Fintech Confidential

DD3, Media

Entertaining information focused on Fintech industry insights, market trends, news, and life stories from Fintech leaders, thinkers, and doers.

  1. Identity Verification Is Broken: The Truth Behind Detection Rates

    há 57 min.

    Identity Verification Is Broken: The Truth Behind Detection Rates

    Industry experts estimate synthetic identity fraud costs the financial industry as high as $95 billion a year, and the most damaging attacks pass every verification check without triggering a single alert. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, brings 25 years of payments and fraud infrastructure experience to a direct conversation with Hal Lonas, Chief Technology Officer of Trulioo, the identity verification platform trusted by Google, JP Morgan Payments, Stripe, Airbnb, and Meta. Lonas explains why detection rates hide more than they reveal, how fraudsters now add intentional imperfections to AI-generated deepfakes to beat detection systems, and why agentic commerce requires an entirely new verification layer beyond KYC and KYB. The conversation covers Trulioo's Know Your Agent (KYA) framework, the Digital Agent Passport, Google's Agent Payments Protocol (AP2), and the privacy regulation debate most compliance teams have not fully worked through. Find out more 1️⃣ Ask your identity vendor for their false negative rate, not just their detection rate, and demand specific numbers. 2️⃣ Build continuous monitoring into your post-onboarding workflow so your system is still watching on day 30, 60, and 90. 3️⃣ Audit every automated decision model in your stack and document the logic before your next regulatory exam. 4️⃣ Map your verification flow and tier friction based on real-time risk signals instead of running flat checks on every customer. 5️⃣ Get your compliance and growth teams in the same room with a shared dashboard showing fraud loss rates and abandonment rates side by side. Guest:Hal Lonas LinkedIn: https://www.linkedin.com/in/hal-lonas-4555b1 Hal Lonas X: https://x.com/hal_lonas Company:Trulioo: https://www.trulioo.com Fintech Confidential:Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential Supporters:Under.io streamlines application and underwriting by digitizing PDFs for digital signature: under.io/FTC Skyflow is a zero trust data privacy vault delivered as an API, covering PCI, CCPA, GDPR, SOC 2, and beyond: skyflowsecure.com DFNS provides wallets as a service, API first, multi-chain, secured with MPC, used by Stripe, Fidelity, and others: fintechconfidential.com/dfns Hawk AI offers real-time payment screening, AML monitoring, and dynamic customer risk rating to reduce false positives: gethawk.com About:Hal Lonas is the Chief Technology Officer of Trulioo, where he leads technology strategy, product development, and engineering. He co-founded BrightCloud, a cloud-native threat intelligence company, and previously served as CTO at Webroot, Carbonite, and OpenText before joining Trulioo in 2021. Trulioo is a global identity verification platform operating across 195 countries, covering 14,000+ ID document types, 6,000+ watchlists, and 700 million business entities. Tedd Huff is CEO of Voalyre and founder of Fintech Confidential. The show is produced by DD3 Media and brings you the people, tech, and companies that change how you pay and get paid. Chapters: 00:00 Introduction 01:28 Meet Trulioo CTO 02:48 From Space to Security 04:11 Dfns: Wallets as a Service (sponsor) 05:32 Sleeper Accounts Explained 08:33 False Negatives Metric 11:43 Explainable Adaptive ML 13:23 Deepfakes Raise Stakes 15:03 Asymmetric Defense Signals 17:51 Privacy Versus Safety 21:25 Sky Flow: Building Fast and Secure (sponsor) 22:27 Friction Based Risk 24:16 Case Study ConsenSys 26:04 Know Your Agent Future 27:52 Agent Passport Checks 32:43 Open Standards AP2 34:35 Are Defenders Losing 36:05 Leader Advice Wrap 40:37 Final Thoughts and Outro 41:36 Hawk AI - Realtime Fraud Monitoring (sponsor) 42:23 Disclaimer Disclaimer: The information provided in this episode is for informational purposes only and should not be considered financial, legal, or investment advice. #syntheticidentityfraud #identityverification #KYC #KYB #agenticcommerce #KnowYourAgent #deepfakedetection #fintechfraud #fraudprevention #AML #trulioo #AP2 #GoogleAP2 #AIfraud #fintechcompliance #fintechconfidential

    43 min
  2. Bank Charter Confusion Exposed: Trust Charters, Fed Access, and Hidden Risks

    25 de mai.

