Technical Briefings
67 technical briefings from V-Sum convenings. Each company gets 10 minutes to present their technology — no slides, no fluff, just the product. Companies featured include Para, Radius, Stellar, The Stable Coin Company, Brale, Compass Labs, and more.
Nitya Subramanian
Para's Nitya Subramanian demos Para's wallet infrastructure for agentic commerce at Day Zero 06, framed around three problems with agentic payments today: hard wallet UX, plain-text private keys, and missing guardrails. Paramodal turns email verification into a fully functional wallet in seconds. The REST API provisions agent wallets with IP allowlists so a wallet for an OpenWebUI agent on a single Mac mini can only be exercised from that exact IP, then signs messages and raw transactions across Solana, Stellar, EVM, and Cosmos. Para's permissions feature enforces app-wide policies — scopes for transfers and signing, conditions like 'transaction amount < 1', plus distinct bypass and autonomous-with-policy modes for agents — at the MPC cryptography layer rather than in app code. Modular Para clients can be wrapped with x402 or MPP forwarders to slot directly into agent-payment flows.
Tyler Frederick
Radius's Tyler Frederick walks through Radius — stablecoin infrastructure aimed at millions of transactions per second to power agentic microtransactions like sub-penny purchases of data, inference, or compute — at Day Zero 06. The demo uses a fictional security/risk-assessment API called EdgeMeter, which currently blocks the ~50% of web traffic that is bots with 403s. Flip on x402 with per-request sub-penny pricing and the same bot traffic becomes monetized agent demand: live MetaMask-driven traffic settles in real time on Radius mainnet with revenue accruing per call. The deploy story is just as fast — a Claude session uses the open-source Radius x402 skill to ship a Cloudflare Worker endpoint, and a parallel buyer agent provisions a wallet, hits the Radius mainnet faucet for a 1-cent SBC drip (which funds 100 transactions at Radius's 1/100¢ per tx), then completes a paid call end-to-end in under five minutes.
James Bachini
Stellar's James Bachini ships a complete x402 server in 30 lines of code at Day Zero 06: a single Node.js file that gates a "secret number" behind a 0.01 USDC payment on Stellar Pubnet (Stellar's mainnet). The server uses the OpenZeppelin x402 facilitator as a relayer that sponsors transaction fees — agents move USDC at near-zero cost, a new paradigm for agentic systems transacting at scale. Important Stellar gotcha: a recipient wallet must establish a USDC trustline before it can receive payments; James recommends sending a 0.1 USDC test first to verify. On the buyer side, an open-source MCP server is registered into Codex via 'codex mcp add x42-stellar', backed by a hot wallet whose Stellar secret key lives in a .env variable. Codex loads the MCP, recognizes the x402 challenge on a fetch, signs and submits the payment, and returns the secret content — all visible end-to-end on a Stellar block explorer. Server + buyer + first paid microtransaction in under ten minutes.
Jeff Milewski
The Stable Coin Company's Jeff Milewski demos agents.stablecoin.xyz at Day Zero 06 — an agent-payments platform built on Para wallet infrastructure and Brale webhooks that wraps any API endpoint as an x402-monetized resource on the Radius network. Seller side: a local Express CPI mock API gets x402 middleware (1/10¢ per call, SBC on Radius) auto-implemented by Claude Code from a generated integration prompt; the gated 402 response advertises the wallet address, asset, and price. Buyer side: a "Day Zero demo" agent on Para uses preconfigured policies (per-transaction limits, dollar caps, seller allow lists) and abstracts its private key behind an API key. The buyer wallet is funded by bridging SBC from Base to Radius via Brale-powered webhooks. A public GitHub template deployed on Pinata Cloud as an OpenWebUI instance auto-loads the SBC agent ID + API key, so the agent retrieves the gated CPI data through an x402 micro-payment with no further setup — closing the seller-to-buyer loop in a single live demo.
Chase Merlin
Brale's Chase Merlin walks through Brale's new webhook product at Day Zero 06 — webhooks that publish signed lifecycle events as transfers settle, eliminating the need for clients to poll for status. The reference neobank app, built on the Brale stablecoin operating system, receives a transfer-completion event in roughly 18 seconds after a Solana transfer, then again on Spark, with signature verification, dedupe, and live balance + activity updates baked in. A single flexible transfer-request endpoint handles on-chain, off-chain, mint, RTP off-ramp, and cross-chain flows — and webhooks fire on the same event model for every variant. Closing pointer to a same-day blog post measuring a ~20% latency reduction versus polling-based integrations.
V-Sum TwentyTwo
Supported by Brale , The Stable Coin Company and Refract Ventures
Elisabeth Duijnstee
Compass Labs CEO Elisabeth Duijnstee walks through how fintechs and neobanks can embed DeFi products — stablecoin yield, crypto-backed loans, and tokenized stocks — through a single non-custodial API. The briefing includes a live build in Compass Studio of a white-label USDC savings account on Base, a $5 deposit into a Gauntlet USDC Prime vault, and a tour of position reporting, segregated sub-accounts for crypto-backed credit, and an LLM-friendly docs surface designed for coding agents like Claude Code.
Toby Rush
Ideem CEO Toby Rush walks through how modern cryptography can deliver invisible possession-factor authentication for banks, neobanks, and agentic-commerce flows. The briefing covers Ideem's FIDO + multi-party-computation "chip in software" model, device-plus-passkey binding on the same challenge, and a live Android demo of app-to-app bridging where a merchant webview verifies trust with a previously enrolled Yes Bank app via a silent push and an encrypted local channel — with no human in the loop.
Brendan Ryan
Tempo's Brendan Ryan introduces the Machine Payments Protocol (MPP), designed with Stripe as the payment form for AI agents. The briefing shows how MPP rides natively on HTTP request/response flows so agents can make paid API calls without preconfigured API keys or billing relationships, with live demos paying Parallel for web data and unlocking a payment-gated article via HTTP 402 — across Tempo, Stripe, Solana, Bitcoin payment methods, and Visa cards from day one.
Stride.ai co-founder Virajendra Daita walks through the company's unified AI platform for financial institutions — Doc AI for multi-language document processing, Web AI for no-code scraping of regulator and market sources, and an NLU layer for entity extraction and semantic search. The briefing covers an enterprise KYC orchestration that cuts corporate onboarding from ~29 days to ~1 day (saving €2M+/year), an 80,000-docs-per-day remittance processor, and live demos of KYC screening via Refinitiv and structured + unstructured document extraction.
