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
The FDIC’s Inspector General Jennifer Fain responded to Sen. Joni Ernst’s whistleblower allegations, concluding that most claims of fraud, favoritism, and misused travel funds were unsupported or already resolved. Internal reviews found no irregular year‑end Deposit Insurance Fund spending, justified equipment purchases, and proper hiring practices. A disputed Miami field office was shown to have been created in 2019, well before the alleged personnel moves. A senior manager’s travel‑pay discrepancy amounted to $122.44 and actually saved the agency over $5,000.
The episode examines the $23 billion of unused gift‑card balances that accumulate after the holidays, noting that digitizing cards and offering reloads can improve redemption rates. It highlights a growing trend of using leftover balances for charitable donations, which retain tax...
The EU's MiCA regulation is tightening crypto compliance, prompting projects like Pepeto to secure dual audits. Pepeto completed independent security reviews by SolidProof and Coinsult, covering its token, bridge, exchange, and swap contracts. The presale has raised $7.14 M at $0.000000175...
Canadian professionals are increasingly turning to trust structures to manage growing financial complexity, protect assets, and streamline estate transitions. Rising incomes, multigenerational responsibilities, and heightened legal exposure have made traditional wills insufficient. Trust options such as Alter Ego, Joint Partner,...
The Federal Reserve has issued a request for information on a prototype “Payment Account” aimed at non‑bank institutions that focus on payments innovation. The proposal limits access to core Fed services such as Fedwire and FedNow while excluding deposit‑taking, lending,...
GIRAFFE AI LABS, a Singapore‑based fintech with a Korean R&D hub, was chosen for the CES 2026 Seoul Integrated Pavilion. The company currently runs stablecoin‑backed financial services in 25 countries and will showcase its reward platform that links digital assets to...
Bitcoin Cash (BCH) slipped 2.24% but remains above its 20‑, 50‑ and 200‑day moving averages, keeping its bullish structure intact. Zcash (ZEC) is testing a well‑defined resistance zone as volume improves, leaving its short‑term direction uncertain. Meanwhile, Zero Knowledge Proof...
Bitcoin and Ethereum are trading in narrow, range‑bound zones, marking a clear consolidation phase after recent volatility. Both assets remain the primary barometers of crypto market sentiment, with price action reflecting a pause as macro‑economic and network developments are digested....
Citi has teamed with fintech CredAble to launch a globally‑available digital trade finance platform that adds a white‑label verification layer to its trade loan workflow. The solution cross‑checks invoices against government‑backed digital public infrastructure, validating more than ten critical data...
The Consumer Financial Protection Bureau issued an advisory opinion stating that employer‑partnered earned‑wage‑access (EWA) products are not credit under the Truth in Lending Act, dropping the earlier free‑product requirement and loosening payroll‑deduction rules. While fintechs view the guidance as validation...
Cryptocurrency exchanges charge transaction fees that can significantly affect traders’ net performance, especially for frequent or high‑volume participants. A dedicated fee‑comparison platform aggregates discount tiers, incentive programs, and fee structures across major exchanges in a neutral, educational format. The resource...
Banks are emerging as the 2026 catalyst for supplier enablement, leveraging modern API‑driven onboarding, real‑time payments, and embedded finance. After a turbulent 2025 marked by tariff shocks and supply‑chain strain, banks are repositioning from passive utilities to active partners that...
Payments will undergo major shifts in 2026 as regulators solidify a stablecoin framework under the Genius Act and states step up oversight of BNPL and earned‑wage‑access products. AI‑driven agentic commerce and personalized checkout experiences are set to boost transaction volumes...
Capitolis, a fintech focused on capital markets, appointed Roy Saadon as head of market development for its portfolio optimisation unit. Saadon, a veteran with 25 years in technology, product development and financial services, previously co‑founded Access Fintech and Traiana. In...
Consumer and small‑business advocacy groups have joined merchants in objecting to a new Visa and Mastercard settlement aimed at ending long‑running antitrust lawsuits over interchange fees. The proposal, unveiled in November, would trim credit‑card interchange rates by just 0.1% for...
Cred, the AI‑enabled credit platform, has appointed Matt Trueman as its new chief executive officer. The hire is aimed at accelerating the company’s 2026 expansion, scaling new accounts and boosting lending activity for its Credit on Demand product. Cred’s roadmap...
