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AR15.COM
9/13/2016 11:03:02 AM EDT
Anyone use these guys before, https://www.circle.com/en. Seems similar to PayPal but without the fees?
9/13/2016 11:11:50 AM EDT
[#1]
I like the idea...... but how do they make money?
9/13/2016 11:13:27 AM EDT
[#2]
Keep funds in an account for a couple of days and make some interest maybe
9/13/2016 11:15:04 AM EDT
[#3]
Nothing warms my heart and piques my interest like a '16er with less than 100 posts shilling for a product.  Especially a '16 shilling for a fucking product with this in the TOS

18. Prohibited Payments
Using the Services to make the following types of payments is prohibited, and Circle reserves the right to monitor for payments that relate to:

<snip>

weapons of any kind, including but not limited to firearms, ammunition, knives, or related accessories;
9/13/2016 11:16:46 AM EDT
[#4]
Quote History
Quoted:
I like the idea...... but how do they make money?
View Quote


In theory, they could make interest on it like how a bank does with your savings and checking, using that as the aggregate balance in their hands at any given time.

ETF's into and out of a bank are pretty instantaneous, but all the various services that transfer money around will "hang onto it" for a day or whatever while they "confirm" it went through or whatever. And I'd guess that delay also ups the assets on the balance sheet a few percent.
9/13/2016 11:26:11 AM EDT
[#5]
Quote History
Quoted:


In theory, they could make interest on it like how a bank does with your savings and checking, using that as the aggregate balance in their hands at any given time.

ETF's into and out of a bank are pretty instantaneous, but all the various services that transfer money around will "hang onto it" for a day or whatever while they "confirm" it went through or whatever. And I'd guess that delay also ups the assets on the balance sheet a few percent.
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Quoted:
Quoted:
I like the idea...... but how do they make money?


In theory, they could make interest on it like how a bank does with your savings and checking, using that as the aggregate balance in their hands at any given time.

ETF's into and out of a bank are pretty instantaneous, but all the various services that transfer money around will "hang onto it" for a day or whatever while they "confirm" it went through or whatever. And I'd guess that delay also ups the assets on the balance sheet a few percent.


Any time someone is offering you a service for free, you are not the consumer, you are the product.  Looks like they'll be doing targeted ads, sort of like Credit Karma does with all the card offers they rate for you...

28. Website;

Third Party Content

Circle strives to provide accurate and reliable information and content on the Circle website, but such information may not always be correct, complete, or up to date. Circle will update the information on the Circle website as necessary to provide you with the most up to date information, but you should always independently verify such information. The Circle website may also contain links to third party websites, applications, events or other materials (“Third Party Content”). Such information is provided for your convenience and links or references to Third Party Content do not constitute an endorsement by Circle of any products or services. Circle shall have no liability for any losses incurred as a result of actions taken in reliance on the information contained on the Circle website or in any Third Party Content.


Looks like they're also hoping to build a customer base, mine the big data side of it, and then sell your accounts to the highest bidder and cash out.

25. Assignment
You may not transfer or assign this Agreement or any rights or obligations hereunder, by operation of law or otherwise and any such attempted assignment shall be void. We reserve the right to freely assign this Agreement and the rights and obligations of this Agreement to any third party at any time without notice or consent. If you object to such transfer or assignment, you may stop using our Services and terminate this Agreement by and asking us to close your account.
9/13/2016 11:28:45 AM EDT
[#6]
OP, what is PayPal Circle?

"My grandfather is in the hospital fuckin' a dude!"

"My grandfather is in the hospital, fuckin' a, dude!"

