Fintech
The plumbing of modern money — from card swipes to instant payments and digital banks.
Start with
- Fintech · Beginner
What is fintech?
What the word covers, how fintech apps plug into banks, and which protections change.
Every explainer in Fintech
- Fintech · Beginner
Digital banks vs traditional banks
Licensed bank or app with a partner bank? What it means for deposit insurance and failures.
- Fintech · Beginner
Buy now, pay later (BNPL) explained
How pay-in-four works, what late payments cost, why stacking loans matters, and the new UK rules.
- Fintech · Beginner
What is a CBDC?
Digital money owed by a central bank: how it differs from deposits and stablecoins, and who is building one.
- Fintech · Beginner
Robo-advisers explained
How automated investment advice works, what it really costs, and how to check the firm.
Terms used in this section
Glossary A–Z →- APR vs APY
Simple rate versus compounded yield, with the official formula and a worked example.
- Bid-ask spread
The gap between buy and sell prices, and how to turn it into a cost you can compare.
- Interchange fee
The per-transaction fee paid to the card issuer, with US and EU caps worked through.
Other sections
All sections →Crypto Basics
What crypto is, how blockchains and wallets work
02Networks & Ecosystems
Bitcoin, Ethereum, Solana, layer 2s and smart contracts
03DeFi
Decentralized exchanges, lending, oracles and their risks
04Stablecoins & Payments
How dollar-pegged tokens work and where they break
06Markets & Macro
Inflation, interest rates, ETFs and how markets move
07Regulation
Who regulates what: SEC, CFTC, MiCA, AML rules and tax basics