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primer
Samir Desai
Samir Desai
Jul 28, 2025

Pay them what you owe them

Pay them what you owe them
Samir Desai
Samir Desai
Jul 21, 2025

In fintech, sometimes you need a Goliath to fight other Goliaths

The Capital One + Discover merger is happening, and that's actually a good thing

In fintech, sometimes you need a Goliath to fight other Goliaths
Samir Desai
Samir Desai
Jul 4, 2025

Coining a new payments protocol

Coining a new payments protocol
Samir Desai
Samir Desai
May 19, 2025

Predictively IPOable

Chime's IPO was as inevitable as that pun attempt (even though Dan Ariely may shudder)

Predictively IPOable
Samir Desai
Samir Desai
Sep 25, 2023

Everything you wanted to know about angel investing

With a small plug for our operator investor angel investing syndicate

Everything you wanted to know about angel investing
Samir Desai
Samir Desai
Sep 2, 2023

The best story of crypto the world has never seen

The best way to read The Crypto Story by Matt Levine is to listen to it.

The best story of crypto the world has never seen
Samir Desai
Samir Desai
Aug 1, 2023

How to solve the cryptocurrency definition debate and save Coinbase

It all depends on whether you can prove cryptocurrency is neither gold nor stocks

How to solve the cryptocurrency definition debate and save Coinbase
Samir Desai
Samir Desai
Sep 18, 2022

What I learned about fintech fraud when "Harry Selby" tried to steal my money

How fintech features become bugs in the hands of fraudsters

What I learned about fintech fraud when "Harry Selby" tried to steal my money
Samir Desai
Samir Desai
Jul 25, 2022

Explaining the confusing money movement for AFTs and OCTs

Explaining the confusing money movement for AFTs and OCTs
Samir Desai
Samir Desai
Jul 4, 2022

The sobering reality about fintech FDIC insurance

The sobering reality about fintech FDIC insurance
May 2, 2022

The unofficial guide to understanding startup Finance Functions.

The unofficial guide to understanding startup Finance Functions.
Samir Desai
Samir Desai
Apr 3, 2022

The fresh furry framework on contract negotiation

The fresh furry framework on contract negotiation
Samir Desai
Samir Desai
Jan 17, 2022

Why fintech transaction volumes don't matter unless you also know the net take rates

Why fintech transaction volumes don't matter unless you also know the net take rates
Samir Desai
Samir Desai
Dec 19, 2021

Why the Durbin Amendment isn't as scary for fintechs as you might think

Originally published December 18, 2021

Why the Durbin Amendment isn't as scary for fintechs as you might think
Nov 22, 2021

What I learned about web3 vs web2 when we all tried to buy the Constitution

Originally published November 21, 2021

What I learned about web3 vs web2 when we all tried to buy the Constitution
Samir Desai
Samir Desai
Nov 15, 2021

Why Contribution Profit is the hidden metric that really drives unit economics

Why Contribution Profit is the hidden metric that really drives unit economics
Samir Desai
Samir Desai
Nov 2, 2021

The single unified framework for operating a neobank

Originally published November 1, 2021

The single unified framework for operating a neobank
Oct 25, 2021

The instant payment method that every neobank wants to offer

Originally published October 25, 2021

The instant payment method that every neobank wants to offer

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Interspace

Over-engineered posts on fintech, stratfin, tech, AI and unit economics nerdery