The Curious Engineer

All blogs / Crypto / fintech

Bits about Money

bitsaboutmoney.com

Biweekly newsletter about intersection of tech and finance. Deep dives into the plumbing that moves money and the businesses that build those pipes.

Crypto / fintechSociety / politics / economyTech news / industry

’21’22’23’24’25’26
Posts
63 from 22 Oct 2021 to 1 May 2026
Posting
now and then (5 in the last year)
Kind
personal blog
Feed
https://www.bitsaboutmoney.com/archive/rss/

2026 3

  1. Notes on a non-profit indicted for bank fraud
  2. Fraud Investigation is Believing Your Lying Eyes
  3. One Regulation E, Two Very Different Regimes

2025 7

  1. The gift card accountability sink
  2. Perpetual futures, explained
  3. A window into modern loan origination
  4. Open Banking and payments competition
  5. Two Americas, one bank branch, and $50,000 cash
  6. A very Chicago gamble
  7. Bits about Money yearly recap and plans

2024 9

  1. Debanking (and Debunking?)
  2. Fiction and Finance
  3. Why the CrowdStrike bug hit banks hard
  4. Working title (insurance)
  5. Guys what is wrong with ACATS
  6. The business of wallets
  7. Anatomy of a credit card rewards program
  8. Financial systems take a holiday
  9. The business of check cashing

2023 16

  1. Payroll providers, Power, Respect
  2. The Long Shadow of Checks
  3. The Bond villain compliance strategy
  4. Seeing like a Bank
  5. A review of Number Go Up, on crypto shenanigans
  6. Credit card debt collection
  7. Requiem for a bank loan
  8. Deposit franchises as natural hedges
  9. Deposit insurance maximization as a service
  10. Banking in very uncertain times
  11. Improving how credit cards work under the covers
  12. Money laundering and AML compliance
  13. BAM's Early Adopter discount ends soon
  14. KYC and AML: beyond the acronyms
  15. BAM is now reader-supported
  16. The infrastructure behind ATMs

2022 19

  1. Credit cards as a legacy system
  2. Demystifying financial leverage
  3. Markets in power
  4. Siting bank branches
  5. The optimal amount of fraud is non-zero
  6. The branch banking model
  7. Deposit insurance under the coverage
  8. The alchemy of deposits
  9. Stablecoin mechanisms and use cases
  10. Reconciliation: A game designed to frustrate the player
  11. Plastic (and payments) in the fantasy supply chain
  12. Charitable donations and the infrastructure supporting them
  13. Accounting for SaaS and swords
  14. Hybrid offline/online transactions
  15. Moving money internationally
  16. Changing how Main Street businesses bank
  17. Finality does not exist in payments
  18. Mortgages are a manufactured product
  19. BNPLs: Businesses Needing Provided Legibility

2021 9

  1. The secondary market in gift cards
  2. More than you want to know about gift cards
  3. The fraud supply chain
  4. Bank transfers as a payment method
  5. Payments in Japan
  6. Debit cards as financial infrastructure
  7. How credit cards make money
  8. Financial innovations brought by technology
  9. Community Banking and Fintech