Fintech Ruminations

Fintech Ruminations

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A neobank stack
Over the last few years I’ve spent a lot of time building lending and banking stacks.
Network effects in finance
Network effects is, with no doubt, the biggest force behind outlandish successes in the tech space. The goal of this post is to dig deeper into the role…
The legal Operative System of DeFi: Tau Finance
A common pattern of innovation in technology is to carve out a piece of infrastructure present in a big number of companies, specialise on it…
2032: Financial Tales from planet Earth
For the last post of 2021, I decided to write something different.
Stablecoins 2.0
The world of crypto has been promising tantalizing innovations in the financial space for almost a decade now.
The future of credit underwriting
The process of underwriting a consumer or a small business has always been fascinating for me.
Circle S-1 and the future of money
Stablecoins are having a moment in fintech. Dozens of startups have raised funding to rethink the space, and nearly every major fintech company is…
Fintech applications for AI Agents
Note: Over the past five months, I haven’t published any posts because I became a dad and was on paternity leave.
Against the hype: the story of PIX
2021 has been the year in which crypto has come to dominate narratives in the fintech industry: sky-rocketing asset prices, rampant startup valuations…
Credit for a new business paradigm: Revenue Based Financing
Alternative lenders are generally considered a low interest rate phenomenon: when interest rates are low, money is cheap, so alternative lenders can…
Staking 101
The first part of this year the crypto space has been characterized by a sudden and - in many cases - unexpected, bull market.
RWA#2 - Real World Oracles
A blockchain is a fully deterministic system meaning that, given the history of the system, it can be replayed in another machine achieving the same…
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