I was close to abandoning this for the first two thirds, but then it gets better. The book is split into two halves: the first half alternates between dull and silly, and does little other than get the main character to the planet where the story happens; the second half finally goes about actually telling the story. And "telling" is the key phrase here, because the plot (a two thousand year-old banking fraud playing out its final act) is so complex that it requires dozens
of pages of exposition, and constant reminders in the rest of the narrative about what's actually happening.
The science-ficitonal ideas of interstellar banking and fraud woven into the story are fascinating and timely, but book is too poorly structured to make the ideas really come to life.