Dmitrii Votintsev: articles and notesChief Product & Technology Officer in fintech, payments and digital assets. 17+ years from Java developer to CPTO: trading platforms, crypto wallets, Visa card programmes, a DEX aggregator and a national payment platform. Runs an AI-native product organisation where an idea becomes a working MVP in 2 to 3 weeks.https://dmitriivotintsev.com/enA crypto service needs a credit cardhttps://dmitriivotintsev.com/articles/crypto-service-needs-a-credit-card/https://dmitriivotintsev.com/articles/crypto-service-needs-a-credit-card/Almost every crypto service issues a debit card. Banks grew on credit cards. Why this is a design mistake, what Gemini's experience shows, and what stands in the way of lending.Wed, 14 Oct 2026 00:00:00 GMTfintechcardscreditcryptoThe company that stopped writing reportshttps://dmitriivotintsev.com/articles/the-company-that-stopped-writing-reports/https://dmitriivotintsev.com/articles/the-company-that-stopped-writing-reports/How a company of about 100 engineers and 70 projects took manual reporting out: sources, two clocks, registries with provenance, a rulebook, and what it cost.Tue, 13 Oct 2026 00:00:00 GMTAIoperationsreportingmanagementThinking about launching a crypto card? Here’s the reality and where the money actually ishttps://dmitriivotintsev.com/notes/crypto-cards-do-not-make-money/https://dmitriivotintsev.com/notes/crypto-cards-do-not-make-money/11 things most teams discover after burning months and budgets on a crypto card, and why the card is a feature, not a business.Fri, 21 Nov 2025 00:00:00 GMTcryptocardsfintechpaymentsDecentralization is just another hierarchyhttps://dmitriivotintsev.com/notes/decentralization-is-just-another-hierarchy/https://dmitriivotintsev.com/notes/decentralization-is-just-another-hierarchy/A market crash does not break the system. It shows how the system is built, and who pays for the illusion of freedom.Sun, 12 Oct 2025 00:00:00 GMTcryptomarketsCrypto wallets of the future: privacy is going awayhttps://dmitriivotintsev.com/notes/crypto-wallets-privacy-is-going-away/https://dmitriivotintsev.com/notes/crypto-wallets-privacy-is-going-away/Why MPC wallets and ISO 20022 will push anonymous non-custodial wallets into a gray zone, and what remains of the 2009 philosophy.Mon, 10 Mar 2025 00:00:00 GMTcryptowalletscustodyregulationWhy we keep ignoring “red flags” in job offershttps://dmitriivotintsev.com/notes/why-we-ignore-red-flags-in-job-offers/https://dmitriivotintsev.com/notes/why-we-ignore-red-flags-in-job-offers/Everyone knows the warning signs and ignores them anyway. Three reasons why, and a better set of questions to ask yourself.Mon, 03 Mar 2025 00:00:00 GMTcareersmanagement