与「Nov20」相关的搜索结果

昨天尝试在 codex 里用 xAPI 的短信能力注册 OpenAI 账号，没想到真的成功了，成本 $0.06。今天补录了视频 @xapi_to xAPI 用起来很简单，让你的 agent 安装 skill： npx skills add xapi-labs/xapi-cli 注册prompt: /xapi 使用 codex 内置浏览器注册一个 OpenAI 账号，注册短信用英国手机号接。

THE BNPL VISIBILITY GAP ────────────────── Open four "0% interest" plans across four different apps and none of those four lenders can see the other three. Unlike a credit card, most BNPL installments still don't hit a credit bureau by default - the debt exists, but no single ledger sees the full stack. ────────────────── Aug 13: Klarna rolls out a European membership tier with rewards - the free "pay in 4" app is repositioning itself as something closer to a credit card Nov 20: France starts requiring a full credit check (the same file used for loan defaults) before approving any 0%-interest "4x" plan - regulators writing in the underwriting step BNPL apps never had ────────────────── "0% interest" was never the same promise as "0% risk." It was the one form of consumer debt built to clear the one question a credit card is legally required to ask you first.

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