PhonePe’s Merchant Network Cross 47 Million Businesses Ahead of IPO
PhonePe’s updated Draft Red Herring Prospectus reveals its merchant ecosystem now spans 47.19 million businesses, covering 98.6% of Indian pin codes and representing roughly 78% of the nation’s trade and services merchants. The platform supports 9.19 million physical payment devices and a field force of over 25,000 agents, driving high daily merchant engagement. Merchant lending has exploded, with disbursals rising from Rs 0.11 billion in FY23 to Rs 45.07 billion in FY25, contributing Rs 2.88 billion in H1 FY26 revenue. Merchant payments generated Rs 19.9 billion in FY25, about 28% of total revenue, on a TPV of Rs 15 trillion.
30‑Minute Window Holds 67% of Your Profit
"67% of your potential profit was hidden in a single 30-minute window each day." How do you get such stats? You need a powerful trading journal: https://t.co/Tv7Ihsxugk. Check the example below. 👇 This isn't luck. 🙂 ✅ It's deep data analysis made simple. @TradesViz's Multi-Timeframe...
“We Are Building on Top of an Immature Ecosystem”: Day 1-1000 of Bujeti
Bujeti, a Lagos‑based fintech founded in 2021, has transformed from a diaspora remittance app into a comprehensive finance control centre for African businesses. The platform now offers corporate cards, expense limits, payroll, automated VAT vaults and an AI‑powered assistant, serving...
Florida Senate Passes State-Level Stablecoin Bill, Awaits DeSantis’ Signature
Florida’s Senate unanimously passed Senate Bill 314, creating the nation’s first state‑level regulatory framework for payment stablecoins. The bill amends the state’s anti‑money‑laundering statute to explicitly cover stablecoins and requires issuers to register with the Office of Financial Regulation, with...
Instant $68M Inter‑Company Settlements Using USDC
We’re eating our own dog food. We’ve begun using our own platform to settle inter-company settlements — $68M across 8 entities. Under 30 minutes. 24/7. Our Treasury team did this with USDC and Circle Mint — replacing fiat wires that take 1-3...
Aave's GHO Supply Hits $565M, Targets $1B Year-End
Aave’s second business line, GHO, has now reached $565M in total supply. On the way to $1B by the end of the year. https://t.co/qyG76L2Z1L
Have We Underestimated the Benefits of Mastercard Priceless?
Mastercard’s Priceless program provides cardholders with exclusive discounts, elite status upgrades, and hard‑to‑get tickets to events across the UK and globally. Recent experiences show access to sold‑out theatre shows, backstage ballet rehearsals, and charity‑linked UEFA Champions League tickets. Many offers,...
OceanAir Bridges Credit Union Transformation Gap
[New Episode] How OceanAir Is Closing the Credit Union Transformation Gap. Interview with Jesus Garcia of @OceanAir_CU. Watch the latest episode on the Banking Transformed Podcast channel on YouTube. Watch the latest episode sponsored by @Q2_Software: https://t.co/VtR2LEbWma https://t.co/cisrp4Lmlv
US Users Test X Money by Donating to Shatner
If you are a US resident, willing to test X Money for feedback (need to donate to @WilliamShatner 's charity). More Greenback digitalization 😉 https://t.co/ZIp8QncQ4J
CFOs See Month-End as the Front Line of Finance Automation
Month‑end close remains one of finance's most labor‑intensive tasks, with spreadsheets and manual reconciliations still dominant despite ERP deployments. CFOs are now adding automation layers that ingest data from payments, banks, and internal systems to reconcile records using rules and...
Alchemy Pay Hits 15 Money Transmitter Licenses With Delaware Win
Alchemy Pay announced it secured a Money Transmitter License in Delaware, bringing its total U.S. state coverage to 15. The company added four licenses this year, including Nebraska, South Dakota and West Virginia, expanding its regulated fiat‑crypto payment network. Alchemy...
