Tatiana Kovtuna · Independent writing

Finance, power,
and the systems beneath.

Clear thinking on fintech, capital, growth and the forces shaping modern work.

Riga · 2026

Latest writing

Essays and notes from the field.

02

FinTech

Retail Investor: A Blessing or a Curse?

Retail access transformed capital markets. But when simple interfaces conceal complex risks, democratisation can create a new kind of fragility.

03

Crypto & power

You can’t beat the casino

What Donald Trump’s financial disclosure says about crypto income, memecoins and who really wins.

04

AI & economics

The chains disappeared. The incentives remained.

The real near-term leverage of AI may be the threat of replacement rather than replacement itself.

05

Money & society

29 people and half of humanity

A few clear numbers about global wealth—and what ‘equal opportunity’ looks like on a balance sheet.

06

AI & medicine

AI found what humans could not

A fertility breakthrough shows where computational scale becomes uniquely powerful—and why useful ideas travel between industries.

07

Leadership

Leadership, friendship and work

What happens when professional relationships become something deeper than results.

About the author

Complex products need clear positioning.

Tatiana Kovtuna is a FinTech strategist focused on positioning complex financial products, go-to-market strategy and investor communications.

Her work has helped raise more than €100 million from European retail investors. YOLO/WORKS brings together her independent analysis of finance, technology, risk, marketing and leadership.