Fintech veteran Mike Cagney argues that blockchain’s public‑ledger stablecoin transactions can replace Visa’s core services, from fraud protection to merchant acceptance. He frames blockchain as a "great disintermediary" that could wholesale replace traditional payment rails and even extend to entities...
DailyPay, an on‑demand pay platform, closed a $195 million senior secured revolving credit facility on Dec 30, 2025. The facility, led by JPMorgan Chase as administrative agent and sole bookrunner, strengthens the company’s balance sheet and provides greater financial flexibility. DailyPay plans to...
SlowMist’s Q4 2025 MistTrack analysis examined 300 user‑submitted theft reports, highlighting a surge in process‑oriented social‑engineering attacks. Phishing remained the most frequent method, with novel tactics like look‑alike address poisoning causing a $50 million USDT loss. The firm assisted nine victims...
The Justice Department is advancing its antitrust lawsuit against Visa, alleging the company maintains an illegal monopoly in the U.S. debit‑card market. The case, filed in September 2024, now faces a scheduling battle as DOJ proposes a four‑month discovery delay...
The Consumer Financial Protection Bureau’s 2017 small‑dollar lending rule, revived in 2025, imposed strict payment‑attempt limits and mandatory notices. Online Lenders Alliance data show the rule has driven higher delinquency, default and collection rates, while forcing lenders to tighten credit...
Former Piedmont Bank executives have received FDIC and Georgia banking department approvals to launch Georgia Skyline Bank, a de novo community lender based in Roswell. They are closing in on a minimum $25 million capital raise, targeting $25‑35 million to fund operations and...
Google announced that, starting Jan 21 2026, it will allow ads for exchange‑listed event contracts—commonly known as prediction markets—only from firms regulated by the U.S. Commodity Futures Trading Commission. The policy draws a clear line between CFTC‑authorized platforms such as Kalshi and...
Meme‑coin trading volume is rebounding, signalling renewed retail enthusiasm for the sector. Pepeto ($PEPETO) completed a $7.14 million presale at $0.000000175 per token and offers a 216 % APY staking rate. Unlike typical meme projects, Pepeto launched a functional bridge, zero‑fee swap...
Cross River Bank released its 2025 progress recap, highlighting a transformative year driven by AI and digital assets. The fintech‑first bank processed over $1 billion in payment transactions and facilitated $1.5 billion in loans, including its first $288 million CMBS deal. Its Principal...
Canaan Inc. is piloting a 3 MW Bitcoin mining data center in Manitoba that will capture and redirect waste heat to a nearby greenhouse operated by Bitforest. The proof‑of‑concept aims for a 90% heat‑capture rate and runs under a two‑year agreement....
The Cambridge Centre for Alternative Finance (CCAF) at Cambridge Judge Business School has launched a Women Regulators Network (WRN) to tackle persistent gaps in women’s financial inclusion. The network will be overseen by a global council of senior women regulators...
In this episode, Nick Cherney, Head of Innovation at Janus Henderson, discusses how ETFs serve as a blueprint for the next wave of tokenized finance, highlighting the practical benefits of on-chain infrastructure for both DeFi-native demand and traditional investment products....
The episode explores how retailers' planogram strategies—optimizing shelf space based on sales data—can be applied to payment orchestration, arguing that merchants should selectively adopt payment methods that maximize approval rates while controlling back‑office costs. Don Apgar explains that, like stocking...
ABN Amro’s new digital‑only bank BUUT was highlighted in a video interview with FinTech Futures at Money20/20 USA, where chief architect Annerie Vreugdenhil explained its launch strategy. BUUT targets millennials and Gen‑Z with a mobile‑first experience, leveraging ABN Amro’s existing infrastructure while...
Encompass Corporation has launched an Executive Advisory Board (EAB) to steer its global corporate digital identity (CDI) strategy and accelerate innovation in KYC solutions. Chaired by Doris Honold, the board brings together former senior leaders from JP Morgan, HSBC, Standard Chartered...
Rimes announced Kieran Kennedy as its new Chief Revenue Officer, bringing over three decades of leadership in financial data, cloud platforms, and institutional investment workflows. Kennedy most recently oversaw Snowflake's data cloud partnerships, generating more than $1.2 billion in annual revenue,...
