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Sub.club is here to help the fediverse make money

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Sub.club is here to help the fediverse make money

The fediverse has the potential to help create enduring and interoperable social networks. But many creators and businesses rely on bigger, closed platforms because they offer direct ways to make money from their audiences, which is hard to do in the fediverse right now.

Sub.club is trying to solve that. 

The idea is that this will let users on ActivityPub-based platforms like Mastodon easily offer paid subscriptions and premium content while taking a 6 percent cut in addition to payment processing fees. It could solve a big problem with the fediverse right now: it’s not easy to make a living on it unless you direct your followers back to existing platforms like Patreon that are closed off and require users to visit a particular site or app to get much of the content.

Bringing money into the fediverse ecosystem and having a way for creators to get paid could be an important building block, Bart Decrem, one of the founders of sub.club, tells The Verge. “So we think this work is super important for all of us that believe in the promise of the internet.”

That could be especially true if the fediverse is successful to the point where it creates what sub.club adviser Anuj Ahooja calls “one last network effect.” That would be the idea of everyone joining fediverse platforms built on an open protocol where it’s possible to interact online with the option to move from network to network and platform to platform at will. “From there, you can drive so much innovation around social media,” Ahooja says.

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While X is still culturally relevant enough that it was the first place where Joe Biden’s campaign posted the news that he was dropping out of the 2024 presidential race, many people got the news on other platforms as it splashed across Instagram, TikTok, Discord, and Whatsapp. I’m not sure everyone is going to coalesce in one place or that they even want to, and profiles you can take with you could be a part of that.

Currently, sub.club is only available for Mastodon users, and depending on how you use Mastodon, you might run into the service in different ways. On Mastodon web clients, creators can point people to a subscription page.

In clients that include a rich experience for the subscriptions — right now, that’s Mammoth, which is made by the same developer team, and Ice Cubes — creators can add a subscribe button that appears at the top of their profile that takes users to a subscription webpage.

As a creator, making the post your subscribers will see takes an extra step: you have to DM your sub.club account. Then, people who subscribe to your posts will see that post in their following feeds.

Sub.club doesn’t just want to push creators to only use its services; instead, the team envisions building “a subscribe button that integrates with other paid subscription products,” Ahooja says. That’s why it’s launching as a developer preview; “if you’re going to build something, build it in a way that’s standard and portable across multiple services,” according to Ahooja.

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It’s also created an API that can build premium bots, according to this FAQ, so you could, for example, set up a silly bot that adds animals to photos.

Sometime this fall, sub.club also plans to let Mastodon server admins use the tool to help fund maintenance instead of asking users for support through platforms like Patreon or Ko-Fi.

“There’s a lot of free labor that runs the fediverse right now,” Ahooja says. “So let’s make sure people are getting compensated.”

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Roblox: all the news about the popular social and gaming platform

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Roblox: all the news about the popular social and gaming platform

Roblox is a massive app — as of September 2023, Roblox says it has more than 65 million daily active users — and it’s becoming an increasingly interesting platform to watch amid growing competition from social and metaverse platforms like Epic Games’ Fortnite and Meta’s Horizon Worlds.

Here’s all of our coverage of Roblox.

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Tax scam alert: How to protect yourself and your tax refund

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Tax scam alert: How to protect yourself and your tax refund

Tax season is upon us, and while many of you are preparing to file your returns, it’s crucial to be aware of the ever-evolving world of tax scams. 

This year, it’s more important than ever to stay informed and on your guard. 

New research by McAfee, a cybersecurity company, has shed light on how common these scams are and what kind of scams they are, revealing some surprising trends and highlighting the importance of protecting yourself.

