Payments
The hard part of payments is access, not the API
A payroll rollout taught me the friction is never the integration. It is funding caps, routing permissions, and what can clear directly versus what has to detour through a sponsor bank. That is why the Fed's new payment-account RFI matters - access is becoming a design decision, not just a policy one.
Lead essay
Start here when you want the current Doric argument instead of a chronological archive.
Read the note