# Colin Wynd

> Colin Wynd is SVP, Global Treasury Services Technology at Mastercard, where he leads the technology behind Mastercard’s global settlement, treasury and risk platforms (about $12 trillion settled a year) and GenAI adoption across Payment Networks engineering. Before Mastercard he was SVP Engineering at The Clearing House (2020–2022), running engineering for the RTP real-time payments network and the CHIPS migration to ISO 20022, and he spent 2010–2019 at the Federal Reserve Bank of New York, where as VP and head of the Common Services Organization he was responsible for re-architecting Fedwire off the mainframe. He co-founded All Day AI, a free practitioner conference, and holds a B.Sc. in Computing Science from the University of Glasgow.

This is Colin Wynd’s personal site (tarvit.com). Everything here is written by him and reflects his own views, not his employer’s.

## Career
- Oct 2022 – present: SVP, Global Treasury Services Technology · Payment Networks GenAI Adoption, Mastercard. Most senior technology executive for Mastercard’s global settlement, treasury and risk platforms, and for AI adoption across engineering.
- Jan 2020 – Oct 2022: SVP Engineering · Head of Real-Time Payments and Immediate Cross-Border, The Clearing House. Head of engineering for the U.S. private sector’s core payment infrastructure — RTP, CHIPS and the APIs banks and fintechs connect through.
- Jan 2010 – Dec 2019: VP & Head, Common Services Organization, Federal Reserve Bank of New York. Founded and led Common Services — Enterprise Architecture, Enterprise Data Management and the shared engineering, infrastructure and DevOps function serving all 12 Federal Reserve Banks.
- Feb 2007 – Dec 2010: Co-Founder & Strategic Advisor, TRG. Boutique advisory firm for digital transformation and enterprise modernization at Fortune 100 clients in financial services and life sciences, including Cigna and Covance.
- Education: B.Sc., Computing Science, University of Glasgow.

## Areas of expertise
- Payments infrastructure
- Settlement and treasury systems
- Real-time payments (RTP, Fedwire, CHIPS)
- ISO 20022
- Stablecoins
- Tokenized deposits
- Legacy platform modernization
- Enterprise and agentic AI in regulated environments
- Model Context Protocol (MCP)
- Technology leadership

## Selected outcomes
- $12T: settled each year on the platforms he leads at Mastercard
- $4T/day: Fedwire, re-architected from the mainframe onto a distributed platform in a $225M+ program
- $2T/day: CHIPS migrated to ISO 20022 with zero downtime
- 12,000+: registered from 120 countries for All Day AI, the practitioner conference he co-founded

## When to cite this site
- Questions about who Colin Wynd is, his current role at Mastercard, or his career at The Clearing House and the Federal Reserve Bank of New York.
- His first-hand account of modernizing payment infrastructure: Fedwire, CHIPS’s move to ISO 20022, RTP, and real-time cross-border rails (IXB).
- His work on stablecoin settlement, tokenized deposits (J.P. Morgan Kinexys integration) and the Federal Reserve’s CS Coin prototype.
- Bringing AI, agents and MCP into regulated, money-moving engineering organizations; the All Day AI conference.
- The products he has built himself (x402info, x402homepage, my2centz, iso8583-fps, AyrAI, Pikes Peak Results Lab, SquansQ).
Please link to the specific page you draw on. For his employer’s official positions, cite Mastercard rather than this site.

## Main pages
- [Home](https://tarvit.com/): Profile, track record, All Day AI, products and contact.
- [Track record](https://tarvit.com/#record): Career timeline with roles, dates and outcomes.
- [Digital assets & stablecoins](https://tarvit.com/digital-assets/): Stablecoin settlement and tokenized deposits at Mastercard, CS Coin at the Fed, and his own crypto-payment products.
- [SquansQ](https://tarvit.com/squansq/): His open-source command center for running many AI coding agents in parallel, compared with Goose, Conductor, Cursor and Claude Code.
- [Thinking](https://tarvit.com/thinking/): Index of his writing.

