I met Carl while traveling for an event this week. Over the next couple of days, we coordinated over text and got to talking. By the end of the trip, we’d moved past logistics and onto family and golf.
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Industry insights, product updates & more
ProductSending money is the easy part.
Getting your recipient to accept it, with their card details typed correctly, on a device that works, in a way they trust enough to actually finish? That’s where most disbursement programs quietly bleed time, support tickets, and goodwill.
CraftEvery millisecond matters when someone is about to pay you. When a customer lands on a payment page, they’re making a snap judgment before they ever click “Place Order.” Does this feel safe? Is this legitimate? That judgment starts with how fast the page loads. Users start wondering if their payment is secure, if the business behind the page is real, and whether they’ll actually get what they paid for.
ProductAt Moov, we’re committed to helping businesses move money faster, smarter, and with greater flexibility. As our customers scale, we’ve seen firsthand how their fund flow requirements evolve—and how quickly manual workarounds can become bottlenecks. We’re excited to announce the launch of multiple wallets, a new way for platforms and businesses to organize, track, and manage funds with precision.
When you open a new bank account, there’s usually one dominant emotion driving that decision: frustration. You’re fed up with your current financial institution. Maybe your account was mishandled, or you didn’t like the fees, or perhaps your bank just wasn’t meeting your needs. So, you decide to open a new account somewhere else.
Instant is becoming the new standard for virtually everything—including money movement. And it’s not just a matter of convenience. The ability to transfer and access funds in near-real time, 24/7/365, can solve cash flow challenges and open up new payments use cases and business models.
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As we approach our fourth year, fintech_devcon continues to redefine the conference experience. Founded on the vision of creating a relaxed, educational environment free from sales pitches, our event focuses on what truly matters: the developers shaping the future of fintech.
Moov is saving a lender a million dollars a year, but they’re thanking us for something else.
Before I tell you what that is, let me share a little story.
Lending is hard.
As a lender, you’re riding the ups and downs of interest rates, trying to mitigate risk, and dealing with numerous things that have nothing to do with underwriting loans.
I’ve never been more excited about payments than I am today.
Admittedly, after twenty years in the fintech and payments industry, I’ve seen a lot of the same problems over and over. Payments veterans have wrestled with the same challenges and heard a lot of empty hype about the “next generation” of [insert thing here] that was going to solve everything but didn’t.
Craft
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Every millisecond matters when someone is about to pay you. When a customer lands on a payment page, they’re making a snap judgment before they ever click “Place Order.” Does this feel safe? Is this legitimate? That judgment starts with how fast the page loads. Users start wondering if their payment is secure, if the business behind the page is real, and whether they’ll actually get what they paid for.
When architecting payment solutions, rigorous and extensive testing is not just beneficial, it’s imperative.
In November of last year, a significant Federal Reserve processing glitch impacted around 900,000 payment transactions across three major US banks. What’s worse is it occurred on a payday, disrupting the direct deposit of wages and resulting in widespread inconvenience and stress.
One of the most crucial ongoing discussions we have at Moov—and I suspect at most startups—is how to make decisions around priorities and resources.
If I were still using paper checks, I’d write the date as 2020, because the last few years have been a blur. Somehow the world feels both suspended in time while making giant leaps in innovation at break-neck speeds. And even though I’d put Moov in the latter category, it’s easy to lose sight of the big picture when you’re chasing the goals right in front of you
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From day one, Moov’s co-founders set out to make our organization remote-first. While they knew it would be a challenge, they believed it could help make Moov one of the best places anyone has ever worked. While there are a lot of advantages to being fully remote—from work-life balance and flexibility to recruiting talent from virtually anywhere—it can also make it harder for teammates to feel connected.
Here’s a core memory:
I’m about six years old, in the car with my dad, and he’s quizzing me on math. He has a master’s degree in petroleum engineering—very smart, very into math and science—so it was pretty normal for him to give me math lessons from time to time.
I’ve been interested in computers and technology since my family got its first Apple computer in the 90s. I spent my time creating LiveJournal themes in HTML, and being in awe of the Space Jam website (it was a very different time).
You know that weird, quiet kid in the back of the class? That was me. When I wasn’t nose-down in a dog-eared paperback, I was furiously writing stories in my wrinkly legal pad. Sometimes it was a sci-fi/fantasy epic, other times it was a blood-chilling tale of horror or a Twilight-Zone-ish vignette with a twist.
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I met Carl while traveling for an event this week. Over the next couple of days, we coordinated over text and got to talking. By the end of the trip, we’d moved past logistics and onto family and golf.
Sending money is the easy part.
Getting your recipient to accept it, with their card details typed correctly, on a device that works, in a way they trust enough to actually finish? That’s where most disbursement programs quietly bleed time, support tickets, and goodwill.
At Moov, we’re committed to helping businesses move money faster, smarter, and with greater flexibility. As our customers scale, we’ve seen firsthand how their fund flow requirements evolve—and how quickly manual workarounds can become bottlenecks. We’re excited to announce the launch of multiple wallets, a new way for platforms and businesses to organize, track, and manage funds with precision.
Processing XML in Go has traditionally involved repetitive code, runtime type assertions, and complex validation logic. Modern Go applications demand better: type safety, maintainability, and performance. I want to explore how Moov’s wire20022 library demonstrates a comprehensive approach to XML processing using Go generics, embedded structs, factory patterns, and idiomatic interfaces.
