Merchant Onboarding
Merchant onboarding is where growth, risk and compliance share the same surface. These essays cover KYC/KYB automation, risk tiering and the activation funnel.
Case studies
Automated merchant onboarding pipeline, KYC/KYB, UBO discovery, sanctions and PEP screening, risk-tiered decisioning with full audit trail. Activation cut from weeks to hours; manual review load down 70%.
Identified, value-modeled and deployed 4 production GenAI solutions across merchant integration support, incident auto-escalation, partner support automation, and a fraud/AML AI pilot with a major banking partner.
Essays · 10
KYC and Conversion Designed Together
Splitting KYC from conversion produces the worst of both: friction that does not reduce risk, and risk that does not justify the friction.
Onboarding Conversion vs. Default Rate: The Real Tradeoff
Conversion and default rate are not enemies. They are two sides of the same product surface.
Risk Tiering Merchants Is a Product Decision
Tiering is the single most leveraged product decision in a payments platform. Most teams hand it to risk and never recover.
KYB Automation Without Blowing Up Risk
Automated KYB is not about removing humans. It is about putting them where they actually add risk-adjusted value.
Merchant Onboarding: Where Growth, Risk and Compliance Collide
Three teams own onboarding. The merchant only sees one experience. That gap is the product.
Settlement Windows and Merchant Trust
Merchants do not churn because of fees. They churn because of settlement uncertainty.
GenAI in Fintech: 4 Production Use Cases That Actually Ship
Most fintech AI work in 2026 is still demos. These four use cases are not, they're running in production at $1B+ TPV across five regulated markets.
RAG for Merchant Integration Support: A Production Playbook
RAG is the right starting architecture for merchant integration support, but only if the corpus is curated, the citations are mandatory and the fallback paths are designed before launch.
Crypto On-Ramps: A Product Guide for Banks and Fintechs
A crypto on-ramp is a payments product, not a crypto product. The hard parts are KYC tiering, sponsor liquidity, FX exposure and Travel Rule, not the wallet integration.
Stablecoin Payments in 2026: Where USDC, USDT and Bank-Issued Stables Actually Fit
Stablecoins are quietly winning the B2B cross-border settlement use case. They are still losing consumer acceptance. The interesting product work is at the boundary.