Fifteen seconds change everything.

Once you feel instant access, you expect it everywhere. After that speed, you don't want to go back to the old way.

Last week, I tried something that left me genuinely amazed. I applied for the Coinbase Card, expecting the usual processof filling out details, approvals, and delays. Instead, what I got was a journey that lasted all of fifteen seconds. A few screens later, I had a brand-new credit card ready in my Apple Wallet; no waiting for plastic (or metal, in this case) to arrive in the mail. BTW, the card is beautifully designed, and I could spend a newsletter on just the story behind it and itsdesign.

Fulcrum Question: When instant becomes normal, what becomes the moment only you can own?

Behind the curtain, this experience is crafted by Cardless, Coinbase, and Amex, and it is how financial services should feel. It’s quick, it’s seamless, and it makes you wonder whyall cards aren’t issued this way already.

Yes, I know “tech” is expensive, and we move with caution. However, here’s the deal: Amex’s Agile Partnership Platform, Cardless, Coinbase, and, don’t forget, First Electronic Bank all had to come together to create this seamless experience.