By 2030, payments will be driven by intelligent, on‑premise Small Language Models (SLMs) embedded in transaction flows, with regulators pushing for auditable, deterministic AI and a hybrid architecture that pairs edge LLMs for user interactions with core SLMs for fraud, onboarding, and operations.
Parlor demonstrates real-time, on-device AI on Apple M3 Pro using Gemma 4 E2B and Kokoro TTS with end-to-end latency ~2.5–3.0s and ~2.6 GB model size, highlighting low server reliance and open-source licensing.
Open-source real-time guitar-to-MIDI harmony engine in Rust with sub-10ms latency and counterpoint rules.
Open-source, browser-based collaborative Python IDE for education with real-time editing, drawings, and voice chat, backed by a Django/PostgreSQL stack and released as v1.0.0 (48 stars).
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