🧱 Foundations That Could Only Go So Far For nearly five decades, CRUD — Create, Read, Update, Delete — has been the foundational pattern for building systems. And for its time, it made perfect sense. In the era of limited memory, expensive storage, and batch-based computation, optimizing for direct record manipulation was not
After two years of building from first principles, I’m ready to share a new way to think about financial systems — one that reframes what we’ve long accepted as complexity. I didn’t set out to “build a platform” or “start a company.” I set out to answer a
“Despite all of its fast computers and credit derivatives, the current financial system does not seem more efficient at transferring funds from savers to borrowers than the financial system of 1880.” — Thomas Philippon, NYU Let that sink in. Finance has witnessed a century and a half of technological revolutions. Yet
When we began this series, we posed a simple but profound question: What if the software finally caught up to the complexity of finance? We introduced Visibility and the RADD design approach not as incremental improvements, but as a complete reimagining—a system that resolves the architectural deficit in financial