When your bank statement shows a cryptic string of characters instead of a merchant name, that’s more than a frustrating customer experience – it’s a symptom of payments infrastructure that hasn’t meaningfully changed in 50 years. Financial institutions lose billions each year to disputes, fraud, and missed AI opportunities that all trace back to the same root cause: transaction data nobody can actually read or use. Find out how Spade cracked a problem the card networks and the largest banks in the world couldn’t, and why Stripe, PayPal, and Mercury now depend on it as core infrastructure.