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Scam written on tax forms (Kurt “CyberGuy” Knutsson)

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How Americans file and pay taxes in 2025

Before diving into the scams, let’s look at how people are handling their taxes these days. The McAfee research indicates that:

  • A little more than half of Americans (53%) are e-filers, taking the online route through tax software or IRS Free File
  • Nearly a third (31%) rely on professional tax preparers
  • The vast majority (60%) handle payments and refunds electronically
  • A large portion (52%) still receive their W-2s and 1099s the old-fashioned way: in the mail
  • While others (31%) log in to payroll service portals (e.g., ADP, Workday, Paychex) to retrieve them
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Illustration of tax prep tools (Kurt “CyberGuy” Knutsson)

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The unsettling reality of tax scams

The reality is that tax scams are more prevalent than we might prefer to acknowledge. Nearly one in four individuals (23%) say they know someone or have personally fallen victim to such scams. Let’s break down who’s being affected and how.

  • Young adults (18-24): This group is, surprisingly, the most likely to fall victim to scams. They are also most likely to have their information compromised via Instagram and WhatsApp.
  • Older adults (65-74): On the other end of the spectrum, older adults are the least likely to have encountered tax scams.
  • Gender differences: Young men are significantly more likely to lose money to scams than young women.

And when people do lose money, the amounts can be substantial:

  • 81% lost over $500
  • 51% lost over $1,000
  • A sobering 5% lost over $10,000
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Scam written on a tablet surrounded by cash (Kurt “CyberGuy” Knutsson)

THE HIDDEN COSTS OF FREE APPS: YOUR PERSONAL INFORMATION 

Demands and threats: What scammers want

Scammers use a variety of tactics to trick people into giving up their money or personal information. The research shows that many people have received suspicious messages claiming to be from the IRS or a state tax authority via:

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  • Phone calls (30%)
  • Text messages (27%)
  • Facebook/Facebook Messenger (5%)
  • WhatsApp (3%)
  • Instagram/Instagram Direct Messages (2%)

These messages often include demands for:

  • Social Security numbers or tax identification numbers (40%)
  • Immediate payment of back taxes (27%)
  • Bank account numbers (18%)
  • Credit/debit card information (17%)

It’s important to note that the IRS generally doesn’t initiate contact via phone, text or social media to demand immediate payment.

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A woman preparing her taxes (Kurt “CyberGuy” Knutsson)

THE TAXING TRUTH: A STATE-BY-STATE ANALYSIS OF TAX TIME TRICKERY

Who’s being targeted by which scam?

Different age groups are targeted with different scams. Here’s the breakdown.

  • Older adults (65-74): This group is heavily targeted by payment scams, such as demands for back taxes or fake tax refund schemes.
  • Middle-aged (35-54): This group is targeted by a mix of identity theft and payment scams, like requests for Social Security numbers or demands for back tax payments.
  • Younger adults (18-24): Scammers often seek personal information from this group, like birth dates and bank account numbers.
tax scam 5

A woman working on her taxes (Kurt “CyberGuy” Knutsson)

The cost of falling for scams

Many people have received emails or texts about their “tax refund” or “tax refund e-statement” with a link. A large portion of people (39%) clicked on these links. It’s definitely alarming how many people end up falling for these scams. 

WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

Almost 40% of people who get a scam message or call actually send the scammer money. Younger adults are particularly vulnerable; more than half of 18- to 24-year-olds know someone who’s paid up. When people click those tempting links about tax refunds or e-statements, they’re playing a risky game: Almost 40% of people clicked on that email or text message, and that’s where scammers can really get you.

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A woman working on her taxes (Kurt “CyberGuy” Knutsson)

AI’s role in the future of tax scams

Looking ahead, AI is making scams even scarier. A whopping 87% of people are worried about AI’s role in creating realistic tax scams, but only 40% feel confident they could spot a deepfake from the IRS. As a result, many people (41%) are second-guessing real tax communications. In fact, more than half of people say the tax scam messages they’ve received this year are more sophisticated or realistic than last year. It’s no wonder that most people are concerned about tax fraud this season. 

