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Writing from inside the infrastructure. Sub-ledger design, FBO account mechanics, KYB for SMBs, payment rail selection, and the practical realities of adding treasury to a vertical SaaS product without building a bank.
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NCR, Worldpay, Greenlight, SilverSun — Atlanta's fintech roots run deep. Here's why we chose Atlanta as the home for a BaaS infrastructure company.
The sub-ledger is what makes embedded finance products possible at scale. Most SaaS teams have never built one. Here's what a good one actually looks like.
Know-Your-Business is non-negotiable when you hold customer funds. But the data collection requirements are different from consumer KYC — and the failure modes are expensive.
Same-day ACH, RTP, FedNow — three rails with very different latency, cost, and adoption profiles. Here's how to pick the right one for your SMB vertical.
Most SaaS founders have heard the term "FBO account." Few know exactly what it means, who holds the money, or what compliance obligations come with it.
Treasury products are the highest-margin feature a vertical SaaS can add. But "adding treasury" turns out to mean building a compliance and infrastructure stack most SaaS teams have never built before.
