About the author

I've worked in payments and clearing for 13 years, at commercial banks and at financial market infrastructure operators. My work covers payment and clearing systems, central bank digital currency, cross-border payment interlinking, and how fintech is applied in these areas, mostly in business architecture, solution design and product design. That work has kept me close to payment system architecture, clearing rules and industry policy, and over time I got into the habit of writing them up.

I started Luminale Fintech Observer for a simple reason: payment clearing has a high barrier to entry, and there isn't much systematic material about it online. Through a set of structured columns, I want to turn my experience and industry observations into notes people can refer to, so newcomers can build the basics and experienced practitioners can find a different angle.

Right now I'm most interested in digital currency, cross-border payments and stablecoins. The articles are organized by column. Some cover the industry fundamentals I've picked up over the years, and others look at recent industry and regulatory developments and explain how I read them. I keep facts separate from my own views and cite my sources.

“Luminale” takes its root from the Latin word for “light”, reflecting the intention to illuminate the complex and obscure corners of financial technology.

If you'd like to talk, pitch a piece, or point out a mistake, email me at admin@luminale.cn.