The Fine Print — by Specter

8 questions. An honest inventory of the diary your bank keeps.

Paste any ToS clause → plain English, with the user-hostile parts flagged.

Your transaction history is a diary: location, health, politics, habits. Here's what banks can infer — and what they do with it.

Banks freeze accounts for 'risk' without warning or appeal. What triggers it, how long it lasts, and the structural alternative.

Where transaction data actually goes: processors, aggregators, marketing partners, government requests — and how to exit the pipeline.

When a bank closes or freezes your account because of who you are or what you lawfully do.

Participating without revealing legal identity — accountability without a name.

You hold the keys. Nobody else can move — or freeze — your funds.

State-issued digital money — programmable, and therefore refusable.

Only sender and recipient can read the message — not even the platform.

Collect only what's operationally necessary. Can't leak what you never held.

Debanking, pseudonymity, self-custody, CBDCs, E2E encryption — the vocabulary of financial surveillance in plain English.