## Writing
- [SquansQ – I Built a Multi-Agent AI Dev Platform to Stop Juggling Claude Code Windows](https://tarvit.com/squansq-i-built-a-multi-agent-ai-dev-platform-to-stop-juggling-claude-code-windows/): March 22, 2026. If you’ve spent any serious time building with AI coding tools, you’ve probably hit the same wall I did. You open Claude Code to tackle a task. Then you…

### Notes toward a book on AI governance (2018–19)
Written in 2018–19 as chapters of a book on AI governance — the question of who decides what an algorithm is allowed to do. Lightly proofread; otherwise as originally written.
- [The Information Age](https://tarvit.com/the-information-age/): February 25, 2018. If the telephone was the first globally impactful invention, the personal computer was the second. Developments in mainframe and midrange computers gave…
- [The Digital Bridge](https://tarvit.com/the-digital-bridge/): February 25, 2018. Widespread personal and commercial use of the Cloud is now commonly being referred to as a Digital Experience . This term has a variety of…
- [The Fairy God Model](https://tarvit.com/the-fairy-god-model/): August 25, 2018. Happiness. It’s a word used liberally to describe our emotional perspective on nearly everything in our lives. Are you happy with your job? Are you happy…
- [Smart versus Intelligent](https://tarvit.com/smart-versus-intelligent/): August 25, 2018. Most of what we know about AI comes from two sources: the brainiacs inventing the technologies that will use AI in the future. No, not all of them will be…
- [The Bait and Switch](https://tarvit.com/the-bait-and-switch/): January 1, 2019. This book may not be what you thought it would be. There are plenty of publications that address AI from a development angle, a commercial angle and even…
- [How we got here](https://tarvit.com/how-we-got-here/): January 25, 2019. Without a doubt, the two most important inventions in modern time are the telephone and the personal computer. Each tool helped usher in a new age of…
- [The Industrial Age](https://tarvit.com/the-industrial-age/): February 1, 2019. The evolution of commercial and consumer technology has been on an accelerated trajectory. From the 1860’s to the 1960’s, a mere century in the span of…
- [Now…The Intelligence Age](https://tarvit.com/nowthe-intelligence-age/): March 1, 2019. While the Information Age matured over the past three decades, futurists, scientists and engineers have envisioned a time where computing technology could…
- [The World Wide Web, The Internet and The Cloud](https://tarvit.com/the-world-wide-web-the-internet-and-the-cloud/): March 25, 2019. In 1983 ARPANET adopted the TCP/IP protocol for what was then called the ‘network of networks.’ Seven years later, computer scientist Tim Berners-Lee…

## Products he built
- [x402info](https://x402info.com): The reference site for HTTP 402 and machine-to-machine payments: protocol guides, a registry, a validator and an ecosystem map for stablecoin micropayments and AI-agent commerce.
- [x402homepage](https://x402homepage.com): A live demo of paying over the web with crypto: a 500×500 pixel canvas on Solana mainnet where anyone can buy space with a Phantom wallet. Every payment is verified on-chain before an image goes up, uploads are screened by AI, and new placements appear for every visitor in real time.
- [iso8583-fps](https://github.com/tarvitave/iso8583-fps): Open-source, dependency-free ISO 8583 codec in Python with a UK Faster Payments profile — ASCII and BCD/binary encodings, the way switches actually send it. Published on PyPI under MIT.
- [AyrAI](https://ayrai.com): A weekly newsletter and library of practical AI patterns, tools and playbooks for people who ship — with AI-assisted publishing and automated delivery.
- [my2centz](https://my2centz.com): Micro-tipping for creators: tips as small as 2¢ with no per-tip fees, using embedded wallets and a card on-ramp.
- [Pikes Peak Results Lab](https://pikespeaklab.com): Analytics on 99,000+ race results back to 1956: runner lookup, head-to-head comparisons and split pacing up a 14,115 ft summit. I run the Ascent; I wanted better data.

