Know What's Happening in FinTech
Know What's Happening in FinTech
FinTech Pulse
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EMAIL DIGESTS
Daily
Every morning
Weekly
Tuesday recap
YWWSDC Group US Ltd announced it has secured both a SEC Form D filing (CIK 0002104385) and a FinCEN Money Services Business registration (MSB 31000317594954), formally placing its AI‑driven Athena Engine and Veritas Layer under U.S. regulatory oversight. The dual filings certify the issuance of 100 million common shares and authorize dealer‑in‑foreign‑exchange activities across all 50 states. YWWSDC frames these milestones as the legal foundation for its “Bridge Protocol,” intended to link the $16 trillion real‑world asset market with digital finance. The company also highlighted its Fortress Architecture, storing over 98 % of assets in cold storage and supporting 3 million TPS throughput.
Steak ’n Shake announced it has added roughly $10 million worth of bitcoin—about 105 BTC—to its corporate treasury, expanding a crypto strategy that began eight months ago when the chain started accepting Bitcoin via the Lightning Network. The company says Bitcoin payments...
I wonder how much of Stripe’s margin comes from junk fees that aren’t on any of the pretty dashboards, only the CSV that takes 24 hours to generate.
The Central Bank of Ireland unveiled a multi‑year regulatory overhaul aimed at simplifying rules, harmonising with EU standards, and strengthening supervision. The plan introduces a risk‑focused, cross‑functional supervisory model, a dedicated gatekeeping unit, and a streamlined data‑reporting framework. In January...
Meld announced the close of a $7 million strategic funding round led by Lightspeed Faction, with participation from F‑Prime, Yolo Investments, and Scytale Digital. The capital will accelerate Meld’s go‑to‑market push, expand the Meld Network, and deepen its customer‑success capabilities. Meld’s platform...
Cross‑border families that earn, own property, or hold investments in both Canada and the United States face tangled tax rules, reporting obligations, and currency exposure. A specialist advisor who understands the interaction between the CRA and the IRS can translate...
Financial applications faced a staggering 1.2 billion attacks in 2025, double the frequency of other sectors. Exploitation of known CVEs jumped 74%, while API abuse and business‑logic flaws emerged as primary breach vectors. The report underscores the necessity of Vulnerability Assessment...
BFSI firms are moving from static workflow automation to Agentic AI, which can reason, act, and make audit‑ready decisions autonomously. The new approach introduces a two‑layer architecture: an Agentic Intelligence layer that orchestrates actions and a predictive AI/ML backbone that...
KRK Jewels is leveraging lab‑grown diamonds, certification and digital tools to overcome trust barriers in online diamond sales. The brand emphasizes IGI certification, high‑resolution imagery, and detailed specifications to assure buyers of quality and ethical sourcing. By integrating education on...
Capital Skye Limited is expanding its private‑lending intermediary model for 2024, targeting borrowers sidelined by tighter bank standards. The firm connects borrowers with a network of independent lenders, emphasizing holistic assessments of repayment ability, financial stability, and loan purpose rather...
Singapore Gulf Bank (SGB) has opened a correspondent banking account with J.P. Morgan, gaining direct access to the firm’s extensive USD clearing network. The partnership introduces J.P. Morgan Payments’ Wire 365 solution, delivering near‑real‑time, 365‑day USD clearing for cross‑border transactions. By merging this...
Benji Pays launched Benji Payments, an integrated payment solution built on Adyen for Platforms. The offering lets SMBs and managed service providers choose a turnkey system or connect existing gateways, while adding automated reconciliation, customizable surcharging, and in‑app merchant onboarding....
Anchorage Digital, the first federally chartered crypto bank, is targeting a $200‑$400 million capital raise ahead of a planned 2025 IPO. The funding will support its expanding stablecoin issuance platform and broader institutional services. CEO Nathan McCauley aims to double the stablecoin...
PNC Financial Services Group reported that automation delivered 30 basis points of operating leverage across its retail and care‑center operations between 2022 and 2025. CEO Bill Demchak said the bank expects another 40 points of leverage from AI between 2025...
On Jan. 16, the U.S. Department of Education announced a temporary pause on involuntary collections for federal student loans to allow implementation of repayment reforms under the Working Families Tax Cuts Act. The reforms introduce simplified repayment plans and a...
Pay.com has expanded its payment orchestration platform by adding Paysafe as a recommended acquirer for card transactions, alongside the integration of Paysafe’s Skrill, Neteller, and PaysafeCard eCash solutions. The partnership gives merchants access to Paysafe’s extensive network, which processed $152 billion...
