The Fintech Blueprint

Prime Trust literally lost the keys to client funds and is now in receivership

Is it messaging with finance, or finance with messaging?

Results from an investigation from 2021, strangely timed into a banking crisis

Bottoms-up or top-down?

Plus our podcast with A16z on investing in the sector

From ancient sharks to Apple's dominance, deciphering the future of the industry in a digitized, cyborg world

Smart is used by 70K+ employers and helped 1M+ individuals in retirement planning through their integration of payroll and investment systems

Interested in net interest

Understanding the importance of the financial and commercial networks involved

This entry will focus on cryptoeconomics and token engineering, and the key considerations when designing token-based projects and systems.

The paradox of building value and reducing your margins

Learn how to cultivate true entrepreneurial inspiration and innovation.

What is more magic — the human brain or the LLM algorithm?

A new place to connect

$100-500B in deposit outflows per quarter from commercial banks, $40B weekly inflows into MMFs.

When do the robots take over, we are ready already

Blade Runner's tears in the rain

A comparison with Google, PayPal, Ant Financial, and Ethereum staking

In George Orwell's "1984," a government that feared challenges to its authority went to great lengths to eliminate any dissenting ideas

And the differences with the B2C path

Revisiting our macroeconomic framework for the year to date

Welcome Fintech Futurists — Today we are looking at our 2022 coverage in the Long Takes, and pulling out the core themes and lessons that have shone through. It wasn’t pretty, but it was needed, and here we still are. If you enjoy these insights, don’t forget to share with others below. 👇👇👇

What is the Web3 version of the poison pill?

Can wallets be market venues or developer ecosystems?

Also is the US government about to default?

The world’s most popular messaging application is bringing in-chat payments to the world’s most populous country.

Hi Fintech Futurists — Happy New Year! This week we are combining the Short Takes and Web3 Weekly, giving you all the top news across fintech and Web3 in one place. Here’s that handy upgrade button to access the Long Takes — a rigorous view on the future of our industry. Level up your Fintech and DeFi knowledge. 👇👇👇

STEPN and Axie Infinity come to iOS

Range's master plan involves temporarily using human financial advisors to leverage their knowledge to train AI models that will eventually replace those same human advisors

Also a really great podcast about the Nigerian CBDC

AI and Web3 hype is starting up

The number of active wallets engaging with dApps has surpassed 20MM, proving there is a lot more demand for efficient smart contract analysis

7 million jobs and 4% of GDP

What's happening with all the people workers and the robot workers?

Don't miss the Revolut analysis and our conversation with Stripe

The market for companies and ideas is clearing

ZayZoon is an earned waged access (EWA) fintech, providing employees with a loan for any wages they have earned but have not yet been paid for.

First Fidelity Bank, a community bank with $2.6B in AUM, is the first customer to go live with Apex via Unifimoney

Also is Goldman about to write down $1B on GreenSky?

We are at the beginning of AI in human financial advice