First Fidelity Bank Taps Bud Financial for Insight-Driven Digital Banking Upgrade
First Fidelity Bank (FFB), a regional community bank with $2.9 billion in assets, has gone live with Bud Financial’s Enrich and Engage platforms to upgrade its digital banking experience. The partnership embeds Bud’s transaction‑data enrichment and personal financial management (PFM) widgets—such...
Banking Associations Push Back on Kraken Fed Account as Stablecoin Issuers Wait
The Federal Reserve Bank of Kansas City granted Kraken Financial a limited‑purpose account, marking the first pilot of a Fed‑backed banking solution for a crypto exchange. The American Bankers Association and the Bank Policy Institute quickly criticized the move, arguing...
Swift Moves Ahead with Retail Cross-Border Payments Network
Swift has introduced a new framework for retail cross‑border payments, with over 25 banks slated to process transactions under the rules by June. The initiative expands Swift’s traditional focus on interbank and commercial transfers to consumer‑level payments, targeting faster settlement,...
Scotland Explores Non-Biometric IDV for ScotAccount
Scotland’s ScotAccount digital identity platform is broadening verification beyond biometrics by introducing knowledge‑based verification (KBV) and tapping alternative public‑sector data sources. Existing alternatives such as landline‑based two‑factor authentication for older users, the Young Scot NEC, and a CivTech‑sponsored vouching pilot already...
Prohibit Government CBDC to Protect Privacy, Choice, Innovation
Americans deserve financial privacy, real consumer choice, and the freedom to innovate. Prohibiting a government-issued CBDC protects those values while allowing market-driven solutions like stablecoins and decentralized networks to modernize payments. The future of money should be open, competitive, and...
Stablecoins and Cards Unite to Supercharge Payments
It was never stablecoins vs. cards. The true opportunity for stablecoins to become a mainstream consumer payments option was always stablecoins *and* cards. We discussed this in our Q1 State of Stablecoins and this week, @Visa and @Stablecoin announced they’re expanding their...
Cicada Raises $13.5M Series A Round
Cicada, a US‑based fintech, closed a $13.5 million Series A round led by Citigroup, with participation from L4, Kaszek, Dila Capital and Crestone. The company runs an electronic trading platform that lets institutional investors buy and sell Mexican government and corporate bonds...
SpotPay Launches Universal Account Across 40+ Countries
SpotPay is building the Global Bank Account. One account that lets anyone send, receive, and spend money locally and across the globe. They’re already live in 40+ countries. https://t.co/RSc6UwlrDZ https://t.co/lV8KO2qvrJ
AI CFO and Back‑Office Revolutionize Business Banking
Interesting idea. If done right, this could change how banking works for business owners. An AI CFO that helps manage finances and an AI-native back office that speeds up things like underwriting could make the whole experience much faster and simpler.
Why Real-Time Payments Still Leave Gaps for Consumers, with Keith Smith.
In this episode, host Josh Dattar talks with Keith Smith, founder and CEO of Payouts Network, about the evolving landscape of real‑time payments and the persistent gaps that affect consumers. Keith shares insights on how innovations have both solved and...
Morgan Stanley's Crypto Push: Profit, Not Decentralization
Look Morgan Stanley isn't "rushing into crypto" They're rushing into revenue Bitcoin ETFs generate management fees Wealth advisors get commissions The firm captures flow This has nothing to do with decentralization It's the oldest game in finance wearing a new mask
These Two Young Billionaires Run Rival Betting Sites and Despise Each Other
Kalshi CEO Tarek Mansour and Polymarket founder Shayne Coplan, both under 30 and billionaires, are locked in a public feud that is influencing the direction of the online prediction‑market industry. Mansour has spent years securing CFTC approval for Kalshi, positioning...
Private Credit Drain Threatens Compute Expansion Funding
If private credit sucks liquidity out of the market The hyperscalers max out their cash Then there isn't enough money in the world for the compute build out
AI Agents Fuel Stablecoin Surge Ahead of Mainnet
Circle: AI agents are already driving stablecoin demand. Arc testnet hit 166M transactions. Mainnet hasn't launched yet. The infrastructure race for machine-speed payments is underway — KYC/AML frameworks are not. How Circle Is Marrying Stablecoins With Agentic Commerce https://t.co/QuY14r2lgr
Boston Fed Touts FedNow
The Boston Federal Reserve is championing FedNow, its real‑time payments platform, to draw more banks into instant‑payment services. A forthcoming Fed survey shows nine in ten consumers would increase bank usage if instant payments were offered, while 55% reported overdraft...
