matters. That changed how we thought about the product. We were not just designing a place to store people. We were designing a system to make saved professional relationships easier to act on. 2. Location context changes the experience Most contact managers are list-first. You search by name, comp

2026-07-22 原文 →
AI 资讯

LongCat-Video-Avatar 1.5 cuts inference to 8 steps — here's

Meituan's LongCat team shipped a quiet but meaningful update to its open-source talking-avatar stack: version 1.5 swaps the audio encoder, distills sampling down to 8 steps, and adds an INT8 path to fit the model on tighter GPUs. Here's what actually changed under the hood, and which flags you now have to pass. LongCat-Video-Avatar 1.5: DMD2 distillation, Wav2Vec2 replacement, and INT8 offloading LongCat-Video-Avatar 1.5 is an audio-driven talking-avatar generator that turns one portrait plus an audio clip into a lip-synced video with head motion, expression, and body dynamics. Released May 21, 2026, it is an avatar head built on the 13.6-billion-parameter dense LongCat-Video diffusion transformer [base model, Oct 2025]. The headline change: v1.5 replaces the Wav2Vec2 audio encoder used in v1.0 (Dec 16, 2025) with Whisper-Large-v3, which the team attributes to smoother, more natural lip dynamics. Three new flags define the v1.5 workflow, none of which exist in v1.0: Flag What it does Notes --use_distill Enables DMD2-based step distillation, collapsing generation to 8 NFE Mandatory for v1.5 — omitting it falls back to the full-chain v1.0 sampling schedule, not an 8-step path --use_int8 Loads the 13.6B dense DiT in INT8 to cut VRAM pressure Main lever for consumer GPUs --resolution Selects 480P or 720P output New in 1.5 Under the hood, the technique report describes Cross-Chunk Latent Stitching, which removes redundant VAE decode/encode cycles between autoregressive chunks, enabling seamless minutes-long generation without re-encoding overhead [arXiv:2605.26486]. That matters for long-form output where earlier tools drift or stutter at chunk boundaries. One caveat worth flagging before you invest a GPU-hour: Meituan claims parity-or-better results versus HeyGen, Kling Avatar 2.0, and OmniHuman-1.5 across 508 image-audio pairs, 770 crowdsourced evaluators, and 13,240 judgments [human-eval benchmark]. That evaluation is entirely author-controlled and reported as win-rat

2026-07-22 原文 →
AI 资讯

DeviceShelf for iOS is out of TestFlight and on the App Store

I'm the developer of DeviceShelf, a local-first network scanner for desktop, mobile and a headless server edition. Until this week the iOS app only existed on TestFlight. Apple has now approved version 1.3.0, so for the first time you can get it straight from the App Store: DeviceShelf on the App Store . What the app does on a phone The iOS app is not a companion viewer. It runs the same scanning engine as the desktop version: it scans the network you're on, identifies devices (vendor, type, OS fingerprint), shows open ports per device, builds a security report, and raises presence alerts when devices appear or drop off. You can export and share results from the phone. The multicast entitlement iOS restricts multicast traffic for ordinary apps, and SSDP/UPnP discovery depends on it. Apple grants the multicast entitlement on request, and DeviceShelf's App Store build has it. In practice, UPnP/SSDP devices show up in scans on the phone the same way they do on desktop. Licensing The download is free and comes with a trial. Full features unlock in one of two ways: activate a DeviceShelf license, which covers desktop, mobile and the server edition with a single purchase, or use the in-app purchase upgrade on iOS. Pricing is on the website if you want the details. Local-first, on mobile too Scans stay on the device. There is no cloud account, and the AI-assisted device identification is bring-your-own-key; no key is bundled or required. The app is still young, and a phone is an unforgiving place for a network scanner. If it mislabels a device on your network or misses one entirely, I'd genuinely like to hear about it. Website: deviceshelf.app

2026-07-21 原文 →