Shamir Kharkel
Shamir Karkal, co-founder of Sila and previously Simple and BBVA\'s API platforms, demos the Sila money API — a developer-first platform built around three primitives (users, wallets, transactions) that lets any builder onboard users, run KYC, link bank accounts, and move ACH. The demo app at demo.silamoney.com onboards both individuals and businesses via unique alphanumeric handles; KYC runs asynchronously through Socure/LexisNexis (3–15 seconds typical) with document-upload fallback for IDs or formation docs. Every user gets one wallet by default but can own many (one-to-many), enabling segregated-account patterns. Sila supports three ways to link bank accounts: raw routing+account entry, your own Plaid integration via processor tokens, or Sila\'s managed Plaid instance (Plaid sandbox user_good/pass_good). Same-day ACH pulls $1,234 into the wallet in roughly five minutes in sandbox — deliberately slow so developers don\'t build code expecting real-time settlement. Wallet-to-wallet transfers settle on Sila\'s ledger in seconds; external redeems push ACH out to any linked bank account.
NVAL demos pricing infrastructure for illiquid assets, starting with NFTs. Using AI and on-chain data feeds, NVAL produces fair market values for NFTs in near real time — foundational for any financial workflow (lending, borrowing, insuring, trading) on non-fungible assets that have no spot price. NVAL sits as an analytics layer between blockchains (L1s, L2s, cross-chain) and the industries building on top (gaming, sports, trade finance, accounting, lending). Mark (CTO) walks through the REST API documented with OpenAPI: a "try it out" docs UI, a Postman collection, and a CLI all return the same price prediction for a specific NFT (the demo values a Doodle at 3.3 ETH with 96% confidence, sitting between the listed price of 4.2 ETH and the highest offer of 2.8 ETH). A Chrome extension surfaces NVAL prices on OpenSea pages, and the NVAL web app shows floor price, listed price, and price history against actual trade prints. The price-history endpoint returns 52 weekly data points across a year (configurable daily). Feature importance breaks down what drives price — 96% market action for a Doodle, 72% market action + 30% accessory-trait for a CryptoPunk — giving traders a way to understand why NVAL priced an NFT where it did.
Amelia Niemi, co-founder and CTO of Ntropy, walks through the Ntropy transaction enrichment and categorization API. Raw bank transactions go in, structured data comes out — category, merchant identity, logo, location, website, recurrence pattern, active and cancelled subscriptions, and detected income sources. A live Python quickstart shows four lines of code enriching a 1,500-row CSV (roughly 12–18 months of transaction history); the Ntropy app then surfaces the same data in a PFM-style UI. Amelia walks through Ntropy's benchmarks against GPT-4 — about 2,000× cheaper per transaction, 150× faster, and 15× more accurate on the hardest cases — before ML engineer Robin demos "Ntropy Cookie," a Discord chatbot that lets end users ask natural-language questions about their own spending: essentials vs non-essentials, savings opportunities, bank fees.
Ansible Labs co-founder Dan demos Beam, the team's crypto-to-cash off-ramp, at V-Sum Nineteen. The briefing covers wallet-connect onboarding, blockchain risk screening (TRM Labs / Chainalysis / Elliptic) on both the enrolled wallet and the source-of-funds address, Persona KYC, and a unique 1:1 smart-contract Beam address tied to a user + bank-account pair. A live production $15 off-ramp lands in a Bank of America account via RTP in minutes, with ACH, RTP, and push-to-card (Visa Direct / Mastercard Send) on the payout roadmap.
Kareem Saleh
Fairplay founder and CEO Kareem Saleh walks through "fairness as a service" for any algorithm making high-stakes decisions. The briefing demos customer composition and demographic imputation, proxy detection on a bias-vs-predictive-power matrix, fair lending analysis across women, Black, Hispanic, API, and American Indian applicants with Shapley-based driver attribution, census-tract-level geographic maps, a Fairness Optimizer that adds $1M of profit while closing Black-applicant approval gaps, SR 11-7 model risk documentation, and second-look models that surface thousands of additional approvals from declined applications.
Alvaro Morales
Alvaro, co-founder and CEO of Orb, demos Orb — billing and invoicing built for the hybrid usage-based pricing models common in fintech, cloud infrastructure, and developer platforms. Orb\'s primitive is the event: API calls, sessions, or any product action, ingested via direct API push or warehouse sync from Snowflake/Redshift/S3 with a name and a payload of tags and values. From events, operators define metrics — simple filters and aggregations (count of API calls at a balance endpoint) or full custom SQL for more sophisticated MAU or dimensional cases. Plans compose any number of fixed fees (e.g. a $100k annual platform-access fee) and usage-based fees (flat rate per call, tiered volume discounts, dimensional pricing tagged into event properties), with out-of-the-box support for minimums, discounts, trials, and "phases" that stage fee schedules over a customer\'s onboarding ramp. The payoff: billing becomes a real-time process instead of a month-end batch — live next-invoice previews, transparent customer invoices tied to underlying usage, webhook alerts on cost/usage thresholds (upsell banners, CSM alerts, Zapier/Slack), and a Salesforce integration that syncs usage into opportunity pages for sales reps experimenting with consumption-based pricing.
Nick Hynes
Oasis Labs demos on-chain verifiable credentials and selective disclosure on the Oasis confidential EVM. The thesis: put KYC/KYB data on-chain once with a trusted issuer (Equifax-rooted in this demo), then reuse it across web3 protocols without re-doing verification per counterparty — while giving users revocable, selective control over exactly what each verifier sees. The demo walks end-to-end through requesting a credential via identity.oasislabs.com, receiving both an NFT credential on the non-confidential Emerald chain and the full identity data stored confidentially on Sapphire (Oasis's confidential EVM, backed by trusted hardware), granting a demo website access to just the "is over 18" property, calling the isOver18 view from an Express backend, and revoking access afterwards. Broader use cases: credit score disclosure, zip-code mortgage / insurance quoting, and any flow that needs a derived fact rather than raw PII.
V-Sum Seventeen
Supported by Modern Treasury , IowaEDA and Brale
Antonio Georgalis, principal solution engineer at Prime Trust, demos the Prime Trust regulated custody and liquidity platform — the API-driven back-end infrastructure that connects crypto to the US dollar financial system for fintechs. The platform covers KYC-gated account creation (/v2/accounts), settlement, cash and asset transfers, and a liquidity API (/v2/quotes) that converts between dollars and roughly eight to ten supported digital assets via a request-for-quote flow. Money-in rails include ACH pull, wire, debit card, and Signet; money-out covers ACH and wire disbursements. The demo walks through the liquidity quote lifecycle end-to-end: RFQ with a price and expiration, execute, and check settlement status. Prime Trust runs two settlement modes — instant (settle asynchronously within milliseconds of execution, default) and scheduled (execute first, move funds in later, settle end-of-day, similar to T+2 in traditional markets) — plus a hot vs. warm balance distinction for automated vs. operations-reviewed disbursements.
