Notes on payments,
borders, and building.
Deep dives on cross-border payment infrastructure, stablecoin economics, and what we're learning while building OwenPay.
Built for Stablecoins vs Bolting Them On: What Actually Changes for Cost and Speed
A data-grounded look at how stablecoin-native payment companies compare to incumbents adding crypto rails, and where the cost and performance differences are real versus marketing.
The State of the Stablecoin Market and Players: 2025 in Review, 2026 in Motion
A full analyst report covering issuers, infrastructure, custody, rails, payments, regulation across 8 jurisdictions, tokenized deposits, and the unresolved questions shaping the next 18 months.
OwenPay vs Deel: Which Is Right for Paying Global Contractors in 2026?
A side-by-side comparison of OwenPay and Deel for businesses paying international contractors. Pricing, settlement speed, FX costs, tax forms, and when to choose which.
The $33 trillion quiet revolution: why stablecoin payouts will eat global contractor payroll
Stablecoin rails now move $33 trillion annually and settle in seconds for fractions of a cent. The companies still routing contractor pay through 1970s correspondent banking are about to find out what that costs them.
How stablecoin payouts work, in plain English
If you've heard 'stablecoin' a hundred times and still aren't sure what it means, this is for you. No jargon, no hype, no buzzwords.
The hidden cost of a $1,000 international wire
We traced where the money actually goes when you send a $1,000 wire to a contractor in Mexico. The number is worse than you think.
Regulation Was Never the Thing Holding You Back
Why we built OwenPay
Cross-border payments are the most painful problem hiding in plain sight. Here's what we saw, and what we're building.