Field notes
Essays and research, as we work
9 min read
Banking for Vertical Agents
The next customer of a bank won't be a company. It will be an agent acting on behalf of one — and serving that customer requires rebuilding the financial stack from the rails up.
11 min read
The bank with no interface
Nobody wants to live inside a banking app. Finance teams already work in spreadsheets, chat, and AI. The bank of the future is a ledger, a memory layer, and a set of agents — and the interface lives somewhere else entirely.
6 min read
The next fintech isn't a bank
It'll be an application layer on top of stablecoin rails, built for agents. The bank becomes the blockchain. The regulation becomes the stablecoin. The experience layer on top gets designed for AI from scratch — not bolted on.