Posts By Reeves Birner
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473PaymentsCross-Border Payments From the US in 2026: How Stablecoins, RTP and Correspondent Banks Now Split a $1.8 Trillion Year
The last time a US small-business owner sent a $40,000 invoice payment to a Mexican supplier through their incumbent bank, the wire...
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333Fintech NewsSuper Apps in US Finance: Why the Bundled Experience Keeps Almost Working and Never Quite Wins
A US retail user in 2026 typically holds eleven separate financial relationships at once: a checking account, a brokerage, a credit card,...
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612Fintech NewsRobo-Advisors in the US in 2026: From $1 Trillion in Managed Assets to the Quiet Pivot to Hybrid Advice
A Schwab branch manager in San Diego likes to tell a story about a customer who walked in two years ago to...
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649Fintech News
Algorithmic Trading in US Markets in 2026: How the Buy Side Quietly Took the Reins From the Sell Side
For most of the 2010s, the smartest algorithmic trading code in US equities lived inside the sell-side market makers at Citadel Securities,...
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580Fintech News
Cybersecurity in US Financial Systems in 2026: How a 14 Billion Dollar Defence Spend Quietly Reshaped Bank Operations
At 3:14 a.m. on a Sunday in March, the security operations centre at a top-five US bank caught a credential stuffing attack...
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334Blockchain
Zero-Knowledge Proofs Move Into US Bank Production Stacks
In March 2025 the Office of the Comptroller of the Currency confirmed in Interpretive Letter 1183 that national banks may engage in...
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269Blockchain
Cross-Chain Bridges Move Into US Enterprise Production
In March 2024 BlackRock launched its first tokenised fund on a public blockchain, the BlackRock USD Institutional Digital Liquidity Fund, ticker BUIDL,...
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283Blockchain
Automated Market Makers Move to v4 With Hooks and Layer-2 Volume
On January 31, 2025, Uniswap shipped v4, the largest single upgrade to a decentralised exchange protocol in the history of decentralised finance....
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309Blockchain
Smart 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...
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443Payments
US 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...
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369Payments
ISO 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...
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369Payments
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...
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452Payments
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...
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394Payments
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...
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618Fintech 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...
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251Blockchain
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...
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238Blockchain
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...
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325Payments
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...
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452Payments
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...
