Zac Townsend

Why Agentic AI Needs a Credit Infrastructure, Not Just a Payments Layer

Process vs data: who wins in the vertical AI race

Know Your Enemy: How Three Years at McKinsey Shaped My Second Startup

Idiot to insider: the basics of building a life insurer

The 100-Year Startup: Life insurance and abundance

Winning the AI application layer will require vertical business models

Empathy on entrance price: Bridge.xyz and Astranis

Digital Only: The Challengers Taking on Big Banking in the UK

Fintech in the US is stymied by old-fashioned regulators

Let's Get Organized and Fix Housing Affordability in San Francisco

Building a Fair and Functioning San Francisco Together

Broken Promises: The Housing Market in San Francisco (And Ten Ideas to Fix It)

Does the California Fair Pay Act Go Far Enough?

California Should Take Its Business to Community Banks

Analyzing Some (Miscited) Entrepreneurship Research

Standard Treasury Joins Silicon Valley Bank

What Business Is Square In Exactly?

Standard Treasury's Series A Pitch Deck

My Brief Time Fighting Human Trafficking

Why I am Switching To Posthaven

Standard Treasury as a Startup Bank

Standard Treasury as Bank

My Mental Health Story: Depression, Plagiarism, and Analysis

Losing 58 Lbs For Science

Building the Next Generation of Financial Infrastructure

Mental Health, Trauma, and Startup Founders

Founders and Mental Health

APIs, App Stores, and the Era of Mass Customization in Banking

Startup Banking's Looming Leviathan

Going Through Y Combinator (S13): Nine Lessons Learned