Clarisse Hagege & Josh Siegel
Clarisse (co-founder, CEO) and Josh (product) of Dfns introduce Dfns — a developer-first wallet-as-a-service platform that separates the security of the private key from the governance of the assets. Dfns operates a decentralized MPC signer network in secure enclaves so private keys never materialize in memory or on disk — no single point of failure like seed-phrase or multi-sig-HSM setups. The API is chain-agnostic (25 blockchains, 9,000 tokens, new chains in ~3 weeks, new tokens in ~half a day) and built to scale to millions of segregated wallets per customer. A customer demo with Nilos (treasury management) shows how a user signs in and gets a fully functioning EVM wallet in seconds via createAssetAccount (distributed key generation) and initiatePayment, with every transaction subject to Dfns's programmable, API-first policy engine — including 2-of-3-style approvals defined in code rather than in a vendor UI. Pricing is unusual for the custody space: Dfns charges per wallet, per authorized signer, and per policy-engine access — never on AUM or AUC.
Jordan Valentine & Davis Hart
Davis Hart and Jordan of Paxos walk through the regulated crypto infrastructure Paxos provides to financial institutions — including PayPal, Paxos's first crypto brokerage customer from 2020. This briefing focuses on the June 2022 transfers launch: the ability for Paxos customers to enable their end users to deposit and withdraw crypto directly into their wallets without a fiat round-trip. The demo covers the PayPal web UI receive/send flows, Paxos's guaranteed network fees, and the Postman walkthrough of the three-endpoint withdrawal API: create a crypto-withdrawal fee quote (rate locked for minutes so retail users have time to review), submit the withdrawal with amount-vs-total and fee-asset-selection UX tools for developers, and track the transfer to completion with compliance checks and block confirmations. A final deposit-address walkthrough shows how Paxos issues one address per blockchain per end-user — covering Bitcoin, Bitcoin Cash, Ethereum, and the rest of the asset list.
Clay Allsopp
Plaid introduces Wallet Onboard — a Plaid product for crypto developers that brings the familiar Plaid "connect" experience to self-custody crypto wallets. Where Plaid has always linked bank accounts to fintechs, Wallet Onboard normalizes the fragmentation across hundreds of crypto wallets, multiple connection protocols, and the UX differences between MetaMask, Coinbase Wallet, Rainbow, Ledger, and WalletConnect-compatible wallets. The demo shows auto-detection of installed extensions, per-wallet optimized flows (QR for mobile-only wallets, desktop app handoff for hardware), direct wallet-to-app data flow with no Plaid intermediary on wallet addresses, and a drop-in vanilla JavaScript SDK that takes roughly an hour to integrate — plus auto-updates for new wallets and protocols delivered via cdn.plaid.com. Use cases span token gating, NFT mint, holdings tracking, payouts, and message-signature-based authentication.
V-Sum Sixteen
Supported by Modern Treasury , IowaEDA and Brale
Raven Jiang
Arc is a B2B financing platform for software companies, pairing Arc Advance (revenue-based financing) with Arc Treasury (a deposit account for the same customer profile). This briefing walks through the Arc customer onboarding flow — NDA, API credentials for banking, accounting, and billing — and the unified data model Arc has built across all three. Live demos connect Capital One via Plaid sandbox, accounting data via Codat, and billing via Stripe, with each sync landing in Arc's GraphQL backend as canonical data events. Behind the scenes, Arc normalizes data across multiple aggregators per domain using virtual SQL views, preserves raw provider data for traceability, and optimizes connector selection for long-term stable recurring connections — because Arc re-syncs this data continuously to monitor risk on outstanding balances and surface upsell opportunities.
Geoff Greenberg
Nium is a B2B money-movement platform supporting 190 currencies and moving into crypto rails including Stellar, Polygon, Ethereum mainnet, the Lightning Network, and Bitcoin. The demo focuses on Nium\'s Stellar integration for stablecoin (USDC) payouts. Login uses Stellar\'s sign-a-secret flow (challenge → wallet signature → JWT) so there are no usernames or passwords. Nium creates a second participant on Stellar testnet, validates the destination routing number (the same validation used for fiat rails), and sends $0.20 USDC — recording the transaction on Nium\'s side, broadcasting to Stellar, and reflecting the debited balance in seconds. The product positioning: Nium is the pipes connecting fiat and digital-asset rails, giving people more control over what/when/how/where their money moves.
Omri Mor
Routable is a B2B payments platform — a successor to the painful experience of building B2B payment infrastructure in-house at marketplaces, where a thousand to a million payouts per month have to move alongside tax-document management, ERP logging, and appease finance, ops, and engineering simultaneously. This briefing demos an international payout to a Canadian delivery driver with Routable co-querying NetSuite in the same flow, attaches files and FX conversion to the transaction, exposes Routable's approval rules, and walks through the magic-link payee experience (branded in the payer's name, no signup required). Closing demos cover bank-error recovery, retroactive payment-method updates on pending payables, the Object Field Mapping UI developers use to align with NetSuite/QuickBooks object IDs, and RTP-enabled domestic payouts.
V-Sum Fifteen
Supported by Modern Treasury , IowaEDA and Brale
Grant Roscoe
Crescent demos a high-yield treasury product for businesses — live in production V1, newly serving its first publicly traded customer, backed by USDC over-collateralized lending desks with zero exposure to Terra/Luna or Celsius and $30B of originations through its partners. The dashboard compounds interest every second, breaks earnings down by lifetime/year/month, and exposes admin controls for teams (plus easy switching between accredited individual and multiple business accounts, appealing to investment advisors). Because Crescent bridges fiat to USDC to lending desks, it natively supports wire and USDC deposits (ACH via Plaid coming soon) — the demo wires USDC from MetaMask into a Crescent account. Yield is accrued fungibly 1:1 in USDC/dollars at a ~4% sustainable rate. Despite looking like fixed income, Crescent accounts are fully liquid: next-day withdrawals initiate a wire, with Crescent pulling from fully-liquid lending pools, converting USDC to cash, and using bank credit lines to guarantee next-day settlement at zero fees. The roadmap is a yield marketplace: traditional cash sweeps, Treasury/mutual-fund products, and crypto yields — Crescent as the composable middle layer between businesses and yield sources.
Koji Murase
Koji, PM at Modern Treasury, walks through Modern Treasury Ledgers — a managed double-entry ledger API for fintechs like Revolut and Marqeta, marketplaces like ClassPass and Outdoorsy, and anyone building money-movement apps. The demo builds out "BillFold," a sample digital wallet, and walks through the patterns Modern Treasury has seen in production: custom ISO currencies (including USDC with a six-digit exponent for stablecoin-native apps), pending-vs-posted states for in-flight payments, immutable pending transactions with full audit trails, combined payment-plus-ledger API calls, and optimistic locking for just-in-time card funding flows alongside card issuers like Lithic and Marqeta. The closing pattern — purely in-ledger transactions between user accounts — makes user-to-user transfers essentially instant without ever touching an external rail.
