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web3 with FTC

Bitcoin Yield Without Custody Risk: Inside Lightning's Payment Infrastructure

Apr 7, 2026

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20 min read

Bitcoin Yield Without Custody Risk: Inside Lightning's Payment Infrastructure

Earning yield without giving up custody, fixing stablecoin fragmentation, and preparing for machines that spend money on their own.

Tedd Huff
Tedd Huff
UBS Got a Charter | Valt Got a Charter | Fintechs Are Running the ROI Model Right Now

Apr 2, 2026

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14 min read

UBS Got a Charter | Valt Got a Charter | Fintechs Are Running the ROI Model Right Now

The OCC cleared a global wealth giant and a de novo startup in 48 hours. When the institutions at both ends of the size spectrum reach the same conclusion; own the charter, don’t rent it, the economics of the sponsor model are starting to break.

Stephen Bishop
Stephen Bishop

Leaders 1:1

Payment Processing Secrets: 13 Companies Merged Into One Platform

Mar 31, 2026

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20 min read

Payment Processing Secrets: 13 Companies Merged Into One Platform

Platform Consolidation, Local Payment Schemes, Open Banking, and AI Tools for European Merchants

Tedd Huff
Tedd Huff

Inside the Vault

How TD Claimed Workday, What Branch Won, and Why the Capital Proposal Is a Two-Sided Deal

Mar 26, 2026

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12 min read

How TD Claimed Workday, What Branch Won, and Why the Capital Proposal Is a Two-Sided Deal

Deposit relationships now live inside the ERP. Payout float goes to whoever structured the deal. The third-party provisions tighten what the relief loosened. The OCC named executives, not just institutions. Consumers trust banks more; and open fintech apps more often.

Stephen Bishop
Stephen Bishop

web3 with FTC

Crypto Tax Secrets From an IRS Agent Who Audited 14 Platforms

Mar 24, 2026

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21 min read

Crypto Tax Secrets From an IRS Agent Who Audited 14 Platforms

John Doe letters gave the IRS tens of millions of taxpayer names. Most crypto holders have no idea.

Tedd Huff
Tedd Huff
More Charter Filings, Infrastructure Bundles, and Regulatory Relief for Community Banks: Concentrating Control in Embedded Finance

Mar 18, 2026

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14 min read

More Charter Filings, Infrastructure Bundles, and Regulatory Relief for Community Banks: Concentrating Control in Embedded Finance

Upstart and Zerohash File for Bank Charters, Cross River Bundles for Compliance, and the OCC Cuts Red Tape: What It Means for Sponsor Banks and BaaS Programs

Stephen Bishop
Stephen Bishop

Inside the Vault

Banking as a Service: Why Most Sponsor Bank Deals Fail Before Launch

Mar 17, 2026

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21 min read

Banking as a Service: Why Most Sponsor Bank Deals Fail Before Launch

A sponsor bank director reveals the red flags that kill fintech deals before they launch. Compliance, fee income, and the real $4.8B growth playbook.

Tedd Huff
Stephen Bishop
Tedd Huff, +1

Inside the Vault

The Shift Away From Embedded Banking Partnerships to Charters  Accelerates

Mar 12, 2026

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12 min read

The Shift Away From Embedded Banking Partnerships to Charters Accelerates

Charter grabs, Fed approvals, White House wins, and full-stack launches show tech giants taking control over traditional sponsor banking.

Stephen Bishop
Stephen Bishop

Leaders 1:1

JP Morgan Changed Open Banking and No One Is Ready for What Comes Next

Mar 10, 2026

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21 min read

JP Morgan Changed Open Banking and No One Is Ready for What Comes Next

Open Banking Fees Are Changing How Apps Access Data

Tedd Huff
Tedd Huff

Inside the Vault

Bank Charters, Continue to Multiply –  Faster than Rabbits.

Mar 4, 2026

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11 min read

Bank Charters, Continue to Multiply – Faster than Rabbits.

You get a charter! And you get a charter! And you get a charter... While traditional sponsor banks see direct competition with more charter applications and approvals

Stephen Bishop
Stephen Bishop

Leaders 1:1

The Truth About AI in Banking That Nobody Is Talking About

Mar 3, 2026

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21 min read

The Truth About AI in Banking That Nobody Is Talking About

Fraudsters Move Faster Than Banks and the Gap Keeps Growing

Tedd Huff
Tedd Huff

Inside the Vault

Speed Kills in Embedded Finance

Feb 27, 2026

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12 min read

Speed Kills in Embedded Finance

High Costs of Fast Money or Crash from Compliance Failures

Stephen Bishop
Stephen Bishop
...
Fintech Confidential

Fintech Confidential

Bringing you the people, Tech, and Companies that change how you pay and get paid with entertaining information focused on Fintech industry insights, market trends, news, and life stories from Fintech leaders, thinkers, and doers.


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