“Tax scammers are getting smarter, and many are using AI to make their tricks more convincing than ever, just when people are feeling the most pressure to file quickly,” said Abhishek Karnik, head of threat research at McAfee. “While not every scam uses AI, we predict a rise in more sophisticated, social engineering-focused tax fraud tactics as access to AI tools increases, including fraudulent emails, phone calls that use AI-generated audio and fake tax prep websites, making it easy for even the savviest filers to slip up.”

How to protect yourself from tax scams

OK, so the scam landscape looks pretty grim. What can you do to stay safe? Here are some practical steps to protect yourself.

1. Be skeptical of unsolicited contact: Remember that the IRS will never contact you via phone, email, text or social media to demand immediate payment or request personal information.

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2. Avoid clicking suspicious links; use strong antivirus software: Do not click on links in emails or texts from unknown senders. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices.

3. Guard your personal information: Protect your Social Security number, bank account details and other sensitive data carefully.

4. Create strong, unique passwords: Be sure to use strong passwords on financial and tax websites. Make sure each password is unique, especially for financial accounts. Get more details about my best expert-reviewed password managers of 2025 here.

5. Enable two-factor authentication: This adds an extra layer of security to your accounts that will prevent a hacker from getting into your accounts.

6. Invest in personal data removal services: These services monitor your personal information and alert you to potential fraud. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Check out my top picks for data removal services here.

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7. Don’t respond to texts/calls from unknown sources: Whatever you do, don’t respond to texts/calls from unknown sources whatsoever.

8. Trust your gut: If something feels off, it probably is. Verify information independently by contacting the IRS or your state tax authority directly.

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Kurt’s key takeaways

Tax season doesn’t have to be a stressful time filled with worry. By staying informed, being on your guard and taking simple steps to protect yourself, you can confidently navigate the tax landscape and avoid falling victim to these scams. Be skeptical, be careful and always remember that when it comes to your taxes, it’s always better to be safe than sorry.

Have you or someone you know been targeted by a tax scam? Let us know by writing us at Cyberguy.com/Contact.

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For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

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Our first look at Apple’s sky blue MacBook Air

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Our first look at Apple’s sky blue MacBook Air

Aside from a new color, the M4 MacBook Air looks a whole lot like last year’s model. And we’ve got the hands-on experience and pictures to prove it.

Apple’s got five main updates for its refresh of the 13- and 15-inch MacBook Airs for 2025. First, it’s got a similar M4 chip to the base 14-inch MacBook Pro, though here it starts with a 10-core CPU and 8-core GPU. Also inherited from the MacBook Pros, the Airs now use the 12-megapixel Center Stage webcam that’s wider and can track you within the frame. And you can now (finally) use two external monitors and keep the lid open, essentially giving you a fancy triple-monitor setup with the lowly MacBook Air.

As for that new color option, sky blue, it replaces space gray. Starlight, silver, and midnight are still around from last year (and midnight is unchanged, so expect some fingerprint smudginess). The new blue is a very pale metallic finish. You could mistake it for a silver if you didn’t see them side-by-side. I think the best way I could describe it is 2003 Toyota Matrix blue. In other words, it’s nice but not blue enough. Apple should call it non-committal blue.

But the fifth thing that’s new for the MacBook Air, and likely the one many of us will care most about, is that it starts at a lower price. The 13-inch model starts at $999 while the 15-inch starts at $1,199. This is actually a return to form for the 13-inch, which used to start at that price before an increase during the M2 generation. The M4 Air may be an otherwise subtle chip-bump of an upgrade with a new bland-ish metallic finish, but $100 off makes all the difference.

In addition to our hands-on with the MacBook Air we also got our first look at the new Mac Studio duo, one with the M4 Max chip and one with a new, all-out M3 Ultra. The Studios don’t look any different, but the changes inside are pretty major for hardcore pros doing some heavy-duty creative work or local AI stuff.

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Apple’s new Macs and iPads are due out next week and already up for order. Check out our smattering of photos.

Mac Studio M4 Max / M3 Ultra

Photography by Antonio G. Di Benedetto / The Verge

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