Posts By Reeves Birner
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214BlockchainZero-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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206Blockchain
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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271Payments
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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375Payments
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...
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352Fintech 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...
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360Fintech 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...
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223Blockchain
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...
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279Fintech 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...
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245Fintech 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...
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283Blockchain
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...
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234Fintech 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...
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409Fintech 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...
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232Blockchain
How Consensus Mechanisms in America Are Maturing: Proof-of-Stake, Restaking and the Regulatory Bar Ahead
Consensus mechanisms used to be a topic that lived in computer science papers and crypto Twitter threads. In 2026 they have become...
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286Blockchain
Crypto Trading and Markets in America in 2026: ETFs, Custody and the New US Order Flow
A useful way to think about U.S. crypto trading in 2026 is that it has stopped being a market built around enthusiasts...
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460Payments
Payment Security and Fraud Prevention in the US in 2026: AI Risk Scoring, Passkeys and the Push-Fraud Problem
U.S. payment fraud in 2026 looks different than it did three years ago, and the underlying defense stack has changed even more....
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326Blockchain
Layer 2 Scaling in America in 2026: How Optimistic and ZK Rollups Are Carrying US Onchain Activity
If you talked to a U.S. blockchain engineer in 2022, the dominant complaint was gas fees. If you talk to the same...
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309Blockchain
Real-World Asset Tokenization in America in 2026: $18B Live and the Issuers, Categories and Rules Driving It
Real-world asset tokenization has spent five years being described as the next big thing in U.S. finance. In 2026 it is finally...
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383Payments
Contactless Payments in the US in 2026: How Tap-to-Pay Finally Won and What That Unlocks Next
Contactless payments took longer to win in the United States than almost anyone in the industry expected when the first contactless Visa...
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620Fintech News
Personal Finance Apps in the US in 2026: How Budgeting, Saving and Credit-Building Tools Are Actually Used
U.S. personal finance apps are in a strange position in 2026. The category lost its most recognizable brand when Intuit shut down...
