Real-world notes for founders navigating the messy road from idea to launched product.
Misclassifying your fintech product as "not money transmission" is the fastest way to trigger regulatory enforcement. Learn how to classify correctly before building.
Bank connection failures destroy fintech user experience. Learn how to diagnose and fix Plaid integration issues before they kill your activation metrics.
Most fintech startups die from compliance mistakes, not technical failures. The regulatory maze is more brutal than founders expect.
Simple balance fields work until they do not. At scale, fintech apps need double-entry ledgers or face unfixable accounting errors.
Getting licensed to move money in the US costs $500k-2M and takes 12-24 months. The state-by-state breakdown founders need.
Your sponsor bank partnership is existential for fintech survival. Most startups pick wrong and get dropped within two years.
