For VCs & accelerators
Advisory services
Sponsor bank selection & BaaS advisory
Pick, diligence, and manage the sponsor-bank relationship that can cap your growth — and build the compliance evidence pack examiners and banks now demand after Synapse.
Explore the service → B2B PaymentsB2B payments advisory
AR/AP automation, multi-rail routing across ACH, same-day ACH, RTP and FedNow, virtual card economics, and embedded B2B payments — designed so money movement makes money instead of leaking it.
Explore the service → Fraud, AML & RiskFraud as a P&L lever & risk consulting
Loss-rate targets, approval-rate optimization, and dispute economics — fraud run as performance, not just compliance — plus AML gap assessments, KYC/KYB design, and fractional CRO coverage that still passes diligence.
Explore the service → AI & Agentic DecisioningAI & agentic decisioning advisory
Governance reviews and control frameworks for AI and agents that move money — aligned to the FSB and Bank of England direction so pilots actually reach production.
Explore the service →Field notes
The virtual card AP economics teardown
The rebate you were quoted isn't the rebate you'll earn. Rebate, interchange, and acceptance — the three numbers that decide whether virtual cards turn accounts payable into a revenue line, with the addressable-spend math laid out.
Read the teardown → Banking & Payments StackWhich payment rail for which B2B flow, in 2026
There's no best rail — only the cheapest one that meets each flow. A per-flow framework across ACH, same-day ACH, RTP, FedNow, wire, and card, on cost, speed, limits, and reversibility.
Read the field note → Payments StackProcessor vs. network path: a payments teardown
Four entities touch every card transaction and each takes a slice — here's how a senior operator maps the path, tracks where every basis point goes, and picks the processor and pricing model that hold up at scale.
Read the teardown → Fraud & RiskA payment fraud strategy guide for growth-stage fintech
The fraud mix flipped to first-party and synthetic identity, agentic commerce is breaking the chargeback model, and the fix is a layered, real-time defense that also survives sponsor-bank diligence.
Read the guide → Payments Stack & PartnershipsHow to choose a BIN sponsor in 2026
What changed after Synapse, the diligence areas examiners check, how to read a program agreement, and the questions that separate a good sponsor bank from an expensive mistake.
Read the guide → Payment Data CommercializationYour payment data is a revenue line you haven't turned on
Where the value hides in transaction data, the four monetization models, and how to do it without breaking privacy or trust — from someone who has built data businesses on the rails.
Read the guide →Have a decision you're stuck on?
If you're facing a payments, fraud, or data decision and want senior operator judgment rather than a deck, book a working call.
Book a working call