Animoca Brands has completed its acquisition of SOMO, a crypto‑collectibles and interactive entertainment startup. The deal adds gacha‑style on‑chain games to Animoca’s portfolio, which already includes The Sandbox, Open Campus and the Moca Network. By integrating SOMO’s technology, Animoca aims...
Fintech firm Apex Solutions has partnered with European wealth‑tech provider Allfunds to embed its fund distribution platform into Apex’s AscendOS infrastructure. The integration will give U.S. broker‑dealers, RIAs and fintech companies a single point of access to offshore mutual funds,...
UPDATE: CryptoQuant says BTC’s ~21% rebound since Nov. 21 looks like a bear market rally, not a trend reversal. They warn demand is weak, spot buying is contracting, and ETF inflows are muted. Source: The Block https://t.co/YgkEwjYAoa
Comptroller Jonathan Gould urged the elimination of Covered Insured Depository Institution (CIDI) resolution plans, arguing they lack a clear statutory basis and effectively outsource the FDIC’s receiver role to banks. He highlighted that such plans failed to prevent the 2023...
The 2025 earnings season showed major U.S. banks turning transaction banking into a digital platform rather than a back‑office utility. Investments in cloud‑native cores, APIs and event‑driven architectures now deliver real‑time cash visibility and faster cross‑border settlement. Executives highlighted revenue...
Vilnius‑based crypto exchange BTCC announced it traded $5.72 billion in tokenized gold during 2025, surpassing the $5 billion milestone. The fourth quarter alone generated $2.74 billion, an 809 % increase from Q1. BTCC also reported $53.1 billion in total tokenized gold futures volume, driven by...
Newrez will treat eligible cryptocurrency holdings—including Bitcoin, Ether, spot ETFs and US‑dollar‑backed stablecoins—as qualifying assets in its mortgage underwriting, beginning in February for non‑agency home purchase, refinance and investment loans. The assets must be held on US‑regulated exchanges, fintech platforms,...
Ingenico, Samsung, and Talus have launched a joint Mobile Business Operating Solution (MBOS) for North American merchants. The platform fuses Samsung’s Galaxy hardware, Ingenico’s payment processing stack, and Talus’s cloud‑based back‑office services into a single, app‑driven point‑of‑sale system. It supports...
The biggest threat to community banks isn’t stablecoins 🏦 @CampbellJAustin explains what actually is 👇 https://t.co/oAs3VHUr6c
The episode examines the top five categories where U.S. consumers purchase gift cards, revealing that mass merchandisers (43%) and online-only retailers (41%) lead, followed by fast‑food chains, coffee shops, and supermarkets. Data from Javelin Strategy & Research’s 2022‑2029 prepaid card...
PNC Financial Services Group announced that its $4.2 billion acquisition of FirstBank will add roughly $850‑$900 million of net interest income by 2026, fueling a broader push for national scale. CEO Bill Demchak emphasized that the deal, combined with a $2 billion branch‑expansion...
AI-driven phone answering platforms are reshaping restaurant operations by eliminating the costly inefficiency of missed calls. Restaurants typically forfeit $80,000‑$150,000 each year as 20‑30% of inbound calls go unanswered, a loss magnified across the 660,000 U.S. establishments. Solutions like Bonnie...
JPMorgan Chase announced the formation of a Private Capital Advisory and Solutions team to help companies raise private financing, including early‑stage equity, preferred stock and convertible bonds. The unit will link investors with firms seeking capital and explore secondary fund...
How do Stablecoins pull $6 trillion out of banks If the *entire* market cap of stablecoins is estimated to be $2 trillion by 2030? 🤔
M&T Bank posted a fourth‑quarter net income of $759 million, up 11.5% year‑over‑year, and earnings per share of $4.67, comfortably beating the $4.44 consensus. The results were powered by a sharp decline in non‑accrual loans, which fell 26% to $1.25 billion, delivering...
Gustavo Oduber‑Quigley founded OQ AI Creative Media to bring enterprise‑grade artificial intelligence to small‑ and medium‑sized businesses. His platform deploys custom‑trained AI receptionists that handle calls, messages, bookings and follow‑ups, delivering 24/7 customer engagement without extra staff. Powered by the...
Mid Minnesota Federal Credit Union has teamed with InvestiFi to embed a full‑stack InvestTech platform into its online banking suite. The integration will let roughly 60,000 members trade more than 6,500 stocks and ETFs, plus over 25 digital assets, directly...
