Opinion

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Finance

Credit Unions Are Losing the Only Race That Matters

Credit unions poll better, charge less, and earn genuine loyalty. But their shrinking institutional base and dependence on rented fintech tell a different story about where your money is safest over the next few years.

By Marcus Cole · 3 min read

Finance

The OCC's Stablecoin Yield Ban Will Create the Exact Shadow System It Claims to Prevent

The OCC's proposed anti-evasion framework for stablecoin yield follows the same script as Regulation Q's deposit rate caps. The money didn't stay then, and it won't stay now. The only difference is that the exits are global and instant.

By Ray Vega · 3 min read

Finance

Banks Fleeing the Cloud Tells You More About Cloud Hype Than Cloud Reality

86% of CIOs planned to move cloud workloads back on-premises in the Barclays 2024 survey, the highest on record. Banks are calling it a correction. It's really a very expensive lesson about all-or-nothing thinking, and your money already has the right answer baked in.

By Sadie Park · 4 min read