Mailing checks to pay off a credit card in 2026 sounds like a joke, but it is still a real debt consolidation workflow at scale. Greg Myers sits down with Jose Bethancourt, Co-Founder and CEO of Method, to unpack why liability payments are uniquely messy and what it takes to make them feel as seamless as modern fintech promises.
Jose shares his path from growing up in South Texas near the Mexico border to building products at UT Austin, then turning a personal problem into a company. GradJoy started as a way to help new graduates understand student loan debt, interest rates, and payoff strategies, but it quickly revealed a deeper issue: people often cannot even locate their liabilities, and credential-based financial data access is brittle. Method tackles that with an identity-based financial connectivity API that, with consent, can find student loans, credit cards, mortgages, auto loans, and personal loans, then enable two-way flows that support both reading data and sending payments to creditors.
We also get into what this unlocks for underwriting, personalization, and better customer outcomes, plus how it can reduce errors and fraud compared to manual PAN entry and back-office check operations.
Jose lays out a forward-looking view of AI in payments, agentic payments, and a world where an AI agent can securely analyze your debt, shop for a better APR, and execute payoffs. Finally, we step back to discuss consumer demand for speed, why ACH still shapes reality, and how RTP and FedNow may push expectations even further.explainable with human-readable rules.