Commas are important.
9/13/2016 11:44:05 AM EDT
[#7]
Quote History
Quoted:
Nothing warms my heart and piques my interest like a '16er with less than 100 posts shilling for a product.  Especially a '16 shilling for a fucking product with this in the TOS

18. Prohibited Payments
Using the Services to make the following types of payments is prohibited, and Circle reserves the right to monitor for payments that relate to:

<snip>

weapons of any kind, including but not limited to firearms, ammunition, knives, or related accessories;
View Quote

I don't think he's shilling, just naive.
9/13/2016 12:02:10 PM EDT
[#8]
Quote History
Quoted:
Nothing warms my heart and piques my interest like a '16er with less than 100 posts shilling for a product.  Especially a '16 shilling for a fucking product with this in the TOS

18. Prohibited Payments
Using the Services to make the following types of payments is prohibited, and Circle reserves the right to monitor for payments that relate to:

<snip>

weapons of any kind, including but not limited to firearms, ammunition, knives, or related accessories;
View Quote


I'm surprised he has feedback. . . maybe just naive?
9/13/2016 12:06:12 PM EDT
[#9]
Quote History
Quoted:


I'm surprised he has feedback. . . maybe just naive?
View Quote View All Quotes
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Quote History
Quoted:
Quoted:
Nothing warms my heart and piques my interest like a '16er with less than 100 posts shilling for a product.  Especially a '16 shilling for a fucking product with this in the TOS

18. Prohibited Payments
Using the Services to make the following types of payments is prohibited, and Circle reserves the right to monitor for payments that relate to:

<snip>

weapons of any kind, including but not limited to firearms, ammunition, knives, or related accessories;


I'm surprised he has feedback. . . maybe just naive?


It's been a shitty Tuesday so far and it's GD.  I'm going for worst case in everything.  

9/13/2016 12:11:58 PM EDT
[#10]
Just a simple question? Wasn't asking in part to use it with fire arms. Just wondering? Not shilling.
9/13/2016 12:14:15 PM EDT
[#11]
do you even comma, bro?
9/13/2016 12:15:57 PM EDT
[#12]
Quote History
Quoted:
Very interesting stuff guys. Didn't do to much digging but never would guess what's coming out. Guess you need to read the fine print ;)



My thread title was, "move over PayPal Circe is here". I didn't think I needed a comma in the title. Everyone else seemed to get it.  That was a poor taste in your example above.
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Quoted:
Very interesting stuff guys. Didn't do to much digging but never would guess what's coming out. Guess you need to read the fine print ;)

Quoted:
OP, what is PayPal Circle?

"My grandfather is in the hospital fuckin' a dude!"

"My grandfather is in the hospital, fuckin' a, dude!"

Commas are important.


My thread title was, "move over PayPal Circe is here". I didn't think I needed a comma in the title. Everyone else seemed to get it.  That was a poor taste in your example above.


No, your grammar just sucks.
9/13/2016 12:18:57 PM EDT
[#13]
Quote History
Quoted:
Very interesting stuff guys. Didn't do to much digging but never would guess what's coming out. Guess you need to read the fine print ;)



My thread title was, "move over PayPal Circe is here". I didn't think I needed a comma in the title. Everyone else seemed to get it.  That was a poor taste in your example above.
View Quote View All Quotes
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Quote History
Quoted:
Very interesting stuff guys. Didn't do to much digging but never would guess what's coming out. Guess you need to read the fine print ;)

Quoted:
OP, what is PayPal Circle?

"My grandfather is in the hospital fuckin' a dude!"

"My grandfather is in the hospital, fuckin' a, dude!"

Commas are important.


My thread title was, "move over PayPal Circe is here". I didn't think I needed a comma in the title. Everyone else seemed to get it.  That was a poor taste in your example above.




I tripped over it as well.  I read it several times wondering what the hell "Paypal Circle" is.  Should have been "move over PayPal, Circle is here".

But I'll live.  No therapy needed.
9/13/2016 12:21:49 PM EDT
[#14]
Quote History
Quoted:
OP, what is PayPal Circle?

"My grandfather is in the hospital fuckin' a dude!"

"My grandfather is in the hospital, fuckin' a, dude!"

Commas are important.
View Quote


my favorite variation:

"Let's eat Grandma!"

"Let's eat, Grandma!"
9/13/2016 12:22:41 PM EDT
[#15]
Quote History
Quoted:
Just a simple question? Wasn't asking in part to use it with fire arms. Just wondering? Not shilling.
View Quote


Toughen up newb.  

9/13/2016 12:33:37 PM EDT
[#16]
Quote History
Quoted:


Toughen up newb.  

http://i.imgur.com/kT4Jt21.jpg?1
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Quoted:
Quoted:
Just a simple question? Wasn't asking in part to use it with fire arms. Just wondering? Not shilling.


