Community banking is dying, but the need for it has never been more obvious. America had more than 8,000 community banks in 2000. Today, that number is closer to 4,100, and the count continues to fall...

For centuries, money has evolved through different formats. From barter → shells → gold → paper currency → digital banking → and now programmable dollars in the form of stablecoins. Stablecoins...

Over the last decade, fintechs leveraged banking as a service (BaaS) as a wrapper on top of bank infrastructure. Banks still held the deposits, startups just built better distribution. But the new...