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 as Co-Founder, COO, and Board Member. 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
The Resonance Hypothesis
Just published. 11 pages on what AI reveals about consciousness. Includes a 22-minute audio version. The piece I have been wanting to write for years.
The Long Game · LinkedIn newsletter
Long-form on agentic payments, on LinkedIn. Where the autonomous settlement stack is heading, and the calls I am making in public.
Canonicalization Beats Workflow
Long-form essay tying the operator trilogy together. The pattern that ties Pulse, Concord, and NACHA Native to a single mechanism.
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 Board Payment System Policy Advisory Committee
Contributor, focused on healthcare remittances. Where the rules that NACHA Native enforces actually get drafted.
NACHA Healthcare Payments Advisory Group + HIMSS working groups
Contributor to the NACHA Healthcare Payments Advisory Group. Contributor to HIMSS working groups on healthcare data interoperability and payment standards. The seats that turn the Aegis identity-layer thesis into a spec the rails can recognize.
Board and advisory
Finexio board (Co-Founder & COO). Strategic advisor at PayZen, Zelis Payments, Finalytics, and CirraGroup. Selective on new advisory and open to one outside board seat.
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.