A fintech education mixtape. 🎶 Track 3: Owning the Rails In fintech, there’s a difference between riding the rails and owning the rails . Most “financial inclusion” strategies still position Black and Brown communities as passengers — given the focus is on access to apps and platforms designed elsewhere, with rules they didn’t set. True financial sovereignty requires something deeper: control of the rails themselves. What Do We Mean by “Rails”? Financial rails are the infra
