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Europe is about to let in the stablecoins nobody understands Tether has never held a MiCA licence. Europe’s largest crypto exchanges list it anyway, routing round the rule rather than through it, because European users keep asking for it and European law has no answer for what happens when they get it. That gap is what the...
HMRC digitised the tax system. It forgot to digitise the taxpayer. Making Tax Digital’s first deadline lands on 7 August. Most of the people it affects still don’t know it’s coming — and the lesson reaches well beyond tax. On 7 August, roughly 864,000 sole traders and landlords will find out whether Britain’s tax system was built...
Buy now, pay later grows up. Its customers still need to. On Wednesday, buy now, pay later finally comes under regulation. I’ve argued for years that it should. And I’m still worried. Here’s why. The first time I watched a young woman split a £48 pair of trainers into four payments, she didn’t think she was borrowing....
The 2026 Accounting Paradox: Why Your Software is Not Your Watchdog In 2026, the biggest lie founders tell themselves is that their accounting software is an auditor. With QuickBooks and Xero commanding the lion’s share of the market—boasting 7 million and 4.2 million subscribers respectively—the technical barrier to entry for bookkeeping has effectively vanished. However, the paradox...
There was a time, not so long ago, when the “small” in SMB felt like a limitation. To be a small business owner was to be a juggler of a thousand hats, with the “Finance Hat” often being the most ill-fitting. You were the CEO, the marketing lead, and—by necessity—a part-time, late-night bookkeeper staring at spreadsheets until...
Private counsel for SMB founders, finance leads, and operations leaders.
© 2026 Yanka Golemin
