Tech article
Column built an issuer processor from scratch
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Hacker News | Sep 16, 2026 | Matthalp
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Card IssuingThe bank, processor, and capitalOne integration for BIN sponsorship, issuer processing, and funding — every credit, debit, prepaid and stablecoin-backed program on Visa and Mastercard. One stack, no middlewareLaunching a card program used to mean stitching together at least three partners — an issuing bank, a source of capital, and an issuer processor — and owning the risk and gaps in between. The bank, the processor, and the capital — one system, and a card program in three API calls. ColumnChartered bankCapitalIssuer processorCredit line → card account → card# 1.
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