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Fintech Brainfood

Food for thought about Finance, AI and the future of money.

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Fintech Brainfood by Simon Taylor

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🧠 Not all bank charters are created equal

Full bank, industrial bank, trust bank. What each one buys, what it costs the parent, and why none of them comes with a Fed account.

Sep 6, 2026

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11 min read

🧠 2 New Bank Charters in 24 Hours

OpenReserve and Revolut are very different animals. TabaPay is buying a bank, and Félix raised $200m to build around WhatsApp.

🧠 Instinct Made the Consumer Agent Feel Real

Sep 3, 2026

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8 min read

🧠 Instinct Made the Consumer Agent Feel Real

The consumer agent just started to feel real. Most businesses are not ready.

Aug 30, 2026

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15 min read

🧠 Kalshi loses in the Ninth Circuit

Stripe and Advent walk away from PayPal. Revolut hits 80m customers, and Socure grows into its 2021 valuation.

Aug 27, 2026

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9 min read

🧠 AI Created New Customer Problems

Solving them is where the next generation of finance products are forming. Token spend, agent identity, and model routing barely existed before AI.

Simon Taylor

Aug 23, 2026

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9 min read

🧠 Stripe is buying the AI economy

The 7bn OpenRouter deal puts Stripe on both sides of the AI P&L.

Simon Taylor

Aug 20, 2026

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11 min read

🧠 Nvidia is the Fannie Mae for Compute

AI can be real, the GPUs can be full, and your 401k can still end up holding the paper.

🧠 Nvidia is the worlds largest fintech company

Aug 16, 2026

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15 min read

🧠 Nvidia is the worlds largest fintech company

Goldman, BlackRock and KKR line up $500bn to securitize GPUs. Plus Adyen wins OpenAI and Figure posts a Rule of 150.

🧠 Prediction Markets are better markets*

Aug 13, 2026

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16 min read

🧠 Prediction Markets are better markets*

*They're just worse at protecting the consumer than the sportsbooks they're competing with. And that's something we have to fix.

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