Why Every Software Company Is Becoming a Bank in 2026
The embedded finance wave has moved past hype. Real companies are processing real revenue through financial products that didn’t exist three years ago.
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The $400B Gap in Global Payments Infrastructure
The cost of moving money internationally has barely moved in a decade. Where the inefficiency lives, and which companies are actually closing it.
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Three Neobanks That Actually Figured Out Profitability
Most neobanks are still burning. A handful found the path to unit economics that work. What they have in common is more specific than people think.
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Buy Now Pay Later Hits a Wall — And That’s a Good Thing
Regulation forced a reckoning in the BNPL market. The companies that survive will be the ones that were building real underwriting all along.
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KYC Without the Wait: How Automation Is Cutting Onboarding From Days to Seconds
Identity verification used to take 48 hours. The companies solving this aren’t just improving UX — they’re changing the economics of financial product distribution.
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Stablecoins and the Quiet Rewiring of Cross-Border Payments
The stablecoin narrative shifted from speculative to structural. Corridors that SWIFT couldn’t serve competitively are now being served by stablecoin rails at a fraction of the cost.
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Small Business Credit: Still Broken, Still a Huge Opportunity
Banks pulled back from small business lending and never returned. The gap is $300B+ annually. Revenue-based financing and cash flow underwriting are filling it from below.
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Open Banking Is Finally Moving in the US. Here’s What Changes Next
Regulatory clarity arrived slowly, then all at once. The companies that built for an open banking future in the US are positioned to capture a multi-billion dollar market that just unlocked.
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Why Insurtech Failed Distribution (And How Embedded Insurance Fixes It)
The first wave of insurtech startups tried to win on distribution by going direct. The second wave went embedded. That shift explains who’s still growing and who collapsed.
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Beyond FICO: The Data Sources Reshaping Consumer Credit
FICO was designed in the 1980s. The data sources available today — rent, utilities, subscription payments, cash flow — tell a far more accurate story about creditworthiness.
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How Startups Finally Got Access to Real Treasury Tools
For decades, automated cash sweeps and multi-bank yield optimization were only available to Fortune 500 treasury teams. A new crop of platforms changed that calculus entirely.
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What We Look for in a Fintech Seed Round
After nine years and two dozen investments, we have strong opinions about what makes a compelling early-stage fintech company. Here’s the framework we actually use.
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