Banking Infrastructure

This morning I spoke at Qonto's Product Day 2026. The topic was embedded banking and programmable money. And for me, one of the hottest questions right now is permission. Programmable money is permission. Embedded ban…

Banks don't lose customers because they are slow. They lose customers because they force them to start over. A new country. A new account. A new onboarding. A new risk assessment. A new financial history. — The custo…

Cross-border banking is not difficult because money cannot move. Money moves every day. The real difficulty is maintaining operational continuity across systems that were never designed to work together long term. — O…

Arcadia continues to advance deployment readiness across multiple corridors and strategic markets. Current work spans infrastructure, onboarding systems, banking integrations, and distribution preparation. Execution is…

Most banking systems were designed to answer one question: “Can this user access the system?” — But international banking creates a second problem: “Can this access remain consistent across countries, compliance envi…

A user moves to another country. Nothing changed financially. The same person. The same identity. The same history. — Yet suddenly: — onboarding restarts — compliance reviews restart — limits change —…

Most cross-border banking products look global on the surface. But underneath, they remain local systems stitched together. — One country per compliance stack. One country per banking relationship. One country per r…

Most people think compliance is about verifying identities. Verify the documents. Verify the person. Verify the source of funds. Problem solved. — But identity is rarely the hardest part. People change countries. Add…

We continue to advance discussions around the banking and infrastructure layer behind Arcadia. The focus remains on building a compliant and scalable cross-border operating model across jurisdictions. More here: https:…

A user moves to another country. Nothing changed financially. Same salary. Same identity. Same person. — But suddenly: — transfer delayed — account reviewed — card restricted — onboarding restarted …