Recent field notes.
KYB without friction.
Every business onboarding that takes longer than 60 minutes is a process problem, not a regulatory one.
Why we shipped multi-currency before anything else.
Single-currency wallets force users into FX taxation by stealth. We started with three for a reason.
Notes on partial unique indexes.
Why we use Postgres partial unique indexes for cards and applications — and how they prevent an entire class of duplicate-issuance bugs.
Money apps should feel like notepads.
A design philosophy: less arcade, more document. Why every interaction in BINKPAY is calm by default.
A spread, not a surprise.
The transparent FX model behind BINKPAY conversions, and why hidden markup is the single worst tax on small businesses.
The OTP flow we ship to production.
A walk-through of the BINKPAY card-reveal flow: rate limits, replay defence, audit logging, and the trade-offs we accept.
One thoughtful
post a week.
No more.
Engineering deep-dives, product principles, and compliance notes — direct from the BINKPAY team. No spam, no growth hacks, no clickbait.