Posts By Reeves Birner
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245Fintech NewsNatural Language Processing in US Finance: How Filings, Earnings Calls and Customer Complaints Got Read by Machines
For most of the 2010s, the most expensive way to read a 10-K filing at a major US asset manager was to...
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295Blockchain
Decentralized Finance in the US in 2026: Where the Liquidity Is, Where the Regulators Are and What Survived
In April 2021, the total value locked in decentralized finance protocols sat at roughly $80 billion, and the most-quoted yield on any...
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274Blockchain
Blockchain Scalability in the US in 2026: How Rollups Quietly Did the Job Sharding Was Supposed To
In 2020, a single Uniswap swap on Ethereum could cost a US retail user more than forty dollars in gas at peak...
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387Fintech News
Digital Banking and Neobanks in the US: The Quiet Customer Migration That Reshaped Retail Banking
A Wells Fargo branch on a Tuesday afternoon in suburban Phoenix used to handle roughly eighty walk-in customers a day. Today the...
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417Payments
Cross-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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280Fintech News
Super 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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538Fintech News
Robo-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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569Fintech 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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523Fintech 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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268Blockchain
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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230Blockchain
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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225Blockchain
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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258Blockchain
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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390Payments
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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318Payments
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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302Payments
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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385Payments
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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339Payments
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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563Fintech 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...