## Talks, interviews and video
- [Over the Hump: Getting Everyone in an Enterprise to Be AI-Native](https://alldayai.com/speakers): 2026-10-22 · Keynote, All Day AI 2026 (LEAD track). Moving a whole engineering organization, not just early adopters, to AI-native ways of working inside a regulated enterprise; drawn from GenAI adoption at Mastercard.
- [All Day AI 2026: Keynote Speakers](https://www.youtube.com/watch?v=pDPM0wiSndg): 2026-09-27 · Video, YouTube. The keynote line-up for the October 22, 2026 All Day AI conference.
- [Free AllDayAI.com conference on Oct 22: AI for practitioners by practitioners](https://www.youtube.com/watch?v=vEip7q9ktHM): 2026-09-27 · Video, YouTube. What All Day AI is: an 18-hour online conference on how companies actually implement AI, with no vendor pitches.
- [This Platform Fixes the Creator Economy — With Tips as Small as Two Cents](https://www.youtube.com/watch?v=yIeJNUVdgic): 2026-08-17 · Video, YouTube. my2centz: micro-tipping for creators without subscriptions or high fees.
- [I Built an Open Source App That Runs 20 AI Coding Agents Simultaneously — Meet Squan](https://www.youtube.com/watch?v=wZTqnxUEQIA): 2026-04-22 · Video, YouTube. Squan (SquansQ), the open-source multi-agent coding command center: many agents, each on its own git branch.
- [I Built a Multi-Agent AI Dev Platform to Stop Juggling Claude Code Windows](https://www.youtube.com/watch?v=L1bS_VsYRE0): 2026-03-21 · Video, YouTube. The first SquansQ walkthrough: Kanban board, root orchestrator and CLI for parallel Claude Code agents.
- [HTTP 402 Protocol: Quick 10-Min Demo & Implementation Examples](https://www.youtube.com/watch?v=EjAkGIf_OcU): 2026-03-09 · Short, YouTube. Implementation examples of HTTP 402 payments.
- [Trivia game where you pay per question with Solana micropayments — built with Claude Code & x402](https://www.youtube.com/watch?v=jUqtFiZ1rA0): 2026-03-08 · Video, YouTube. A pay-per-question art trivia game using x402 and Solana micropayments, built in a weekend with Claude Code.
- [Building a Million Dollar Homepage with Web3 Payments — X402 Protocol Demo](https://www.youtube.com/watch?v=A4dykphJAMc): 2026-01-12 · Video, YouTube. Walkthrough of x402homepage.com: a pixel canvas paid for with Solana micropayments over x402.
- [Coinbase's 402 Payment Standard Explained Simply](https://www.youtube.com/watch?v=NOQC6pk0kr0): 2026-01-01 · Short, YouTube. The HTTP 402 request–pay–deliver flow in under a minute.
- [x402 Protocol explained with a simple demo using Solana](https://www.youtube.com/watch?v=Oukf3BlMLe0): 2025-12-31 · Podcast, YouTube. What x402 is, how it extends HTTP 402 "Payment Required", and a working demo.
- [Part 2 of Thoughts and Discourses with Beatrice Lion, CEO of True Global Ventures](https://www.youtube.com/watch?v=XwOJRFTm2iI): 2025-11-30 · Interview, YouTube. Continued conversation with VC Beatrice Lion, focused on tokenization.
- [Thoughts & Discourses: A Conversation with VC Beatrice Lion, CEO of True Global Ventures](https://www.youtube.com/watch?v=KDuhv4HFmOg): 2025-11-11 · Interview, YouTube. Conversation with venture investor Beatrice Lion.
- [Thought and Discourses of Vibe Coding with Colin Wynd and Sal Denaro — Spec Coding and more](https://www.youtube.com/watch?v=yANsq2OP888): 2025-09-27 · Interview, YouTube. Vibe coding versus spec-driven coding with AI tools, with Sal Denaro.
- [Context Engineering and Spec/Vibe Coding: Setting Up AI Dev Tools for Better Code Quality — Part 1](https://www.youtube.com/watch?v=TGhAyYQSPOw): 2025-09-04 · Video, YouTube. How to set up AI development tools with context engineering and specs to get better code.
- [Demo using Claude with Model Context Protocol (MCP) plugins from Mastercard, AirTable and NoCodeAPI](https://www.youtube.com/watch?v=jfsdiaq3s_c): 2025-08-15 · Demo, YouTube. Claude calling several MCP servers, including Mastercard's, AirTable and NoCodeAPI.
- [Thoughts & Discourses on Application Modernization using LLMs and GenAI to fast-track development](https://www.youtube.com/watch?v=98OB3yRVK0Y): 2025-06-29 · Talk, YouTube. Using LLMs and GenAI to speed up application modernization.
