Programmable access

The global economy isn't suffering from a lack of talent or ambition. It's suffering from a lack of participation — caused by outdated financial rails. Every day, billions of people lose time, money, and opportunity to delays, fees, and opaque settlement systems built for a different era. Programmable money movement changes this: - faster settlement - predictable costs - transparent flows - global reach When builders remove friction, participation rises. When participation rises, productivity follows. When productivity rises, economies grow. This is why we build at [Alchemy](https://www.linkedin.com/company/alchemyinc/): to give developers the infrastructure they need to lower the cost of participation for millions of people. Because the next wave of global economic growth won't come solely from new policies or new currencies. It will come from the people with a reason to change the future and the builders who give them the tools to do it.

Problems Alchemy Builds For

If you're building financial products, you already know the hardest problems aren't UI problems — they're infrastructure problems. The rails define the user experience long before the interface does. For teams building payouts systems, remittance flows, treasury tools, global business wallets, or creator monetization, the questions tend to look the same: - Will this transaction actually succeed, or do I need my own retry logic? - How do I give users predictable fees when network costs fluctuate? - How do I show accurate transaction states without polling and guessing? - How do I safely support multi-chain value movement without stitching together 10 different systems? These aren't product niceties. They're the foundation of trust. And trust is what every financial tool lives or dies on. That's why the infrastructure layer matters so much. At [Alchemy](https://www.linkedin.com/company/alchemyinc/), we are designing our platform around the primitives builders need to create reliable, predictable financial experiences: - Reinforced Transactions for higher success rates Alchemy's transaction engine automatically tracks and re-broadcasts stalled transactions to improve inclusion times and reduce silent failures. Builders get more predictable execution without writing their own fallback machinery. - Gas abstraction via Gas Manager Hide gas from users, sponsor fees, or centralize billing in fiat. This gives you control over what users see and pay — so the UX can present stable, predictable costs even when chains are fluctuating. - Cross-chain swaps Support both same-chain and cross-chain swaps with a unified flow and consistent status codes. Builders don't have to orchestrate custom routing logic themselves. - Real-time webhooks for transaction state, audits, and downstream logic Notify lets you subscribe to mined transactions, dropped transactions, address activity, and more — with at-least-once delivery. This is the backbone of building clear transaction state, audit trails, and real-time financial behavior. This is the foundation for creating experiences that feel trustworthy — where money movement is clear, predictable, and reliable. If you're building financial tools, the UX your customers experience starts with the primitives you choose. We're designing infrastructure that lets you build those experiences with confidence — and ship products that users can depend on.

Financial Dignity

Financial dignity is not a luxury. It's a requirement — and it should be a design requirement most of all. When we talk about financial systems, we often talk about efficiency, security, or throughput. But for the people using those systems, the experience is far more personal. It's about whether they can predict when money will arrive. Whether they understand how it moves. Whether they feel in control — or at the mercy — of the rails underneath them. Financial UX is not just about making flows intuitive. It's about shaping how people experience their own agency. Delayed wages, opaque remittance fees, unpredictable cross-border transfers — these aren't just technical shortcomings. They're failures that erode a person's sense of dignity and autonomy. Onchain infrastructure offers new ways to repair that. Instant settlement, predictable costs, verifiable movement. But the opportunity only becomes real if the experiences built on top of those rails are clear, trustworthy, and usable by people who don't speak blockchain. As a designer at [Alchemy](https://www.linkedin.com/feed/?shareActive=true&view=management#), I think about dignity as a functional outcome. Can a worker see when their payment will clear? Can a small business predict fees? Can a family sending money across borders rely on the transfer service's timing estimation on when the money will arrive? These aren't edge cases — they're the use cases where financial services can directly help or harm their customers. Design won't fix every structural problem in finance. But it can ensure that powerful infrastructure feels respectful, affordable, and reliable — especially for the people who bear the brunt of complexity today. Financial dignity isn't an aspiration. It's a bar. And good design is one of the most meaningful ways we raise it.

Financial service design isn't just about simplification — it's about enabling participation in the world's open economy. For most people, financial systems aren't abstract concepts. They're the structures that determine whether they can get paid on time, support family across borders, run a small business, or earn a living online. Wages, remittances, small business payouts, creator income, micropayments, cross-border transfers — these are the moments where financial UX matters most. These are the moments where real pain shows up. Onchain infrastructure has the potential to reduce that pain: instant clearing instead of multi-day delays, predictable fees instead of hidden ones, verifiable movement instead of opaque processing. But none of that matters if people can't understand, trust, or navigate the systems built on top of it. That's where design comes in. As a designer at [Alchemy](https://www.linkedin.com/company/alchemyinc/), my work is to translate programmable infrastructure into experiences people can actually use — not just engineers, but workers, families, creators, and businesses. If I do my job well, institutions that adopt onchain payments can offer experiences that feel radically better: faster access to earnings, transparent movement of funds, and fewer barriers for people who already face too much financial friction. Because complexity disproportionately harms those with the least margin. Because poor UX can undo the advantages of onchain finance. Because good UX turns capability into possibility. Design won't fix every structural problem in the global economy. But it can remove unnecessary friction, build trust, and make critical financial flows more accessible to the people who rely on them every day. That's the optimistic part: not that technology magically solves inequality, but that thoughtful design can make powerful infrastructure usable in ways that actually reduce pain — and broaden who gets to participate in the world's open economy.

The next era of financial services won't be defined by choosing sides between "tradfi" and "onchain." It will be defined by how well we design systems that can meet regulatory expectations and unlock new behaviors. The future of money requires both: - The auditability, controls, and compliance frameworks institutions rely on - The speed, programmability, and global reach that onchain technology makes possible At [Alchemy](https://www.linkedin.com/company/alchemyinc/), we believe the path forward isn't about bending innovation to fit outdated rails. It's about designing infrastructure that is credible to regulators and compelling to builders at the same time. Stablecoins and onchain settlement are already showing regulators what faster, safer money movement can look like. As the rules evolve, usability and trust will matter just as much as throughput. The institutions that win this shift will be the ones who adopt new rails without abandoning rigor—and who see compliance not as a constraint, but as a catalyst for building better financial systems.