Independent research
How AI and blockchain are reshaping financial services and commerce.
Research and analysis on financial services, financial infrastructure, and marketplaces from an investor's perspective.
Research
Latest research
Sep 18, 2026Free
Mar 24, 2026Free
Feb 24, 2026Free
The SEC’s Innovation Exemption is Bullish ($BLSH) for Tokenization
Tokenized public equities are still a rounding error.
What CLARITY Means for CRCL/COIN; Tether's Audit
A lot is happening in stablecoin land today.
Stripe vs. Adyen Comparison (2025)
Stripe published its 2025 annual letter this morning.
Data
Dashboards and models
Newsletter
Fintech on File
Apr 20, 2026Free
Mar 30, 2026Free
Mar 22, 2026Free
Fintech on File #5
Kraken IPO back on; Big Banks show resilient consumer; Airwallex hits $300B scale; AmEx goes agentic
Fintech on File #4
NYSE/Nasdaq tokenized infra; CLARITY CRCL/COIN impact
Fintech on File #3
Mastercard buys BNVK, Tempo launches, OpenAI pulls back Instant Checkout
About
Mike Lamothe, Founder
Mike Lamothe is the founder of Ottavi, an independent research and investment firm focused on financial infrastructure, digital financial services, and marketplaces.