Borderless
How money moves across borders, and the rules changing around it. Written by a cross border payments insider.
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What you get
Every week, the stories that change how your money crosses borders: new bank checks, stablecoin rules, card fees, crackdowns, and who's quietly winning the payments race.
Each one comes with the part the headlines skip, which is what it means for you when you send, receive or hold money in more than one country.
No investment tips and no hype. Just how the system works and where it's going.
Global news
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The US drops its plan to track crypto sent to private wallets
Since 2020 the US had a plan to make apps like Coinbase report transfers over $10,000 to private wallets. It dropped it. In Europe, the exchange already makes you prove the wallet is yours above €1,000.
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The EU writes down the questions every bank has to ask you
AMLA, the EU's new anti money laundering authority, set out the checks every bank will run on new and old customers, and when your file gets updated.
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Visa, Mastercard and Stripe launch their own digital dollar
Open USD shares the interest behind the coins with 200 partners, which gives every one of them a reason to push it.
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The Fed proposes rules that make stablecoins almost as safe as a bank
A real dollar behind every coin, your money back within two business days, and no interest just for holding it.
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Swift tests payments abroad with just a phone number
The old banking road gets faster, and the banks get back in the race against the apps.
Case studies
Cross border payments, taken apart: where the money got stuck, why, and what got it moving again.
Who writes it
Hi! I'm Adrian.
I've been in finance my entire career. I started as a licensed financial advisor, then moved into building sales teams, and fintech is where I ended up.
At Revolut I helped build the sales teams across the UK, Europe and APAC. Today I'm building the sales team at Currency.com, where I work with people and businesses that move money across borders.
I see what happens to those payments from the inside, which checks stop them, and which rules are about to change. Borderless is where I write it down.