TS Imagine’s TradeSmart platform reported a 44% year‑over‑year rise in fixed‑income trading activity for 2025, led by a 76% jump in government‑bond volumes. Portfolio‑trading transactions exploded 607%, while RFQ responses grew 109% and Click‑to‑Trade usage increased 81%, signalling deeper buy‑side...
Project mBridge, a China‑backed cross‑border payments platform, has processed 3.48 billion transactions worth $55.49 billion as of November 2025, up from just 160 transactions in October 2022. The digital yuan now accounts for over 95% of settlement volume, reflecting its growing role...
Tokenised loyalty programs are converting static points into portable, programmable digital assets that give customers true ownership via secure wallets. This shift enables rewards to move across apps, creating network effects and simplifying partner integrations. For growth teams, tokenised incentives...
Senator Ron Wyden has sent a letter to BNY Mellon demanding answers about the bank’s handling of wire transfers linked to Jeffrey Epstein. The inquiry highlights that BNY failed to file suspicious activity reports on 18 million‑dollar transfers until 2019,...
Quick loans have surged as a fast‑cash solution for urgent expenses, offering approval within hours. However, they carry higher interest rates and fees compared with traditional bank financing. Borrowers are urged to evaluate the genuine need, scrutinize loan terms, assess...
Private equity firms face complex fund structures and reporting demands, prompting a shift from spreadsheets to specialized software. FundCount offers an integrated platform that combines partnership accounting, portfolio accounting, and reporting, supporting multi‑currency and intricate ownership structures. The solution automates...
IronWallet launches a non‑custodial wallet that eliminates gas fees for swaps on five major blockchains, including Ethereum, BSC, Polygon, Solana, and Tron. The platform supports over ten thousand tokens across more than ten networks, allowing users to manage diversified portfolios...
Flanks and finReg360 have unveiled EDX, Europe’s first standardized financial data exchange protocol, designed to securely transmit comprehensive position data among custodian banks, wealth managers and advisory firms. The platform tackles Europe’s fragmented data infrastructure by replacing manual reconciliation with...
Gold‑backed financing lets borrowers pledge physical bullion, coins or bars as collateral to secure loans without selling the asset. Lenders typically extend 60‑80% of the gold’s market value, offering lower interest rates and faster approvals than unsecured credit. The structure...
European real‑estate is at a crossroads as land scarcity and abundant household savings drive investors toward income‑generating assets. InRento CEO Gustas Germanavicius identifies three 2026 trends—sustainability mandates, building conversions, and fractional ownership—that will reshape the market. Stricter ESG rules are...
Fincite’s CIOS platform has introduced over 70 new features in 2026, targeting the core pain points of wealth‑management advisers. The Strategic Asset Allocation tool uses algorithms to auto‑optimise client portfolios and visualise changes instantly. An ad‑hoc instrument creation module lets...
Is the stablecoin space "speed running" the problems we saw in banking-as-a-service? @AlexH_Johnson and I did a bonus ep of Fintech Recap, discussing what lessons banks & "infrastructure" companies should learn from the Kontigo mess. https://t.co/kh6Hi6EYHb
Gusto, the payroll and HR platform serving over 400,000 small businesses, has launched a beta program with crypto infrastructure provider Zerohash to enable stablecoin payouts for international contractors. The new option lets eligible workers receive U.S. dollar‑denominated stablecoins with settlement...
PNC Bank CEO Bill Demchak told investors that stablecoins must be classified either as payment tools or as money‑market‑fund‑like investment products. He warned that offering interest blurs that line and would subject tokens to the same strict oversight applied to...
Coinbase pulls support from crypto market structure bill Policy pivot: Coinbase deciding regulatory status quo better than codified framework. Implications for crypto industry - unified lobbying front collapsing. Does this strengthen or weaken path to comprehensive legislation? https://t.co/moOU63OeQc
Merchants are hitting conversion walls because legacy checkout systems can’t keep up with mobile traffic and buy‑now‑pay‑later demand. Adobe’s Payment Services, built into Adobe Commerce and Magento Open Source, offers a unified payments layer that simplifies adding digital wallets and...
Crypto credit and debit cards have surged from roughly $100 million in early 2023 to over $1.5 billion monthly by late 2025, creating an $18 billion annualized spend that nearly matches peer‑to‑peer stablecoin transfers. The market grew at a 106 % compound annual growth...
