Crypto Tokens Thrive Amid Private Credit Crisis
Private credit is having its worst crisis in a decade. Blue Owl gated a $1.6B fund. Blackstone hit redemption caps. Meanwhile, crypto builders are constructing the parallel infrastructure. In this article, we break down three tokens positioned at the center of that convergence. https://lnkd.in/eYrnZ25D
Outdated Credit Models Stifle Consumer Opportunity and Bank Growth
If credit decisions only look backward, how can we support forward progress? In this episode, I discuss why relying on outdated credit models limits opportunity for consumers and growth for banks. Watch the full episode now: https://t.co/m6PArSdD2z https://t.co/BKhnOAD5Lg
Mobile Wallets Boost Security and Credit Card Rewards
Using payment services like Apple Pay and Google Pay can offer extra security and encourage you to maximize your credit cards. https://t.co/VPFoaKTwsB
Software Debt Crisis Looms as Rates Surge, AI Disrupts
The software debt wall: * $40B maturing 2028, mostly junk-rated * 53% rated B- or lower * a third of them already trading at 80¢ on the dollar * distressed software loans doubled in jan to a record $25B * banks now restricting lending to...
Fed's Treasury Holdings Surge, Echoing Past Funding Crises
Preparation for liquidity crisis to minimize repo/money market volatility that are threatening credit spreads due to oil spike and growth contraction from Trump trapping US-Israel War on Iran. #HYOAS “The Fed now holds about $358B in Treasury bills. That’s higher than the...
EU Savings Union Could Launch This Year, Says Harris
EU savings union can be ready this year, Ireland’s Harris says https://t.co/ncveXVZHvW via @jenniduggan @livfletcher_ https://t.co/9gb3pbnbBC
Machine Economy Relies on Crypto, Not Traditional Payments
When your AI agent needs to pay another AI agent Venmo won't work PayPal won't work Wire transfers won't work Crypto is the only rails that make sense The machine economy runs on machine money
Crypto Powers AI: Robot Money for Autonomous Workers
We're building: • AI that can think • AI that can create • AI that can decide But we're using: • Banking systems from the 1970s • Payment rails that require humans • Financial infrastructure that assumes flesh This is the gap crypto fills Robot money for robot workers
Co‑operative Bank IT Collapse Exposes Governance Failures
Digital Hubris and the £349 Million Mirage — The Collapse of the Co-operative Bank’s IT Transformation A Masterclass in Governance Failure - Five Lessons to Learn Great read by Frank Schwab https://t.co/sKpx4mOYMF https://t.co/KUTIUvoGyT
Fed and FDIC to Vote on Trump-Era Basel Proposal Thursday
ICYMI: The Trump-era Basel bank capital proposal is coming Thursday, and the Fed and FDIC are having open board meetings at the same time to vote on it https://t.co/u34TWtDk8w https://t.co/TlK4sinLwp
AI Adoption Soars, Governance Lags Behind in APAC Finance
Adoption Accelerates but Governance Lags: 61.2% of APAC Finance Firms Run AI in Production @Money2020 data: 61.2% live deployments, 35.3% exploring, 3.5% not adopted. Generative + agentic AI moving beyond chatbots into unstructured data analysis, customer conversations, autonomous tasks. Risk: bias...
Banking's Gravity Shifts to Smartphones, Not Branches
The branch is no longer the center of gravity. Smartphones and the Internet define where banking lives today. Adapt or become irrelevant. https://t.co/13Zq2pzn3j
Mark‑to‑market Loans Inflate Fund Equity, Lower Risk Weighting
Funds typically mark to market their loan portfolios and their debt, likely resulting in a significant difference in reported values and actual equity. As a reminder, loans to funds from large banks typically have a lower risk weighting than if...
Bank Loans Hit Record; Deposits Surge, Trading Revenues Soar
H.8 bank loans rose for the 18th week in 21 to a record high w C&I up for the 7th week in 8. Deposits up for 6 straight weeks for the 1st time since mid 2024 to a near...
UniCredit's €35bn Hostile Bid Meets Commerzbank Resistance
Good Morning from #Germany, where UniCredit has launched a €35bn hostile takeover bid for Commerzbank, offering a premium of just 4% over Friday’s closing price, acc to BBG calculations. Commerzbank's management is likely to rebuff UniCredit's €30.8 per share offer,...