Jack Ryan
Jack Ryan of FinGoal demos the FinGoal Switch Kit — a wrapper around Plaid, MX Link Money, Yodlee, and other aggregators that normalizes the account and transaction shape so you can swap aggregators in minutes instead of months. The live demo starts with a Next.js app running a Plaid link against Wells Fargo, then swaps the token endpoint and frontend portal to MX Link Money — which authenticates via open banking directly in the Wells Fargo app. The migration philosophy is not a big-bang swap: FinGoal recommends leaving existing Plaid connections alone and re-linking users through the new aggregator only when a connection breaks, so net-new users and natural re-auths silently migrate without churn. The Switch Kit\'s payoff is that the success page digests the callback event string from Link Money and renders the new accounts and /transactions/get output alongside pre-existing Plaid data — same schema, same categories, same fields — with only three files changed across the entire app. The thesis: developers should not be locked into an aggregator by migration cost.
V-Sum Fourteen
Supported by Modern Treasury , IowaEDA and Brale
Helghardt Avenant
Helgaard of Rehive demos Rehive — a no-code fintech app builder that sits on top of the application layer of the fintech stack (above Plaid, Synapse, Wyre). For marketplaces (Fiverr, Upwork, Uber-style) looking to bring banking into their ecosystem, Rehive ships a pre-integrated ledger, user management, and an extensions framework — plus three UI surfaces (iOS, Android, web, admin dashboard, merchant portal). The demo walks through a US-oriented project using Rehive\'s Wyre integration for on/off-ramps, fiat and crypto custody, and KYC — producing a production-ready PayPal-like app in 5–10 business days. From the admin dashboard, operators define currencies (each backed by Wyre or their own custodial license), add account types, and manage transactions. A mass-send extension uploads a CSV of recipients and triggers a bulk payout through the Rehive API — paying users into their own branded wallet instead of PayPal. The consumer mobile app includes peer-to-peer transfers, QR scan-to-pay, a rewards/cashback engine, a lightweight in-app merchant marketplace, and a Wyre-backed crypto buy flow. Merchants get their own portal to list products, send invoices, and integrate POS — Rehive ends with a white-label option that hands over the source code for further customization.
Victor Faramond
MoonPay is the on-ramp that lets anyone with a crypto wallet top up in a couple of clicks — or, increasingly, buy an NFT with a credit card without ever touching crypto. The demo opens with the common workflow (found an NFT on OpenSea, not enough ETH on Polygon to buy it), walks through a $30 ETH-on-Polygon top-up with 3D Secure via a UK banking app, and tours buy.moonpay.com — MoonPay supports 100+ cryptocurrencies, 40+ fiat currencies, SEPA across Europe and the UK, and a limited US ACH rollout. For developers, MoonPay ships a configurable widget (iframe or URL) with pre-fillable currency, amount, wallet address, email, language, and brand colors, plus an API key per partner. The closing demo buys an NFT on OpenSea with the MoonPay iframe filter enabled — one saved-card click, 3D Secure, and the NFT is minted to the buyer's wallet with no bridging or gas-fee juggling required.
Ben Rollert
Ben Rollert, CEO and co-founder of Composer, demos Composer — a trading app that gives retail investors access to systematic investing. Strategies are called "Symphonies" — containers for trading logic and the assets they operate on, much like an ETF is a container for a basket. The demo walks through the strategy library (featured, community, classic), Symphony fact sheets with backtests that actually model slippage and fees (rare in retail products), the visual conditional-logic editor and natural-language descriptions, live editing of conditions and benchmarks, swapping underlying assets, and Composer's fundamental building blocks (weight blocks, assets, filters, conditions) used Lego-style to build recursively nested multi-strategy portfolios like the Dragon Portfolio. Composer supports threshold rebalancing (rebalance only on drift, not calendar) and deploys to real brokerage accounts via Alpaca with fractional market orders.
V-Sum Thirteen
Supported by Modern Treasury , IowaEDA and Brale
Leah Staniorski
Leah, a client engineer at Unit, walks through the Unit banking-as-a-service platform — the three-part challenge of building banking into a fintech (compliance, technology, bank relationships) and how Unit handles all three so product teams can focus on acquisition and differentiation. The demo covers Unit's two build environments (Sandbox for unbounded prototyping, Pilot for real production with minor limits), generating an API token, submitting a business application through the KYB flow, Unit's optional white-label application form, subscribing to webhooks for real-time events, and issuing a deposit account plus virtual debit card in two API calls. Leah then reveals the full card details using Unit's VGS-backed sensitive-details service and buys a webcam cover on Amazon, closing the loop with the settled-transaction webhook firing back into the dashboard.
Oona Rokyta
Lance is a banking app for the 68M independent workers in the US — sole entrepreneurs ranging from Instacart/Uber/Lyft drivers to lawyers, teachers, and NFT creators. Built on Unit for banking-as-a-service and Abound for tax intelligence, Lance tackles the three hardest parts of freelance finance: setting aside taxes, opting into benefits, and building a cash-flow footprint. Onboarding collects standard KYC/KYB plus filer type, state of residence, and a ballpark annual-income estimate — then recommends an allocation across "stacks" (salary, taxes, main expenses, goals). Stacks are Unit-powered sub-accounts delivered to the freelancer from day one instead of year five. Abound dynamically withholds the right tax from each deposit. On the first payment from a new client or marketplace, Lance prompts the user to classify it as 1099, W-2, or personal, so every subsequent payment from that source is taxed (or not) correctly. Virtual and physical cards drop into Apple Wallet, invoices go out in a few taps, and the home screen shows month-over-month income vs. expenses vs. taxes — plus an Abound-generated Schedule C. Crypto investing and a debt-payoff stack are on the near-term roadmap.
Alex Cram
Abound demos the tax-automation APIs behind freelancer banking apps like Lance — built on the thesis of "what if the IRS shipped a REST API." Four core products cover the self-employed tax stack: year-to-date federal/state/self-employment tax calculation, tax payments with 100% federal/state/DC coverage, transaction prediction (personal vs. business, deduction category), and end-of-year form generation (1099, Schedule C). The demo shows how Abound sits on top of Unit BaaS: when a Lance user opens a Unit account, Abound automatically registers them on its tax ledger using Unit\'s KYC data and auto-creates a payment method from the Unit account and routing numbers. Every debit and credit on the Unit ledger flows to Abound, which recalculates taxes in real time — income marked 1099 adds to the marginal/effective rate breakdown; business expenses categorized as commission deduct accordingly; a personal Apple Store purchase is flagged by the prediction engine as non-deductible. Abound returns a "smart tax rate" that Lance uses to set aside taxes from every deposit, and the tax-payment API remits $887 to the IRS on April 15 with a full created → pending → done lifecycle.
V-Sum Twelve
Supported by IowaEDA , Brale and This Week in FinTech
Philip Pieper & Sam Stone
Swarm Markets presents their BaFin-licensed DeFi exchange at V-Sum Twelve. Presented by Philip Pieper, covering regulated token swaps, the dOTC peer-to-peer trading service, SX1411 token standard, and their Passport compliance system.
Max Howenstine
Zero Hash presents their crypto-as-a-service API at V-Sum Twelve. Presented by Max Howenstine, with a live demo of crypto-back credit card rewards built with Deserve — three API calls to go to market.
