Fin-Tech

Fin-Tech explained from the inside out. The ideas, the people, and the phenomena.

CLARITY Act Passes Senate Banking Committee 15-9: What the Vote Count and the Caveats Mean for the Floor

CLARITY Act Passes Senate Banking Committee 15-9: What the Vote Count and the Caveats Mean for the Floor

The CLARITY Act passed the Senate Banking Committee 15-9 on May 14, with two Democrats voting yes. Here is what the result means for the Senate floor.

The Next Wave of Tokenization: Why Internet Domains Are a Missing Piece

The Next Wave of Tokenization: Why Internet Domains Are a Missing Piece

Tokenization has focused on familiar securities. A more interesting opportunity lies in digital asset classes like internet domains, where value exists without a market to support it.

Arc, Canton, and Tempo: The Same Privacy Principle, Two Opposite Architectures, and Nine Years of Evidence

Arc, Canton, and Tempo: The Same Privacy Principle, Two Opposite Architectures, and Nine Years of Evidence

Three institutional blockchains are raising $1 billion on privacy. Arc built it as opt-in. Canton built it as the default. Zcash spent nine years measuring which design actually works.

CLARITY Act Pension Funds 2026: The Retirement Risk Labor Unions Are Raising Before Thursday's Vote

CLARITY Act Pension Funds 2026: The Retirement Risk Labor Unions Are Raising Before Thursday's Vote

Five US labor unions opposed the CLARITY Act on May 12, warning it puts workers' retirement savings at risk. Here is the structural gap they are pointing to.

Brazil Open Finance 2026: Why 97% of Businesses Are Still Outside the World's Most Advanced Financial System

Brazil Open Finance 2026: Why 97% of Businesses Are Still Outside the World's Most Advanced Financial System

Brazil has the world's most advanced open finance system and a 97% business adoption gap. Here is what that tells you about how financial infrastructure gets built.

Clarity Act Stablecoin Yield 2026: What the ABA's Weekend Lobbying Reveals About Section 404

Clarity Act Stablecoin Yield 2026: What the ABA's Weekend Lobbying Reveals About Section 404

The Clarity Act's full stablecoin yield text is now public. The ABA mobilised every bank CEO over the weekend. Their urgency tells you more than the text.

FCA Investigates Mastercard, PayPal, and Visa: The Competition Problem Hidden Inside Your Digital Wallet

FCA Investigates Mastercard, PayPal, and Visa: The Competition Problem Hidden Inside Your Digital Wallet

The FCA is investigating Mastercard, PayPal, and Visa for suspected anti-competitive conduct over digital wallet funding.