Writing on self-custody, the real cost of card payments, Solana and the economics of everyday money, from the team building DYNK.https://www.dynk.ioen-gbhttps://www.dynk.io/blog/why-400ms-settlement-changes-moneyhttps://www.dynk.io/blog/why-400ms-settlement-changes-moneySub-second finality isn't a faster version of the same thing. It removes the reason most payment infrastructure exists, and makes new kinds of payment viable.Mon, 24 Aug 2026 00:00:00 GMTsolanaSolanaSettlementPaymentsInfrastructurehttps://www.dynk.io/blog/why-billions-still-cant-open-a-bank-accounthttps://www.dynk.io/blog/why-billions-still-cant-open-a-bank-accountThe unbanked aren't unbanked because they're poor, they're unbanked because the account itself costs too much to run. What Global Findex 2025 shows.Mon, 24 Aug 2026 00:00:00 GMTwalletsFinancial inclusionBankingRemittancesSelf-custodyhttps://www.dynk.io/blog/what-is-an-on-device-ai-agenthttps://www.dynk.io/blog/what-is-an-on-device-ai-agentA finance assistant is only useful if it sees everything, which is exactly why it shouldn't run on someone else's servers. How local inference works.Sun, 23 Aug 2026 00:00:00 GMTproductAI agentsPrivacyOn-device AIData sovereigntyhttps://www.dynk.io/blog/who-should-own-payment-datahttps://www.dynk.io/blog/who-should-own-payment-dataCard networks and banks quietly sell what you buy. The data has real value, the question worth asking is why none of it reaches the person who generated it.Sun, 23 Aug 2026 00:00:00 GMTproductData sovereigntyPrivacyPaymentsAdvertisinghttps://www.dynk.io/blog/seed-phrases-were-a-mistakehttps://www.dynk.io/blog/seed-phrases-were-a-mistakeTwelve random words became crypto's universal security model almost by accident. Here's why that's cost users billions, and what's replacing it in 2026.Sat, 22 Aug 2026 00:00:00 GMTsecuritySelf-custodySeed phrasesSocial recoveryWallet securityhttps://www.dynk.io/blog/the-real-cost-of-card-paymentshttps://www.dynk.io/blog/the-real-cost-of-card-paymentsA card sale costs a merchant roughly 2-3%. Here is where each slice of that actually goes, who sets it, and why no one at the table can negotiate it down.Sat, 22 Aug 2026 00:00:00 GMTmerchantsPaymentsInterchangeMerchantsFeeshttps://www.dynk.io/blog/crypto-payments-for-small-businesshttps://www.dynk.io/blog/crypto-payments-for-small-businessWhat crypto payments for small business actually cost against card and Eftpos fees, why almost nobody pays in crypto yet.Fri, 21 Aug 2026 00:00:00 GMTmerchantsMerchantsSmall businessPaymentsFeeshttps://www.dynk.io/blog/custodial-vs-non-custodial-walletshttps://www.dynk.io/blog/custodial-vs-non-custodial-walletsCustodial vs non-custodial wallets comes down to one question: can anyone but you move the money? How to tell which you hold, and what it costs you.Fri, 21 Aug 2026 00:00:00 GMTwalletsSelf-custodyCustodyWallet securityExchanges