    Bank Charter Confusion Exposed: Trust Charters, Fed Access, and Hidden Risks

    The OCC's 376-page proposed rule under the GENIUS Act is converting stablecoin policy into binding compliance requirements with formal issuer categories. Paxos, BitGo, and Ripple all received OCC trust charter approvals, but a trust charter does not guarantee Fed payment rail access. Klarivis data shows deposit movement from stablecoin-adjacent products is already measurable at community banks. The 26-month application timeline puts anyone starting today against a potential administration change, and sponsor bank programs face new pressure from charter competition and yield-based products. Bank charter confusion, trust charter risks, and Fed Master Account access gaps are creating real problems for fintech operators, sponsor banks, and community bank executives right now. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, and co-host Steve Bishop sit down on Inside the Vault with three former and current regulatory insiders: Syed Raza, former Acting Chief Innovation Officer at the OCC and Managing Director at FTI Consulting; Michele Alt, Co-Founder and Managing Director at Klaros Group; and Ian Moloney, Chief Policy Officer at the American Fintech Council. Find out more 1️⃣ Answer four questions before filing: who grants the charter, what powers it includes, what activities are limited, and who examines the institution. 2️⃣ Start compliance documentation now; controls, funds flow maps, and exception handling should be ready before the examiner asks. 3️⃣ Read the conditions attached to charter approvals; those conditions reveal what regulators did not trust in the application. 4️⃣ Align cost sharing, control ownership, and data ownership with your partner before examination forces the conversation. 5️⃣ Price the M&A path into your charter strategy; the 26-month timeline means the political window may close before your application clears. Guest LinksSyed Raza FTI Consulting Michele Alt Klaros Group Ian Moloney American Fintech Council Steve Bishop Fintech Confidential Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SupportersUnder: Streamline your application and underwriting process by digitizing PDFs for digital signature. under.io/ftc Skyflow: Zero-trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, and SOC 2 compliance. skyflowsecure.com Hawk AI: Real-time payment screening, ML transaction monitoring, and dynamic customer risk rating to fight fraud and financial crime. gethawkai.com About the GuestsSyed Raza is a Managing Director at FTI Consulting with over 30 years in risk management and regulatory compliance. He previously served as Acting Chief Innovation Officer at the OCC, guiding regulatory policy for fintech licensing. Michele Alt is Co-Founder and Managing Director at Klaros Group. She spent 22 years in the OCC Law Department and advises banks and fintechs on charter applications, regulatory strategy, and bank design. Ian Moloney is Chief Policy Officer at the American Fintech Council. He previously led policy and regulatory affairs at Cross River and served as a Senior Analyst at the U.S. Government Accountability Office. About the Co-HostSteve Bishop is Founder and Chief Ally at amBaaSsador, an education and advisory platform focused on embedded finance and Banking-as-a-Service for financial institutions. About the HostTedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential. Fintech Confidential is a production of DD3 Media, bringing you the people, tech, and companies that change how you pay and get paid. Chapters00:00 Episode Highlights 00:36 Welcome to Fintech Confidential 03:31 Sky Flow: Building Fast and Secure (Sponsor) 04:33 What a Charter Means 07:06 OCC Rules and Stablecoins 09:43 Why Trust Charters Boom 13:50 Under.io: AI-Powered Onboarding & Risk Verification (Sponsor) 14:20 Fed Master Account Gap 17:59 Sponsor Banking Under Pressure 22:15 What to Watch Next 25:28 Action Steps and Wrap 27:50 Hawk.ai: AI-Driven Financial Crime Detection (Sponsor) 28:36 Disclaimer #bankcharter #trustcharter #fintech #occ #stablecoin #geniusact #fedmasteraccount #sponsorbank #baas #fintechregulation #communitybank #bankingcompliance #fintechpolicy #occcharter #depositinsurance #stablecoinyield #bankholding

    29 min
  3. The Stablecoin Rulebook Is Here: What Banks and Fintechs Need to Do

    12 de mai.

