Welcome to the Tearsheet Podcast. I’m Zack Miller, Tearsheet’s editor in chief. The move to faster payments is happening. When you zoom out and look where things like the real time payments initiatives are going to have a real impact, you can see that instant payouts can have a lot of resonance in insurance and supply chain. But to do this in B2B, you really need to make it easy and marry identity together with payouts. That’s because a lot more is at stake when things move to real time. My guest today on the show is Stephany Kirkpatrick, founder and CEO of Orum. Orum offers a single API integration for payouts that works over RTP, ACH, and other rails. Stephanie may be a financial planner by training but she’s all in on Orum and payouts. We discuss what’s driving the move to real time payments and how disbursements and early wage access are two of the most important first use cases. Stephanie shares what looking abroad can reflect about the road and impact to real time payments. She also shares her views on where the market is headed and her plans and goals for Orum in 2023. Stephany Kirkpatrick is my guest today on the Tearsheet Podcast. You can access the audio and a full transcript here: https://tearsheet.co/podcasts/you-can-programmatically-use-blockchain-to-reduce-counterparty-risk-fireblocks-michael-shaulov/