January 2025: A Very Stable Future - real world applications for stablecoins

Announcing A Very Stable Conference

Authentication for the era of bots & AI agents

September 2024: The glasses are the way: A platform shift is afoot.

June 2024: How to fix patient eligibility & registration: Healthcare needs mag stripes. Probably.

May 2024: AI eats OpEx: And the second order effects

May 2024: Stablecoins are helping create a buyer of second-to-last resort for US Treasurys: A long time ago I was a junior bond and FX trader, and a conversation I remember happening every few months during US Treasury Auctions was (paraphrasing) “Whats the China bid” Basically, was the People’s Bank of China (PBOC) going to be a buyer in this particular auction or not. In hindsight I can’t even remember if it ever mattered for any auctions I observed, but the theme I took away was that one day

April 2024: Receipts API as a Service: Note: This is something I think should exist and I’m writing about it to flesh out what the problems might be and why no one’s built it. If you’re either a) working on it or b) are deeply knowledgeable about it and know something I’m wrong about, please hit reply or leave a comment.

April 2024: Revisiting: Common Problems with Banking partners: Some problems are far more common than I originally thought

February 2024: Fintech can save the American banking system. Regulators should help: The amazing, consolidating American Banking system.

February 2024: Voice as a platform in healthcare: AI Scribes are just the first use built on audio. More will come.

January 2024: What if ACH had attachments?: The value of a high bandwidth payment network

September 2023: How to build sustainably differentiated tech enabled healthcare services businesses: For digital health startups delivering care, clinical innovation is neither necessary nor sufficient

August 2023: The Electric Vehicle charging orchestration layer: A "Plaid" style solution is needed for EV charging

June 2023: The competitors you should fear aren’t copying you: Competitors with original roadmaps are more dangerous than those who follow you.

June 2023: Subtle Differentiation (or why there are no 10x products in fintech): Some times when you can't be 10x better at one thing, you can be 2x better at 10 things.

May 2023: Emergent use cases for transparency-in-coverage data: Utilizing Transparency in coverage data for consumers and providers

March 2023: JPMorgan Chase doesn’t care about your deposits

January 2023 - Exploring the Healthcare Transparency in Coverage final rule

Bank portability for startups

Networked notebooks and engineering serendipity

Crypto Primitives

Time to Money

Children of Durbin

Underexplored tactics for driving card adoption