Bilt Users Outraged over Rent Payment Delays and Dead‑end Support
Bilt users are PISSED. Delayed or bounced rent payments. Customer service from unhelpful AI bots with human agents seemingly missing in action. Any info on what’s happening? My DMs are open.
ICYMI Fintech Funding Round-Up: Wealthyhood, Payr, Pluvo, and More
FinTech Futures’ ICYMI roundup highlights a wave of European‑focused funding, with Wealthyhood securing €6 million Series A, Pluvo raising $5 million seed, and TaxDown obtaining €4 million from BBVA Spark. Compliance‑focused AI startups Diligent AI and Vivox AI attracted $2.5 million and £1.3 million respectively, while proptech Payr...
Executive Turntable: Spotify, CD Baby Vets Bound for beatBread — Plus, BMI Hires Top People Person
BeatBread, the finance platform for independent musicians, announced three senior hires: Christine Barnum as head of financial operations, Michael Poole as chief financial officer, and Jameson Toole as a board advisor on AI and machine learning. Barnum arrives from CD...
Gen Z Demands Transparency, Speed, Empathy—Banks Must Adapt
Are Gen Z customers worth it? Absolutely. But they’re going to demand more transparency, more speed, more empathy, and more control. The real question is: Are banks ready for the friction that comes with higher expectations? https://t.co/pgkCkSGKYM
Affirm Pursues Affluent Consumers
Affirm is pivoting its buy‑now‑pay‑later offering toward affluent, high‑credit consumers by expanding 0% interest promotions. The company says interest‑free loans drive an 80% probability of repeat usage and currently account for about 16% of its transaction volume, with 80% of...
Crypto Moves From Retail to Autonomous Machine Economy
Look at the pattern: • Stripe adds USDC support • Coinbase builds Base L2 • Ethereum upgrades for scalability They're not competing for retail users anymore They're competing for autonomous agents that will process trillions in microtransactions The machine economy is the endgame
Why EWA Services Matter
Earned‑wage access (EWA) is gaining traction as hourly workers demand daily pay to bridge cash‑flow gaps between biweekly checks. Executives often view the concept as risky, yet the reality of paycheck‑to‑paycheck living drives demand for instant wage disbursement. Recent growth...
Friday Focus with Payments:Unpacked
In this unannounced Friday Focus live session, the host reviews the rapid decline of paper checks in the UK and globally, the Bank of England's plan to extend CHAPS settlement hours, and the Swedish central bank's advice to keep cash...
69% of Africa’s Biometric Fintech Fraud Is Now AI-Generated, Says Report
A Smile ID report reveals that 69% of biometric fraud in Africa’s fintech sector is now AI‑generated, with a single syndicate using 100 stolen faces to launch over 160,000 verification attacks in one month. Fraud has shifted from fake‑ID onboarding...
Nigeria Exited the FATF Grey List. Now It Wants to Set the Rules for African Fintech
Nigeria was removed from the Financial Action Task Force grey list in October 2025 after completing a 19‑point anti‑money‑laundering reform that brought it into compliance with 37 of the 40 FATF recommendations. The Central Bank of Nigeria’s new Fintech Policy...
Banking's Future: Tech‑First Solutions Over Branches
Forget old banking playbooks. The future is not about branches or products. It is about building tech-first solutions that scale globally. https://t.co/5GhOAJ3m8S
Fintech Regulation Explained: Licenses, Banks & Compliance
Fintech firms navigate a fragmented regulatory maze, with the United States hosting multiple agencies—from the OCC to FinCEN—each overseeing a slice of the financial pie. The United Kingdom relies on a twin‑peaks system where the PRA ensures solvency and the...
