Hi fintech friends,

In-keeping with our "10 reads" theme, here are the 10 Signals writeups from last year that got the most engagement.

Want to add to the list in 2025? Reply to this email, let us know what you want to write about, and we'll send it out to 150,000+ fintech enthusiasts.

Also, if you're interested in the stablecoin ecosystem, check out Day Zero, a virtual conference I'll be moderating brought to you by the team at Brale*:

I'll be back from the honeymoon the week of Jan 13th. Until then, enjoy the reads!

  1. Plaid: Stitching Together the Future of Finance, by Jas Shah

  1. TWIF Index FTW by Jevgenijs Kazanins

  1. The Stablecoin Revolution: Replacing BaaS as the New Infrastructure Layer, by Helghardt Avenant

📺

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  1. The lost art of “F*ck around and find out”, by Jake Gibson

  1. What’s in your wallet?, by Sophie Vo

  1. PayPal: A Fintech OG rejoining the Fastlane, by Jas Shah

  1. Why is there so much idea recycling in fintech? (by yours truly)

📺

Sponsored Content

It’s a New Year and a New Era for Fintech. If you’re ready to take the leap and start a business or are ready to supercharge your startup, Restive Ventures is ready to help. They’re pulling together leaders from across the industry for a free event for founders in San Francisco on Feb 5th. Apply to join and Go Restive! https://www.gorestive2025.com/

  1. Transforming tweets into transactions with MTLs, by Snigdha Kumar

  1. "Fintech is back" has become the consensus, by Jevgenijs Kazanins

  1. The stablecoin adoption journey: how (and why) fintechs are integrating stablecoins, by Chris Harmse

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