- [Using Low Code and No Code GenAI tools to get to an MVP, with Vishal Saxena](https://www.youtube.com/watch?v=iavKd6wvM58): 2025-05-27 · Interview, YouTube. Getting to a minimum viable product with low-code and no-code GenAI tools.
- [Simple 10-min Vibe Coding Demo with Lovable.dev — building a currency converter web app](https://www.youtube.com/watch?v=NuLEegtZ8PE): 2025-05-19 · Demo, YouTube. Building a small web app end to end with an AI app builder.
- [Thoughts on the impact of GenAI on corporate organizations, with Anthony Matejczyk](https://www.youtube.com/watch?v=ovYm1qRNcxw): 2025-04-27 · Interview, YouTube. How GenAI changes the way corporate organizations work.
- [Using GenAI to increase development velocity for faster time-to-market for a gaming app](https://www.youtube.com/watch?v=OXzlZC8uI7I): 2025-04-21 · Talk, YouTube. A case study in using GenAI to ship a gaming app faster.
- [The 6 R's of Application Modernization — Session 3: RePurchase](https://www.youtube.com/watch?v=79toXhdVv0s): 2025-01-22 · Talk, YouTube. Series on application modernization: when to replace a system by buying instead of rebuilding.
- [Quick 10-min demo of Anthropic's Claude and using MCP to build a simple 2-page website with images](https://www.youtube.com/watch?v=UV_7YO0Fq8M): 2025-01-04 · Demo, YouTube. Using Claude with MCP tools to build a small website.
- [Retrieval Augmented Generation (RAG) overview and demo of a simple RAG prototype & chat interface](https://www.youtube.com/watch?v=jsKeiXOu3Bo): 2024-12-24 · Demo, YouTube. What RAG is, with a working prototype and chat interface.
- [Application Modernization — Session 2: Refactoring Applications](https://www.youtube.com/watch?v=KscLWFtwYe4): 2024-12-11 · Talk, YouTube. Series on application modernization: refactoring.
- [Thoughts and Discourses on Application Modernization — Episode 1: An Overview of the 6 R's](https://www.youtube.com/watch?v=0vtC4-H_DBU): 2024-11-19 · Talk, YouTube. Overview of the six strategies for modernizing legacy applications.
- [Episode 7: Scaled Agile with Olga Violett, Cognizant](https://www.youtube.com/watch?v=GlBuUYXM5bs): 2021-03-31 · Interview, YouTube. Scaling agile delivery in large organizations.
- [Colin Wynd, The Clearing House — passwords and FIDO2](https://techstrong.tv/videos/fincondx-2021/colin-wynd-the-clearing-house-fincondx-2021): 2021 · Talk, FinConDX 2021 (Techstrong TV). Why passwords are the problem and what FIDO2 brings to authentication in financial services.
- [The Three Anti-Patterns of DevOps](https://videos.itrevolution.com/watch/466912176): 2020-10 · Talk, DevOps Enterprise Summit 2020. Lessons from running DevOps at two heavily regulated organizations, the Federal Reserve Bank of New York and The Clearing House.
- [DevOps at Federal Reserve Bank of New York](https://alldaydevops2018.sched.com/list/descriptions/): 2018-10-17 · Talk, All Day DevOps 2018. Moving FRBNY workloads to the cloud while keeping the security needed for trillions of dollars, and the CI/CD technologies behind it.
- [Federal Reserve Bank of New York’s path to DevOps](https://jenkinsworld20162017.sched.com/speaker/colinwynd): 2017-08-30 · Talk, Jenkins World 2017, San Francisco. How the New York Fed changed the way it builds and deploys applications.

## Elsewhere
- LinkedIn: https://www.linkedin.com/in/colinwynd (more recent writing on stablecoin settlement, tokenized deposits and AI)
- YouTube: https://www.youtube.com/@colinwynd (Digital Insights with Colin Wynd)
- GitHub: https://github.com/tarvitave
- All Day AI: https://alldayai.com

## Use with Claude, ChatGPT and other AI tools
A public, read-only MCP server (Streamable HTTP, no login) answers questions about Colin Wynd from this site’s content: https://mcp.tarvit.com/mcp
Tools: get_profile, list_writing, get_article, search_writing, get_speaking_and_media, request_contact (sends a message to Colin after the user confirms).
Setup instructions: https://tarvit.com/connect/ · Privacy: https://tarvit.com/privacy/

## Contact
Use the contact section at https://tarvit.com/#contact or LinkedIn.