    The Stablecoin Rulebook Is Here: What Banks and Fintechs Need to Do

    Crypto regulation in Q1 2026 reshaped the stablecoin and digital asset markets with the OCC's 376-page Genius Act proposed rule, the SEC's five-category crypto asset classification, and new AML data from FATF and Chainalysis. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, breaks it all down with Robert Musiala, Partner at Baker Hostetler and co-lead of their Web3 practice. The OCC introduced the PPSI framework that every future stablecoin issuer must follow, while at least 15 crypto-native companies raced to file trust charter applications. The SEC named 18 tokens as digital commodities, replaced the "decentralization" test with a central party control standard, and Chairman Atkins previewed up to three safe harbor proposals under a tentative Regulation CA. On the enforcement side, 84% of illicit crypto transactions in 2025 involved stablecoins, the DOJ seized $61 million in USDT, and North Korea expanded state-sponsored theft into remote IT worker schemes targeting US businesses. Find out more 1️⃣ Map your Genius Act transition now; the 18-month implementation window is closing fast and companies that filed trust charters in late 2025 are already positioned. 2️⃣ Vet every outsourced IT vendor accepting stablecoin payments for shell company ties to state-sponsored actors. 3️⃣ Audit your tokens against the SEC's five-bucket test before the safe harbor proposals drop. 4️⃣ Stress test your AML program against stablecoin-specific risks like peer-to-peer transfers, multi-hop wallet chains, and shell IT vendor payments flagged by the DOJ and FATF in Q1. 5️⃣ Model your Q3 budget with and without yield revenue in case the OCC's related third-party restrictions survive. LINKS GuestRobert Musiala LinkedIn: https://www.linkedin.com/in/robert-musiala/ Baker Hostetler: https://www.bakerlaw.com/people/robert-musiala Blockchain Monitor: https://www.blockchainmonitor.com/ CompanyBaker Hostetler Website: https://www.bakerlaw.com/ Web3 & Digital Assets Team: https://www.bakerlaw.com/practices/web3-digital-assets Legal Resources: https://www.bakerlaw.com/insights HostTedd Huff: https://www.linkedin.com/in/teddhuff/ Linkedin: https://www.linkedin.com/company/fintechconfidential Fintech Confidential Youtube: https://youtube.com/@fintechconfidential Podcast: https://fintechconfidential.com/listen Newsletter: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SUPPORTERS DFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains - fintechconfidential.com/dfns Skyflow: Zero trust data privacy vault for PCI, CCPA, GDPR, SOC 2 compliance - skyflowsecure.com Hawk: AI tools for real-time payment screening and fraud prevention - gethawkai.com ABOUT Robert Musiala is a Partner at Baker Hostetler where he co-leads the firm's Web3 practice. He authors The Blockchain Monitor, one of the longest-running legal blogs covering crypto regulation, enforcement, and policy developments. His practice spans both traditional financial institutions and crypto-native companies. Baker Hostetler is a national law firm with deep expertise in financial services, securities, and emerging technology law. Tedd Huff is the CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. The show is produced by DD3 Media and brings you the people, tech, and companies that change how you pay and get paid. CHAPTERS 00:00 Episode Highlights 01:18 Welcome to Fintech Confidential 01:27 Dfns: Wallets as a Service (sponsor) 02:47 Show Intro And Guests 05:30 Genius Act Rulebook 07:38 Reserve Rules Explained 13:08 Charter Rush Begins 18:11 Banks Vs Crypto Score 20:49 Deposit Flight And Yield 25:58 Wyoming And SoFi Models 29:38 SEC Five Bucket Guide 32:49 Digital Commodities Line 37:35 Munchee Vs Meg Prime 39:21 Sky Flow: Building Fast and Secure (sponsor) 40:23 Back To Atkins Agenda 40:58 Atkins Next Moves 43:21 Regulation CA Safe Harbors 45:39 Stablecoins And Illicit Use 50:25 Freezing Burning Reissuing 54:13 Offshore Crackdown FATF 56:24 North Korea Crypto Threats 59:28 Q2 Watchlist OCC Yield 01:05:11 Safe Harbor And CLARITY 01:10:33 Advice For Builders Q2 01:13:20 Wrap Up And Sponsor 01:14:08 Hawk AI - Realtime Fraud Monitoring (sponsor) 01:14:53 Disclaimer

    1h 15min
  4. Cross-Border Payments Explained: Why 50 US Jurisdictions Still Can't Agree

    28 de abr.

