Guides
How to document and escalate a digital finance complaint
A digital finance complaint works when the record names the entity, the transaction and the correction you want, then follows the right regulator.
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Guides
Guides
Fintech consumer protection guide: terms, errors, complaints, privacy, and records
A fintech consumer protection guide to account terms, Regulation E and other dispute rules, CFPB complaints, privacy notices, and records to preserve.
Guides
Finance account takeover response: reporting losses by rail
After an account takeover, sort card, ACH and wire losses by rail, report each under the rule that covers it and keep one incident log per payment.
Guides
Digital finance security guide: identity, authentication, fraud, and recovery
Identity proofing, authentication, transaction authorization, fraud detection and recovery each answer a different question about a finance account.
Guides
How to verify a stablecoin claim and custody arrangement
Check the token contract, the legal claim, the reserve report and who holds the keys before you treat any stablecoin balance as money you can get back.
Guides
Crypto and stablecoin guide: a layer-by-layer overview
This crypto and stablecoin guide explains how tokens, reserves, redemption, custody, transfers, and risk fit together, and what to check before acting.
Guides
How to compare digital loan terms before accepting
Compare digital loan terms before accepting by checking proceeds, APR, total cost, payment fit, late-payment terms, early payoff, and final contract changes.
Guides
Fintech lending guide: from application to payoff
A fintech lending guide to tracing a loan from application through approval, funding, repayment, servicing, credit reporting, and payoff.
Guides
How cross-border transfers from the US to Mexico and Canada settle
US to Mexico and Canada cross-border transfers settle through different rails, spreads, FinCEN rules, and partner banks that decide when money lands.
Guides
FedNow and RTP compared for US instant transfers
FedNow and RTP compared for US instant transfers: how the two rails differ on timing, fees, bank eligibility, limits, and why transfers fail or get held.
Guides
FDIC vs NCUA insurance for app balances and brokerage cash
FDIC vs NCUA insurance for app balances: what the $250,000 limit covers, how pass-through rules work, and why brokerage cash and SIPC are different.
Guides
How to revoke finance app data access
Map each connection, revoke finance app data access at the app and bank, request deletion separately, and keep proof of the result.
Guides
Open banking guide: consent, APIs, aggregators, permissions, and data flows
Open banking connects your accounts to apps through consent, tokens and aggregators, and each layer holds different rights over your financial data.
Guides
CFPB Complaint Data Finance App Guide: What to Check
A CFPB complaint data finance app guide shows how to assess complaint volume, company responses, resolution, and database limits before sign-up.
Guides
How to Check CDIC Coverage Before Parking Cash in a Canadian Fintech App
Check CDIC coverage Canadian fintech apps claim, and learn which member institution holds your cash, which category applies, and what to ask before you deposit.
Guides
Compare Fintech Savings APY Fees: One Example
Compare fintech savings apy fees using a net-yield method; mid-2024 rates: Marcus 4.40% APY, Robinhood Gold Cash 5.00% APY, and a $5 monthly Gold subscription.
Guides
Is Early Direct Deposit a Payday Loan? How a Neobank Advances Your Paycheck
Early direct deposit finance app risk starts when payroll timing slips. Here are the failures that stay hidden for months, and how to prevent them.
Guides
Fintech Money Transmitter License Lookup Before You Deposit
Use a fintech money transmitter license lookup to verify an app’s entity, state status, sponsor bank, and questions to ask before depositing.
Guides
Bank transfer guide: ACH, wire, instant payment, and internal transfer rails
Bank transfer guide to ACH credits and debits, wires, instant payments, internal transfers, timing, settlement, fees, returns, and transaction records.
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Card payment guide: authorization through settlement
Card payment guide to authorization, capture, clearing, settlement, posting, and merchant funding, plus how to read pending and posted card entries.
Guides
Bank transfer controls for paying a supplier, step by step
Bank transfer controls for paying a supplier: write the payment line, verify changed details by phone, test, split roles and reconcile before closing out.
Guides
Digital account guide: banks, nonbanks, balances, insurance, and access
A digital account guide to naming the entities behind an app, reading a balance label, and checking what insurance and access actually cover.
Guides
Digital payments guide: money, messages, ledgers, clearing, and settlement
This digital payments guide explains U.S. payment rails, messages, ledgers, clearing, settlement, balances, fees, and who may hold your funds.
Guides
Digital wallet guide: Credentials and payment flows
A digital wallet guide to how credentials, devices, payment acceptance, stored balances, merchant cards, and crypto keys differ.
Guides
How to Read a Card Transaction Record
A card transaction record shows its status, dates, amount and descriptor. Learn how to match the entry to receipts and recognize holds, reversals and refunds.
Guides
Set Up Mobile Wallet Safely: General Setup and Audit
Set up mobile wallet safely: secure your phone and account, verify a card, test a purchase, respond to unauthorized use, and repeat a device audit.
Guides
How to trace a digital payment's status
Trace a digital payment's status by preserving records, matching references and timestamps, checking ledger entries, and escalating the exact missing stage.
Guides
Verify the bank behind a finance app: a BankFind check
Find the bank named in a finance app's terms, then check it in FDIC BankFind by legal name or certificate number before you rely on any insurance claim.