Welcome to the Tearsheet Podcast. I’m Tearsheet’s editor in chief, Zack Miller. What I continue to find interesting is that the fintech tech stack peels away like an onion. Even the innovators have 3rd party innovation under the hood. Joining me on the podcast today is Tim Astanov, SVP, Product Commercialization & Partnerships at TabaPay. TabaPay is one of those companies that power payments for the fintech innovators, like SoFi, Remitly, Melio, and others. It offers direct access to 15 banking partners, 14 networks, multiple geographies, products and features in a unified API. Tim has an awesome background – previous to his current position, he was head of P2P in North America for Visa Direct and had important roles at Discover and Amex. We talk about the challenges and opportunities moving money in and out of bank accounts. Tim shares his views on the impact real time payments will have on the industry and its monetization efforts. Lastly we look to some of the biggest trends in the industry as a north star pointing where things are headed. Tim Astanov is my guest today on the Tearsheet Podcast.