Regulations Lag as Algorithms Dominate High‑speed Markets
Financial regulations were built for humans making decisions Now we have algorithms negotiating with algorithms at microsecond speeds The entire framework is obsolete We're regulating the horse while the rocket ship launches
Mortgage Rates Rebound From Historic Lows to 6.3%
Average 30-Year Mortgage Rate in the US… 1970s: 8.9% 1980s: 12.7% 1990s: 8.1% 2000s: 6.3% 2010s: 4.1% 2020s: 5.3% --- All-Time Low (Jan 2021): 2.65% 2023 Peak (Oct 2023): 7.79% Today's Rate: 6.30% https://t.co/Ji2noTwgDL
Banks Favor Real Estate Over Stocks for Loans
You can’t call the bank and say: “I’d like to borrow $240,000 to invest in the S&P 500.” They’ll laugh at you. Ask for $240,000 to buy a rental property and they’ll hand it to you. The bank has been telling you which asset...
Bowman Warns on AI's Impact in Finance
Speech by Vice Chair for Supervision Bowman on #artificialintelligence in the #Financial system https://t.co/IhR7VLeOSz #AI #USA @SpirosMargaris @ahier @JimMarous @TheRudinGroup @FinMKTG @Hana_ElSayyed @Khulood_Almani @HaroldSinnott @GlenGilmore @AkwyZ
Legal Residency Shouldn't Matter, but Stripe Still Cares
“No matter where you live” … I’m not saying that SHOULD matter, but legally it does. You’d think @stripe knows that?
Anchor Bank Takes Over Community Bank’s Insured Deposits
Very small bank failure Friday. Anchor Bank Assumes Insured Deposits of Community Bank and Trust - West Georgia, LaGrange, Georgia https://t.co/UAZCPbkPG9 https://t.co/CIOVBwE8kg via @FDICgov
Nearby Payments Let Friends Toss Money Instantly
Nearby payments was the feature. Many drinks in, and the idea that we could throw money at each other through the air from iOS *and* Android felt VERY fun. There are a lot of little Easter eggs we are playing...
Bluetooth Replaces QR Codes for Multiplayer Payments
You know what’s even more cringe? Using a QR code in 2026. Bluetooth is the way. Multiplayer money is here.
Lender Concessions Halve as Redemptions Surge
Direct lender concessions just collapsed. Q4 2025: 67% of lenders made borrower-friendly concessions to win deals. Q1 2026: 31%. The discipline showed up the moment the redemptions started. Funny timing. Source: William Blair
Avoid Fake Entities—Bank Fraud Laws Are Broad
A word to the wise. Don't invent a fictitious entity and attempt to open a bank account for it. The laws for bank fraud are drafted *broadly.*
Hidden Risks Loom in Bank Loan Portfolios
The Weekly Quill — The Elephant in Bank Loan Books Take your weekly deep dive with us — Danielle DiMartino Booth, Jonathan Basile and QI Research https://t.co/gfQJcgUb1B #federalreserve #powell #dimartinobooth #economy https://t.co/6H7LpTbeKF
From Libra to Meta: David Marcus on Agentic Commerce
Fresh off the Meta doing Stablecoins, and @lightspark announcing grid global accounts We have the PERFECT guest coming Monday @davidmarcus Former PayPal CEO, reflects on the journey from Libra, to Meta doing Stablecoins to Agentic commerce 👇
Clarity Act Set for May Markup, June Vote
CLARITY ACT: 🇺🇸 Senate Banking Committee chair Tim Scott says the bill could reach a bipartisan markup in May and a full Senate vote in June or July https://t.co/U7KsUSxVHh
Nubank Rolls Out Interim Product with Lead
Mini-scoop: @nubank, which has already received conditional approval of its U.S. bank charter, appears to be launching an interim product with Lead Bank, per disclosures available on its site: https://t.co/o9MHWk0Alv
Erebor Bank Taps Coastal Community as Correspondent
Mini-scoop: @ereborbank is leveraging Coastal Community Bank as a correspondent, per an investor presentation Coastal filed with the SEC earlier this week: https://t.co/wcCDzWsTIy
Card Use Rebounds, yet Low‑income Households Feel Tighter
BofAI: Overall average card utilization is close to the pre-Covid period…but there was less wiggle room for lower-income households in March 2026 https://t.co/ruOWs46POD
Banks Shun Risky Sectors, Even Professional Football Clubs
Interesting to see a bank deciding not to invest/lend to some industries for ethical and reputational risk reasons. I can understand why not wanting to touch unregulated charities, animal testing, adult entertainment, crypto and Marijuana...and then there is Professional Football...
