Welcome to The AFT podcast: At the Forefront of Transactions | Previously known as Fundraising Radio.!
The AFT Podcast

The AFT Podcast

The AFT podcast (At the Forefront of Transactions) - previously known as Fundraising Radio, is a continuation of our efforts to bring in-depth knowledge of the payments space.
Do you know how credit cards work? How banks communicate transactions between each other? How the tap to pay works? How funds get disbursed by government agencies?

You'll learn about topics in the payment space that you didn't even know existed. If you are in the fintech/payments space or just a curious mind - hop on!

Recent Episodes

Oct. 22, 2025

RTP covered by Cheryl Gurz

Cheryl Gurz Product Manager with RTP at The Clearing House in this episode is explaining the key functionality of RTP and the backend. Here are the key takeaways from the interview: TCH basically works to recoup the losses - ...
Sept. 8, 2025

Money movement behind charity, by Sonia Nigam

Sonia Nigam - Founder and CEO at Change in this episode talks about the money movement behind the scenes of charities. Especially the ones organized and led by corporations. If you have ever wondered what happens when the gro...
Aug. 7, 2025

Declined transactions explained + Disputes covered. By Rehman Baig with FlexFactor

Rehman Baig , CPO at FlexFactor in this episode talks about combating transaction declines and disputes. How the process of underwriting looks like, how are funds reclaimed, what the end-user sees and how it all operates unde...
July 15, 2025

Fund collections getting creative: Michael Kaplan with PayNearMe

In this episode we cover exactly what the title suggests: pay-ins. Specifically focusing on the use-cases like repayment of outstanding debts such as tolls due, phone bills overdue etc. Covering a wide array of pay-in options...
June 17, 2025

Buy Now Pay Later - how does it work and what happens behind the scenes? By Jiakai Guo, VP at Sound Point Capital Management

Jiakai Guo - Vice President at Sound Point Capital Management in this episode goes in-depth on how Buy Now Pay Later system operates. How does the capital flow look like, how is this form of debt being treated, what are the d...
June 3, 2025

Building the payment system with Casey Hingtgen

Casey Hingtgen⁠ - COO of ⁠Whale⁠ in this episode talks about the process of building a system of pulling and pushing without inter-mingling the funds. Goal of the system in question: - making sure that money is guaranteed to the landlords. Ability to lock the funds in the FDIC-insured funds. - f…

Recent Blog Posts

Oct. 13, 2025

AFT: instant debit pulls through Account Funding Transactions.

What is AFT? According to Visa’s official documentation, Account Funding Transactions (AFTs) is a transaction type used to withdraw funds from a Visa or Mastercard account for the purpose of funding another account. In simple words - it is an…

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July 22, 2025

A Practical Guide to Improving Fund Settlement Through ACH

What is an ACH transfer?  It is an electronic payment that moves money between bank accounts through a centralized network (Automated Clearing House). ACH network processes these transactions in batches and this post is specifically about th…

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May 29, 2025

How you can get your customers' funds instantly through Request For P…

TLDR: RFP is a capability offered by RTP and FedNow rails. It offers instant “pulls” from users’ external bank accounts without employing AFT. This system offers instant settlement. Main issue of t…

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Reviews

Insightful!

"Konstantin does a great job interviewing successful individuals within the startup ecosystem. He does a great job of finding successful individuals who are well regarded within areas relevant to star…"

Infinitesum | May 15, 2020

Very educational!

"Now with the "educational episodes" section on the website it got even better - wonderful content and with the site it got even easier to navigate. Transcripts of the episodes are pretty bad though,…"

KosObsosXStory | May 25, 2020

Diverse funding stories, interactive format

"I have listened to various successful fundraising stories on this podcast. There are episodes that have real stories about successfully crowdfunding campaigns, grants, VC rounds and more. The forma…"

Kiriillll | May 25, 2020

Smart, thoughtful startup stories

"I’m a big fan of Fundraising Radio and have been a guest on the show. Konstantin, the host, is a young hustler talking to the best people in tech."

Tristanbul | Aug. 21, 2020

Such a wealth of knowledge! 🧠

"This is one of the most insightful fundraising podcasts that I have ever come across! Konstantin does such a great job of sharing his wisdom and I love how he leads meaningful conversations with gues…"

ASobering | March 31, 2022

Podcast

"This is totally amazing. I like the great ideas and wonderful work of success you have here and I will definitely recommend this for everyone. Many thanks!!"

Sat572 | April 13, 2022

Wow!

"What a great podcast! We really love it and look forward to the upcoming episodes!"

sawsw33 | June 6, 2022

Payments made easy

"The speakers bring a plethora of knowledge and Konstantin’s interviewing skills make the information easily digestible. All of the episodes made me feel more confident in my understanding of concepts…"

TaxSlay3r | May 27, 2025