Michael Carter

Michael Carter

Michael writes about fintech strategy and operations for FintechSpecs, covering pricing models, banking-as-a-service, payment infrastructure, and the tools fintech founders use to scale. He focuses on the decisions behind the stack, not just the stack itself.

7 Best Stablecoin Card Platforms in 2026

7 Best Stablecoin Card Platforms in 2026

The best stablecoin card platforms in 2026 are Rain, Kulipa, Nium, Alchemy Pay, Kast, Spend, and Crypto.com’s business card infrastructure. Each takes a different approach to the settlement model, network access, and geographic coverage. Rain and Kulipa are the clearest…

9 Best Stablecoin On/Off-Ramp Providers for Fintechs in 2026

9 Best Stablecoin On Off Ramp Providers for Fintechs in 2026

The best stablecoin on-ramp providers for fintechs are Bridge (for US-first corridor depth and API-first design), Zero Hash (for institutional compliance and white-label flexibility), Coinbase Pay, Stripe’s fiat-to-crypto onramp, Alchemy Pay, Sardine, Onramper (as an aggregator layer), Conduit, and BCB…

Metronome vs Orb vs Lago for Usage-Based Billing

Metronome vs Orb vs Lago for Usage Based Billing

For usage-based billing, Orb is the best fit for companies with complex, multi-dimensional pricing who need a full billing stack. Metronome fits sales-led teams managing enterprise contracts and usage commits. Lago fits engineering-heavy teams who want open-source control, self-hosted data…