Ben Verscheure & Matt Clower
TreasureFI presents their corporate cash management platform at V-Sum Twelve. Presented by Ben Verscheure, covering Treasure Cash (FDIC-insured) and Treasure High Yield — tools for businesses to optimize idle cash across money market funds and T-bills.
V-Sum Eleven
Supported by IowaEDA
Brandon Millman
Phantom presents their Solana wallet at V-Sum Eleven. Presented by co-founder Brandon Millman, covering token swaps, staking, NFT management, transaction simulation, and phishing protection.
Stephen Young
NFTfi presents their peer-to-peer NFT-backed lending marketplace at V-Sum Eleven. Presented by Stephen Young, walking through the borrower experience — listing NFTs as collateral, receiving offers, and managing loans.
Mike Sall
Goldfinch Finance presents their decentralized credit protocol at V-Sum Eleven. Presented by co-founder Mike Sall, covering how Goldfinch enables crypto lending to real-world businesses through Backer and Senior Pool mechanics.
Mark Phillips & Abhay Kumar
Helium walks through the largest wireless network in the world — an IoT network built on the Helium blockchain and powered by token incentives (HNT, trading ~$27.50 with a ~$3.2B market cap at time of demo). explore.helium.com visualizes the hotspots providing LoRaWAN coverage in cities like San Francisco. Helium hotspots (40+ approved manufacturers under the Decentralized Wireless Alliance) plug into power and internet at home, broadcasting a long-range IoT signal for sensors and soon handsets. The live demo uses a Dragino LDS-S01 door sensor: opening and closing the door sends 9-byte packets over the Helium network, picked up by the fittingly named "stable-rouge-puma" hotspot and routed to console.helium.com in real time. The packets flow onward via a Datacake integration into a dashboard — a full end-to-end application built with a cheap sensor and the public network. On the incentive side, the hotspot routing the demo traffic earned ~0.339 HNT over 7 days and ~1.3 HNT over 30 days from proof-of-coverage mining plus a small Data Credit reward for actually carrying the packets.
Mike Demarais
Rainbow introduces itself as the most accessible Ethereum wallet — built to deserve a spot on your home screen rather than forcing a 30-word seed-phrase gauntlet on new users. The demo tours what makes Rainbow distinctive: auto-discovery of ERC-20 tokens across Ethereum mainnet, Arbitrum, and Optimism merged into a unified view (no chain-switching); a Savings section wired to Compound Finance that auto-swaps any deposited asset into DAI under the hood; Uniswap liquidity-pool positions surfaced with annualized fees; NFTs as first-class citizens including floor prices, trait-based search into OpenSea, a Showcase feature for favorites, and per-wallet public web profiles like rainbowwallet.eth; a swap UI that takes any-to-any input and exposes EIP-1559 custom gas tipping; and WalletConnect as Rainbow's deliberate answer to an in-app dApp browser — connect Rainbow to any web dApp via mobile Safari and bounce back to Rainbow for action approvals.
Marvin Janssen & Friedger Müffke
Marvin Janssen, technical lead at the Stacks Foundation, gives a hands-on tour of Stacks — a Bitcoin L2 blockchain that anchors every block to the Bitcoin chain via proof-of-transfer, inheriting Bitcoin's security while adding smart-contract capability. The briefing centers on writing a SIP-009 NFT in Clarity, Stacks' non-Turing-complete Lisp-based smart-contract language. Marvin uses Clarinet — the Stacks analogue of Truffle plus Ganache — to scaffold the project, opens the Clarinet console for a REPL tour of Clarity (strongly typed, with distinct signed vs unsigned integer literals), then implements the SIP-009 NFT trait (Stacks' ERC-721 equivalent) using NFT primitives baked into the language (nft-mint, nft-burn, nft-transfer) — the correct balance-sheet semantics come for free. The ownership model is user-defined: Marvin asserts that sender equals tx-sender (Clarity's msg.sender) before transferring. A closing clarinet-console session mints two NFTs, checks owners, and transfers one between principals in the local Clarity VM.
Clément Salaün
Clément of Numary demos Numary\'s open-source ledger and Numscript — a DSL purpose-built to model the hidden money-flow complexity of marketplaces and platforms (where customer payments, commission splits, and seller payouts quickly become an operational mess). The demo clones a DoorDash-style marketplace in Numscript: a "world" account injects funds, a coupon account funds a $15k FALL21 marketing campaign with a $10-per-redemption metadata value, an order\'s payment account pulls first from the user\'s wallet and falls back to world, and a single atomic Numscript splits the order payment four ways — 85% to the restaurant, a delivery amount to the rider, platform fees, and VAT-applicable taxes. Each step produces a transaction with clean source/destination postings in the Numary ledger, which the fintech later reconciles against Stripe, Wise, or their payment provider of record. The closing rider payout demonstrates the reconciliation handoff between Numary\'s internal ledger and the external payment system — the Numscript repo is open-sourced on GitHub at github.com/numary.
Brian Billingsley & James Armstead
Brian, co-founder of Basis Theory, walks through the Basis Theory platform — a developer-first tokenization and encryption service for any sensitive value on the internet. The demo covers tenants (test/prod, sub-customer, or geo-split workspaces), Elements (drop-in UI that keeps you out of PCI scope for cards, bank accounts, SSNs, and driver's licenses), and server-to-server apps gated by PCI Level 1 attestation. Basis Theory tokenizes any serializable value — strings, documents, PII, cards, bank accounts — and returns a consistent token shape with type, fingerprint, and non-sensitive metadata so developers can dedupe without decryption. Customers can roll their own keypair (bring-your-own-key) so Basis Theory only sees ciphertext. The reactor system ships pre-built serverless templates (Stripe, Braintree, BIN analysis via Perapt) and private reactors for custom integrations, allowing partners to tokenize a card once and route to multiple processors without ever touching the raw PAN.
Gil Akos & Sam Morgan
Gil Akos, co-founder and CEO of Astra, demos the Astra automation platform for money movement. Astra\'s thesis: ACH and AFP are fragile and archaic, but below the surface lies an iceberg of origination risk, returns, and entitlements that blocks fintechs from shipping money movement quickly. Astra wraps this complexity in a four-step integration: create a UserIntent, walk the user through a single OAuth 2.0 authorization screen (terms, SMS code, optional account linking, redirect), link bank accounts (managed Plaid, bring-your-own processor tokens, or manual account+routing), and create Routines — rule-driven automations like "when destination balance drops below $100, move $500 in." Routines run in the background, firing transfers automatically. The closing architecture segment contrasts origination (fintech → sponsor bank → one-way ACH debit) with Astra\'s orchestration model (fintech → Astra → debit source + credit sponsor bank) for higher settlement fidelity and faster speed, with the goal of enabling fintechs to eliminate origination risk and capture more recurring inbound deposits (typically ~$1,200 per user per month).