Banking's Future Measured in Agent Capital, Not Humans
The next evolution of banking may be measured in Agent Capital, not human capital. In this episode, Ryan Caldwell of @mX and Derek White of @Primitive_agent explore how AI agents will reshape the bank P&L and growth strategy. 👉 Watch the full...
Card Spending Growth Remains Strong Despite Iran War Shock
BofA: Total card ex gas spending growth continues to run at healthy levels despite the shock from the Iran war https://t.co/EZSBhhElrt
BOE Pauses Digital Pound While Competitors Accelerate
BOE considers keeping the digital pound on ice as rivals race ahead https://t.co/Un1uISiQVD via @tomelleryrees https://t.co/Hp6lRnRs2z
Even Top Risk Models Miss the Unexpected
Why risk models can fail Even the best models can’t predict the unexpected. #Risk #FinancialMarkets https://t.co/Y9vUuyQLeN
Banks Must Audit Geographic Clauses After Goldman Blocks Claude
Goldman Blocked Claude in Hong Kong After Contract Geography Reinterpretation Anthropic: never officially supported there. Other models remain. Despite lockout, still building agents together. Risk: banks must audit geographic clauses - DOJ/BIS enforcement threat https://t.co/5uz3V5sbt7
SMEs Miss Hidden Risks Until Fine Print Triggers Bankruptcy
Most SME owners, they CAN tell you what they signed. BUT, likely almost none of them can tell you what happens when it goes wrong. That’s where the real exposure lives. A Singapore casino nearly bankrupted a Malaysian business owner through debt...
Chinese Banks Post Q1 Profit Rebound on Steadier Margins
1/9 Caixin: "China’s major state-owned and joint-stock commercial banks showed a broad rebound in revenue and profit in the first quarter of 2026, driven by stabilizing net interest margins as funding costs improved." https://t.co/eF2k1cx4c9
Revolut Shifts Toward Platform, Targets US License, IPO
Revolut is evolving from a product into a platform. With ambitions for a U.S. banking licence and a future IPO, CEO Nik Storonsky is pushing to turn rapid growth into lasting scale. It reflects a broader ambition. Becoming part of everyday language...
Master Apple Card Money Flow to Maximize Rewards
Just joining the complex Apple Card ecosystem? It's smart to learn how to move your money around, including funding your Apple Cash. Here's a primer that explains how everything interrelates and how to maximize your rewards: https://t.co/ZPP9OBmIZw #applecard #applecash #banking...
How Visa, Mastercard, Amex Make Money Visualized
Do you understand the business model of Visa, Mastercard, and American Express? Here it is explained visually:
Private‑market Collateral Loans Are Slow to Unwind
"If you ever need to take a loan against private market or real estate collateral or try to liquidate it in some circumstances, it is not something you're going to unwind pretty quickly." ⚠️ ~ @dunleavy89 https://t.co/GyyjXhZlgW
Outlier Events Demand Revised Risk Underwriting
"You can't just say that was an outlier and go back to the old model because this thing happened, so you have to re-underwrite the risk profile." ⚠️ ~ @dunleavy89 https://t.co/GyyjXhZlgW
Earn on Spending or Subsidize Banks—No Middle Ground
You’re either earning on your spending, or subsidizing your bank. There isn’t a third option. 3% on everything, 15% on food + rides, or nothing 💳 Most people will read this and do nothing. 👇 https://t.co/W72fnPrAXx Thanks @ether_fi for sponsoring the show
Simple Bitcoin Lending Yields Align with Market Expectations
.@adcv_ can't price the risk on a complex multi-collateral lending market. But he has a very clear view on what overcollateralized Bitcoin lending should yield, and it's pretty much exactly where the market has it. Simplicity is the only thing...
Banks Go Digital, Yet Minds Still Expect Branches
all banks are now in the command line but most people still think banking requires: • branches • business hours • paperwork • waiting The infrastructure evolved The mental models didn't
UWM's VantageScore Option Can Cut Mortgage Rates
The nation's top mortgage lender (UWM) has rolled out a VantageScore option for customers. Borrowers who qualify with FICO but have a higher VantageScore could obtain better pricing due to lower LLPAs. However, b/c VantageScore is new and untested, it must be...
Mastercard Q1 Revenue Surges 16% with Strong EPS
𝐌𝐚𝐬𝐭𝐞𝐫𝐜𝐚𝐫𝐝 𝐄𝐚𝐫𝐧𝐢𝐧𝐠𝐬 𝐇𝐢𝐠𝐡𝐥𝐢𝐠𝐡𝐭𝐬 (𝐐𝟏) 💰Revenue: $8.4B (+16% YoY) 💰EPS: $4.60 (+23% YoY) 💰Operating Margin: 60.8% 💰Net Income: $4.1B; (20% YoY) 💰Gross Dollar Volume: $2.7 trillion 💰$11.7B reaming to buy shares Stock price: $506
Bankruptcy Survivors Become High‑interest Car‑lease Targets
“I’ve done car leases for people who were newly discharged from bankruptcy. These people can get financing at very high rates such as 19% or 25% interest. Because they just went bankrupt they have no debt. In my mind, this...
