DD3 Media

Have you actually looked at where stablecoins are going? Or are you still treating them like a niche topic? “stable coin usage has the opportunity to fundamentally change the banking system” — Dave Glaser, CEO, Dwolla Tedd Huff, CEO of Voalyre, sat down with Dave Glaser, CEO of Dwolla, and this one stands out. Most people still think stablecoins are only about cross-border. That’s way too narrow. This is about how money moves everywhere. Faster. Cleaner. More visible. 📍 Instant settlement across transactions   📍 Full visibility into money movement   📍 Traceable flows for better control   📍 Reduced dependency on traditional rails   📍 Real-time access to funds  I think people are underestimating the speed here. Once businesses see the efficiency, adoption will follow. And when it does, systems will need to adjust quickly. So here’s the question. Are you preparing for this shift or waiting to react? #Stablecoins #Fintech #Payments #OpenBanking #Crypto #RealTimePayments #Finance #Blockchain #FintechConfidential #Voalyre Tedd Huff DD3 Media Voalyre Fintech Confidential

Do you know what usually catches companies off guard? It’s when the thing they talked about for years finally becomes routine. Tedd Huff asked Nik Milanović, Founder of This Week in Fintech and Stablecon, to look ahead two or three years. What came back was a view that cuts against a lot of hype. Nik Milanović of This Week in Fintech and Stablecon said, "we'll be sitting here in 3 years thinking 'Wait that's it.'" That quote is strong because it feels likely. A lot of major shifts stop looking dramatic once they become useful, repeatable, and part of the normal flow of business. That may be exactly where stablecoins are headed. The real story may be less about headlines and more about banks, fintechs, and payment teams adjusting to a new default. 📍 Stablecoin adoption may feel sudden after a slow build 📍 Everyday finance may absorb blockchain quietly 📍 Market leaders will likely be the prepared operators 📍 Customer expectations may change fast once usage spreads 📍 Boring systems can still create major business change Tedd Huff and Nik Milanović get to something important here. You don’t need a flashy consumer moment for a real market shift to happen. You just need enough institutions using the new model until it becomes standard. Do you think your company is preparing for stablecoins as a headline, or as a coming default? #Fintech #Stablecoins #Blockchain #Banking #CryptoPayments #CrossBorderPayments #PaymentInfrastructure #TreasuryManagement #LeadersOneOnOne #TeddHuff #NikMilanovic #Voalyre #ThisWeekInFinTech #Stablecon Tedd Huff DD3 Media Voalyre Fintech Confidential

Are you collecting customer data, or are you actually learning what one person wants next? That’s a very different question. In this Fintech Confidential, Leaders One on One episode, Tedd Huff, CEO of Voalyre, talks with Mamta Rodrigues, Chief Client Officer of Banking at TP, about the part of AI and data strategy that gets skipped way too often. Mamta Rodrigues, TP, said: “Data is the power to know what Tedd likes.” Simple line. Big implication. A lot of financial services teams still think in segments, averages, and product buckets. Mamta brings it down to the person level. That shift changes everything. When you know what someone likes, you can shape outreach, timing, product fit, and service in a way that feels useful. That’s where customer experience improves. That’s where AI in finance starts to earn its keep. Tedd Huff has a way of pulling this into plain English, and Mamta Rodrigues, Chief Client Officer of Banking at TP, answers from real operating experience. That makes this conversation worth your time. 📍 Preferences matter more than broad categories 📍 Timing matters as much as content 📍 Product fit starts with known behavior 📍 Personalization should reduce friction 📍 Better insights should lead to better offers Here’s the hard truth. If your team says “we know our customers,” but can't name the signals behind that claim, you probably know less than you think. And if your AI pilot isn’t improving relevance, people will feel that fast. What customer preference is your team still guessing at instead of actually knowing? #AIinFinance #AIinBanking #Fintech #Banking #Payments #CustomerExperience #Personalization #DataAnalytics #FinancialServices #TeddHuff #Voalyre #FintechConfidential #LeadersOneOnOne #TP Tedd Huff DD3 Media Voalyre Fintech Confidential

Why would a fintech pick a Category Bank when bigger BaaS names get more attention? That question matters more than people think. Tedd Huff, Founder & CEO of Voalyre, and Stephen Bishop pulled out a point that deserves a closer look in Fintech Confidential. David Robinson, of Academy Bank, answered it in plain English: "we're committed to it and and they will see that from the first call." That kind of answer lands because fintech founders want more than a name they recognize. They want a banking partner that shows consistency early, stays engaged, and keeps moving when the work gets real. A lot of teams talk about scale right away. Academy Bank is talking about commitment, practicality, and a working relationship that can actually hold up under pressure. 📍 Clear commitment from the first call 📍 Practical thinking around growth 📍 Flexibility when a partner shows real progress 📍 Steady support through the build process 📍 Faster response on change requests I think that's why this clip stands out. Tedd Huff, Stephen Bishop, and David Robinson of Academy Bank are pointing to something founders feel fast in sponsor bank conversations: does this bank really want to do the work with us? If you're building in banking as a service, fintech partnerships, sponsor bank programs, or embedded finance, this is the kind of insight that helps you ask better questions before you sign anything. And honestly, that can save a lot of pain later. So here's the question: when you evaluate a bank partner, do you care more about brand familiarity, or about clear commitment from day one? #BankingasaService #SponsorBank #EmbeddedFinance #FintechPartnerships #CommunityBank #RegionalBank #FintechCompliance #BaaS #InsideTheVault #FintechConfidential #AcademyBank #Voalyre #TeddHuff #StephenBishop Tedd Huff DD3 Media Voalyre Fintech Confidential