    Cross-Border Payments Explained: Why 50 US Jurisdictions Still Can't Agree

    Open finance infrastructure, agentic banking, and cross-border payments converge as Prometeo connects 7,500+ financial institutions across Latin America and the US through a single API. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Ximena Aleman, Co-Founder and Co-CEO of Prometeo, to unpack what it takes to standardize fragmented banking systems across 30 countries and bring that playbook to the American market. Tedd and Ximena cover why US banking infrastructure is more fragmented than most people realize, how Prometeo's account verification now covers 85% of US bank accounts, and what agentic banking looks like when AI agents operate real bank accounts with built-in compliance controls. The conversation also addresses the open banking pricing debate, CFPB 1033 as a US expansion accelerant, the Nacha preferred partner announcement, and why only 2 to 3% of VC funding reaches female-led startups. Find out more 1️⃣ Disaggregate your payment stack layer by layer; calling it "mature" hides gaps that cost you money. 2️⃣ Build infrastructure for corridors, not single countries, starting with the highest-volume trade routes your customers operate. 3️⃣ Bring non-bankers onto your product team to challenge workflows that insiders have normalized for decades. 4️⃣ Give smaller financial institutions a revenue stream tied to open banking adoption instead of pricing them out. 5️⃣ Pitch the outcomes your infrastructure enables, not the technical specs of what you built. LINKS Guest: Ximena Aleman LinkedIn: https://www.linkedin.com/in/ximena-aleman-7913439a/ Company: Prometeo Website: https://prometeoapi.com Prometeo LinkedIn: https://www.linkedin.com/company/prometeo-openbanking Fintech Confidential: Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SUPPORTERS Under.io: Streamlines application and underwriting by digitizing PDFs for e-signature. under.io/FTC Skyflow: A zero-trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, SOC 2, and beyond. skyflowsecure.com DFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains. fintechconfidential.com/dfns Hawk AI: Real-time payment screening, AML transaction monitoring, and dynamic customer risk rating. gethawk.com ABOUT Guest: Ximena Aleman is Co-Founder and Co-CEO of Prometeo. She started her career in journalism before moving into marketing and tech leadership, completing an MBA at Universidad ORT Uruguay. She was named one of the Top 100 Women in FinTech in 2024 and is a World Economic Forum Agenda Contributor. Company: Prometeo is an open finance infrastructure company providing a single API for cross-border banking, connecting 7,500+ financial institutions across Latin America and the US. The company is backed by PayPal Ventures, Samsung Next, and Antler. Host: Tedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential. The show is produced by DD3 Media, delivering entertaining and informative content focused on the people, tech, and companies changing how you pay and get paid. DD3 Media is a multimedia and marketing agency founded by Tedd Huff specializing in content creation and production for the fintech and payments industry. As the production company behind Fintech Confidential, DD3 Media produces podcasts, live streams, video content, and onsite events for global audiences. CHAPTERS 00:00 Episode Highlights 00:54 Welcome to Fintech Confidential 01:03 Dfns: Wallets as a Service (sponsor) 02:25 Meet ProMateo Founder 04:39 Outsiders Spot the Gap 06:38 Infrastructure Before Open Banking 10:21 Borderless Banking Explained 16:21 Why US Banking Feels Messy 18:56 Standardizing Fragmented Systems 20:42 Agentic Banking Kickoff 23:34 Limiting Agent Liability 24:49 Compliance and B2B Accountability 27:32 Monitoring Agents Like Card Rails 30:07 Sky Flow: Building Fast and Secure (sponsor) 30:30 Skyflow Privacy Vault 31:10 AI Bookends And Middle 32:01 US Credibility Milestones 33:06 Account Verification Playbook 35:56 FDATA Advocacy Meets Sales 39:51 Crystal Ball Agentic Payments 41:39 Open Banking Pricing Debate 48:44 LatAm Vs US Open Finance 51:27 Strategic Investors And Trust 53:42 Women In Fintech Funding Gap 55:36 Founder Advice And Farewell 57:43 Show Wrap And Sponsor Reads 58:29 Hawk AI - Realtime Fraud Monitoring (sponsor) 59:15 Disclaimer This has been a production of DD3 Media with all rights reserved. This content is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice. © DD3 Media. All Rights Reserved.

    1h
  5. 78% of ADA Lawsuits Target Small Business

    21 de abr.

