today's a big day, absolutely elated.
1) why financial infrastructure? who cares?
- banks hold the license and outsource their infra
- any third party who wants to improve financial services are limited by infrastructure providers
- infra is defined by technology standards

2) Power of publicly available standards drives evolution
- build/publish/iterate on the standard in OSS
- standards cut across the industry
- standards mitigate proprietary interpretations
- look to UPI, SEPA, BACS, SPEI as payment standards that once published drove innovation

3) Power of transparent development
- developer die inside when building to (yet another) proprietary implementation of a standard built decades ago
- outdated implementations driven by older technologies, scoped by a few folks with decisions that made sense decades ago

4) Together, all boats rise
- Community drives questions, iterations, improvements
- There are non-opinionated "right ways" = standards
- Everything else is opinionated implementations
- Let's unleash the collective power when we unlock, publish and iterate on standards together

5) Infrastructure verse Proprietary analogy
- KB Homes: functional, predictable, get what you pay for
- Home Depot: tools, materials, everything you need to build your dream home
- One offers an off-the-shelf experience, the other offers limitless potential for your dream home