With 20+ years in banking, finance, and Fintech, I've done a little bit of everything. Some of the things I saw made me get a little Ranty, hence this newsletter.
Feb 23, 2026
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11 min read
What if the SaaSpocalypse was just the beginning?
Feb 22, 2026
20 min read
Nearly all money moves as structured text files. AI agents communicate in markdown. Think about that for a second.
Feb 17, 2026
10 min read
There’s something almost polite about how some AI labs are warning us. They’re doing podcasts and writing blog posts. It is the most civilized fire alarm in history
Feb 15, 2026
22 min read
If it works, he’s building the primary financial institution for the next generation. Plus Robinhood's prediction markets on fire & BlackRock is going full degen.
Feb 9, 2026
9 min read
The models didn't get smarter this week. They got out.
Feb 8, 2026
19 min read
Plus; PayPal's CEO is pushed out & why the most profitable regional bank in the US chose to sell.
Feb 4, 2026
3 min read
Miami proved it. Now we're back. 19th and 20th November 2026.
Feb 3, 2026
8 min read
OpenClaw, Moltbook, and the birth of AI that actually does things.
Feb 1, 2026
24 min read
ACP, UCP, A2P, AXTP, x402. If your eyes just glazed over, you’re not alone.
Jan 28, 2026
How treating AI like plutonium became the best enterprise strategy in tech
Jan 25, 2026
The stock market thinks AI kills SaaS. Here's what I think they're missing. Plus; Capital One Acquires Brex for $5.15bn
Jan 21, 2026
7 min read
AI isn't a bubble, but OpenAI's balance sheet sure is looking like one.
Jan 18, 2026
15 min read
Plus; BVNK powers stablecoin payouts for Visa Direct & the Crypto Market Structure Bill is delayed
Jan 15, 2026
And it can do your whole job now
Jan 11, 2026
Plus; Trump Caps Credit Cards at 10%, Stablecoin app Kontingo is hacked, and JP Morgan takes the Apple Card business from Goldman
Jan 4, 2026
23 min read
Plus; JP Morgan explores letting clients trade crypto, while also freezing the accounts of Blindpay and Kontigo
Dec 21, 2025
6 min read
The year of Agentic Commerce, Stablecoins and Prediction Markets did not disrupt the banks, but they changed everything else.
Dec 7, 2025
5 min read
Banks multiply money. Stablecoins move it. We need both.
Nov 30, 2025
Plus; Why Klarna's stablecoin is anything BUT bandwagon jumping & Robinhood is doubling down on prediction markets for everything.
Nov 23, 2025
It's cheaper to cover a hole in the wall with a flat screen TV than fill it. Stuff is cheap, services are expensive. AI is about to fix that.
Nov 16, 2025
21 min read
Also: JPM Coin on Base, and Coinbase walked from BVNK
Nov 9, 2025
26 min read
Co-branded stablecoin cards sound like a fever dream, but there's a compelling business case.
Nov 2, 2025
Plus, Nubank is distributing ChatGPT and stablecoin-linked cards are growing rapidly
Oct 26, 2025
25 min read
Stablecoin-linked cards bringing the ultra-wealthy playbook to the mass market. Plus; Govenor Waller on Fed "Payments Accounts" and why Claude Skills matter.
Oct 19, 2025
Love them or hate them. They're growing in importance. Here's how we get it right. Plus; Erebor's charter, an accidental $300 trillion and Visa's Trusted Agent Protocol
