Now
What I'm working on right now
Updated in place when the work shifts. The convention is Derek Sivers' /now. Last update .
Day job · ~90% of my hours
- Finexio Phoenix
The 2026 pivot to Agentic Payments OS. Supplier Agents, Exception Agents, AP Agents. The full-time seat. Most of my hours, most of my conviction.
On the side · in discovery
Two ventures I'm taking calls on. Selective and time-boxed. The Finexio seat comes first.
- Aegis Authorize
Taking calls with operators, payers, issuers, and rail partners about the missing identity primitive between agents and bank rails. The standards-body conversation is moving and I have a seat there.
- Concord Remit
Same canonicalization pattern from my decade at Change Healthcare, applied to B2B remittance reconciliation. Talking with mid-market AR teams on NetSuite and Intacct migrations.
Writing
- Canonicalization Beats Workflow
Long-form essay tying the trilogy together. Just published. The pillar piece.
- Authorization Without Identity
Why agentic commerce can already initiate payments while the settlement layer still expects a human.
- The Last Invoice (book)
Third book in the agentic payments stack series. Chapter 1 is on-site.
Standards & advisory
- Federal Reserve faster-payments working group
Active contributor since 2011. Where the rules that NACHA Native enforces actually get drafted.
- NACHA + HIMSS contributions
Standards-body seat that turns the Aegis identity-layer thesis into a spec the rails can recognize.
- Strategic advisory
PayZen, Zelis Payments, Finalytics, and CirraGroup. Selective on new advisory.
Not working on
- The other six ventures
Apex, Clearing, Ledger, Vault, Pulse, NACHA Native. Published essays. Pattern recognition I want in the open. Not options on me.
- Open speaking calendar
Selective on new speaking. Existing engagements through Q3 are full. Press kit has the booking path if relevant.
The honest read on bandwidth
I am running Finexio for the next 24 months. After that I expect to operate one of the discovery ventures. Most likely candidate is Aegis Authorize. The other six ventures listed on this site are not options on me. They are theses I would happily watch someone else run, including with my time and capital where it helps.