fintech
4 free lessons tagged fintech across Business. Each one is a short sequence of focused steps with narration and a five-question quiz at the end — take them in any order, no signup required.
The GENIUS Act, Risk, and the Honest Limits
The 2025 GENIUS Act turned stablecoins from an unregulated experiment into a defined instrument with reserve rules, permitted issuers, monthly attestations, and a ban on paying holders yield. This lesson covers what the law requires, why the yield ban shapes the whole business model, and the risks the rules do not remove.
Stablecoins in Business Payments and Treasury
Cross-border business payments are slow and expensive for structural reasons: correspondent banking, trapped pre-funded capital, and messaging that is not settlement. This lesson explains why, what stablecoins actually change, how tokenized treasuries and deposits fit, and how to read the eye-watering volume statistics honestly.
What a Stablecoin Is, and Why the Peg Holds
A stablecoin is a claim on an issuer that trades at a dollar because you can redeem it for a dollar. This lesson builds the mechanism: the mint-and-redeem arbitrage that enforces the peg, why reserve composition is the whole game, and what the USDC depeg and the Terra collapse each proved about how pegs actually break.
How Banks Use AI: Fraud, Credit, and Customer Service
Banking runs on data and decisions at massive scale, which is why it was one of the earliest and heaviest adopters of AI. Learn the main ways banks use AI, fraud detection, credit and underwriting, customer service, anti-money-laundering, and personalization, and the caveats unique to finance: fairness in lending, the need to explain decisions, and heavy regulation.