Bits about Money

About the modern financial infrastructure that the world sits atop of.

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Latest Posts

A window into modern loan origination

Patrick McKenzie (patio11) · 10 Oct 2025

Open Banking and payments competition

Patrick McKenzie (patio11) · 13 Aug 2025

Two Americas, one bank branch, and $50,000 cash

Patrick McKenzie (patio11) · 5 Mar 2025

Contributors

Patrick McKenzie (patio11)

I write on tech, finance, and the wonky geekery that underlies the modern world. I built four software companies and America's shadow vaccine info infrastructure. I am an advisor at Stripe.

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