The OwenPay journal

Notes on payments,
borders, and building.

Deep dives on cross-border payment infrastructure, stablecoin economics, and what we're learning while building OwenPay.

How stablecoin payouts work, in plain English

If you've heard 'stablecoin' a hundred times and still aren't sure what it means, this is for you. No jargon, no hype, no buzzwords.

We traced where the money actually goes when you send a $1,000 wire to a contractor in Mexico. The number is worse than you think.

Cross-border payments are the most painful problem hiding in plain sight. Here's what we saw, and what we're building.