Waypoints
Notes from My Journey Along the Way
recent posts
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The Hidden Economics Behind Your Credit Card Rewards
Credit card rewards may feel like free money, but every point you earn sits within a complex web of fees and incentives. Behind each tap, merchants, issuers, and networks exchange data and value in ways most people never see. This piece looks at the hidden economics that make rewards possible, and the trade-offs built into…
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A Peek Behind the Card Tap: How Payments Actually Work
Quick disclaimer: this is not a professional industry guide. It’s simply my personal take from my time working at a payment company. I’m sharing it because I know how confusing payments can feel when you’re just getting started, and maybe my notes will help someone build a mental model of how it all works. Let’s
Waypoints 