almost every financial product has been API-ified we’ve already seen > card issuance as an API > checking accounts as an API > yield as an API > brokerage as an API and now we’re seeing > mortgages as an API > auto loans as an API > insurance as an API > private credit as an API > wealth management as an API what other financial products will be boiled down to an API?

if you’re an enterprise fintech adding stablecoins, choosing the right wallet infrastructure provider is one of the most important decisions you’ll make here are 6 reasons why you should use @turnkeyhq: 1. we already power hundreds of enterprise customers including @polymarket, @raincards, @stablecoin, @moderntreasury, @anchorage and @flutterwave 2. we’ve processed over $200b in stablecoin transactions across 150M+ wallets 3. we offer sub-100ms signing built for high-volume payment flows 4. our architecture keeps private keys from ever being exposed 5. our APIs and SDKs are built to make integration as simple & flexible as possible 6. our engineering team works closely with you to help you ship at scale if you’re looking for a stablecoin infrastructure provider that will work 1:1 with your team as you start your crypto journey, send me a DM happy to chat

hi i’m Bryce! Looking to be more active on X, so here's an intro > based in nyc, but have lived in atl, paris, sf, berlin > first PM at Coinbase Custody > helped scale it from $0 → $100B+ in assets > co-founder & CEO of @TurnkeyHQ > processed $200B+ in stablecoin volume > obsessed with making crypto infra simpler bullish on stablecoins, agentic payments, programmable finance, and bringing the next billion users onchain. will be sharing more of what we’re learning building Turnkey, thoughts on where crypto infrastructure is headed, and the occasional founder ramble. if you’re building in crypto, fintech, payments, or AI, say hi :-)

if you were affected by Chase slashing rewards on their Sapphire Reserve card: here's why you should use Flex: > up to 2.3% cashback (more in some cases) > 60 days to repay your balance > hotel & travel points included if you're spending 100k+ per month, send me a DM happy to personally onboard you.

someone should build the FDIC insurance layer for crypto neobanks. one of the biggest barriers to getting customers to hold large balances with a new neobank is trust. imagine being able to advertise: “your USDC & USDT are insured up to $250,000” that instantly gives neobanks: > more trust > a stronger competitive edge > way better marketing angles the model is fairly simple: underwrite the neobank based on its infra providers, smart contracts, previous incidents, and overall risk. then charge an annual premium based on the amount of deposits covered and let the neobank pass that protection directly to its customers. sell neobanks the trust they need to attract larger deposits. who’s building this?

dropping another billion dollar startup idea: build an insurance company for AI agents that move money. as agents start making purchases, payments, and transfers autonomously, someone will need to underwrite the risk when things go wrong. we’re already starting to see agents like Instinct buy the wrong thing, send money somewhere they shouldn’t, or misunderstand what the user actually asked for. as agents get access to more money, these mistakes become exponentially more expensive. a tech native insurer could underwrite each agent based on: > transaction limits > historical error rates > actions it can perform > approval + permission controls > fraud and security infrastructure > amount of money it can access then price coverage based on the risk profile of each agent. eventually, every AI agent that can autonomously spend or move money will need an insurance layer sitting underneath it. someone should build this.

😡 Chase Just F**KED Sapphire Reserve Cardholders Around 5am this morning, chase announced they can't support all the reward payouts they have been giving to card holders (3% cashback on ads) so they are moving off the 3% and to a tiered system. 3% cashback on ads untill 1m spend and then 1% cashback after, starting November 15th. American express did the same thing a few years ago when the nuked the card redemptions from unlimited to 1m/year. Here is the solutions for USA and Non usa spenders: most of the fintech companies are still offering high cashback on unlimited spend on ads and any business expense (COGS, software, etc) For both USA spenders and non USA -> Flex offers up to 2.3% cash-back on spend, with weekly repayments, for their credit card. Flex also offers a rewards card that has no underwriting you can get as high of a limit as you have bank balance, same cashback as above + also able to top up with crypto coming in the next week. you can also withdraw and settle out in crypto. (can be foreign w usa entity) - for CC - for Rewards Card RT if this helped u

MoonPay went from being known as the “buy crypto with your credit card” company to having one of the most stacked product lineups in all of crypto. they now offer 20+ products across: > on/off ramps > virtual bank accounts > fiat + crypto deposits > global payouts > stablecoin issuance > wallets > MPC/key management > swaps > crypto checkouts > treasury management > institutional trading > reconciliation + accounting > AI agent wallets > agentic payments a lot of this expansion has come from them going on a shopping spree and acquiring a dozen companies over the last year. what @MoonPay gets especially right is that despite becoming a much bigger infrastructure company they’ve never lost the consumer brand that made them relevant in the first place (due to their cracked social team) A tier execution all around. has been beautiful to watch.

