// writing
Posts tagged #finance
A mix of technical deep-dives, career reflections, and dispatches from the road.
tag: #finance

financeSep 30, 2026· 5 min
Buy Now, Pay Later: Who Actually Pays for Interest-Free
Pay-in-four loans cost the shopper nothing when things go right, so someone else is paying. Here's how the BNPL money flows, why merchants eat the cost, and what changes as these loans start hitting credit reports.
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financeSep 26, 2026· 4 min
Ethereum Staking Explained: What Validators Actually Earn and Risk
Staking gets pitched as a savings account for crypto. Here's how Ethereum validators really earn rewards, why the yield keeps shrinking, and what slashing, queues, and liquid staking tokens add to the risk.
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financeSep 23, 2026· 5 min
Technical vs. Fundamental Analysis: Two Questions, Not Two Teams
Fundamental analysis asks what a business is worth. Technical analysis asks what the price is doing. Here's how each one works, what the research says, and why the rivalry is mostly a category error.
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financeSep 19, 2026· 4 min
The Robo-Advisor Fee Is the Smallest Number That Matters
Robo-advisors advertise a single advisory fee, usually a quarter of a percent. That number is real, and it is nowhere near the full cost. Here is what the machine is actually doing with your money, and where the rest of the bill hides.
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financeSep 16, 2026· 5 min
What DAO Vote Counts Say About Decentralized Governance
DAOs promise governance without a boardroom. The actual turnout numbers, delegate concentration, and a few expensive attacks tell a more complicated story about how these organizations really run.
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financeSep 12, 2026· 4 min
On-Chain Analytics: Transparent Data, Inferred Conclusions
Blockchains publish every transaction, which makes on-chain data feel like proof. Most of the charts built on top of it are inferences, and a few of the…
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financeSep 9, 2026· 4 min
Embedded Finance: What It Actually Takes to Put a Bank Inside Your App
Scheduling apps issue debit cards now, and invoicing tools offer loans. Here is the three-layer stack underneath embedded finance, where the money actually…
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financeSep 6, 2026· 4 min
Sector Rotation: A Good Map and a Bad Clock
Sector rotation charts promise a map of the business cycle laid over the stock market. The taxonomy and the economic logic hold up well.
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financeSep 2, 2026· 4 min
Dividend Yield Is a Ratio, Not a Promise
A high dividend yield can mean a company is generating serious cash, or it can mean the share price is falling faster than the payout.
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financeAug 29, 2026· 4 min
What's Actually in Your Phone When You Tap to Pay
Your card number isn't in your phone. Here's what a digital wallet actually stores, why a stolen token is useless on its own, and why merchants care about…
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// the newsletter