UK Banks Surrender over a Third of Market to Fintechs
UK banks have lost at least a third of market share to fintechs - https://t.co/Rr47lI3LqE
US Banks Hold $300B Private Credit Exposure, Wells Fargo Leads
⚠️US banks have ~$300 billion in exposure to private credit: Wells Fargo leads with $59.7 billion in loans to private credit funds. JPMorgan, which recently marked down software-linked loans and curbed lending, has $22.2 billion in exposure.👇 https://globalmarketsinvestor.beehiiv.com/p/us-stocks-posted-the-worst-week-since-october-amid-surging-oil-prices-weekly-market-recap-trading-we
AI Redefines Asian Wealth Management for Clients and Advisors
The Private Banker in the #AI era – impact for clients, and advisors: How AI is reshaping #WealthManagement in #Asia, key themes emerging so far and the questions clients and bankers should be asking. @WealthBriefing, @WBAsia: https://t.co/qwZEmz6tnc #WealthTech #SoutheastAsia https://t.co/uoVx1NCzNB
Digital Challengers Deliver Real‑time Offers; Incumbents Must Adapt
Digitally enabled challengers meet customers in real time with relevant offers. Traditional institutions must rethink how and where they show up. https://t.co/SiOwf3NiXx
Average SWIFT Transfer Time Revealed From 5,000 Payments
🌐💸 How long do SWIFT payments take? Insights from 5,000+ #payments. @Statrys: https://t.co/rKogdaVxWp #DigitalBanking #remittances https://t.co/S3og7b23fo
Banks Fund Old‑school Firms, Ignore Modern Ventures
banks won't touch: – your nightclub – your shopify store – your crypto token banks trip over themselves to fund: – plumbing company with 30 years history – logistics business with 5 contracts – clinic doing $500K/year know the game
Mortgage Rates
Rate locks between 6.20% - 6.35% corrinadting with positive purchase application data and weekly pending sales all year long, so far, yes. At 6.41% today is the first day that pricing is above the September 17th, 2025 data point https://t.co/lqWqldYe3s
2026 Mortgage Rates Show Record‑Low 42‑bp Spread
Since 2000, the average year has seen an 87 bps range between the highest 30-year fixed mortgage rate reading in the calendar year and the lowest reading So far in 2026, that range has been 42 bps Lowest this year: 5.99% Highest...
Bilt Users Report Unpaid Rents and Poor Support
Impacted Bilt users continue to complain about rent payments not being made to their landlords, difficulty accessing human customer support:
Cash App Shifts From Underbanked Aid to Gambling Gateway
cash app used to pride itself on helping the underbanked. now its... lets connect the underbanked to digital casinos i guess
From Garden Network to Open Gates: Building the Future
Fun story: I first signed up for Cash App in 2018 when colleagues quoted the old Cash App ads at me: "We aren't using the other apps anymore." Our network was a garden that drove hyper growth for a decade. Now, it's...
ECB's Panetta: Private Sector Drives Cross‑border Payments
ECB’s Panetta says the private sector is key in cross-border payments https://t.co/dYdaPPXjLl via @Alemrome https://t.co/dkpP47DCou
War-Driven Rate Hike Adds $130/Month on $600k Mortgage
For a $600,000 home, a borrower will now have to pay $130 more per month than what they would have paid the day before the war started when rates were 5.99%
Banks Shifted $300B Risk to Private Credit Funds
$300B in bank loans to private credit funds, BDCs, and CLOs. "Private credit moved risk out of the banking system" was always the pitch. The banks just lent to the funds instead of the borrowers.
People Rarely Change Their Banking Apps
I'm not sure how accurate this is, but I do know that nobody ever switches their banking app. https://t.co/sSoj6aN1T6
Visa, Mastercard Thrive on Payment Rails, Not Lending
V x MA The world is moving toward digital payments. Visa and Mastercard sit at the center of that shift. They don’t need to lend money to win. They own the payment rails that banks and merchants rely on. Every swipe is another transaction on...
Bank Pull‑backs Expose Private‑credit Risk Like 2008
The part that rhymes with 2006-2008 is that Banks were providing warehouse lines to Mortgage Co.'s who would then originate mortgages & Wall Street would buy them, repackage them (MBS/CDO's) & sell them to the world. When delinquencies spiked, the...
Local Currency Checkout Boosts International SaaS Revenue 20‑40%
Worked with 60+ startups and a common repeated mistake that left a lot of money on the table: Charging international users in USD The data is pretty clear — local currency checkout increases international conversion by 20-40% SaaS founders can now do this...
Free AI Dashboard Gives Retail Investors Bloomberg-Level Insights
Perplexity just gave every retail investor a Bloomberg Terminal. For free. Watch this demo. It's wild. @perplexity_ai connects to brokerage accounts via @Plaid and builds a custom investment dashboard in seconds. Perplexity Computer pulls from 40+ live finance tools like: - SEC filings -...
Wirecard Warned Us—Are We Finally Spotting Red Flags?
