Posts By Reeves Birner
-
286BlockchainSmart Contract Security Auditing Becomes a US Specialist Profession
Every time a decentralised lending protocol takes a deposit, a 700-page document sitting in its repository is the only thing standing between...
-
415PaymentsUS FinTech Payments Tech in 2026: $1.4T in Stripe Volume, $86.2T in ACH
In March 2025 Stripe published its 2024 update reporting $1.4 trillion in total payment volume for 2024, up 38 per cent year...
-
345PaymentsISO 20022 in the US: How July 2025 Cutover Reshaped Fedwire
The Federal Reserve completed the Fedwire Funds Service migration to ISO 20022 on July 14, 2025, four months later than the original...
-
335Payments
US Digital Wallet Infrastructure: 13.7B Visa Tokens and the Plumbing Behind the Tap
In 2024 Visa reported issuing 13.7 billion network tokens cumulatively since launching its tokenisation service in 2014, with roughly 50 per cent...
-
419Payments
US Peer-to-Peer Payments in 2026: Zelle Crosses $1T, the Fight Moves Beyond Speed
In February 2025 Zelle announced that its network had moved more than $1 trillion in payments during 2024, the first peer-to-peer platform...
-
365Payments
US Payment Service Providers: How Stripe at $1.4T and the Rejected $30B Settlement Reshaped 2024
In March 2025 Stripe disclosed $1.4 trillion in 2024 total payment volume, up 38 per cent year on year, in its annual...
-
592Fintech News
US Wealth Management Technology in 2026: SEC Withdraws Predictive-Analytics Rule, AI Co-Pilots Move Into Production
In July 2023 the Securities and Exchange Commission proposed rules under both the Securities Exchange Act and the Investment Advisers Act aimed...
-
235Blockchain
Zero-knowledge proofs in US finance: how privacy math is quietly rewiring compliance
Picture a US bank trying to prove to a regulator that it has flagged every transaction above the $10,000 reporting threshold, without...
-
224Blockchain
Cross-chain bridges in US finance: how value moves between blockchains, and where the risk hides
For a US asset manager that holds tokenised treasuries on Ethereum and trades perpetual swaps on a Solana DEX, moving value between...
-
302Payments
ISO 20022 in US payments: what richer message data actually unlocks for banks and fintechs
The vast majority of US dollar wires that crossed correspondent banking rails in early 2023 carried payment instructions in a forty-year-old SWIFT...
-
412Payments
Digital wallet infrastructure in the US: what sits behind Apple Pay, Google Wallet and the next layer of fintechs
Most consumers experience the digital wallet as a single tap at a coffee counter. Behind that tap sits one of the more...
-
375Fintech News
Peer-to-peer lending in the US: what is left of the original model, and what replaced it
When Prosper booked its first loan in 2006, the idea was almost utopian: ordinary US savers would fund ordinary US borrowers and...
-
396Fintech News
Wealth management technology in the US: the quiet rewiring of the advisor stack
A US financial advisor in 2018 typically built a client meeting around three or four open tabs: a custodial portal, a financial-planning...
-
243Blockchain
Automated market makers in US finance: how a constant-product equation became a $1T trading rail
In November 2018, a 25-year-old former Siemens engineer published a 250-line smart contract on Ethereum that let anyone swap one token for...
-
301Fintech News
Equity crowdfunding in the US: ten years after the JOBS Act, what the data finally shows
When President Obama signed the JOBS Act in April 2012, the most-debated provision was Title III, which would eventually let ordinary US...
-
275Fintech News
AI in US portfolio management: where machine learning has earned its seat, and where it has not
Two Sigma started training neural networks on equity-returns data when most US asset managers were still arguing about whether Bayesian regressions were...
-
314Blockchain
Smart contract security auditing in US finance: how the audit industry grew up alongside the exploit losses
The first commercial smart contract audit in 2016 was a few engineers reading Solidity code by hand and emailing a PDF to...
-
256Fintech News
How Kubernetes for Financial Systems Stopped Being a Controversial Choice in US Banks
The first time a senior US bank technologist proposed running customer facing services on Kubernetes, the response from the audit team was...
-
444Fintech News
How the US FinTech Ecosystem Is Reshaping Itself in 2026: Rails, AI Underwriting and Embedded Finance
If you had asked someone working in U.S. financial services five years ago to describe the country’s fintech ecosystem, the answer would...
