Money101
KYC and AML: Identity and Compliance
An overview of Know Your Customer (KYC) and Anti-Money Laundering (AML) processes, explaining how institutions verify identity and monitor transactions.
How Payment for Order Flow (PFOF) Works
An explanation of Payment for Order Flow (PFOF), the business model behind 'free' brokerage trading, and its impact on trade execution quality.
Stablecoin Neobanks: Crypto-Native Banking
How stablecoin neobanks work, including on-chain ledgers, off-ramps, card settlement, and the tradeoffs versus bank deposits.
Robo-Advisors: Automated Investment Management
A definition of robo-advisors, explaining their automated management mechanisms, cost structures, and how they differ from traditional financial planning.
Why FX Is the Real Cost in Remittance
Why foreign exchange (FX) markups often drive the total cost of remittances more than the advertised fee.
FX Risk: Managing Volatility in Remittance Systems
An examination of foreign exchange (FX) risk in international money transfers, detailing mid-market spreads, settlement windows, and stablecoin mitigation.
APR vs. APY: Interest Rate Calculation
A walkthrough of Annual Percentage Rate (APR) and Annual Percentage Yield (APY), explaining how compounding frequency affects results.