Jason Ioannides & Monica Murthy
Monica Murthy and Jason Ioannides of Alloy demo the Alloy identity decisioning platform — an "identity command center" financial institutions use to manage the customer lifecycle across fraud detection, KYC, AML, transaction monitoring, and (launching next month) credit underwriting. The briefing focuses on Alloy's onboarding product. At the core is the Alloy workflow — a visual no-code orchestration of 70+ third-party data sources (Iovation, LexisNexis, Socure, Ekata, ID Analytics, and more) that fan out from a single API call and return a consolidated approve/review/decline outcome. Compliance teams can edit rules in plain English (IF ID Analytics score ≥ 850 OR Socure Sigma Fraud ≥ 0.985), add entirely new data sources, and flip conditional-execution gates (skip KYC/AML on obvious frauds) — all from the UI, with version control, a change log, and role-based manual-review queues. Evaluation views expose every signal that fired and every raw data-source response for audit.
Rui Gomes & Julie Landrum
OpenNode is a Bitcoin infrastructure provider focused on Bitcoin payments and payouts. The thesis: Bitcoin is the internet-native currency — global, decentralized, borderless, low-cost, and instantly final via the Lightning Network — and that makes it a better rail for online payments than legacy schemes. OpenNode powers Bitcoin payments for McDonald's El Salvador locations, Substack creator subscriptions, and Bitcoin-native companies like Fold. The demo walks through the OpenNode merchant dashboard (on-chain vs Lightning requests, live QR payment, USD auto-conversion so merchants have no volatility risk), payment buttons and invoicing, split settlement that keeps a configurable percentage in Bitcoin and the rest in fiat, and the OpenNode API for generating charges and paying out Bitcoin or Lightning without ever holding the coins.
V-Sum Seven
Supported by IowaEDA
Federico Pomi & Daniel Rollingher
Federico, CEO and co-founder of Fabrica, presents Fabrica — a platform that makes real estate programmable by wrapping each property in a legal trust whose ownership is represented by a non-fungible token. The demo walks through a complete on-chain land transaction on the Fabrica platform: a buyer picks a plot, clears KYC, links a Plaid-connected Chase checking account, signs a transfer agreement, and the NFT plus bank transfer settle together in about three minutes — with a recorded county deed and land-tax-assessor appointment falling out of the same flow. Because Fabrica uses a standard NFT contract, each property shows up on OpenSea with full transaction history, priced in Sila USD. Federico closes with the broader vision — collateralize, borrow against, fractionalize, or earn DeFi-vault yield on real property — and Fabrica's state-by-state expansion in California, Arizona, New Mexico, and Colorado.
Kyle Tut & Justin Hunter
Pinata manages off-chain data for blockchain applications — the infrastructure most NFT marketplaces (OpenSea, Rarible, and many others) quietly rely on. Kyle Tut, co-founder and CEO of Pinata, explains why on-chain storage is economically impractical (roughly $4M per GB on Ethereum) and how IPFS content identifiers (CIDs) give NFT creators tamper-proof references to their underlying files — you cannot silently swap out a CID the way you can a traditional Dropbox link. The demo covers Pinata's Dropbox-style upload UI, IPFS infrastructure run by Pinata to keep retrieval fast, dedicated per-customer gateways that serve IPFS content from your own domain (mypinata.cloud or your TLD) while preserving CID-level integrity, and Pinata's audit-trail approach for legitimately-updatable NFTs in gaming and interactive-art use cases.
Soups Ranjan & Aditya Goel
Soups Ranjan, CEO and co-founder of Sardine, walks through the Sardine fraud and compliance API — a single endpoint for fintechs, crypto exchanges, challenger banks, and NFT platforms to prevent fraud, run KYC, monitor crypto transactions, and stay on top of AML and sanctions (PEP/SDN) screening. The demo shows how Sardine catches fraudsters running mobile emulators like BlueStacks, disposable phone numbers, and stolen dark-web identities — combining behavioral biometrics, device intelligence, and telco/social-graph enrichment with live Chainalysis and Coinbase Analytics calls. A no-code rule editor lets ops analysts chain dozens of fraud and AML typologies without writing code, and adverse-media signals cut AML false positives that plague traditional transaction-monitoring rules.
V-Sum Six
Supported by Costanoa Ventures and IowaEDA
Nick Neuman & Michael Haley
Casa demos its personal key-manager product for Bitcoin self-custody — a safe, visually-consumer-first way to hold Bitcoin private keys without falling off the "one key, one pool of coins" cliff that has already lost an estimated 4M of Bitcoin\'s 21M total supply. At Casa\'s highest security tier, five keys protect one Bitcoin pool (mobile phone, three hardware wallets, one emergency Casa-held key) under a 3-of-5 multi-sig — losing any one key doesn\'t risk your funds. A separate "checking account" uses a single mobile key for fast spending. The send flow shows the multi-sig in action: the phone signs first, Casa emails a prompt to plug in a Trezor or Ledger for the second signature, and a third hardware approval broadcasts the transaction to Bitcoin\'s network. QR-code-based signing on next-gen hardware wallets will eliminate the email step. Casa\'s replace-a-lost-key flow skips seed-phrase recovery entirely — mark the key compromised, add a new hardware device, and transfer funds with the remaining healthy keys. Premium service tiers offer concierge-style support for high-net-worth holders.
Patrick Larsen & Dan Hannum
ZenLedger presents crypto taxes and accounting at V-Sum Six. Presented by Patrick Larsen and Dan Hannum, covering portfolio tracking, taxable event reporting, tax loss harvesting, and full audit reports for cryptocurrency investors and tax professionals.
Greg Scullard & Lina Tran
Hedera Hashgraph walks through the Hedera public distributed ledger — a leaderless consensus network with thousands of TPS, 3–5 second latency at full finality, native multi-signature, and fees pegged to the US dollar for predictable business economics. The briefing demos the Hedera Token Service (HTS), which issues fungible and non-fungible tokens as native network operations (not smart contracts), with configurable keys for admin / supply / KYC / wipe / freeze so issuers can layer in compliance features selectively. The live demo creates a VSAN6 fungible token (two decimals, variable supply, KYC-gated), walks through token association (recipients must opt in — protecting users from unsolicited airdrops and the tax liability they can trigger in some jurisdictions), grants KYC to Alice and Bob, transfers 20,000 tokens to Alice, and closes with an atomic swap across three assets (VSAN6, demo-token-one, and HBAR) in a single Hedera transaction.
Meg Nakamura & Willis Jackson III
Meg Nakamura, Willis Jackson III, and Mike of Apto Payments demo Apto\'s self-service card issuance platform — the answer to years of customer complaints about how long and how expensive standing up a card program used to be. The new Apto is developer-first and fully self-service: design, build, launch, and scale a debit or prepaid card program without ever talking to a salesperson. The demo walks through real signup, API keys, a cardholder app delivered via TestFlight, KYC-backed cardholder onboarding, sandbox test transactions, and the production application (revenue split, KYB, UBO capture, off-the-shelf card designs, $500 collateral). Meg funds her card via ACH and a linked debit card, adds it to Apple Pay, and buys a Raygun t-shirt online — the transaction appears in both the Apto admin and the cardholder app within seconds. A closing demo fires an Apto API call to credit $20 to the cardholder wallet as a marketing incentive, and Willis covers the mobile SDK vs. white-label wrapper paths to shipping the cardholder app under your own brand.