Toughen up newb.  

http://i.imgur.com/kT4Jt21.jpg?1




Congrats. You're pretty funny.
9/13/2016 12:42:05 PM EDT
[#17]
Quote History
Quoted:
Just a simple question? Wasn't asking in part to use it with fire arms. Just wondering? Not shilling.
View Quote


Aaaaand what forum just might you be on??
9/13/2016 12:48:28 PM EDT
[#18]
Quote History
Quoted:
Just a simple question? why is this a question? Wasn't asking in part to use it with fire arms. What the fuck are you trying to say? is your arm made of fire? Just wondering? Is that also a question? Not shilling. This is the only part of your sentence that actually may deserve a question mark.
View Quote


lol your grammar and spelling is really really bad. . . . I'm going to have to retract my previous statement and confirm you for a shill.

This in conjunction with your join date and questionable post lead me to believe you're spamming.

Shut it down mods!

9/13/2016 1:03:41 PM EDT
[#19]
Quote History
Quoted:


lol your grammar and spelling is really really bad. . . . I'm going to have to retract my previous statement and confirm you for a shill.

This in conjunction with your join date and questionable post lead me to believe you're spamming.

Shut it down mods!

View Quote View All Quotes
View All Quotes
Quote History
Quoted:
Quoted:
Just a simple question? why is this a question? Wasn't asking in part to use it with fire arms. What the fuck are you trying to say? is your arm made of fire? Just wondering? Is that also a question? Not shilling. This is the only part of your sentence that actually may deserve a question mark.


lol your grammar and spelling is really really bad. . . . I'm going to have to retract my previous statement and confirm you for a shill.

This in conjunction with your join date and questionable post lead me to believe you're spamming.

Shut it down mods!



Your post above leads me to believe you ate paint chips as a kid. What normal person starts a sentence off "lol"? To make it worse, your fat fingers were too lazy to capitalize "Your". Keep it up fatty, heard Home Depot has a paint sale. Better hurry up as it's lunch time.
PS: If we're going all GRAMMER, you're calling the kettle black. You forgot to put a comma between "REALLY (comma)  REALLY BAD". C'mon! Rookie mistake.
9/13/2016 1:04:09 PM EDT
[#20]
Stripe is best.
9/13/2016 1:09:51 PM EDT
[#21]
Quote History
Quoted:
Just a simple question? Wasn't asking in part to use it with fire arms. Just wondering? Not shilling.
View Quote


Your thread title would imply otherwise.
9/13/2016 1:13:50 PM EDT
[#22]
Quote History
Quoted:


Your thread title would imply otherwise.
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Quoted:
Quoted:
Just a simple question? Wasn't asking in part to use it with fire arms. Just wondering? Not shilling.


Your thread title would imply otherwise.


Touche. I'll own that one. Mistakes happen. Thanks everyone for the warm welcome to the GD :)
9/13/2016 1:16:52 PM EDT
[#23]
Quote History
Quoted:


Your post above leads me to believe you ate paint chips as a kid. What normal person starts a sentence off "lol"? To make it worse, your fat fingers were too lazy to capitalize "Your". Keep it up fatty, heard Home Depot has a paint sale. Better hurry up as it's lunch time.
PS: If we're going all GRAMMER, you're calling the kettle black. You forgot to put a comma between "REALLY (comma)  REALLY BAD". C'mon! Rookie mistake.
View Quote View All Quotes
View All Quotes
Quote History
Quoted:
Quoted:
Quoted:
Just a simple question? why is this a question? Wasn't asking in part to use it with fire arms. What the fuck are you trying to say? is your arm made of fire? Just wondering? Is that also a question? Not shilling. This is the only part of your sentence that actually may deserve a question mark.


lol your grammar and spelling is really really bad. . . . I'm going to have to retract my previous statement and confirm you for a shill.

This in conjunction with your join date and questionable post lead me to believe you're spamming.

Shut it down mods!



