u/willjacko1

These are the class action settlements I have received this year. What would you rate it?

CashApp paid me $336 a physical check was mailed to my door. They violated consumer protection laws by ignoring fraud complaints. received based on your transaction history.

The ATM Surcharge settlement paid me $1,800. This was the biggest check I'd gotten up to this point.

BCBS paid me $87

Facebook paid me $32 the first time, then $6.50 the second time, now they're doing a third round

I've received a total of 4 settlements till June. I'm hoping for couple of more by the end of the year.

I've ran both openclaw and hermes agent for a while now, and they solve the same problem from opposite ends, so here's the honest breakdown if you're stuck picking one.

both are open-source server agents that hook into telegram, slack, discord and the rest, read your files, run scripts, browse the web, schedule jobs. openclaw bets on the community catalog, so if you want a task done someone's probably already packaged a skill for it, whereas hermes bets on a learning loop, so when it solves something new it records the fix and grows its own skill library based on how you actually use it (self learning)

hermes has the curator which runs in the background by default, watches the agent work, writes new skills, tracks which ones get used, and refactors the weak ones without asking you, while openclaw's skill workshop is supervisor-first, so it proposes skills but halts and waits for you to approve each one, and auto-proposal ships turned off.

server costs are basically identical, both run comfortably under $20/month on a kvm2-ish vps with budget models, and both get ~90% prompt caching discounts so per-turn tokens are a wash the compounding savings are the only place hermes actually pulls ahead.

security is a cocerning part , since these things touch your accounts and execute code. openclaw had a brutal early 2026, 130+ CVEs between february and early april including a high-severity RCE that exposed 40,000+ gateways before it got patched, and a claw hub audit turned up over 1,000 malicious third-party skills, whereas hermes ran much quieter with a dozen CVEs across the year and an april audit flagging 4 critical and 9 high that are all patched now, mostly because there's no third-party marketplace to attack. both sandbox, hermes offers 5 backends and openclaw runs non-main sessions in docker by default.

Hermes, if you want a set-it-up-in-minutes assistant that quietly gets cheaper at your routine stuff, Third option go for a folk if you want no setup agent that is already hosted on Cloud & runs on iMessage & telegram & no risk of security.