The Missing Authorization Layer in Agent Payments
Every agent payment protocol solved 'who paid' and nobody solved 'who said they could.' Working on dispute evidence across three protocols is how I found the gap.
Overdraft Is an Engineering Problem
Transaction reordering, batch settlement, and funds availability timing combine to create a fee extraction machine. The system isn't broken. It was built this way.
fintechKYC Isn't One Check — It's Five
One API call hides five separate compliance obligations, each with its own failure mode.
ai & mlTabular Foundation Models Are Coming for Your Risk Team
NVIDIA's Kumo Tabular compresses months of model-building into one forward pass. The catch is that regulators still want to see the math.
analysisThe Card Networks Are Going Back to Co-ops
The two largest card networks chose to co-own their stablecoin instead of controlling it outright.
opinionWhat AFSP v0.1 Won't Let Your Agent Do
The first agent-to-bank protocol requires three minutes of cryptographic handshaking to open a savings account.
opinionTokenization Won't Save the Underclass (Unless)
Three structural barriers stand between tokenized finance and the people who actually need it.
opinionFinancial Inclusivity Is a Myth
The systems fintech operates around are designed to benefit those with money. The math of lending to the underserved doesn't work without predatory terms.
opinionAI vs. AI in Financial Crime
Generative AI is producing synthetic identities faster than compliance teams can review them. Agentic AI is the defense. Who has the structural advantage?
analysisInstitutional Memory as Infrastructure
When a compliance analyst leaves, every investigation they ever ran starts over from scratch.
analysisThe Agentic Compliance Stack
Eight companies raised $210 million for agentic compliance, and they are building four different things.