Posts By Reeves Birner
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8BlockchainDecentralized Finance (DeFi) in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
A Manhattan crypto fund treasurer routes a $5 million USDC balance into Aave on Tuesday morning, earns blockchain-paid interest until Thursday, then...
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65Fintech NewsHow Digital Lending Platforms Works: A Guide for the US Financial Market
Tap apply on a lending app and a chain of automated checks runs before you can put the phone down: identity confirmed,...
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67PaymentsHow Buy Now Pay Later (BNPL) Systems Works: A Guide for the US Financial Market
The “pay in four” button at checkout looks simple, but pressing it sets off a small lending operation that funds a merchant,...
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56Payments
Card Networks & Payment Rails in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
In 2024, roughly $9.367 trillion in purchases moved across Visa and Mastercard cards issued in the United States, a 6.3% jump in...
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47Payments
Real-Time Payments Systems in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
A contractor paid the moment a job is signed off, an insurer settling a claim while the customer is still on the...
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48Payments
How Payment Security & Fraud Prevention Works: A Guide for the US Financial Market
In the time it takes a payment screen to show approved, a hidden system has scored the transaction against hundreds of signals,...
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68Fintech News
Digital Banking & Neobanks in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
When a rideshare driver gets paid the moment a trip ends, a teenager opens a first account without a parent driving to...
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61Payments
Payments Systems & Infrastructure in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
A gig driver cashing out mid-shift, a landlord receiving rent that cannot bounce, and a treasury team sweeping cash across forty accounts...
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70Blockchain
Crypto Trading & Markets in America: Use Cases, Benefits, Risks, and Long-Term Opportunities
From retirement accounts adding bitcoin exposure to teenagers trading tokens on their phones, crypto has woven itself into American financial life in...
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71Blockchain
How Blockchain for Payments Works: A Guide for the US Financial Market
Tap a phone to pay for coffee and the transaction feels instant, but underneath it travels a long road of banks and...
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80Blockchain
How Tokenization of Assets Works: A Guide for the US Financial Market
The moment a US asset manager mints a tokenized money market fund share on Ethereum, a chain of carefully sequenced events fires....
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132Fintech News
Financial Service Integration Models Explained: What It Means for Consumers and Businesses in the USA
A US consumer who opens a single neobank app today expects to see a checking account, a savings account, a brokerage line,...
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137Fintech News
How Disintermediation vs Reintermediation Works: A Guide for the US Financial Market
A strategy team at a US fintech sketching the next product on a whiteboard usually circles two things. What can we remove...
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134Fintech News
Disintermediation vs Reintermediation Explained: What It Means for Consumers and Businesses in the USA
A small business in Denver pays its supplier directly through a stablecoin app and skips the correspondent bank that used to handle...
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129Fintech News
How Role of Intermediaries in Digital Finance Works: A Guide for the US Financial Market
The minute a US consumer taps a contactless card, six software systems start an orchestrated conversation. The point-of-sale terminal talks to the...
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109Fintech News
Role of Intermediaries in Digital Finance Explained: What It Means for Consumers and Businesses in the USA
A US consumer paying for a coffee with a debit card touches at least six intermediaries before the dollar arrives in the...
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21Fintech News
How Financial Supply Chain Digitization Works: A Guide for the US Financial Market
Sit through one cycle of a digital invoice in a US business and the choreography becomes clear. The supplier’s accounting software generates...
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111Fintech News
Financial Supply Chain Digitization Explained: What It Means for Consumers and Businesses in the USA
An auto-parts supplier in Ohio sends an electronic invoice on Monday. By Friday the money has cleared, the buyer’s accounting software has...
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16Fintech News
How Value Network Analysis in Finance Works: A Guide for the US Financial Market
Inside a US fintech corporate development office, a junior analyst is usually the first to be asked: who actually makes money on...
