Paul Thomalla - Bitesize Payments

Ask not what you can do with your money — ask what your money can do without you. New episode + essay: Programmable Value. 🎧 podcasts.apple.com/us/podcast/pro… 📖 bitesizepayments.substack.com/p/programmable…

Governments still control taxis. But taxis aren't where the action is anymore. That's the sovereignty problem with digital money. Episode 2 of Bitesize Payments: Digital is out now. 📖 bitesizepayments.substack.com/p/the-sovereig… 🎧 podcasts.apple.com/gb/podcast/bit…

Your iPhone is just a very nice entrance to tunnels full of carts. Money became information 50+ years ago. Nobody rewrote the systems. That's what Episode 1 of Bitesize Payments: Digital is about. 🎧 podcasts.apple.com/gb/podcast/bit… 📖 bitesizepayments.substack.com/p/episode-1-th…

New in The Curriculum of Payments 201: Cross-Border Payments. What they are, how they work, and why they're the most complex payment type there is. 👇 bitesizepayments.substack.com/p/cross-border… #Payments #CrossBorderPayments #BitesizePayments

Crypto was the red pill — money doesn't need banks. CBDCs are the blue pill — governments saying it does, on their terms. The Curriculum of Payments: what CBDCs actually are, who's building them, 100+ countries. This is happening now 👇 bitesizepayments.substack.com/p/cbdcs-centra…

The Curriculum Of Payments RTGS. The payments system for the grown-ups. High value. Final. Irrevocable. No netting. No “later”. This is how central bank money actually moves. 👇 bitesizepayments.substack.com/p/rtgs-real-ti… #TheCurriculumOfPayments #Payments #RTGS

The Curriculum Of Payments Cash was once king. Not dead. Still used. Still trusted. But when cash fails, there’s no recovery — a side we rarely discuss. 👇 bitesizepayments.substack.com/p/cash-still-k…

The Curriculum Of Payments When did you last write a cheque? They’re still around — and they’ve been going since 1659. Cheques weren’t about paper. They were about instruction, authority & trust. 👇 bitesizepayments.substack.com/p/cheques-or-c… #TheCurriculumOfPayments #Payments

The Curriculum Of Payments Next rail: 201 The What – Cards. Both types. “Country and Western.” Not just plastic — a global payments network built on trust, standards and scale. bitesizepayments.substack.com/p/cards #TheCurriculumOfPayments #Payments

The Curriculum Of Payments Realtime. Always-on. Not batch rewritten. Not “faster ACH”, but decimating ACH volumes as they move to IP. A different infrastructure logic — settlement in seconds, finality at confirmation. bitesizepayments.substack.com/p/immediate-pa… #TheCurriculumOfPayments #Payments

he Curriculum Of Payments 101 ✅ Foundations 201 ✅ The Who (stakeholders + who does what) Now we pivot to 201: The What — the rails. Cards, ACH, RTGS, instant payments… the plumbing that actually moves money. bitesizepayments.substack.com #TheCurriculumOfPayments #Payments

The Curriculum Of Payments Fintechs disrupt… until they scale. Then they become platforms—sometimes the new rails. 201 “Who” closer: fintechs in today’s ecosystem. bitesizepayments.substack.com/p/fintechs-the… #TheCurriculumOfPayments #Payments #Fintech

The Curriculum Of Payments Banks are the invisible network. “Banking is necessary, but banks are not.” — Bill Gates Banks seem to be doing OK. bitesizepayments.substack.com/p/banks-the-in… #TheCurriculumOfPayments #Payments

The Curriculum Of Payments Corporates are where payments are used by the adults: payroll, suppliers, treasury, FX + reconciliation. Certainty. Control. Visibility. Low risk. bitesizepayments.substack.com/p/corporates-t… #TheCurriculumOfPayments #Payments

The Curriculum Of Payments Citizens are the super users. They want: it works, fast, safe (low friction), choice, and protection when it fails. bitesizepayments.substack.com/p/201-the-who-… Next: Governments. #TheCurriculumOfPayments

Payments isn’t just tech — it’s language. The words we use still reveal how the system was built. New BiteSize Payments 101: The Etymology of Payments bitesizepayments.substack.com/p/bitesize-pay… #Payments #FinTech #Banking #PaymentSystems

I've built what I believe is the payment industry's first complete education curriculum What is money, really? And how is it different from currency or payments? free, agenda-free education on how the system actually works. 🔗 bitesizepayments.substack.com/p/bitesize-pay…

Payments 101, Episode 1 How did payments really begin? It’s an 8,000-year story. Episode 1 of Bitesize Payments 101 is live. No agenda. No politics. Just clear education. 🔗 bitesizepayments.substack.com/p/bitesize-pay…

In this episode, I explored the foundational concepts behind the terms money, currency, payments, and legal tender. open.substack.com/pub/bitesizepa… #payments #cryptocurrency #cbdc