Posts By Reeves Birner
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257BlockchainWeb3 Financial Applications in America in 2026: Where Wallet-Native Finance Has Actually Found Users
Five years ago, “Web3 financial applications” was a label that mostly described decentralized exchanges, lending protocols and a handful of early NFT...
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264Blockchain
DAO Governance Models in America in 2026: How On-Chain Voting Has Actually Performed
DAO governance was one of the most-hyped ideas of the 2021 crypto cycle, and one of the most criticised after the 2022...
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480Fintech News
Credit decision engines: how US lenders are rebuilding the underwriting stack
A US personal-loan fintech rebuilt its entire underwriting stack in under 18 months, replacing a rules-and-score decisioning system with a machine-learning model...
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391Payments
Payments systems and infrastructure: the US rails every fintech has to think about
The US has more payment rails in production use than any comparable economy in the world, four widely used systems for domestic...
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226Blockchain
Blockchain fundamentals: what US financial institutions actually need to understand
A US regional bank’s chief technology officer recently described blockchain education inside her organisation this way: “Most of my senior team can...
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426Fintech News
Machine learning in finance: where US firms are actually getting value
A mid-sized US lender replaced a 20-year-old rules-based fraud system with a machine-learning model last year and cut its false-positive rate by...
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283Payments
ACH systems in the US: the rails underneath almost every fintech product
On a typical Wednesday afternoon, more money moves through the US Automated Clearing House network in a few hours than most state-level...
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374Fintech News
The economics of fintech: how the US industry makes money now
A venture investor who led a Series A in a US consumer fintech in 2019 recently described the deal as a product...
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232Payments
Payment apps in Connecticut: what’s driving adoption in a state with a banking pedigree
In a Hartford coffee shop, the barista rings up a customer through a Square terminal and the customer pays with Apple Pay...
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254Blockchain
Blockchain development labs: who’s building the next wave of US financial infrastructure
One of the largest US asset managers maintains an internal team whose only job is to write production code against public blockchains,...
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296Fintech News
Metaverse and financial services: what US banks actually built after the hype wore off
A major US bank opened a virtual branch inside a gaming platform in 2022, held a press event for it, and quietly...
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309Fintech News
Platform economics in US fintech: why the unit-economics conversation has changed
A US neobank with over 10 million users spent most of 2023 explaining to investors that scale without net interest margin is...
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293Fintech News
Anti-money laundering in US fintech: the compliance category that is rewriting itself
A mid-sized US neobank paid a nine-figure fine in 2024 for a compliance program that, by its own admission, never caught up...
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55Fintech News
Financial Data Visualization in the U.S.: Why Chart Selection Is a Substantive Decision
Financial data visualization sounds like a tooling decision and behaves like a communication discipline. The choice of charts, the design of dashboards,...
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46Fintech News
Quantitative Methods in U.S. FinTech: Where Two Traditions Productively Overlap
Quantitative methods in U.S. FinTech sit in an awkward zone between the trading-floor quant tradition that produced the modern derivatives industry and...
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320Fintech News
Sentiment analysis for markets: how US traders and fintechs turn text into signal
At 4:02 a.m. one morning in March, a single Federal Reserve official’s speech moved equity futures by almost a full percent before...
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48Fintech News
Time Series Forecasting in U.S. Finance: Classical Methods, Modern ML, Probabilistic Outputs
Time series forecasting in U.S. finance is one of the older quantitative disciplines, with classical statistical methods dating back decades and modern...
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47Fintech News
Reinforcement Learning for Trading in U.S. Markets: Where It Belongs and Where It Does Not
Reinforcement learning for trading is a topic that attracts more pitch decks than production deployments. The technique has clear theoretical appeal: an...
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268Fintech News
The US market for secure coding practices: vendors, use cases and where investment is going
A bug in a payroll vendor’s code last year shut down part of the federal supply chain for a week. The fix...
