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Why route through legacy bank cores, when we connect directly to the Federal Reserve? Over the past five years, we've originated more than 50 million individual ACH transactions through our infrastructure and processed many more receipts. We maintain 99.99%+ uptime with zero scheduled maintenance windows. Our automated reconciliation system runs to 100% accuracy to close each day on T+0, daily. Lithic is one of only 21 companies globally designated as a FedLine Direct Service Provider by the Federal Reserve, and one of only 6 that combine this with direct connections to the card networks for issuer processing.

Money transmission is a murky, often misunderstood area. In this episode of Fintech Layer Cake, host Reggie Young speaks with Evan Minsberg, Partner at Morrison Foerster, who gives a crash course on money transmission licenses (MTLs) and all their nuances. Evan explains what MTLs are, why fintechs may need them, pros and cons, possible alternatives, and much more. He also unpacks the hidden costs behind getting licensed, and how fintechs can think strategically about when it makes sense to pursue them. Whether you’re building a payments product, exploring embedded finance, or just trying to future-proof your business, this conversation is packed with insights you won’t want to miss.

3DS (3-Domain Secure) is a cardholder authentication tool merchants can trigger which, by default, transfers fraud liability to the issuing card program: a compliance overhead most issuers struggle to manage. But, 3DS at the same time delivers a treasure trove of data points that programs can leverage to optimize their risk strategy across every payment step. Our latest blog post breaks down how forward-thinking programs use this intelligence opportunity and Lithic’s multi-layer 3DS solution—from real-time decisioning to challenge orchestration—to turn mandatory authentication into competitive advantage.

As stablecoin adoption accelerates globally, companies need infrastructure that makes these digital assets truly usable in everyday commerce. In our latest blog, Brady Burkett dives into how we’re supporting global, stablecoin-powered card programs: from spending directly off tokenized balances and real-time authorization, to multi-currency settlement, built-in fraud controls, and developer-first architecture.

We're thrilled to announce that Lithic will be at Money20/20, October 26-29, at The Venetian Resort. If you're building or scaling card programs, this is your chance to see how modern financial infrastructure can transform your payments products. The Lithic team will be on hand to showcase solutions that minimize complexity while maximizing the possibilities for your card program. Book some time with us using the link.

In this episode of Fintech Layer Cake, Imprint CTO Will Larson unpacks lessons from leading engineering teams at Stripe, Carta, Calm, Uber, and more. Will shares how fintech engineering differs from SaaS, the tradeoffs executives face when joining new companies, and why the art of leadership lies in balancing seemingly incompatible frameworks, moving fast while preserving reliability, and innovating while managing legacy systems.