    78% of ADA Lawsuits Target Small Business

    Website compliance, ADA accessibility lawsuits, and privacy law enforcement are creating real financial exposure for small and mid-sized businesses. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Michael Williams, co-founder and CFO of Clym, to unpack the growing wave of website regulation hitting SMBs and why most operators have no idea they are at risk. Watch episode here Over 5,100 federal ADA lawsuits were filed in 2025, up 30% from the prior year, with 78% targeting small businesses. Twenty US states now have active privacy laws, GDPR fines hit $1.2 billion globally, and California's CCPA issued a record $1.35 million penalty. Michael breaks down how enforcement works based on consumer location rather than business headquarters, why third-party scripts and chatbots create hidden liability, and how compliant websites saw roughly 30% more search visibility over the past year. New HHS enforcement requires healthcare organizations to meet elevated accessibility standards, with fines up to $150,000 per incident starting within weeks. Find out more 1️⃣ Audit every third-party script, tracking pixel, and embedded tool on your website to identify consent gaps before a plaintiff's attorney does. 2️⃣ Map your customer traffic by state and match it against the 20 active US privacy laws to build compliance around your actual footprint. 3️⃣ Run accessibility and privacy fixes through your marketing budget since compliant sites rank higher and capture customers competitors are losing. 4️⃣ Profile your own business first, including headcount, revenue, locations, and data collected, before evaluating any compliance vendor. 5️⃣ Require audit-ready, timestamped consent records from day one so you have receipts when a regulator or attorney comes knocking. GUEST LINKS Michael Williams LinkedIn: https://www.linkedin.com/in/michael-williams-clym/ COMPANY LINKS Clym Website: https://www.clym.io/ Clym LinkedIn: https://www.linkedin.com/company/clym Learn More: https://fintechconfidential.com/climb FINTECH CONFIDENTIAL Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SUPPORTERS Under.io streamlines application and underwriting by digitizing PDFs for digital signature: under.io/FTC Skyflow is a zero trust data privacy vault delivered as an API, covering PCI, CCPA, GDPR, SOC 2, and beyond: skyflowsecure.com DFNS provides wallets as a service that is API first, multi-chain by design, and secured with MPC: fintechconfidential.com/dfns Hawk AI offers real-time payment screening, AML transaction monitoring, and dynamic customer risk rating: gethawk.com ABOUT THE GUEST Michael Williams is the co-founder and CFO of Clym. He started his career as a state and local tax attorney at Ernst & Young before serving as CFO of a global travel management company, where a failed $100,000 GDPR consulting engagement inspired the creation of Clym in 2018. Michael holds a Juris Doctorate from the University of Connecticut School of Law. ABOUT CLYM Clym is an all-in-one website compliance platform founded in 2018 that covers 160-plus regulations, catalogs over 1,200 third-party services, and integrates with WordPress, Shopify, Wix, Magento, and other major platforms. ABOUT THE HOST Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. Produced by DD3 Media, Fintech Confidential brings you the people, tech, and companies that change how you pay and get paid. CHAPTERS 00:00 Episode Highlights 01:03 Welcome to Fintech Confidential 01:12 DFNS: Wallets as a Service (sponsor) 02:30 Meet Michael Williams and Clym 03:41 Why Compliance Gets Ignored 05:24 SMB Lawsuit Reality Check 06:49 ADA CCPA and GDPR by the Numbers 08:21 How Big Is the Problem Really 09:13 Consumer Location Based Enforcement 10:12 Third Party Script Risks 11:55 Compliance as a Growth Lever 14:19 Restaurant Menus Losing Customers 15:16 New ADA Enforcement Wave 17:27 Will Enforcement Follow FTC Pattern 18:36 Why Clym Goes Broad 20:25 Clym Origin Story 22:52 Staying Ahead of 160 Regulations 24:32 Beyond Basic Cookie Banners 26:38 Skyflow: Zero Trust Privacy Vault (sponsor) 27:40 Edge Cases and Flexibility 28:38 Company Intake Profiling 29:54 Five Minute Setup Promise 30:52 Ecommerce Platform Gaps 32:34 Vibe Coding Compliance Risks 33:49 Why Copying Big Brands Fails 35:42 Trusted Advisor Partnerships 37:29 Compliance as a Service Response 39:05 Lawsuit Economics and Dress Shop Story 40:45 Audit Ready Litigation Support 42:25 Shared Liability Hosted Pages 43:28 Third Party Script Tracking 45:51 Enforcement Trends Ahead 47:45 Crystal Ball Future Outlook 49:49 Browser Companies Wont Fix It 51:01 Proactive Compliance Benefits 52:49 Wrap Up and Resources 54:19 Hawk AI: Realtime Fraud Monitoring (sponsor) 55:05 Disclaimer

    56 min
  6. Credit Scores vs Bank Data: Why Lenders Are Switching

    14 de abr.

