Notes on fintech, compliance and building across borders.
Notes from the inside: regulation, payments and what it really takes to build technology with financial context across multiple jurisdictions.
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24 JUL 2026
Five providers touch a single transaction: designing product without controlling the chain
Product & infrastructureThe five layers a transaction crosses when you do not control the chain, and three design rules that keep the user with someone to talk to.
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17 JUL 2026
The real problem with international transfers is not speed — it’s recovery
Payments infrastructureThe quality of a payments product is defined by its worst transaction, not its median. A protocol for the first 24 hours of a failed transfer.
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03 JUL 2026
Why open banking matters more than it seems
Open BankingWhat sharing bank data through APIs really means, who benefits, and why adoption moves slower than the technology.
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26 JUN 2026
The future of digital payments: security, regulation and trust
Digital paymentsFrom cards to instant rails: why security and regulation — not new features — are the real bottleneck.
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19 JUN 2026
Building a company across jurisdictions: lessons from Barcelona to Dubai
International expansionWhat really changes when you operate in more than one jurisdiction — entities, corporate banking, compliance — and the corporate governance discipline it demands.
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12 JUN 2026
KYC and AML explained: why a fintech startup should take them seriously from day one
Regulation · KYC/AMLWhat these controls actually require, the most common early-stage mistakes, and why they are a trust advantage, not just a formality.
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05 JUN 2026
Compliance and transparency: the foundation of cross-border fintech
Compliance · FintechWhy compliance is not an obstacle to building international financial products, but the infrastructure that makes them possible.
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