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Silicon Valley and real-time payments

Few places know the value of a real-time response like Silicon Valley and that’s a big reason I’m thrilled about today’s FiSync announcement.

Banking is one of those prerequisites to do business, pay taxes, pay employees and just about everything else.

Every company in the valley has basic access to the same similar tools from their bank. Some banks have better interfaces, services, or API’s that drive customers with a technology focus but none of those banks have previously offered open access to a network that let people transact like you can on the Dwolla network.

BBVA did that today and made it available to anyone who banks with them.

To transact instantly without using a plastic card or a 16 digit account number on a set of real-time rails was sort of a dream. When we started working on FiSync we heard more than a few times that it would just remain a dream until it was mandated.

The benefits are pretty obvious:

  • Remove sensitive information.
  • Move the money instantly, no waiting.
  • Access it through the web and without being a payment expert.
  • Build new software on top of it without having to worry about rebuilding the infrastructure.

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What I’m reading this weekend

Knowing I had a long flight today and I actually thought ahead and saved a few articles to read. I thought some of you may find them interesting as well. Each one has a nice little gem somewhere in it.



The most unique cafe in the world

I had a perfect Sunday morning. My wife and I did what we’ve always done on Sunday. We find coffee and a copy of the New York Times.

When we’re lucky we end up at Waveland Cafe in Des Moines. When we’re in San Francisco that typically looks like Le Garage.

If you’ve been to both you already know these are drastically different places. If I had to pick one I’d always pick Waveland.

The experience at Waveland is like none other. There’s no reservations, there’s no waiting list, there’s no place to put your name down and there’s always a line.

That line is always run by the patrons waiting, which through some shared respect we’re all dying to show one another, the line functions seamlessly as if there is some silent overture quietly guiding us to act the way people are supposed to act. Continue Reading

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