Notes from
running a fintech.
Long-form essays for founders, CEOs and boards.
BaaS · Operations · Market entry · Leadership
CEO of Crassula. Writing on fintech infrastructure and leadership.
Latest writing
View all CEO & Leadership 8 min
The fractional CEO model. When it works and when it is a red flag.
Market Entry & Geography 8 min
Spain as a fintech base. When the math works.
The default EU fintech playbook (Lithuania for licensing, Ireland for tax, London for capital) is using stale inputs. The case for Spain as a base, and the company profiles where the math actually works.
Pricing & Commercial Discipline 9 min
A discount discipline framework for B2B SaaS.
A three-tier framework for B2B SaaS pricing discipline. Setup vs MRR economics, delegation thresholds, ramp pricing as a substitute for permanent discounts, and a 60-day implementation sequence.