Insights

Insights.

Partner-facing writing across four pillars. Integration and architecture (CTO-first, how the control plane fits your stack). Compliance and regulation (responsibility model, Travel Rule, MiCA and VARA lanes). Infrastructure economics and partner success (build-vs-buy, TCO, partner retros). Market and category (where programmable finance is heading).

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Latest articles

Infra economics · Spreadsheet-ready

Build vs buy: the honest math for a financial control plane.

Year-one TCO modelled three ways. Illustrative figures: in-house (~€1.8M-€2.5M), several specialist vendors (~€420k-€780k), one control plane (~€200k-€280k). Full assumptions so you can challenge the numbers before the CFO sees them.

OVAAL·9 min read

What's next on the calendar

One technical post every two weeks. Founder and CTO rotation, plus a monthly founder-voice piece on category direction. Up next:

  • "MiCA Article 4 for infrastructure vendors". Compliance deep-dive, counsel-reviewed.
  • "Travel Rule at the €1,000 threshold: what your EU TFR policy actually needs to do". Compliance and regulation pillar.
  • "State of Web3 finance infrastructure, mid-2026". Category report.
  • "Ramp success rates: what the ~50% single-ramp failure gap actually looks like". Infra economics.

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