Alchemy Pay Gets License and Other Digital Transactions News Briefs From 3/6/26
Alchemy Pay announced it secured a money‑transmitter license in Delaware, marking its 15th U.S. state approval. Strike also received both a BitLicense and a money‑transmitter license from New York, expanding its regulated crypto services. Meanwhile, Cinnaholic returned to Square’s point‑of‑sale...
Lombard (BARD): Bitcoin’s DeFi Engine
Lombard (BARD) has positioned itself as Bitcoin’s first on‑chain DeFi engine, issuing the liquid‑staked LBTC token that amassed $1 billion in total value locked within just 92 days. Backed by heavyweight investors such as Polychain, Franklin Templeton and Binance Labs, the...
How Visa Uses AI in the Fight Against Fraud with AI…
Visa has invested €10 billion in payment security and now blocks over 150 million fraudulent transactions each year. While e‑commerce fraud rates in Europe are falling, fraudsters have turned to AI‑generated social engineering, making scams five times more likely to succeed. Retailers...
Digital Rupee vs Digital Euro: Which CBDC Is More Business-Friendly?
The article pits India’s Digital Rupee against the EU’s Digital Euro, evaluating which central bank digital currency (CBDC) best serves commercial users. It notes the Digital Rupee’s near‑real‑time settlement, open‑source APIs, and early integration with Indian e‑commerce giants, while the...
India’s Digital Rupee (E₹) and E-Commerce Giants: Facts and Myths Around Retail CBDC Launch
India’s central bank has continued its digital rupee (E₹) pilot, but a retail rollout on e‑commerce platforms such as Amazon and Flipkart remains unrealised. The Reserve Bank of India (RBI) has onboarded a handful of banks, fintechs and select merchants...
Piero Cipollone: Digital Euro
The European Central Bank entered the current preparation phase for a digital euro in November 2025, concentrating on technical readiness, market engagement, and legislative support. A controlled pilot with real‑world transactions is slated for mid‑2027, with a potential first issuance targeted...
UAE Launches World's First Sovereign Financial Cloud
The UAE Central Bank just built the world's first sovereign financial cloud — AI for AML, fraud, CBDC, zero-trust access, quantum-resistant encryption. Sovereign compute is now a national infrastructure decision, not a vendor one. World's First Sovereign Cloud System for Finance...
InsurTech Funding Tops $1bn in February as AI Investment Surges
Global InsurTech funding topped $1 billion in February, propelled by a $703 million debt raise from Howden Group. Excluding Howden, venture‑backed firms secured roughly $376 million across 11 deals, keeping pace with January’s activity. AI‑centric companies dominated the venture pool, with notable rounds...
Dacadoo’s Role in the Health and Finance Revolution
FinTech Global interviewed Thomas Dijohn, senior vice‑president Asia‑Pacific at dacadoo, about linking health metrics to financial services. He argued that physically and mentally healthy individuals represent higher‑earning, lower‑risk customers, making health data a valuable segmentation tool for banks. dacadoo provides...
Nexi Sets Course for €2.4 Billion Cash Generation and Sustained Dividend Growth Through 2028
Italian payments leader Nexi announced a strategic plan to generate €2.4 billion of free cash flow by 2028 while maintaining a rising dividend trajectory. The roadmap hinges on expanding merchant services, scaling digital‑payment solutions, and completing targeted acquisitions across Europe. Nexi...
Finastra Launches OperatorAssist AI Payments Tool
Finastra has launched OperatorAssist, an AI‑driven add‑on for its Global PAYplus and Payments To Go platforms that automates payment exception handling. The tool analyses payment errors, suggests fixes and guides users through resolution steps, aiming to cut manual investigation time...
Crypto Payment Gateways Market Set to Grow From $1.2B Today to Nearly $6B by 2035
The crypto payment gateway market, valued at roughly $1.2 billion in 2023, is projected to surge to $6.03 billion by 2035. Analysts forecast a robust 13.6% compound annual growth rate, reflecting a shift from niche tools to a core operating layer for...