Incentives shape behavior. Design shapes experience.

In doing so, it erased flexibility without offering a viable alternative.

In theory, banks should own B2B payments. They already serve the customers. They manage the accounts. They control the rails. No player is better positioned—on paper. But in practice, it’s platforms

Unlocking hidden credit and turning supply chains into predictable cash-flow engines

Innovation that adds complexity is not innovation. It's just a more expensive detour.