Instinct just announced that they’re looking to raise at a $10B valuation. which means VCs are FOMO’ing to invest into personal AI agents. this is the perfect time for someone to raise capital and build the infra layer that lets neobanks embed these agents directly into their products. an Instinct/GrokBot/Muse style product that gives banking apps access to AI agents that can: > order my usual Uber Eats for pickup > pay my medical bill > book me the cheapest flight to Miami > find and cancel subscriptions I don’t use > dispute this charge for me every neobank is rushing to integrate AI in some capacity, but almost none of them are going to keep up with how quickly the tech is advancing while also running a fintech/payments company. that creates a pretty obvious opportunity for an infra player to build the agent layer and sell it across the entire neobank ecosystem.

William Hockey & the Column team are LITERALLY pioneering the future of fintech. we’re building a big part of the Flex banking stack on top of Column, and they’ve been incredible to work with. and if you haven’t read into the story of their CEO, Mr. Hockey, you should. after building Plaid, he went out and bought a community bank, rebuilt the entire tech stack from the ground up, and created a bank designed specifically for fintech companies. today, Column powers some of the biggest names in the space: > Flex > Mercury > Brex > Wise > Ramp > Slash Column is basically your favorite fintech’s favorite fintech. genuinely one of the most impressive companies being built in fintech right now.

imagine a business credit card that gives you: > 60 days to repay balance at 0% interest > up to 2.3% cashback (more in some cases) > points + travel included and it comes in a sexy metal green color who wants access? DM me.

my love for fintech comes from a quote i heard many years ago “money is like water, to become rich you must get wet” and fintech is a perfect example of this you can literally make money by helping other people hold, send or receive theirs if you can position yourself somewhere in the flow of funds, you can almost always build a business around it

we’ve grown from $5B to $20B in annualized total payment volume (TPV) in just 10 months. we finished 2025 at $5B, crossed $10B in March, and hit $20B last week. if we continue on this pace we'll be processing $1T in annual volume in ~36 months. see you at the top @FlexSuperApp.

everyone in fintech is competing to build the next neobank or payments company. meanwhile, there’s a company doing almost $500m/year manufacturing metal cards. this might be one of the most overlooked businesses in fintech. pretty much every fintech or neobank with a card program needs someone to actually manufacture, personalize, and ship their physical cards. CompoSecure is one of the biggest players in the space and the largest manufacturer of metal payment cards, doing around $500m in annual revenue. the interesting part is that i’ve spoken with a bunch of card issuance teams and they all seem to have similar complaints about their existing manufacturers. they’re great at the actual manufacturing and logistics. but the tech stack sitting on top of it usually sucks. bad APIs, slow integrations, outdated dashboards, long approval cycles, and everything takes forever. most of these companies were built as manufacturers first, not technology companies. i think there’s a massive opportunity to build a modern card manufacturer with great software and APIs sitting on top of the manufacturing layer. it’s a super unsexy business. you’re not building fancy software or AI agents, you’re pumping out raw metal in a warehouse. but it can still become a massive operation. more and more fintechs will launch card programs and someone still has to physically make all of them. boring business, huge market.

there are over 100+ sponsor banks in the US i’ve compiled a list of some of the most popular ones: Column Lead Bank Cross River Grasshopper Bank Coastal Community Bank Thread Bank The Bancorp Pathward Sutton Bank Choice Financial Patriot Bank Customers Bank Evolve Bank & Trust MVB Bank Piermont Bank Stride Bank Celtic Bank Sunrise Bank Green Dot Bank First Internet Bank WebBank First Electronic Bank Emprise Bank Stearns Bank Vantage Bank TAB Bank Continental Bank Hatch Bank odds are, your favorite fintech is powered by one of these sponsor banks.

dropping another billion dollar fintech infra idea: build AI compliance agents for banks, neobanks, and fintechs. KYC/KYB is still painfully manual. a customer submits an application, uploads documents, and a compliance team has to manually piece together incorporation docs, bank statements, ownership, expected activity, screenings, and more. an AI compliance agent could handle most of that first pass: > take in the entire application > map fields against submitted docs > understand what the business actually does > identify ownership > check for inconsistencies > run sanctions screening > request missing docs or follow up answers which means faster onboarding, lower compliance costs, and more applications handled without constantly adding headcount. compliance is boring, but every single fintech out there NEEDS it. who's building in this space?

we’ve been quietly building Flex Elite for months, and it’s finally close to going live. we already have a small group of founders and CEOs using Flex Elite, including some of the people making those $1m+ purchases i’ve posted recently. the concept is pretty simple: the more your business spends through Flex, the more you’re personally rewarded: > up to 5% cashback on personal spend > premium travel and hotel rewards > access to luxury experiences and events > premium card benefits and concierge access really excited to be one of the first fintechs to bring personal and business finance together in a way that hasn’t existed before.