Refueler / Editorial

Writing worth
reading.

On Bitcoin payments, privacy architecture, and the economics of the Fenchurch Street line commute. No marketing copy.

Engineering · Authentication · Payments

Looks Done Isn't Done

Two pieces of infrastructure pass every test written. Neither has been proven against reality. On the gap between working code and shipped product.

June 2026 · 8 min

Consumer · City commuter · Loyalty

The Least Loyal Customer in Britain

The City of London coffee unit has a denominator problem. The customer it most needs to retain is the one most likely to have left already.

May 2026 · 7 min

Privacy · Architecture · Data

Nothing to collect. Nothing to hide.

The most honest privacy policy is the one you don't need to write. On building a payments platform where the architecture does the work the policy can't.

May 2026 · 12 min

Regulation · FCA · PS25/12 · Loyalty apps

The float

Your coffee app knows more about you than your bank. And the regulator finally noticed.

May 2026 · 9 min