// writing
Posts tagged #finance
A mix of technical deep-dives, career reflections, and dispatches from the road.
tag: #finance
financeAug 22, 2026· 4 min
Index Funds vs. Active Management: Reading the Scorecard Honestly
The SPIVA scorecards are the most-cited evidence in the passive-versus-active debate. Here is what they actually measure, why survivorship and persistence do more work than any single year's headline, and where the argument gets genuinely interesting.
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financeAug 19, 2026· 5 min
How DeFi Lending Works: Health Factors, Rate Curves, and Liquidation Bots
On-chain lending replaces credit checks with collateral, loan officers with a utilization curve, and collections with bots. Here is what each of those swaps actually costs you.
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financeAug 15, 2026· 5 min
Position Sizing: The Trade Decision That Happens Before the Trade
Most trading education obsesses over entries and indicators. The arithmetic says how much you put on matters more than where you got in, and the math is less forgiving than it looks.
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financeAug 12, 2026· 4 min
Payment Fraud Detection and the False Decline Problem
Card fraud systems score every transaction in well under a second, but the legitimate orders they wrongly reject cost merchants far more than the fraud they catch. A look at risk scoring, 3-D Secure, and the error nobody instruments.
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financeAug 8, 2026· 5 min
KYC in the Deepfake Era: Why a Selfie Stopped Being Proof
The document-plus-selfie onboarding flow every fintech copied is quietly failing. Here is how identity verification actually works, why injection attacks broke it, and what the layered replacement looks like.
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financeAug 5, 2026· 4 min
Self-Custody in 2026: The Seed Phrase Is No Longer the Only Way
Twelve words on a piece of paper used to be the whole story of crypto self-custody. Passkeys, MPC, and smart accounts have quietly changed what that phrase actually protects.
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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.
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financeJul 29, 2026· 5 min
How to Read an Earnings Report Without Trusting the Headline
The number at the top of an earnings press release is the number the company chose to put there. Here is where the actual information lives: the reconciliation table, the cash flow statement, and the guidance.
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financeJul 25, 2026· 4 min
Dollar-Cost Averaging vs. Lump-Sum: What the Data Actually Says
Investing a windfall all at once beats easing it in about two-thirds of the time. Here is what the research actually says, and when dollar-cost averaging still makes sense.
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financeJul 22, 2026· 4 min
How Staking Actually Works: Validators, Rewards, and Slashing
A plain-English look at what happens under the hood when you stake crypto: how validators secure a proof-of-stake network, where the yield comes from, and what slashing really risks.
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