Expertise. INSIGHTS. Transformation.

Open USD brings a broad industry alliance to stablecoin payments. J Michael Bradly examines whether shared economics can overcome the challenges of governance, interoperability and execution.

Merchant of Record is a commercial role, not a card-network processing designation. Mike explains when MoR-as-a-service becomes payment facilitation, and why the label never removes sponsorship, compliance, or liability.

PayPal nearly collapsed in 2000 — not because of bad technology, but because it trusted pure automation to fight intelligent adversaries. Twenty-six years later, FinTech operators are repeating the same mistake with LLMs. Here's what the Igor system still teaches us about AI, accountability, and the architecture that actually holds up.