Posts By Reeves Birner
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372Fintech NewsAPIs in US financial services: 13 billion daily calls, the FDX consolidation, and what slows adoption
Industry estimates place daily API call volume across US financial-services platforms in the tens of billions. That number is a rough estimate...
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350Fintech NewsAmerica’s Place in the Global FinTech Landscape, Honestly Mapped
If you read every regional FinTech report published in 2025, you end up with the impression that every market is the leader...
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308BlockchainDeFi in America 2026: Where the Quiet Reset Has Left Real Use Cases Standing
Most Americans who heard of DeFi during the 2020 yield-farming wave have not heard about it since. The category did not disappear,...
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330Blockchain
Tokenization of Assets in America 2026: From Pilot to Plumbing in Capital Markets
For most of 2022 and 2023, the phrase “real-world asset tokenization” sat in U.S. financial conversation alongside flying cars and quantum trading:...
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318Blockchain
Blockchain for Payments in America 2026: Where the Rails Are Quietly Real
Most U.S. consumers have not knowingly used a blockchain payment, but a fast-growing share of U.S. businesses have. The boundary between “crypto...
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308Blockchain
Stablecoin Mechanisms in America 2026: Why the Reserve Model Won and What Comes Next
Three years ago the question about U.S. stablecoins was whether they would survive at all. Two large failures (TerraUSD and a brief...
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712Payments
Digital Banking and Neobanks in the U.S. 2026: Where the Profitable Players Now Sit
Five years ago, the question about U.S. neobanks was whether they could ever achieve profitability without the deposit base of a traditional...
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356Payments
BNPL Systems in the U.S. 2026: Where the Category Stopped Being a Gold Rush and Started Being a Business
For most of 2021 and 2022, the U.S. buy-now-pay-later category was a venture-funded gold rush. Affirm, Klarna, Afterpay (now part of Block),...
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434Payments
Open Banking Infrastructure in the U.S. 2026: How CFPB 1033 Is Reshaping the Plumbing
Open a brand-new fintech budgeting app in May 2026, paste your bank, click connect, and you almost never get the username-and-password screen...
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357Payments
Digital Wallet Infrastructure in the U.S. 2026: What the Tap-to-Pay Boom Looks Like Underneath
Walk into a cafe in midtown Manhattan in May 2026, watch the line for ten minutes, and you will see roughly two...
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380Payments
Contactless Payments in the U.S. 2026: Why a Slow Country Finally Caught Up
Stand at the checkout of a Whole Foods in any U.S. city in May 2026, and you will see roughly four out...
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638Payments
Peer-to-Peer Payments in the U.S. 2026: Where the Volume, Profit, and Fraud Are Now
Split a dinner check at any U.S. restaurant in May 2026 and the workflow takes about thirty seconds, with no awkwardness about...
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148Payments
Payment Service Providers in the U.S. 2026: How the PSP Stack Got So Crowded
Open the payments documentation of any new U.S. e-commerce store launched in May 2026, and the integration choice list runs a page...
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122Payments
Merchant Services in the U.S. 2026: Why the Old Acquirer Stack Is Finally Cracking
Walk into any independent restaurant in any U.S. city in May 2026, and the payment terminal on the counter is more often...
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144Fintech News
AI for Financial Decision Making Now Touches Most Major US Bank Workflows
Picture a credit underwriter at a US regional bank in 2026 pulling up a borrower file. Before the file even loads, an...
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124Payments
Cross-Border Payments in the US Hit 1.8 Trillion in Annual Volume as Stablecoins Steal Bank Share
A US treasurer trying to send a payroll batch from New York to Singapore in 2026 has more options than at any...
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271Blockchain
Smart Contracts in America Move Past Hype as Institutional Volume Crosses 850 Billion
On a Tuesday morning in March 2026, a US Treasury operations desk processed a 50 million dollar money-market fund subscription that settled...
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350Fintech News
Big Data Analytics in Finance Has Quietly Become a 75 Billion US Spending Category
On a Sunday evening in early 2026, a quant team at a US Tier 1 bank kicks off the weekly recalibration of...
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399Fintech News
Sentiment Analysis for Markets Has Become a Routine Input at US Quant Funds and Big Banks
On the morning of a CPI release in February 2026, three US hedge funds with no public connection between them placed nearly...
