







James Grant invited me to address the annual conference of Grant's Interest Rate Observer . This was an intimidating prospect, the previous...
Join Us At The 4th Collaborative Finance Gathering
Join us at the 4th Collaborative Finance Gathering from 21-28 June 2026 at the Commons Hub in Hirschwang an der Rax, Austria

QuestU 203: What Investors Want?
Guest session for QuestU 203 class in Squamish, taught by Gal Smolar.

Interledger Foundation (@Interledger@interledger.social)
Attached: 1 image Applications are now open for the Digital Financial Services Grant. Selected financial service providers may receive USD 350,000 over 18 months to integrate Rhyza (the evolution of Rafiki) and Open Payments, participate in interoperable payment networks, and test digital financial services with real users and partners. 🔗 Learn more and apply: https://interledger.org/grant/innovation/financial-services/ #Interledger #DFSGrant #GrantOpportunity #OpenPayments

Just-In-Time PM #2: The Fundamentals of Flow - Forte Labs
In Part 1, I introduced Return-on-Attention (ROA) as a way to evaluate how we invest our most precious resource – our attention. But there is a key difference between investing money and investing attention. Units of currency are always uniform and interchangeable. Units of attention, on the other hand, are not at all created equal.

Consumption Response to Credit Expansions: Evidence from Experimental Assignment of 45,307 Credit Lines
In a field experiment that constructs a randomized credit limit shock, participants borrow to spend 11 cents on the dollar in the first quarter and 28 cents by the third year. Effects extend to those far from the limit, those who had the new limits as available credit, and those with a liquid asset buffer. In the short-run, flexible and installment contracts are used in tandem, with unconstrained using installments more. Long-run borrowing is predominantly using installments. Near limits, participants borrow when credit expands but save out of constraints when limits are tight. Findings support a buffer-stock interpretation emphasizing precautionary saving.
Jim Prosser on Twitter / X
Ask: "I've got $12,000 spread across three credit cards racking up interest. What can I do?"Agent: Calculates interest costs, checks hardship options/balance transfer offers, drafts requests to issuers, and builds a realistic repayment schedule.— Jim Prosser (@jimprosser) October 8, 2026
Collection Agency: A More Inconspicuous Coin Category
A deep dive into the world of tokens.

MMT Primer
 The posts from the MMT Primer series have been collected and organized into Randy's latest book, Modern Money Theory. It makes for a much more coherent read and is highly recommended for

SparkToro Raised a Very Unusual Round of Funding & We're Open-Sourcing Our Docs - SparkToro
The Short Version Our new company, SparkToro, LLC has just completed a $1.3mm angel financing. And, because we think our structure might be right for many

Ten more unintuitive things about impact philanthropy fundraising
some more lessons I’ve learned, for the $free.99

Graph: How the Financial Sector Consumed America’s Economic Growth
Last Tuesday, The Century Foundation was honored to host Alan Blinder, renowned economist and recent editor (alongside Andrew Lo and Robert Solow) of

Here's the updated "Funding Models Are Not Binary" slide from my Feature/Product/Business talk #ATmosphereConf. Turns out there are even more great examples already in the Atmosphere!
Here's the updated "Funding Models Are Not Binary" slide from my Feature/Product/Business talk #ATmosphereConf. Turns out there are even more great examples already in the Atmosphere!
I couldn’t discuss this during #AtmosphereConf, but I’m thrilled to announce today that @eurosky.social is acquiring @bsky.app. This acquisition is made possible by a 1.5 billion euro grant from the European Union as part of the New Frontier program. 🦋🇪🇺
Otipêy | Indigenous-Led Investment Platform

How to Finance Community-Led Solutions (SSIR)
Driving Finance for Sustainable Food Systems: A Roadmap to Implementation for Financial Institutions and Policy Makers
Founders Hub | Transform Finance