Skyler Nesheim & Ben Schmitt
Ben and Skyler Nesheim of Dwolla demo "programming the Fed and The Clearing House" — Dwolla\'s flexible ACH, same-day ACH, push-to-debit, and real-time payments (RTP) API that businesses use to program collections, disbursements, and stored-value flows. The demo opens on launch day for Dwolla RTP: already live in sandbox, newly live in production. A command-line "David Lightman" app walks through the full Dwolla payment stack — create a lightweight customer, upgrade to a verified customer with SSN and address, add a bank funding source, then fire four transfers back-to-back. Standard ACH requires only source URL, destination URL, currency, and amount. Same-day ACH adds a one-field "clearing object." Push-to-debit only changes the destination URL. RTP changes one line — the processing channel. Throughout the demo, Dwolla fires webhooks (customer completed, bank transfer completed, etc.) so applications can react in real time.
Lindsay Davis & Jeff Hendren
Lindsay Davis and Jeff Hoffer of Atomic demo Atomic's payroll-connectivity APIs — used by hundreds of thousands of consumers per month across challenger banks, neobanks, and online lenders to switch direct deposits, verify employment, and verify income. Atomic ships a standard SDK across iOS, Android, React Native, Flutter, and Kotlin that partners typically integrate in ~4 hours. The demo walks through launching Transact inside a partner app (passing a unique GUID and the destination account/routing number), distinguishing Deposit (write) flows from Identify/Verify (read) flows, and handling the employer-vs-payroll-provider selection. Atomic's conversion engineering is a differentiator: reverse-engineered in-modal password resets push authentication conversion to ~70%, and two-factor authentication (present in ~28% of logins) is handled inside the flow. Linked accounts enable periodic VOE/VOI refreshes without re-prompting the user. Partial direct-deposit switches power investing apps that want to route a percentage or dollar amount of each paycheck to a new destination without the user changing their primary bank.
YAP is an API platform that sits between banks and businesses across Asia — think Marqeta-adjacent, but covering processing plus full retail-bank orchestration across five to seven Asian markets (roughly 300 fintechs in India today). The briefing walks through YAP's granular API catalogue (wallet / card issuing, multi-currency travel, neo-banking primitives) and a real YAP-powered product: PaisaBazaar's Step-Up credit card, an Indian credit-builder card where customers book a fixed deposit and 80% of the FD becomes the starting credit limit. The demo covers Indian identity verification (PAN, Aadhaar share-code, UIDAI OTP), UPI penny-drop account verification, instant issuance of both virtual and physical cards, and the card-control API for toggling channels, setting limits, and delivering statements as PDF or JSON for custom branding.
Credolab is a Singapore-headquartered company building smartphone-based behavioral credit scoring for the financially underserved. The demo shows how Credolab\'s lender-embedded SDK (Android) captures behavioral metadata alongside the borrower\'s consent during a standard loan-application flow — with no PII ever leaving the phone (50,000 behavioral data points compressed into a 50 KB JSON). The borrower sees transparent Google-policy permission prompts (allow/deny per permission), Credolab reports coverage completeness (e.g. 83% if some permissions are denied), and the score plus metadata (record ID, device ID, timestamp, permissions) surfaces in the lender\'s dashboard in real time. The Credolab score focuses on intent to repay (behavioral patterns matched against known defaulter features via proprietary ML) rather than ability to repay — so it complements existing bureau data rather than replacing it. Use cases span emerging markets without credit bureaus (thin-file approvals on fair terms), developed markets (risk-based / relationship-based pricing), and instant-decision products like short-term loans, buy-now-pay-later, e-commerce, and e-wallets. Credolab has 86 clients across 26 countries.
Brankas is an open banking platform across Southeast Asia — Philippines, Indonesia, Thailand, Vietnam, Singapore. CPO Mike and Senior PM Luis demo Direct, the Brankas bank-transfer product that aggregates transfers across multiple banks via API with the end-user's explicit consent. Brankas never holds funds (no Stripe-style settlement); it exposes consent, authentication, and routing over open-banking rails. The demo walks through the two-endpoint Direct API (payment initiation, transaction retrieval), a live 100-peso payment from a BPI account in the Philippines through Brankas's IDP (identity provider) consent flow, per-bank authentication (username/password, TFA, OAuth 2 where banks support it), a biometric in-app authorization step on the BPI mobile app, and the final redirect + callback webhook that tell the integrator the payment settled. Production use cases include e-wallet top-up, lender collection, marketplace checkout, and bill payment.
V-Sum Three
Supported by Shopify , The Kauffman Foundation and Levvel
Riddhiman Das
TripleBlind demos a cryptographic platform for privacy-preserving data and algorithm exchange — an alternative to the status-quo model of decrypting and replicating third-party data (the Capital One / Experian problem). TripleBlind\'s novel one-way encryption is homomorphic-like but roughly a trillion times faster than full homomorphic encryption, and it works across text, voice, video, and images. The data can only be used for the purpose explicitly authorized, and algorithms themselves can also be encrypted — protecting IP and training data from reverse-engineering. The live demo uses Kaggle\'s customer-transaction-prediction dataset split across three mock organizations (Standard Chartered, JPMorgan Chase, BNP Paribas) running in three different browsers. Privacy-preserving EDA lets a data scientist see shape, distribution, and plots without seeing individual records. A feed-forward neural network (dense + ReLU layers) is trained across all three parties — each granting cryptographic consent with a justification — and produces a privacy-preserving PyTorch object that can be used for local inference or secure multi-party compute predictions (both algorithm and data stay hidden from each other). Training runs in minutes where FHE would take weeks, and the code is drop-in compatible with PyTorch, Pandas, TensorFlow, and XGBoost — GDPR, CCPA, and FDIC compliant.
Jeff Kramer
Jeff Kramer, CTO of Transparent Financial Systems, demos Zand — a community-based B2B platform for real-time value transfers running 24/7/365. Zand networks are designed by and for their transactional community: forex and crypto OTC desks, networks of community and regional banks, and more. There is no central issuer, no new currency, no intermediaries — just programmable digital dollars under the community\'s control. Banks do not install new software; Zand only requires three APIs (balance check, transaction history, book transfer), and banks still choose who to bank. The live demo runs against two beta banks through both a wallet UI and Swagger docs: a creation request mints new digital dollars in two steps (request with a nonce, followed by the reserve transfer) — funds remain at the participating bank but move into the shared network reserve. A $10,000 peer-to-peer payment between wallets completes instantly on the Zand ledger with no bank API called; wallet IDs are publicly shareable without granting access. Finally, $1,000 and $100 redemptions destroy the claims and push underlying funds back to the member\'s chosen bank. Jeff positions Zand as a bank-agnostic dollar settlement rail for regional/community banks, a more equitable real-time payment system, and a BSA-compliant digital-dollar platform for fintechs and crypto businesses.
