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Curated insights and technical field notes on Open banking.
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The CFPB finalized US open banking under Section 1033 in October 2024, a federal court enjoined enforcement a year later, and the rule is now back in reconsideration. The data layer that survives that whiplash is the deliverable, not the API. Build for reversals, not launch day.
Lead essay
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01 / Payments
Merchant-of-record decisions, checkout ownership, billing operations, settlement, reconciliation, and risk boundaries.
02 / AI tooling
Agentic commerce, multi-agent orchestration, model fine-tuning, runtime governance, and production deployment.
03 / Build notes
The design, architecture, and operating decisions behind Doric Stack products as they move from prototype to public release.
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