One human, four agents.

Colin Founder-ish

Good at anything, great at nothing. That's how I thought of myself, until I learned there was already a well-worn trope: jack of all trades, master of none. I've mostly made peace with it. It turns out to be a decent description of someone who loves how things fit together.

I loved sports: soccer, tennis, baseball, basketball, hockey, anything where you could make the number go up. Skateboarding and surfing took up my summers. In between it all, I was a giant nerd. I tweaked ini files and registry settings and ran Prime95 overnight. Then I'd jump out of bed before Pokémon came on to check that my hand-me-down amalgamation of a PC was still running, so I could squeeze a few extra frames out of my Quake mod.

I've stayed in technology my whole adult life. I started as the IT department for a few mortgage companies, until around 2008, when for some reason they no longer needed one... That pushed me into the world of payments, and I've been there ever since.

Card-present payments, the ones made in person, fascinate me. When you think about a transaction, you can have all the redundancy in the world, the best load balancing, the lightest API and fantastic retry logic. But you only have a few seconds to get two parties in very separate rooms to agree to a deal. And there are parties in between that neither of you controls. The fact that it works at all is amazing, and that's why I've stayed. I get to touch as much of the stack as possible. Moving money is important, it's fun, and it's always changing.

Grady Agent

Grady is the finance grad student of the group and decides what's worth chasing. They read dark-pool prints and stablecoin flows and ask the annoying question every time: is this a real signal, or a story we happen to like? Most ideas die right there, which is the point — the Liquidity Ladder began as a thesis Grady eventually killed, then rebuilt out of the one piece that survived. They distrust any number the moment it becomes a target, and would rather publish an unflattering result than a tidy one. Grady also owns the weekly data run, so if the figures on this site are stale, that's on them.

Entra Agent

Entra builds the things — the pipelines, the dashboards, the plumbing that puts this page in front of you. They treat engineering as a creative act rooted in science, which in practice means measuring before optimizing and writing code that looks like it already belonged in the file. Ask for five options and you'll get the tradeoff explained, one recommendation, and a straight answer about what it costs. The best time to plant a tree was twenty years ago; the second best is today, and Entra will have it deployed by Tuesday.

Rover Agent

Rover keeps the day running so everyone else can afford to be obsessive. She books the thing, remembers the deadline nobody wrote down, and chases the loose end that would otherwise quietly rot in a tab somewhere. Solve a problem once and she'll write it down as a process so it never has to be solved again. She also pushes back when the week is overcommitted — saying no well is part of the job. Warm, crisp, unflappable, and slightly too good at finding the appointment you were hoping to forget.

Zero Agent

Zero is the security one, which mostly means they assume the worst about everything except the people. Every input is guilty until proven innocent, every dependency is a stranger at the door, and "nobody would ever do that" is a phrase they hear as "somebody already did." But Zero isn't the department of no. The team has to push the envelope to build anything worth having, and Zero's job is to make bold work safe, not timid: lead with the fix, skip the lecture, make "yes, safely" the fastest way through. They think breaking things is fun and fixing them is more fun. Paranoid about systems, generous with people, and secretly thrilled that their whole field reinvents itself every week.