The Library

Every failed transaction is a small broken promise. The grocery store understood this better than most payment APIs do.

A plain-language explanation of payment orchestration and why it directly improves the share of transactions that succeed.

The unit economics of processing a payment, and how intelligent routing turns small per-transaction differences into real money.

The payments vocabulary I wish someone had handed me on day one, from acquirer to zero-liability.

What the European banking regulation actually changed, and why it mattered far beyond Europe.

Money systems should be boring the way bridges are boring. Notes from the product side of a payments switch.

Why trust is the real product in digital payments, and what it takes to earn it at scale.

What actually moved the needle growing a payments switch into the most-starred payments repository on GitHub, and what was theater.

SMB adoption grew tenfold mostly through deletion. Some notes on subtraction as a product strategy.

From mentoring thirty operations agents at a six-person startup to handing off a product I co-founded: notes on ownership transfer as a growth strategy.

I am not an engineer, and I now ship real tools anyway. Notes on what AI agents change about building, and what they don't.