    Credit Scores vs Bank Data: Why Lenders Are Switching

    Cash flow underwriting, explainable AI, and credit risk analytics are changing how lenders approve borrowers and set loan terms. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Jamie Twiss, CEO of Carrington Labs, and Kasey Kaplan, Chief Product and Commercial Officer, to break down how behavioral signals in bank transaction data outperform traditional credit scores. Over 50 percent of loan applicants cannot produce a reliable credit score, leaving self-employed workers, gig earners, and younger borrowers locked out of the system. Carrington Labs uses billions of lines of transaction data to build personalized, explainable machine learning models per lender, per product, and per customer segment. The conversation covers their "control point" approach to AI, lifecycle underwriting beyond origination, open banking friction in the US, and a five-year outlook on embedded, agent-driven lending. FIND OUT MORE 1️⃣ Map analytics to every step of your lending funnel to find exactly where borrowers drop off and why. 2️⃣ Buy best-of-breed origination and servicing tools instead of building proprietary underwriting tech in-house. 3️⃣ Start with off-the-shelf models, lend small, collect performance signal, then shift to custom models fast. 4️⃣ Offer higher loan limits to borrowers who sync more accounts through open banking. 5️⃣ Track how borrowers respond to financial scarcity and build those behavioral patterns into your credit criteria. Guest Jamie Twiss LinkedIn: https://www.linkedin.com/in/james-twiss/ Kasey Kaplan LinkedIn: https://www.linkedin.com/in/kaseykaplan/ Company Carrington Labs: https://www.carringtonlabs.com/ Carrington Labs LinkedIn: https://www.linkedin.com/company/carringtonlabs/ Beforepay Group: https://www.beforepaygroup.com Fintech Confidential Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential About the Guests Jamie Twiss is CEO of Carrington Labs and Beforepay Group. He began his career at McKinsey & Company, held senior banking roles including Chief Data Officer at a major Australian bank, and now leads the development of explainable AI credit risk models for lenders globally. Kasey Kaplan is Chief Product and Commercial Officer at Carrington Labs. With over 15 years across payments, program management, and fintech lending, he leads commercial execution across credit risk scoring, cash flow underwriting, and loan limit solutions. About the Company Carrington Labs is the AI and enterprise software division of ASX-listed Beforepay Group. The company builds explainable AI credit risk scoring, cash flow underwriting, and loan limit solutions for banks and non-bank lenders worldwide, having powered over 4 million loans through its sister business. About the Host Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. With 25+ years in fintech and payments, he brings entertaining and informative conversations focused on the people, tech, and companies that change how you pay and get paid. DD3 Media Fintech Confidential is a production of DD3 Media, a media creation, management, and production company delivering engaging fintech content globally. Chapters 00:00 Episode Highlights 01:04 Welcome to Fintech Confidential 01:13 DFNS: Wallets as a Service (sponsor) 02:34 Meet Carrington Labs 04:48 Casey FinTech Origin 06:05 Jamie Credit Risk Path 07:59 Mission Beyond Scores 10:16 Cashflow Underwriting 13:35 Alternative Data Behaviors 17:37 Built Inside Beforepay 21:01 AI Control Points 24:07 Deterministic Vs Inference 28:35 Keeping Bias Out 34:48 Real Client Turnaround 36:44 Funnel Friction Signals 38:25 Optimizing Drop Off 39:21 Sky Flow: Building Fast and Secure (sponsor) 40:21 Product Specific Risk Models 42:32 From Shelf To Custom 43:34 Model Retraining Workflow 47:05 Siloed Versus Consortium 48:59 Cashflow Behavior Insights 50:25 Feature Engineering Matters 51:41 Macro Shocks In Data 56:07 Lifecycle Servicing Signals 57:36 Limit Management Uplift 58:55 Open Banking Pushback 01:03:53 Crystal Ball AI Lending 01:09:11 Advice And Wrap Up 01:13:24 Hawk AI: Realtime Fraud Monitoring (sponsor) 01:14:10 Disclaimer

    1h 15min
  7. Bitcoin Yield Without Custody Risk: Inside Lightning's Payment Infrastructure

    7 de abr.

