Skip to content
main
Straddle 101 - Internal
  • Pages
    • main
      straddle
      • TL;DR
      • Embed
        • main
          Regulatory Structure
        • Weave (KYB Decisioning)
      • Strategy
      • Press Release
    • Big ideas '25
      • Manifesto
      • Communication
        • Open doors
      • Engineering @ Straddle
        • Engineering Values
        • Building @ Straddle
          • Discovery->Delivery
          • Linear Guide
            • Projects
            • Issues
            • Workflows
          • Templates
            • Project Template
            • Short PRD
            • Concise Issue
            • Detailed Issue
      • main
        Company Memo
        • 2025 Strategy
          • Ideal Customer Profile
            • Personas
            • Compound Startup
          • icon picker
            Straddle Public Library
            • Payments vs Transfers
            • APIs as ladders
            • How to avoid breaking APIs
              • Breaking changes in JSON APIs
            • How to: Friction Logs
            • Enterprise sales meets product development
          • Payment Systems
            • ACH
              • ACH Basics
              • Flow of Funds
              • ACH Primer
                • Why do businesses choose ACH?
                • ACH vs wire transfers: what’s the difference?
                • What is Nacha and is your business compliant?
                • What is an ACH debit?
                • What is direct debit?
                • What is ACH credit and how does it work?
                • How does an ACH deposit work? A behind the scenes look
                • How an ACH transfer works: a complex process explained
              • Nacha Quick Reference Guide
                • ACH Returns Quick Reference
        main
        Straddle 101 - Internal
        /
        Straddle Public Library
        Share
        Explore

        All the things
        Article
        Sector
        Site
        Credit Suisse: Payments, Processors, & FinTech: If Software Is Eating the World…Payments Is Taking a Bite
        Mckinsey: The $100b oppty in SMB payments
        Open Banking Payments and how to accelerate 'Pay by Bank' adoption
        Bain: Opportunities in embedded finance
        Overview of US A2A Payment Rails & Use Cases
        Envisioning the Future of Money Movement
        How FedNow and faster payments will impact U.S. fintech
        How to make money in payments: price and shape risk
        Vertical Operating Systems and Embedded Fintech
        Payfac in 1000 words
        Third Party Sender vs Third Party Service Provider
        TLDR on AML/BSA
        Fintech from first principles
        Global Fintech 2023
        Living Landscape: Fintech Infrastructure
        The Five Waves of Fintech
        API Routing Layers in financial services
        Bank Transfers as a Payment Method
        4D Chess in Card Payments (least cost routing)
        Interchange in 1,000 words
        Payment Processing in a Nutshell: Core Concepts Explained
        https://paymentshandbook.substack.com/p/payment-processing-in-a-nutshell
        The Payments Layer Cake
        Disintermediating traditional banking, in real-time
        Faster payments with FedNow
        FedNow: Game changer for US Consumer Payments
        The innovation of the Payment Facilitator (PayFac) model
        Vertical APIs
        Interchange is a burning platform
        Three layers of KYC
        Guide to Payment Card Fraud
        What is the flow of funds
        Open Banking
        Nacha: ACH Guide for Developers
        Cross-border payments
        ISO 20022 for dummies
        Tokenisation, The ApplePay payment process, and mobile wallet growth
        Money Services Business (MSBs) and Money Transmitters
        FFIEC BSA/AML Intro
        FFIEC IT Exam Handbook
        FFIEC Cybersecurity Awareness
        Unit 21 Blog: AML Transaction Monitoring Rules
        Unit 21: AML Compliance Checklist
        FTC: Fraud Report
        FFIEC Outsourcing Technology Services
        CFPB Bulletin: Service Providers
        https://files.consumerfinance.gov/f/201204_cfpb_bulletin_service-providers.pdf
        ACH Risk Management Guidance
        Third-Party Relationships Risk Management
        ​
        ​
        EFTA and Reg E for Fintechs
        Reimaging the Future of Finance
        Revenues in Financial Features: a Complete Guide for Tech Companies
        Fintech and regulatory arbitrage
        Banks, middlewares and Unit: making sense of banking infrastructure
        Fintech Infrastructure 101 - Overview & Market Landscape
        The default banking-as-a-service platform will be developer-first
        B2B payments aren’t payments, they’re workflows
        Brief history of Credit Cards: for Consumers and Retailers
        Payment Cards Deep Dive
        The Merchant Payment Process, Revoloopholes and the Mandela Effect
        There are no rows in this table
        ⁠

        External Files
        Article
        Sector
        File
        Relevance
        Unit21: Fraud Fighters Manual
        FraudFightersManualbyUnit21.pdf
        Allow: State of Fraud Benchmark Report
        2024-State-of-Fraud-Benchmark-Report_Alloy.pdf
        CFPB Consumer Laws & Regulation
        CFPB Consumer Laws.pdf
        Electronic Signatures Act
        Manual.pdf
        ​
        There are no rows in this table
        ⁠

        Gallery
         
        Want to print your doc?
        This is not the way.
        Try clicking the ··· in the right corner or using a keyboard shortcut (
        CtrlP
        ) instead.