The Curious Engineer

All blogs / Crypto / fintech

Zac Townsend

blog.zactownsend.com

Who has no faults? To err and yet be able to correct is best of all.

Crypto / fintechSociety / politics / economy

’15’20’25
Posts
30 from 16 Apr 2014 to 29 Oct 2025
Posting
now and then
Kind
personal blog
Feed
https://blog.zactownsend.com/posts.atom

2025 4

  1. Now and Meanwhile: Two Worlds of Finance
  2. Why Agentic AI Needs a Credit Infrastructure, Not Just a Payments Layer
  3. Process vs data: who wins in the vertical AI race
  4. Know Your Enemy: How Three Years at McKinsey Shaped My Second Startup

2024 4

  1. Idiot to insider: the basics of building a life insurer
  2. The 100-Year Startup: Life insurance and abundance
  3. Winning the AI application layer will require vertical business models
  4. Empathy on entrance price: Bridge.xyz and Astranis

2018 2

  1. Digital Only: The Challengers Taking on Big Banking in the UK
  2. Fintech in the US is stymied by old-fashioned regulators

2016 5

  1. Let's Get Organized and Fix Housing Affordability in San Francisco
  2. Building a Fair and Functioning San Francisco Together
  3. Broken Promises: The Housing Market in San Francisco (And Ten Ideas to Fix It)
  4. Does the California Fair Pay Act Go Far Enough?
  5. California Should Take Its Business to Community Banks

2015 8

  1. Analyzing Some (Miscited) Entrepreneurship Research
  2. Standard Treasury Joins Silicon Valley Bank
  3. What Business Is Square In Exactly?
  4. Standard Treasury's Series A Pitch Deck
  5. My Brief Time Fighting Human Trafficking
  6. Why I am Switching To Posthaven
  7. Standard Treasury as a Startup Bank
  8. Standard Treasury as Bank

2014 7

  1. My Mental Health Story: Depression, Plagiarism, and Analysis
  2. Losing 58 Lbs For Science
  3. Building the Next Generation of Financial Infrastructure
  4. Mental Health, Trauma, and Startup Founders
  5. Founders and Mental Health
  6. APIs, App Stores, and the Era of Mass Customization in Banking
  7. Startup Banking's Looming Leviathan