    Bitcoin Yield Without Custody Risk: Inside Lightning's Payment Infrastructure

    Bitcoin Lightning payments, self-custody yield, and stablecoin interoperability are converging on one infrastructure layer, and the companies building it are already seeing massive demand. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Jesse Shrader, co-founder and CEO of Amboss Technologies, to break down how Lightning Network infrastructure is reshaping payment processing, treasury strategy, and compliance for fintech operators worldwide. Card networks charge 2% to 5% per transaction. Lightning brings that to 0.29%. Square just announced zero Bitcoin processing fees for its entire retailer network. The Genius Act is flooding the market with stablecoins, but those assets live on blockchains that do not talk to each other. Jesse explains how Taproot Assets on Lightning can unify fragmented stablecoin systems through cross-asset, in-flight currency exchange. He also walks through how Rails, a self-custodial Bitcoin yield product with over 2,600 on its waitlist, lets companies earn yield from payment routing without giving up custody. The conversation includes real founder lessons on fundraising, board strategy, and preparing for a future where AI systems pay each other. FIND OUT MORE 1️⃣ Lightning payment processing at 0.29% is a 10x reduction from card network fees; run the math on what your business saves annually. 2️⃣ Self-custody yield is now possible on Bitcoin without handing your asset to a third party; Rails automates the infrastructure so you do not need to be an expert. 3️⃣ Build your board with the smartest people you have ever met, and replace anyone who is not fully invested in your success. 4️⃣ Map your fiat compliance obligations into decentralized payment environments now, before a sanctions violation forces the conversation. 5️⃣ Start designing guardrails for AI agents with spending authority; machine-to-machine payments are expected within three to five years. LINKSGuest Jesse Shrader on LinkedIn: https://www.linkedin.com/in/shraderjesse/ Company Amboss Technologies: https://amboss.tech/ Amboss Space (Lightning Network Explorer): https://amboss.space/ Rails: https://www.amboss.tech/rails Amboss on LinkedIn: https://www.linkedin.com/company/ambosstech Fintech Confidential Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential Supporters DFNS provides wallets as a service that is API first, multi-chain by design, and secured with MPC so you can launch across over 50 blockchains without managing private keys. Request a demo at fintechconfidential.com/dfns Skyflow is a zero trust data privacy vault delivered as an API that lets you collect, secure, and tokenize personal information with built-in features for PCI, CCPA, GDPR, and SOC 2 compliance. Visit skyflowsecure.com Hawk AI provides AI tools for real-time payment screening, ML transaction monitoring, and dynamic customer risk rating to make compliance more effective and help fight fraud and financial crime. Visit gethawkai.com About Jesse Shrader is the CEO and co-founder of Amboss Technologies. He holds a degree in Environmental Resources Engineering from Humboldt State University and previously worked in highway asset management at the Oregon Department of Transportation. His experience handling calls for class action lawsuits against banks exposed him to predatory overdraft practices and pushed him toward building decentralized payment infrastructure. Amboss Technologies is a payment infrastructure and data analytics company built on Bitcoin's Lightning Network, founded in 2021. Its products include Magma (liquidity marketplace), Rails (self-custodial yield), Reflex (compliance automation), and Amboss Space (network explorer). Tedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential. Fintech Confidential is a production of DD3 Media, bringing you the people, tech, and companies that change how you pay and get paid. Chapters 00:01:02 DFNS: Wallets as a Service (Sponsor) 00:02:20 Welcome to Web3 with FTC 00:02:51 Meet Jesse Shrader and Amboss 00:05:32 Rails Launch and Bitcoin Yield Demand 00:06:37 From Engineering to Bitcoin Infrastructure 00:09:18 Stablecoins, Genius Act, and Interoperability 00:12:39 Self-Custody Yield with Rails 00:16:40 Why Lightning Over Layer One 00:19:08 Amboss Product Suite 00:21:45 Compliance, Sanctions, and Reflex 00:24:15 Skyflow: Data Privacy Vault (Sponsor) 00:25:17 How Rails Generates Yield 00:29:31 Lower Fees and Merchant Adoption 00:35:24 Founder Lessons and Fundraising 00:39:30 Build Your Board Strategically 00:41:50 Crystal Ball: AI Paying AI 00:45:18 Voltage Partnership Announcement 00:47:12 Hawk AI: Fighting Financial Crime (Sponsor) 00:47:57 Disclaimer

    48 min
  8. Payment Processing Secrets: 13 Companies Merged Into One Platform

    31 de mar.