Your post above leads me to believe you ate paint chips as a kid. What normal person starts a sentence off "lol"? To make it worse, your fat fingers were too lazy to capitalize "Your". Keep it up fatty, heard Home Depot has a paint sale. Better hurry up as it's lunch time.
PS: If we're going all GRAMMER, you're calling the kettle black. You forgot to put a comma between "REALLY (comma)  REALLY BAD". C'mon! Rookie mistake.


In b4 the lock
9/13/2016 1:31:20 PM EDT
[#24]
Move over PayPal Circle jerk, this is now a grammar nazi dick swinging match. Complete with title change.
9/13/2016 1:40:08 PM EDT
[#25]
Quote History
Quoted:


Your post above leads me to believe you ate paint chips as a kid. What normal person starts a sentence off "lol"? To make it worse, your fat fingers were too lazy to capitalize "Your". Keep it up fatty, heard Home Depot has a paint sale. Better hurry up as it's lunch time.
PS: If we're going all GRAMMER, you're calling the kettle black. You forgot to put a comma between "REALLY (comma)  REALLY BAD". C'mon! Rookie mistake.
View Quote View All Quotes
View All Quotes
Quote History
Quoted:
Quoted:
Quoted:
Just a simple question? why is this a question? Wasn't asking in part to use it with fire arms. What the fuck are you trying to say? is your arm made of fire? Just wondering? Is that also a question? Not shilling. This is the only part of your sentence that actually may deserve a question mark.


lol your grammar and spelling is really really bad. . . . I'm going to have to retract my previous statement and confirm you for a shill.

This in conjunction with your join date and questionable post lead me to believe you're spamming.

Shut it down mods!



Your post above leads me to believe you ate paint chips as a kid. What normal person starts a sentence off "lol"? To make it worse, your fat fingers were too lazy to capitalize "Your". Keep it up fatty, heard Home Depot has a paint sale. Better hurry up as it's lunch time.
PS: If we're going all GRAMMER, you're calling the kettle black. You forgot to put a comma between "REALLY (comma)  REALLY BAD". C'mon! Rookie mistake.




Doubling down huh?

lol you're on AR15.com and you actually spelled it "fire arm"

I probably could have just stopped there
9/13/2016 1:42:35 PM EDT
[#26]
Quote History
Quoted:
Move over PayPal Circle jerk, this is now a grammar nazi dick swinging match. Complete with title change.
View Quote


This was never a real thread. This was a poorly crafted click bait shill thread with no substance aside from a link to a crappy money transfer service that isn't even gun friendly.

I don't know why it's still up, but lucky for the OP it'll be locked due to personal attacks instead of the obvious fact he's shilling.
9/13/2016 1:48:51 PM EDT
[#27]
Quote History
Quoted:


This was never a real thread. This was a poorly crafted click bait shill thread with no substance aside from a link to a crappy money transfer service that isn't even gun friendly.

I don't know why it's still up, but lucky for the OP it'll be locked due to personal attacks instead of the obvious fact he's shilling.
View Quote View All Quotes
View All Quotes
Quote History
Quoted:
Quoted:
Move over PayPal Circle jerk, this is now a grammar nazi dick swinging match. Complete with title change.


This was never a real thread. This was a poorly crafted click bait shill thread with no substance aside from a link to a crappy money transfer service that isn't even gun friendly.

I don't know why it's still up, but lucky for the OP it'll be locked due to personal attacks instead of the obvious fact he's shilling.


I was actually curious. Sorry about the lame title. I changed it so I would stop getting called for poor grammar. I have no association with them. I just wanted to know if someone has used them? Thus far it appears I have my answer no? I wasn't asking if someone was going to use them in association with this site. I had not previous heard of them. Instead, people would rather blast me. I am sorry I hurt your feelings.
9/13/2016 1:57:48 PM EDT
[#28]
Quote History
Quoted:


my favorite variation:

"Let's eat Grandma!"

"Let's eat, Grandma!"
View Quote View All Quotes
View All Quotes
Quote History
Quoted:
Quoted:
OP, what is PayPal Circle?

"My grandfather is in the hospital fuckin' a dude!"

"My grandfather is in the hospital, fuckin' a, dude!"

Commas are important.


my favorite variation:

"Let's eat Grandma!"

"Let's eat, Grandma!"