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Artwork for Todd H Baker's Fintech and Banking Blog

Todd H Baker's Fintech and Banking Blog

Todd H Baker

The Substack of Todd H Baker, fintech and banking executive, academic and lawyer

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Substack
PricingOnly free issuesPublishesMonthly
Issues64SubscribersRead toddhbaker.substack.com

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Latest Issues

Recent posts by this newsletter. Browse the email archive.

Upstart Bites the Bank Charter Bullet

Upstart announced today that it was applying for a national bank charter. Bully for them—this is an inevitable but positive development for an excellent company that has worked hard to make fairly-priced loans to more people.

15 days ago
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1

The Clarity Act, Stablecoin Yield and the Chinese Crypto Bogeyman

We can all take comfort from Donald Trump’s ability to keep his eye on the ball. He has the unique ability to take time off from things like promoting his Iran war and discussing interior decorating choices for the White House ballroom to f...

15 days ago
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Quick Thoughts on the Kraken Fed Master Account

Today we received a surprise Kansas City Fed decision to give some kind of Fed master payments account to crypto broker Kraken through Kraken’s State of Wyoming Special Purpose Depository Institution (SPDI).

21 days ago
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1

Are FinTechs and Banks Converging?

I wrote something for a conference last summer that I think will be of interest to many of my readers. It’s now 5 months out of date, but still relevant.

2 months ago
3
0

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Authors

The writers behind this newsletter.

  • Todd H Baker

    Banking strategist, deal guy, lawyer, investor and academic teaching Fintech. Senior Fellow at Richman Center for Business, Law & Public Policy at Columbia Business and Law Schools. Progress in Finance is Circular.™

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