Eric Saraniecki
Eric Sarnecki, co-founder of Digital Asset, demos DAML — Digital Asset\'s framework for building networks of systems of record. The pitch: the world already runs on distributed ledgers, but the consensus algorithm is reconciliation — expensive, slow, and the reason payments are slow, margin is expensive, and capital requirements are astronomical. DAML replaces this by putting authorization directly on the data, enabling privacy-preserving data integrity across organizations. Customers are using DAML to rebuild equity settlement (eliminating margining), re-architect repo markets, and tokenize new asset classes (peer-to-peer sports betting, securitized factoring receivables). The demo showcases Digital Asset\'s open-source "market in a box" — a 30-minute-deployable marketplace with investors, custodians, and an exchange running on Project Daimler (Digital Asset\'s devops-free cloud runtime) and integrated with partner Xberry\'s high-performance matching engine. A sample Bitcoin/Tesla trading pair shows DAML\'s ability to create, list, and settle any pair on the fly, with a live view of per-party database state, UUID-based privacy-preserving onboarding, and data-layer authorization that blocks wrong-party API calls at the ledger itself.
V-Sum Two
Supported by The Kauffman Foundation and Modern Treasury
Zach Kwartler
Zach Portler, product lead at Paxos, introduces Paxos as the regulated-custodian gateway between physical and digital assets, built for the multi-decade migration of $600T of assets from closed ledgers to public blockchains. Paxos is unusual in offering regulated custody and tokenization across four asset classes — crypto, cash, commodities, and securities — including USD-backed stablecoins (wire in, Paxos mints 1:1-redeemable tokens) and Pax Gold (PAXG), where tokenized gold balances on Ethereum are backed by physical gold in an unallocated account. This earlier briefing zooms in on the PayPal crypto partnership Paxos powers: the Paxos admin portal's signing ceremony for moving assets between banks and blockchains, and the four Paxos API endpoints PayPal uses under the hood (list-historical-prices for the chart, list-quotes to price a buy, create-quote-executions for the actual order, tickers for real-time holdings).
John Shammas
John, product lead at DriveWealth, demos DriveWealth — the brokerage infrastructure behind Cash App investing in the US, Revolut in Europe, and a long list of wallets across Africa, South America, India, and Southeast Asia. The demo uses a sample banking app with an $845 balance to show how a customer goes from pure checking to buying $50 of Starbucks stock without leaving the app. Because the bank already holds identity data, DriveWealth\'s onboarding only collects brokerage-specific disclosures (SSN confirmation, broker/politician questions) — creating a tax-and-regulator-ready brokerage account in seconds. The account.managementType flag switches between self-directed and managed (robo-advisor) flows on the same API surface. DriveWealth was the first to offer real-time fractional shares: a $50 market order for Starbucks is recalculated against the live price so users never over- or under-spend. Shares are stored to ten decimal places (inspired by crypto UX), enabling pennies-of-Berkshire orders. Live P/L, cost basis, and market value surface in both the partner app and DriveWealth\'s admin portal.
Peter Tapling & George Throckmorton
George (Nacha) and Peter demo Phixius — Nacha\'s business-focused data-services network for financial institutions, fintechs, and payment networks. Where consumer open banking addresses account holders, Phixius addresses the payment-provider side: exchanging data (ACH account validation, electronic payment information, etc.) between Credentialed Service Providers (CSPs) before a payment hits the rail. Phixius is point-to-point — no centralized storage, no give-to-get model. It combines standardized Nacha APIs with a blockchain/shared-ledger layer used for authentication, audit trail, and rule enforcement. Each request uses an authentication token that is effectively the address of a smart contract between the requesting CSP and responding CSP for that specific purpose. The demo runs two exchange services: an ACH account validation (routing + account → valid/invalid for Nacha), and an Electronic Payment Information exchange where Care-Free Catering at High-Rise Bank subscribes to payment info for Best Spreads at Low-Rise Credit Union — replacing the PDF-form email loop with an authoritative API exchange. A smart-contract subscription fires a notification when Best Spreads adds Zelle to their profile, proving the ongoing-update pattern.
V-Sum One
Supported by Finix , Routable and The Kauffman Foundation
Eli Polanco
Nivelo presents real-time ACH risk detection for payroll processors, ACH originators, and third-party senders. Instead of waiting the usual four-to-five-day ACH settlement window to find out a payment has failed, Nivelo's single API scores each debit and credit at the moment of origination — sub-second — combining identity, account, device, and behavioral signals into a machine-learned expected-loss score. The demo walks through a payroll processor flow (think ADP or Gusto) catching impersonation fraud at origination, triggering a real-time phone verification with the employee, and then exposing full score explainability in Nivelo's developer dashboard so ops teams can tune against false positives without a black-box model. Because Nivelo plugs in before the ACH batch file is built, it can act on richer payload data — payer/payee relationship, portal behavior, last account change — that the ACH network itself never sees.
Wade Arnold & Graham McBain
Wade Arnold (ex-Banno, Billgo) and Graham McBain present Moov — a thousand-strong open-source community that has shipped 37 low-level libraries covering the protocols that quietly move money through the US financial system: ACH, wires, image cash letter, Metro 2, IRS FIRE, ISO 20022, and ISO 8583. Wade walks through why none of this was open source before, how the libraries have been battle-tested against the full transaction volumes of Bank of America, PayPal, Square, and Visa, and why the community model beats every fintech writing its own parser from scratch (e.g., Square unifying seven different ACH implementations onto Moov). Graham then demos the Moov ACH library as a Docker image — curl a JSON payload in, get a NACHA-compliant ACH file back — and a WebAssembly-powered in-browser ACH parser that converts ACH to JSON without any data leaving your machine.
Matt Marcus
Matt Marcus, co-founder of Modern Treasury, walks through the Modern Treasury payment operations platform and demos real-time payments (RTP) over The Clearing House's rails. Modern Treasury is a third-party service provider that deliberately stays out of the flow of funds — one API and dashboard connecting into roughly a dozen corporate banks from JPMorgan Chase and Wells Fargo down to niche partners, across ACH, wires, EFT in Canada, Bacs in the UK, and proprietary formats like Silvergate's SEN. The demo races a $1 RTP payment to Matt's Chase and Bank of America accounts via the Payment Orders API, walks through the Postman call (amounts in cents, JPMorgan Chase as the originating bank, credit-only, $100k cap, no returns, synchronous success or failure), and closes with the Modern Treasury "dollar demo," where every viewer can pay themselves a real $1 over RTP if their bank supports receiving it.