— New York
Est. 2024
Payney.
Finance · Markets · Crypto
Home›Stanislav Stepanenko
Stanislav Stepanenko

Stanislav Stepanenko

Founder & Technology Editor

Stanislav Stepanenko is the founder of Payney and a technology specialist working across fintech, ecommerce, cybersecurity and blockchain. His coverage focuses on how digital systems work: payment infrastructure, online commerce, blockchain networks and the security of financial technology. He brings a technical perspective to the products and infrastructure behind the digital economy.

Guides & latest articles 15
Fintech·Updated 2026-09-16
What Is a Passkey? Sign-In, Lost Phones and Recovery

A passkey is a cryptographic sign-in credential stored on your device or password manager. How synced and device-bound passkeys differ, and how recovery works.

Crypto·Updated 2026-09-15
Hardware Wallet vs Exchange: Keys, Backups, Custody

A hardware wallet stores keys and signs transactions offline; coins stay on-chain. Compare exchange custody, backup formats, passphrases and recovery limits.

Fintech·Updated 2026-09-14
Shopify Transaction Fees: What You Pay and When (2026)

Understand Shopify transaction fees, US plan rates, PayPal exceptions and refund costs, with a $100 order example and steps to check your bill.

Fintech·Updated 2026-09-14
Chargeback vs Refund: Costs and Next Steps for Merchants

Compare chargebacks, refunds and authorization reversals, follow a $100 order example, and handle a refund request after a payment dispute opens.

Economy·Updated 2026-10-18
Social Security's 2027 COLA: 5th-Largest in 35 Years

Analysts projected a 3.5% 2027 Social Security COLA before Oct. 14, 2026; Motley Fool ranks the final raise 5th-largest in 35 years amid solvency risk.

Crypto·Updated 2026-10-15
Q3 2026 Crypto Hacks Hit $1.18B as Bitget, Liquid Lose $707M

Security firm Hacken says Q3 2026 crypto hacks cost $1.18B across 107 incidents, led by Bitget's $387.5M theft and Liquid Network's $320M exploit, up 55%.

Fintech·Updated 2026-09-30
Cboe Locks Up S&P 500 Options Through 2051, Eyes Tokenization

Cboe extended its exclusive S&P 500 index options license to 2051 and may explore tokenized options, per a Sept. 29, 2026 filing.

Crypto·Updated 2026-09-29
Blockchain.com Eyes $500M IPO at $4B-$6B Valuation

Blockchain.com is reportedly targeting a $500 million IPO at a $4 billion to $6 billion valuation, down 57%-71% from its March 2022 peak of $14 billion.

Regulation·Updated 2026-09-27
SEC Staff: Token Buybacks Don't Trigger Security Status

SEC staff said Sept. 25 that token buybacks on functional networks don't make a token a security, as crypto buybacks hit a record $638 million in 2026.

Crypto·Updated 2026-09-25
Bitget Hack: $351.6M Drained From Exchange Wallets

Bitget confirms $351.6 million was drained from its hot wallets on Sept. 24, 2026, nearly double the early on-chain estimate. Withdrawals stay paused.

Fintech·Updated 2026-09-24
IBM Links Swift Ledger to Tokenized Deposits: 17 Banks in Beta

IBM's Sept. 24, 2026 beta lets banks message tokenized deposit transfers via Swift's ledger 24/7, but final settlement still runs on existing systems.

Regulation·Updated 2026-09-23
EU Warns Quantum Computers Threaten Crypto Security

EU regulators flagged quantum computing as a blockchain risk on Sept. 23, 2026, months after Ethereum's post-quantum hub drew in over 10 client teams.

Banking·Updated 2026-09-21
Hana Bank's $100M Euroclear Digital Bond Settles Same Day

Hana Bank issued a $100M five-year digital bond via Euroclear's D-FMI blockchain, settling the same day instead of the usual three to five business days.

Fintech·Updated 2026-09-20
Kalshi Files for US Stock Perps With 15.50% Margin Floor

Kalshi filed Sept. 18 with the SEC and CFTC for perpetual futures on large-cap US stocks and ETFs, with a 15.50% margin floor and a Nov. 2 target date.

Crypto·Updated 2026-09-17
S&P Global Buys OpenZeppelin, Behind $37T Transfers

S&P Global agreed on Sept. 17, 2026 to buy OpenZeppelin, whose contracts underpin $37 trillion in transfers. Terms undisclosed; no material impact on results.