#FlashbackFriday In 2020, I suggested Wirecard wasn’t an anomaly but a preview. Have we learned to spot the red flags yet? https://t.co/X77GE1HPPS Yesterday’s future. Progress optional. #Fintech #CorporateGovernance #RiskManagement
24/7 Collateralized Funding Essential for Fast Payments
The payments system will only be as accessible as the discount window. We should be able to fund exchange money 24/7 with the ability to draw upon overnight funds that has collateral pledged. Otherwise, liquidity risk elevates with the speed...
U.S. Housing Bubble Frozen, Equity at Risk
The U.S. housing market isn’t slowing down, it’s frozen. Homes are massively overpriced, and when prices finally fall, millions of homeowners could lose their equity and banks will be stuck with bad mortgages. This is exactly what happens when decades...
AI Payment Stack Winners Will Shape the Machine Economy
The machine economy needs machine money Stripe = fiat rails meeting crypto Coinbase = crypto rails meeting consumers Ethereum = the settlement layer for everything Whoever wins the AI payment stack wins the next decade My bet? All three, different use cases
30‑Year Mortgage Rates Likely Stay Below 7%
Questions to ask: - How high can the 30-year fixed go again? Is 6.5% a reasonable guess? Is 7% out of the question? I think 7% is unlikely as we'd be getting into recession talk and bond yields would likely...
Trust Alone Won’t Win; Blend Speed, Experience
Big tech wins on experience. Fintech wins on speed. Banks win on trust. But trust alone is no longer enough to secure primacy. Learn how to compete. Download The Power of Primacy free: https://t.co/k3GpJ9wvLy https://t.co/tNHJpeGRm4
Mastercard Partners with Crypto Firms to Scale On-Chain Payments
Mastercard Launches Global Crypto Partner Program with Binance, Ripple and More 85+ partners including Binance, Circle, Ripple, Gemini, PayPal, Paxos. Focus: cross-border remittances, B2B transfers, settlement. Blockchain networks: Solana, Avalanche, Aptos, Polygon. Core belief: on-chain payments scale via integration with existing...
Prometeo’s Ximeale Man Joins Camp Hustle, Expands North
I'm excited to annouce that @ximealeman is joining us at Camp Hustle this year. Her company, Prometeo, built open banking infrastructure across Latin America. Now they're scaling north. 🧵 https://t.co/FuTF4Xr1CS
BorrowerJustice Urges CFPB Oversight of Bilt's Risky Transition
Consumer advocacy group @BorrowerJustice has asked the CFPB to bring Bilt under its supervision, owing to the risk posed to consumers from the company's problematic transition to new bank partner Column and processor Cardless. https://t.co/l6UDTQyZjI
Only Use Unsecured Loans when Cash Flow Covers Payments
“Although I caution anyone from doing unsecured loans, I have done some... To minimize risk [I make] sure that the money will be invested in a manner that will increase sales and profits at the business and also that the...
Oil Surge Drives Canadian Mortgage Rates Above 4%
Mortgage Rates Go Up: As The Price Of Oil Goes Up So Do Mortgage Rates Unless the War In The Middle East ends quickly we will soon see most Mortgage Rates in Canada start with a 4 And ZERO chance of Bank...
AI Job Shock Could Threaten 10% of Australian Mortgages
When AI Hits Jobs: Macquarie Warns Mortgage Stress Could Ripple Through Australia's Banks AI-driven employment shocks could put 10% of mortgage payments at risk. Banks currently priced for "near-perfect outcomes" with minimal buffer. Australia's steady growth masks historical unemployment spikes: 11%...
Banks May Tighten Borrowing Bases Amid BDC Outflows
"It is possible that in response to non-traded BDC outflows, banks like JPM could become more diligently managing (down) borrowing bases to avoid being the funding source of those retail outflows." -- Via Wells Fargo analysts https://t.co/0vm2LXopvD
Nevermined AI: The Original Slim Shady of Payments
Watch this space. @Nevermined_ai is the OG Slim Shady of AI agent payments All the other Slim Shadies will need to sit down.
ECB Embraces Tokenized Securities with 2026 DLT Rollout
🔥 Product-Market Fit so strong, even the stablecoin-skeptical European Central Bank is planning tokenized securities. Pontes (Short-term Solution): A technical distributed ledger technology solution scheduled to launch in Q3 2026. It will allow market participants to settle transactions in central bank money using...
Banking Apps Leaked Other Customers' Transaction Details
Lloyds, Bank of Scotland and Halifax apps showed customers other users' transactions https://t.co/eOyyiGggxP Can an informed person explain what actually went wrong here? I am so curious https://t.co/RE7RR6W41z