August 2026
Two questions,
both about permission rather than code.

Each of these started as a technical question and turned out to be a licensing one. The first asks what it costs to show a real share price. The second asks whether we may read a customer's spending at all. Both conclude that the engineering is the cheap part.

Decision brief · 17 slides

Live market data

Every figure on the portfolio screen was invented. Replacing them is easy; buying permission to show real prices to customers is what decides the cost, the timeline and the design. Thirteen suppliers surveyed, eight viable.

Abu Dhabi vs Dubai · $50 vs $1,100 a month Open
Technical requirements · 16 slides

Spend tracking

Can the app read a customer's bank messages? On Android yes, on iPhone never — and the central bank may have ruled against the whole approach regardless. What to build instead, and the questions counsel has to answer first.

Statements, notifications, Open Finance Open
i

Both documents carry the same rule: never present an invented number as a real one. Where a figure is unverified, unavailable or a lawyer's summary rather than primary text, they say so on the slide rather than in a footnote.