Major FinTech Sponsor Bank Goes Live on Tempo
One of the most important sponsor banks in Fintech is now live on @tempo for cross border payments A bank. Live on Tempo.
AI‑Driven Finance Outpaces Regulation, Challenging Human Oversight
Zero-human finance is already here Here's what regulators are missing: 🤖 AI agents executing trades without human oversight across 47 exchanges simultaneously ⚡ Smart contracts settling billions in value with no KYC, no AML, no compliance officer 🌐 Autonomous protocols making lending decisions based...
Bank Savings Earn 0.01%, T‑Bills Yield 3.5%
Big banks rip you off. BoA, Chase, and Wells Fargo pay ~0.01% interest on your savings. They earn BILLIONS off your cash by lending it out at 6.5 Instead of keeping your savings there, consider Treasury Bills paying ~3.5%, state tax free, backed...
Card Spending Rises 7% as K‑Shape Widens at Top
💳BofA: “Total card spending per HH was up 7.2% y/y in the week ending Apr 25, according to BAC aggregated credit & debit card data. Ex gas spending was up 6.4% y/y, in part due to favorable base effects from...
Emerging Market Loans Default 3.5%, Recovery Beats Benchmarks
Global Emerging Markets Risk Database w over 3 decades of lending data from 29 multilateral development banks, documents average default rate of 3.54% for loans to private entities in emerging markets alongside recovery rates that exceed global benchmarks https://t.co/zT7IRupC9M
Bank-Friendly Rates Boost BBVA Buyback; Buy on Weakness
Macro: rate backdrop supports banks. BBVA starts €1.46bn buyback (up to 429.6m) May–Aug; venue caps. Risk: liquidity distortion/suspension. Trading insight: buy on weakness. — Viktor Kopylov, PhD, CFA More insights: t.me/si14Kopylov
Tokenized Collateral Could Unlock $500B Annual Interest Savings
Tokenized collateral is coming, and no less than the NASDAQ is trumpeting the half trillion dollars in annual interest saving from mobilizing idle collateral. In NASDAQ’s survey of 203 global market participants, 52% of global financial institutions expect to actively manage...
Banks Must Lead AI Agent Identity Standards
Amir makes a good point. Banks need to be at the table in debates over AI agent identification https://t.co/A5aUTxNI3q "Managing identity, authorization, fraud risk and liability is of paramount importance for agentic commerce to be adopted broadly." https://t.co/DgsELATQrB
Social Engineering Breach Forced Me to Quit Wells Fargo
Last month my WellsFargo online banking account was taken over theu a social engineering attack on the WellsFargo call center. (I know this because a fraud investigator walked thru their logs with me; account phone number changed via call in...
Agentic AI: From Answers to Action in Banking
Agentic AI is not about answering questions. It is about taking action. In this episode, I explain why moving from passive to autonomous systems is critical for the future of banking. 👉 Watch the full episode: https://t.co/Sk040KYyAk https://t.co/BJPjJXhpkH
Six Fintech Startup Predictions for 2026
Six #Fintech #Startup Predictions For 2026 https://t.co/gsnoGYCtY6 #GoogleAlerts #AI #VentureCapital @SpirosMargaris @ahier @sallyeaves @efipm @anand_narang @TerenceLeungSF @davidjmaireles @JimMarous @FrRonconi @davidjmaireles @FinMKTG @BetaMoroney @JohnNosta @dinisguarda @mvollmer1 @JohnNosta @Khulood_Almani @HaroldSinnott @Fabriziobustama
Private Banks Create 80% of US Money, Not the Fed
My take on @UnsiloedPodcast on what macroeconomics textbooks won’t tell you: "About 80% of US broad money is produced privately by commercial banks. It's not produced by the Fed. The elephant in the room is commercial banks. That’s where money is...
Powell to Remain Fed Governor, Echoing 1948 Precedent
POWELL: WILL CONTINUE TO SERVE AS A GOVERNOR FOR PERIOD OF TIME - Bloomberg **Last time this actually happened? 1948 — Marriner Eccles got the boot as Chair and kept his seat on the Board until 1951. - Grok
Powell Encouraged by DOJ Probe Drop, Remains Governor
Fed Chair Powell says he's "encouraged" by DOJ moves to drop its probe and defer to Fed inspector-general but suggests he plans to stay on the board as a regular governor for the time being.
Payments Industry Embarrassed as Stripe Dominates Agentic Commerce
its a little embarrassing for everyone in payments that you're just letting stripe run away with agentic commerce