What happens when a business pays six figures for compliance help, then ends up exposed the next day? That’s exactly what pushed Clym into building something very different. Michael Williams, Co Founder and CFO of Clym, told Tedd Huff, Founder and CEO of Voalyre, on Leaders One on One with Fintech Confidential: “we hired a consulting firm we paid them $100,000 and the day after our consulting engagement ended we found ourselves out of compliance.” That line should make every small business owner pause. Honestly, it’s the kind of story that sounds painful because it’s so easy to picture. You hire experts. You write the big check. You assume the hard part is handled. Then the rules shift, the requirements pile up, and you’re back in the same stressful spot. This episode, 78% of ADA Lawsuits Target Small Business, gets into why website accessibility, privacy compliance, and regulatory risk can’t be treated like a one-time project. Tedd Huff keeps the conversation plain and practical, which is why this one lands so well for founders, fintech operators, SaaS teams, and anyone worried about ADA compliance. Here’s the part I think business owners need to hear. Compliance software needs to be simple enough for a real team to use without calling a developer every time something changes. 📍 ADA website compliance is becoming a small business risk issue. 📍 Privacy compliance can’t sit in a forgotten folder. 📍 Accessibility requirements need real operational follow-through. 📍 Wiretapping consent rules are showing up in more conversations. 📍 A unified compliance system can reduce the daily guesswork. Michael Williams explains how Clym moved from privacy into accessibility, then into wiretapping and other regulatory needs because customers kept asking for help. That’s the useful part. The product grew because the market was already feeling the pressure. If you run a website, sell online, collect user data, or depend on traffic from Google, YouTube, LinkedIn, or Instagram, this conversation is worth your time. It’s practical. It’s direct. And yeah, it might save you from a very expensive surprise. What’s the one compliance issue you think small businesses underestimate the most? #FintechConfidential #TeddHuff #Voalyre #Clym #MichaelWilliams #ADACompliance #WebsiteAccessibility #PrivacyCompliance #ComplianceSoftware #SmallBusiness #Fintech #SaaS #RiskManagement #FounderLessons #BusinessCompliance Tedd Huff DD3 Media Voalyre Fintech Confidential

Why does AI feel powerful… but nothing really changes? What’s actually blocking progress? “we'd start solving like little problems… but they weren't the biggest problems” — Dave Glaser, CEO, Dwolla Tedd Huff, CEO of Voalyre, sat down with Dave Glaser, CEO of Dwolla, and this hit hard. Most teams start with AI the wrong way. They chase small wins. They automate easy tasks. And they miss the real opportunity. The big problems stay untouched. 📍 Automating Slack tasks instead of core workflows   📍 Optimizing SDR steps without fixing pipeline flow   📍 Solving surface issues, not structural ones   📍 Still needing to hire as you grow   📍 No real change in scalability  I think this is where teams get stuck. They feel progress. But nothing actually moves. If your hiring needs don’t change, your system didn’t change. So let me ask you. Are you solving real problems or just easy ones? #AI #Automation #Fintech #BusinessStrategy #Leadership #Startups #Growth #AItools #ProcessImprovement #FintechConfidential Tedd Huff DD3 Media Voalyre Fintech Confidential

What happens when a bank asks the one question you didn't prepare for? Tedd Huff, CEO of Voalyre, and Stephen Bishop pulled out a point that probably deserves more attention in fintech banking partnerships. David Robinson of Academy Bank kept it simple, and honestly, that's why it hits. He said, "be honest," David Robinson, Academy Bank. That sounds basic. It isn't. A lot of fintech teams spend months on product, pitch, and growth plans, then walk into a bank conversation without a real answer for the risk, compliance, and business model questions they should have seen coming. That creates doubt fast. Inside this Inside The Vault episode, Tedd Huff and Stephen Bishop press on something every founder should hear before chasing a sponsor bank deal with David Robinson of Academy Bank. The issue usually starts before launch. It starts in the first serious conversation. If your team hasn't pressure-tested its own plan, a regional or community bank will spot that almost immediately. You can feel it. 📍 Know your business plan cold 📍 Prepare for hard questions early 📍 Expect the bank to view risk through a different lens 📍 Stay open when feedback challenges your assumptions 📍 Show that your team can handle scrutiny I think this is one of the clearest fintech podcast clips on banking as a service, sponsor bank partnerships, and fintech compliance that founders can actually use. No fluff. Just real guidance. If you're building in BaaS, embedded finance, or bank partnership sales, this is the kind of advice that can save months. Tedd Huff, Stephen Bishop, and David Robinson of Academy Bank are talking about readiness, and readiness is usually what separates the teams that keep moving from the ones that stall. So here's the real question: are you preparing for the bank meeting, or just hoping the meeting goes well? #BankingasaService #SponsorBank #EmbeddedFinance #Fintech #FintechPartnerships #BaaS #CommunityBank #FintechCompliance #BankingPartnerships #InsideTheVault #AcademyBank #Voalyre #TeddHuff #StephenBishop Tedd Huff DD3 Media Voalyre Fintech Confidential