Capitolis has appointed Roy Saadon as Head of Market Development for its Portfolio Optimisation unit, based in London. Saadon brings 25 years of technology and financial‑services experience, including co‑founding Access Fintech and Traiana. He will drive product adoption, expand the client network, and...
A Singapore court sentenced two men for falsifying escrow account confirmations linked to Wirecard, involving over €1 billion. Director R Shanmugaratnam received a 10‑year term, while British national James Henry O’Sullivan was sentenced to six and a half years. Between 2016 and...
Prediction markets have evolved into multi‑billion‑dollar ecosystems, offering real‑time insight on events from elections to interest rates. In 2026 the sector is dominated by five platforms—Polymarket, Pariflow, Kalshi, PredictIt and Manifold—each catering to distinct trader profiles. Polymarket provides unmatched liquidity,...
Swift, Ant International and HSBC completed a pilot that moved tokenised deposits between HSBC entities in Singapore and Hong Kong using ISO 20022 messages over the Swift network. The test proved that blockchain‑based money can travel on the same messaging standards...
Castles Technology’s new report warns that billions of consumers are excluded from modern point‑of‑sale systems due to visual, motor, hearing and cognitive impairments. The study estimates UK retailers lose £70 billion each year as disabled shoppers abandon purchases, and highlights the...
Real-time payment rails now settle in milliseconds, reshaping customer expectations and forcing banks, fintechs, and processors to rethink risk management. The instantaneous nature of settlement compresses the window for fraud detection, rendering legacy AML and sanctions‑screening tools ineffective. Traditional batch‑oriented...
Financial institutions are entering 2026 with a renewed focus on human oversight for AI‑driven anti‑money‑laundering (AML) systems. While AI continues to deliver real‑time monitoring, large‑scale data analysis and higher detection accuracy, the industry faces a widening skill gap that threatens...
Fintech funding surged in Q4 2025, reaching $12.98 billion—a 36% rise quarter‑over‑quarter and 61% year‑over‑year. While the total capital pool expanded, the number of equity raises slipped 14% QoQ, pushing the average deal size up 57% QoQ (11% YoY). The market is...
US to extend productivity lead on back of AI boom, say economists EU continues to lag: Pro: US productivity was set to “pull away from other developed market economies” thanks to the country’s dynamic capital markets, flexible labour force and lead in...
The biggest gap in banking today is not technology. It’s inaction. While many institutions debate risk, others are moving forward and learning in real time. Standing still is the most dangerous choice of all. https://t.co/SywxxsYmHW
One of the tiny details I love about Tempo is TIP-20 the token standard It extends the most popular stablecoin standard with some quality of life features like - Memo's for reconciliation - Block/allow lists And *so* much more. Dive in...
AI in Asia: Reimagining banking operations through agentic AI Report by McKinsey https://t.co/ScJT4HPwjx My POV 👇 https://t.co/sDEg32nFZZ
Polymarket and Kalshi hit it big on 2025 fintech funding surge Prediction market funding boom reflects validation of information markets as financial product. Investors betting these platforms become price discovery mechanism, not just gambling venues https://t.co/lZ7eIqT79C https://t.co/vxKY4qKpN6
Morgan Stanley entering the bitcoin ETF game is all you need to know about bitcoin's future prospects.
LinkedIn Fintech nerds. I'm writing something in a couple of weeks and I need your help. Share your war stories. What's the weirdest most "how is this even reality" story from Fintech? Comment below or DM if you want to stay anon.
The entire investment thesis of Robot Money is what @mustafasuleyman just said Can AI participate in the capital markets and economy
PicPay files for U.S. IPO on Nasdaq PicPay's Nasdaq filing reflects strategy: Build in Brazil, list in U.S. for valuation multiple expansion. Question: Do U.S. investors understand LatAm fintech economics or discount for market risk? https://t.co/y5xEAKdJNV https://t.co/vpUASSRXX8
[New Episode] Serving the underserved is no longer optional for financial institutions. It is the strategy gap holding the industry back, according to this powerful discussion. Watch the full episode now: https://t.co/m6PArSdD2z https://t.co/gChE8uddFq
