Money101
Why FX Is the Real Cost in Remittance
The posted remittance fee is only part of the price. The World Bank's average total cost was 6.36% of the amount sent in its August 2025 update.
Robo-Advisors: Automated Investment Management
A robo-advisor builds an ETF portfolio from a questionnaire and rebalances it. Many charge 0.25% to 0.50% of assets a year.
Cross-Border Money Transfers: Mechanisms and Speed
An explanation of the mechanics behind international payments, from messaging and settlement to local payout rails.
Prediction Markets: Trading on Outcomes
A prediction-market contract pays a fixed amount, often $1, if the event happens. The price is the market's implied probability.
Why Yield in Stablecoin Products Is Not Free
Stablecoin yield is paid by lending, trading, or reserve income. It is not FDIC-insured bank interest, and the payer can stop.
How Stablecoin Systems Interact with the Banking System
Fiat-backed stablecoins mint against bank reserves and redeem back into bank deposits. The GENIUS Act sets a 1:1 reserve test for permitted U.S. issuers.
How Correspondent Banking Works
An explanation of the legacy cross-border payment system, including Nostro/Vostro accounts, SWIFT messaging, and settlement mechanics.