A Better Financial Core Isn’t Obvious — Until You See It

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 basic question:

Why, despite decades of tech innovation, does the financial world still operate in a fragmented, error-prone, and impossibly brittle way?

I didn’t expect where the path would lead. But once I began pulling on the threads — architecture, process, reconciliation, cost structures, organizational behavior — I saw something I hadn’t seen before.

And now I can’t unsee it.

🚪 A Window into What’s Coming

We’re at a rare convergence:

• AI is no longer just inference — it's explanation, generation, and guidance.
• Hardware is no longer the bottleneck — memory, compute, and bandwidth have scaled.
• Software models — Python, event engines, temporal models, streaming — are mature.
• Domain modeling is finally understood as the foundation, not the garnish.

These forces are converging.

And when they do — as with any tectonic shift — the surface fractures.

That’s not bad news.

That’s the opening.

🔧 What I’ve Been Building

Rather than describe the architecture now (that’s for future posts), I’ll just say this:

I believe I’ve built a blueprint for a next-generation financial information platform — one that fundamentally restructures how investment firms process, reconcile, and derive financial results.

It’s not a dream.
It runs.
It’s fast.
It’s simple in principle.

And it challenges assumptions that have been baked into infrastructure for decades.

Most importantly, it’s a working model—one with the core infrastructure already built, that can be demonstrated and validated, and is ready to be scaled with the right team, partner, or strategic backer into such a modern platform.

💥 The BOOM: Chat Speaks Finance

In the process, something else emerged.

I gained insight into the profound potential for humans to collaborate with AI—not by asking it to mimic us, but by giving it the right foundation to think alongside us. I saw that if a system is architected properly, AI can be leveraged to uncover new paths of innovation that were previously invisible.

One of the foundational pieces needed to unlock that?

A financial query language built for domain fluency.

So I created one.

Then I filed a provisional patent:

“Chat Speaks Finance” — a method that links a modern financial query language with AI-powered access to contextual reference data, enabling reporting, processing, and validation that are intelligent by design.

This changes:

• How reports are written
• How systems are queried
• And eventually… how financial software gets built

📚 What to Expect From This Series

This blog won’t be about product updates.
It won’t sell.

It will explain.

I'll cover:

• Why financial intermediation hasn’t become cheaper
• What the real source of system complexity is
• Why truth, not transactions, must be the core design objective
• How reconciliation becomes a feature — not a burden
• And how AI fits naturally after that foundation is rebuilt

🙋‍♀️ If You’ve Felt It Too...

If you’ve worked in financial infrastructure and sensed the pain is deeper than bad code...
If you’ve seen modernization efforts fail again and again...
If you know spreadsheets aren’t the answer — but can’t yet say what is...

This space is for you.

There’s something better coming.

I’ve spent two years building it.

Now I want to talk about it.

“Nothing is obvious until it becomes obvious.”
— Me, channeling Yogi Berra

Let’s start making it obvious.

🚀 A Word on Vision — and Invitation

I believe what I’ve built is a blueprint for the next generation of financial infrastructure.

But let me be clear:

This isn’t about my blueprint being the only one.

The truth is, blueprints come in different colors — but the foundation, the structure beneath them, can be shared.

And that’s the point.

I’m not here to monopolize the outcome. Quite the opposite.

This is first-mover territory, and like any architectural revolution, the value will flow fastest to those who recognize the shift early—and act.

I want to see software vendors extend their offerings with this logic at the core.
I want to see infrastructure players reinvent themselves around a modern blueprint.
I want to see institutions in-source with confidence, not confusion.

Because once you see the underlying shift —
not just in code, but in how we structure and derive meaning from systems —
you realize this isn’t a threat to incumbents.

It’s a new ecosystem forming.
And the opportunity will belong to those who help shape it.

And if we do this right, we don’t just build better systems —

we reignite the spirit of innovation that made Silicon Valley great in the first place.

The rising tide is here.

It's time to build the boats.