The library. Ungated.

Research, playbooks and conversations published by the companies building payments. Filter by format or topic.

Report2 Sept 2026

State of Embedded Finance 2026

Findings from Lumen Rails' annual survey of software companies running card, account and payout programs, with a focus on instant payouts, sponsor-bank oversight and ledger discipline.

Lumen Rails 22 min

Report19 Aug 2026

ISO 20022 Data Quality Report: Structured Addresses, LEIs and Remittance

Gantry Messaging's analysis of anonymized message traffic shows where banks and corporates still lose data and what that means for upcoming address requirements.

Gantry Messaging 18 min

Case Study8 Jul 2026

Passkeys at Checkout: A Fashion Retailer's Returning-Buyer Experiment

An online fashion retailer replaced password and one-time-code sign-in with passkeys for returning buyers. The experiment changed conversion, support volume and account-takeover rates.

Loomcart 9 min

Podcast10 Jun 2026

Tap to Phone Goes Mainstream: What Acquirers Learned in Year Three

Tapwell's product lead and a merchant-acquiring executive discuss SoftPOS economics, PIN on glass, device attestation and why micro-merchants are only half the story.

Tapwell 42 min

Press Release20 May 2026

Halcyon Settlement Network Adds Six Stablecoin Settlement Corridors for B2B Payments

New corridors connect Europe with markets in Asia-Pacific, the Middle East and Latin America, with fiat in and fiat out and ISO 20022 reconciliation data.

Halcyon Settlement Network 4 min

Webinar15 Apr 2026

From Open Banking to Open Finance: What PSD3 and the PSR Mean for Your Roadmap

Tributary's regulatory and product leads unpack the EU payments package, API performance expectations, and how the US data-rights debate is shaping product plans.

Tributary Open Finance 60 min

White Paper12 Mar 2026

Running Every Rail at Once: An Architecture Guide to ISO 20022 Payments Hubs

Why banks are collapsing separate wire, ACH, instant and cross-border engines into one message-native hub, and the design decisions that make or break the migration.

Switchyard Payments Hub 14 min

Podcast4 Feb 2026

The Seconds Before Send: Designing Scam Interventions That Work

A conversation on why generic warnings fail, what behavioral signals reveal a coached payment, and how banks are tuning friction as reimbursement rules shift liability.

Lodestar Signals 38 min

Webinar22 Jan 2026

Beyond the PAN: Network Tokens, 3DS2 and the Authorization-Rate Playbook

A practical session on moving card-not-present volume onto network tokens, using SCA exemptions responsibly, and reading authorization data by issuer.

Ferrous Pay 55 min

Case Study9 Dec 2025

How a Regional Grocery Wholesaler Recovered Interchange Downgrades with Level 3 Data

A cash-and-carry wholesaler selling to restaurants discovered most of its commercial-card volume was clearing at a higher rate than necessary. Here is how it fixed that.

Northwind Settle 8 min

White Paper18 Nov 2025

Injection Attacks and the Next Phase of Remote Identity Verification

Presentation attacks put something fake in front of the camera. Injection attacks skip the camera entirely. This paper explains the difference and the layered defenses onboarding teams need.

Cipherleaf ID 12 min

Press Release7 Oct 2025

Keystone Ledgerworks Launches Verification of Payee API for Platforms and Marketplaces

Platforms that initiate SEPA transfers on behalf of users can now run payee name checks and show the four standard outcomes inside their own interfaces.

Keystone Ledgerworks 4 min