Fintech

Let's learn how Ramp grew from corporate cards to $1B revenue

Growing over 100% YoY from $50M to hundreds of millions in revenue, Ramp has become one of fintech’s fastest-growing players. Sacra estimates Ramp hit $1B in annualized revenue in August 2025, up 110% YoY, driven by its multiproduct strategy and strong attach rates—from cards to bill pay, procurement, travel, and treasury. This expansion has fueled Ramp’s move upmarket into the enterprise.

Application and Platform Disposition Framework for Banks

Rewiring The Money Stack

Money is arguably the most complex mass-adopted product in existence. Everyone uses it, yet very few understand the machinery behind it. The balance shown on a bank statement, or in apps like Venmo, Revolut, or a stablecoin wallet, is not a tangible certainty but a system of checks and balances designed to ensure that value is usually — though not always — available when requested.

Exploring How Payment Orchestration Is Transforming with IXOPAY

Stablecoins Timeline

Stablecoin issuers employ one of two primary business models: (1) outright issuance and creation of stablecoins and (2) “white label” stablecoins.

How will digital wallet interaction happen in the agentic AI flow?

Dynamic currency conversion (DCC) is a financial service used in international transactions, when a customer from one country makes a credit or debit card purchase in another. DCC allows the transaction to be processed at the point of sale in the currency of the cardholder’s home country. The global credit card payments market is forecast to jump from $524.9 billion in 2022 to $1.2 trillion by 2032, and cross-border payments are an important piece of that growth.

After wading through the hype and the hand-wringing, here’s my read: Circle and Stripe are building complementary pieces of a new financial stack. Circle wants to be the money layer—the network where stablecoins and tokenized dollars settle at scale. Stripe is gunning for the commerce layer—the rail where those digital dollars actually move between merchants, creators, and consumers.

Can Digital Identification Enable Seamless, Secure and Borderless Digital Services and Payments?

Let's learn Adyen’s approach to augmented unit test generation with LLMs. This is one of the interesting use cases in the payments industry.

The Rise of Alternative Payment Methods (APMs)

Inside Arc: Circle’s Purpose-Built L1 Architecture for Stablecoin Finance

What’s the Difference in Token Formats—and Why It Matters for Your Payment Strategy by IXOPAY

Did you check the latest edition of Merchant Payments Ecosystem Magazine Summer Edition 2025?

I was fortunate to be featured alongside many brilliant voices shaping the future of payments. In my contribution, I shared why not all friction in payments is bad—sometimes it builds trust, strengthens security, and helps users make more informed choices.

📖 Worth a read if you want to see where the industry conversation is headed.

You can find the URL to the full edition in the comments.

Finance Is Going Autonomous and I am Excited About It

The Buyer/Supplier Transaction Flow covers the journey from first supplier contact to payment reconciliation.

Excited to be on the list