// writing
Posts tagged #banking
A mix of technical deep-dives, career reflections, and dispatches from the road.
tag: #banking
financeAug 1, 2026· 5 min
Neobanks and the Sponsor Bank Model: Who Actually Holds Your Money
Your favorite fintech app probably isn't a bank. Here's the sponsor bank plumbing underneath it, why the ledger matters more than the logo, and what the Synapse collapse exposed.
read more →
financeJul 18, 2026· 5 min
Open Banking: How Apps Actually Get Your Bank Data
The mechanics behind connecting a budgeting app to your bank account, why screen scraping is dying, and where the US open banking rules stand in 2026.
read more →
financeJun 13, 2026· 5 min
FedNow and Real-Time Payments: How Instant Settlement Actually Works
Most Americans still wait one to three days for bank transfers to clear. FedNow is the Federal Reserve's answer to that — but how does instant settlement actually work under the hood?
read more →
// the newsletter