Practical thinking on fintech, commerce, and AI.
Lessons from building production software in regulated, high-traffic, and fast-moving products.
ACH, wires, RTP, and FedNow: what each payment rail means for your product
The four US rails differ in timing, finality, and failure modes, and those differences show up directly in your ledger, your UX, and your fraud controls.
Compliance by design: building OFAC screening, 314(a), and audit trails into the product
Compliance work that lives in spreadsheets and inboxes doesn't scale. Here's how we design screening, investigations, and audit trails as part of the product itself.
Why your shopping app feels slow, and where to look first
Speed in commerce apps is rarely one big problem. It's a stack of small ones across APIs, payloads, and screens. Here's the order we tackle them in.
Replacing paper in the warehouse: lessons from digitizing fulfillment
Moving fulfillment from clipboards to an app is less about scanning barcodes and more about modeling roles, states, and handoffs. What we learned building one end-to-end.
Where AI actually pays off in fintech and e-commerce (and where it doesn't yet)
The best AI projects remove hours from a known workflow. The worst try to automate judgment that regulators and customers expect a human to own.
Shipping an LLM feature to production: an engineering checklist
Getting a prototype to work takes a day. Getting it to work reliably, affordably, and safely for real users takes engineering. This is the checklist we use.