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Kevin Piao
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Join date: Apr 17, 2019
Posts (6)
Mar 17, 2026 ∙ 31 min
X Money's Visa Debit Card: Six Things the Financial Press Got Wrong
X Money's black metal Visa card isn't a payments product.
It's a financial architecture — BaaS, MTL licenses,
Durbin Amendment math, and a Direct Deposit play that
incumbent banks can't easily stop.
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Mar 17, 2026 ∙ 9 min
Kraken Just Plugged Into the Federal Reserve. The Correspondent Banking Lobby Is Not Having a Good Week.
Kraken Financial became the first digital asset bank to receive a Federal Reserve Master Account. Here's what a "Skinny Account" actually is, why Fedwire's $0.039 fee exposes a 900x banking spread, and what this means for crypto infrastructure.
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Feb 18, 2026 ∙ 3 min
Virtual Cards & Regulatory Arbitrage: A 35-Year Veteran on How Settlement Tools Became 'Jailbreak' Infrastructure
I. The Origin: A Technical Fix That Outgrew Its Blueprint
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