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As ACH continues to dominate U.S. transactions, newer payment rails, including FedNow, are working to make their platforms more secure. One of the ways they are

Rattray, who studied economics at the University of Pennsylvania, has been building things for as long as he can remember, from an underground newspaper in high school to a bike-share program in college. Rattray picked up programming on the side while at UPenn, which led to a job at Stripe as an engineer on the developer platform team. At Stripe, Rattray helped to revamp API documentation and launch the system that powers Stripe's API client SDK.

Founded in 2021, Exponent Founders Capital invests in enterprise SaaS, fintech, infrastructure and GTM software companies.

Exponent Founders Capital, an early-stage venture firm founded by alumni of startups such as Plaid, Robinhood and Ramp, has closed on $75 million in capital commitments, TechCrunch is the first to report. Managing Partners Charley Ma and Mahdi Raza co-founded Exponent after meeting while Ma was leading fintech growth at Plaid, and Raza was leading growth and payments at Robinhood.

Smart companies do want to move money as fast as possible and put it to work, but that isn’t always easy to do.