What happens to traditional small business lenders if earned revenue becomes mainstream? Does the ecosystem shrink? Or does it adapt? On Leaders One on One by Fintech Confidential, Tedd Huff, CEO of Voalyre, asked Bo Jiang, Co-Founder and CEO of Lithic, that exact question. His response was clear. “It evolves entirely I think industries are adaptable and you know this is this is a huge change but I think it it'll be evolutionary” — Bo Jiang, Lithic. That’s not panic. That’s perspective. Bo sees earned revenue access as an industry shift, not a collapse. Here’s what that signals: 📍 Lenders won’t disappear, they’ll adjust   📍 Revenue data becomes core to underwriting   📍 Infrastructure must support real-time liquidity   📍 Compliance still matters, maybe more than ever  Ariel Blum, Founder and CEO of Receive, built his model around earned revenue for one reason, small businesses already generated the cash. The issue is timing. I think we’re entering a phase where small business cash flow management becomes the center of fintech conversations. And if you’re building in payments, embedded finance, or card issuing, this shift affects you. Are you preparing for an evolutionary change, or waiting for disruption to hit you? #Fintech #SmallBusinessLending #CashFlowManagement #EmbeddedFinance #RevenueBasedFinancing #PaymentsInfrastructure #SMBFunding #StartupFounders #LeadersOneOnOne #FintechConfidential Tedd Huff DD3 Media Voalyre Fintech Confidential

What does it mean when the two most trusted card networks keep leaning into stablecoins? On Web3 with Fintech Confidential, Tedd Huff sits down with Keith Vander Leest, US General Manager at BVNK, to unpack what these network moves mean in the broader payment market. Keith Vander Leest, US General Manager at BVNK, said, "It's another payment rail." That is a simple line. It is also the line a lot of people need to hear. Trust matters in North America. Visa and Mastercard have spent years earning it, so when they keep testing and supporting stablecoin activity, payment teams pay attention. 📍 Stablecoins are being viewed through a payment rail lens 📍 Trust still shapes adoption in North America 📍 Network support helps reduce hesitation 📍 Payment leaders are watching practical use, not just headlines Tedd Huff keeps the conversation grounded in what operators care about. Keith Vander Leest of BVNK brings it back to payment infrastructure, which is exactly where this discussion belongs. If stablecoins are another rail, what has to happen before your team treats them like one? #Fintech #StablecoinPayments #Visa #Mastercard #PaymentRails #AgenticCommerce #CrossBorderPayments #CryptoPayments #FintechConfidential #TeddHuff Tedd Huff DD3 Media Voalyre Fintech Confidential

Think your QuickBooks file can save you in an audit? What happens when the IRS asks for proof that your bookkeeping can’t fake? Tedd Huff, Founder and CEO of Voalyre, got into a sharp point with Janna S., CEO and Founder of DeFi Tax, on Web3 with Fintech Confidential. It hit a nerve for a lot of founders, honestly. Most business owners believe a clean profit and loss statement will carry the day. It probably won’t. Janna S., CEO and Founder of DeFi Tax, said, “They want the bank statements that come directly from the bank.” That line matters. It tells you exactly how the IRS thinks. QuickBooks is useful for running your business. It is still something a person can edit, recategorize, and clean up after the fact. That’s why source records carry more weight when an audit starts getting serious. 📍 Bank statements show the money trail 📍 Invoices show what was billed 📍 Receipts show what was actually paid 📍 Matching records show consistency 📍 Adjusted journal entries raise extra questions if support is weak Tedd Huff kept the conversation practical, and Janna S. made the point plain: if your records don’t match across systems, you’re giving an auditor room to push harder. That’s a bad spot to be in. If you run crypto, Web3, or any fast moving finance operation, this gets even more important. You may have more wallets, more transfers, more vendors, and more chances for your books to drift away from your source files. Save this post if you’re the person who gets asked for “just one more report” at tax time. Then send it to the founder who still thinks QuickBooks is the full audit file. What’s the one record your company would struggle to produce today? #FintechConfidential #Web3WithFintechConfidential #TeddHuff #JannaScott #DeFiTax #CryptoTax #IRSAudit #QuickBooks #TaxCompliance #Bookkeeping #SmallBusinessTax #CryptoAccounting #Web3Finance #Fintech #FounderTips