How Mercury reduced card fraud by 40% and scaled to $248B in transaction volume using Lithic's programmable authorization infrastructure and integrated 3DS.

The real framework behind cross-border fintech expansion with the four pillars every foreign fintech must get right — product, bank partnerships, hiring, and budget — and the hidden pitfalls that derail U.S. launches.

Over the past year, one thing we've learned is that AI transformation is not primarily about technology. It's about organizational design. The hardest problems in technology adoption aren't technical, they're human.

Settlement processing converts cleared card transactions into fund movements. Learn how it works and what effective settlement infrastructure looks like.

The beauty of Lithic’s Authorization Intelligence approach lies in the cross-platform versatility and unified governance across payment types of our core decisioning engine. This programmable rule layer enables clients to set context-aware decisioning across every stage of the payment lifecycle (from identity verification to transaction authorization) and multiple payment form factors (card, ACH, or wallet token). 

Kyle Mack, CEO of Middesk, to unpack why data—not AI—is the real bottleneck holding fintech innovation back. Kyle explains how KYB has evolved far beyond a compliance checkbox, why poor data foundations can amplify risk instead of reducing it, and what it actually takes to support real-time, automated decisioning for business onboarding.

How Lithic enables a new era of programmable payments through contextual, cross-platform decisioning through Authorization Intelligence.

In this episode, Reggie Young sits down with Gokul Dhingra, Co-Founder and CEO of Narrative, to unpack how AI is reshaping compliance, oversight, and growth in the fintech ecosystem. Narrative is tackling one of the industry’s biggest pain points—the rising cost of compliance and risk management—by turning oversight into a source of efficiency and even competitive advantage.

From office supplies to critical operational goods, Order.co is helping businesses centralize procurement, automate spend controls, and simplify the way teams buy what they need. That’s why Order.co partnered with Lithic for payments infrastructure that automates purchasing processes, enforces controls, and moves money efficiently at scale.

Lithic, the card issuer processing platform powering next-generation financial experiences, today announced a partnership with Stearns Bank, a well-capitalized, Minnesota-headquartered financial services institution with over a century of experience and customers nationwide. This collaboration expands Lithic's enterprise-grade card program capabilities, enabling fintechs to launch comprehensive consumer and commercial card programs with trusted infrastructure.

With Lithic's issuer processing platform, Giftly is delivering flexible gifting experiences with virtual and physical prepaid cards for seamless gift redemption, using Authorization Stream Access (ASA) for real-time transaction control and custom fraud prevention logic, advanced Authorization Rules for precise spend management and velocity limits, and digital wallet integration for frictionless payment experiences.

Lithic’s issuing and processing platform gives Atlas the control and agility they need to move fast using built-in support for security features like 3D Secure (3DS), real-time decisioning, and a developer-first toolkit.

Leading fintech infrastructure provider Lithic enables seamless physical-to-digital currency conversion through the CINQ by Coinstar™ Debit Card

In my last article, I discussed how we intentionally designed Lithic’s core issuer processing infrastructure to eliminate legacy tech debt and third-party dependencies. We explored how Lithic maintains direct connections from our datacenters to international payment card networks and the Federal Reserve to enable platform reliability, control, and uptime, but didn’t investigate in detail what this last point of Direct-to-Fed connectivity means. As one of six companies that provide both FedLine Direct and card network issuer processing, Lithic is uniquely situated to support ambitious, innovative companies in bringing compelling payments and banking products to market.

Discover how Lithic’s Program Services help teams scale their card programs without the overhead, from disputes and fraud mitigation to customer support.

In this episode of Fintech Layer Cake, host Reggie Young sits down with Sarah Wilson, General Counsel at Circle, to explore how Circle is shaping the global legal and regulatory frontier for stablecoins and digital assets. She shares her path from big law to fintech, why stablecoins represent the perfect intersection of finance, technology, and regulation, and how Circle manages compliance across 185 countries.