All briefings
Articles — Page 10
148 briefings on payments, fintech, and AI money infrastructure.
Sanctions Screening: OFAC, EU, and UN Lists and the Dynamic Risk Layer
Strict liability, not a compliance warning. How OFAC, EU, and UN sanctions list screening works, where the gaps appear, and how to build a defensible programme.
April 20, 2026
EU Instant Payments Regulation: The Compliance Timeline Every Operator Needs
Regulation (EU) 2024/886 makes euro PSPs offer instant credit transfers at standard prices with IBAN/name checks. The full operator compliance timeline.
April 19, 2026
Surcharging and Convenience Fees: Legal, Operational, Margin Reality
Surcharging and convenience fees: what each is, where each is permitted, how to implement within scheme rules, and whether the margin math actually works.
April 19, 2026
Tokenised Deposits vs Stablecoins: JPM Coin, Citi Token Services
JPM Coin and Citi Token Services are bank deposits on blockchain. Different regulatory treatment, bankruptcy standing, and operator access from stablecoins.
April 19, 2026
Cross-Border B2B Accounts Receivable: The Infrastructure Problem
Cross-border B2B receivables break at the infrastructure level: SWIFT delays, memo truncation, FX timing, reconciliation gaps. What modern AR needs.
April 16, 2026
Stablecoin On/Off-Ramp Operations: Where the Cost Advantage Gets Eaten
On-chain settlement is cheap. The fiat on-ramp and off-ramp are where real cost lives. Provider landscape, corridor math, and round-trip economics vs SWIFT.
April 16, 2026
First-Party Fraud: Friendly Fraud and the Largest Chargeback Category
First-party fraud now dominates dispute volume at most e-commerce merchants. Why it's growing, who commits it, and the playbook for evidence-based defence.
April 15, 2026
What an Auth Rate Point Is Worth: Authorisation Optimisation Economics
One auth rate point is a revenue number, not an engineering metric. How to calculate what it's worth, what drives declines, and which interventions move it.
April 14, 2026
Embedded Finance and Payments: What Operators Actually Need to Build
Embedded finance is a $7 trillion opportunity in the US alone by 2026. But the infrastructure requirements — BIN sponsorship, ledger architecture, KYB.
April 14, 2026
InstaPay and PESONet: The Philippines' Dual Real-Time Rail Architecture
InstaPay vs PESONet for Philippine payouts: real-time low-value vs batch high-value clearing, disbursement-API routing, and EMI vs bank-partner trade-offs.
April 14, 2026