    Payment Processing Secrets: 13 Companies Merged Into One Platform

    Unified commerce and European payments are under pressure as merchants juggle fragmented vendors, local debit schemes, and country-by-country compliance. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Niv Liran, Chief Product and Technology Officer at Unzer, to break down how one platform serves over 85,000 merchants across Germany, Austria, Switzerland, and Denmark. Niv explains how Unzer consolidated 13 acquired companies into a single system using a one-application-per-purpose rule, why local language sales and compliance expertise outperform global common-denominator approaches, and how open banking and the European Payments Initiative are creating new payment rails. The conversation gets specific on merchant migration tactics, daily workflow savings from eliminating multi-vendor reconciliation, and where AI-powered tools fit for small businesses within the next three to five years. FIND OUT MORE 1️⃣ Gate your best features to the new platform so merchants have a reason to migrate without being forced. 2️⃣ Ask prospects to walk through their daily actions before pitching; let the pain sell the solution. 3️⃣ Set a one-app-per-purpose rule before consolidation starts to prevent political gridlock across acquired teams. 4️⃣ Test every partnership against two filters: does it help the merchant, and will consumers actually adopt it. 5️⃣ Connect directly to local accounting software in each market; it locks in retention and kills reconciliation overhead. Guest Niv Liran on LinkedIn: https://www.linkedin.com/in/nivliran Unzer: https://www.unzer.com Fintech Confidential Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential Supporters of Fintech Confidential Under.io: Streamlines application and underwriting by digitizing PDFs for e-signature. under.io/FTC Skyflow: A zero-trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, SOC 2, and beyond. skyflowsecure.com DFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains. fintechconfidential.com/dfns Hawk AI: Real-time payment screening, AML transaction monitoring, and dynamic customer risk rating. gethawk.com About the Guest Niv Liran is Chief Product and Technology Officer at Unzer. He entered fintech at Groupon in Berlin solving chargebacks on billions in monthly volume, then held leadership roles at Rocket Internet and AUTO1 Group, where he scaled the tech department from 5 to over 350 employees. He holds a B.Sc. in Computer Science and an MBA from INSEAD. About Unzer Unzer is a payments and commerce platform serving more than 85,000 merchants across Germany, Austria, Denmark, and Luxembourg with unified online, in-store, and back-office solutions through its UnzerOne platform. About the Host Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. Produced by DD3 Media, Fintech Confidential brings you the people, tech, and companies that change how you pay and get paid. Chapters 00:00 Episode Highlights 01:02 Welcome to Fintech Confidential 01:10 DFNS: Wallets as a Service (sponsor) 02:32 Meet Niv Inbar 05:08 Why Unified Commerce Is Hard 07:02 Falling Into Payments 09:46 Unser vs Stripe Adyen 11:30 Localizing Across Europe 12:44 One Platform Consolidation 15:12 Merchant Migration Playbook 17:43 Merchant Day to Day Example 20:21 Skyflow - Your Privacy API (sponsor) 21:18 Taming Local Debit Schemes 23:29 Selling ROI and Reducing Risk 26:29 Partnerships Open Banking EPI 29:20 EPI and Digital Wallet Future 31:06 Market Consolidation Ahead 32:27 Crystal Ball Unified Commerce 35:26 AI Agents for Small Business 37:32 One Sentence Founder Advice 39:11 Wrap Up Key Takeaways 41:03 Hawk AI - Realtime Fraud Monitoring (sponsor) 41:47 Disclaimer

    42 min
Ver tudo (142)

Sobre

Entertaining information focused on Fintech industry insights, market trends, news, and life stories from Fintech leaders, thinkers, and doers.

Informações

  • Criado por
    DD3, Media
  • Anos de atividade
    2021 - 2026
  • Episódios
    142
  • Classificação
    Livre
  • Copyright
    © Copyright 2025 DD3 Media
  • Site do podcast
    Fintech Confidential

Você também pode gostar de