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      "title": "The 150-pound computer",
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      "description": "What 'computer' means once cognition itself becomes programmable",
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      "title": "Fintech's moats don't compile",
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      "year": "2026",
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      "description": "Fintech moats don't behave like software moats. What actually compounds",
      "summary": "Software people assume fintech moats work like software moats: code, distribution, network effects. They don't. The post explains why fintech moats live in different places (risk pricing, regulatory permission, balance-sheet trust) and what that means for software-first builders entering fintech.",
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      "title": "Vertical software already won the context graph",
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      "description": "Risk in fintech can't be destroyed. It transfers until someone owns it",
      "summary": "An argument that risk in fintech behaves like energy in physics: it can't be created or destroyed, only transferred between counterparties. The piece walks through how risk-transfer pricing determines who bears what, why most fintech businesses are fundamentally in the business of repricing risk, and where the durable economic margins concentrate.",
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