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 SEC, via Commissioner Hester Peirce, announced it will not object to broker‑dealers treating proprietary payment stablecoins as having a ready market and applying only a 2 % haircut under Rule 15c3‑1. This guidance, though non‑binding, aligns stablecoins with low‑risk cash equivalents and departs from the previous industry practice of a 100 % haircut. The staff’s stance references the GENIUS Act, which mandates 1:1 backing by liquid Treasury assets. By lowering the capital cost, the SEC aims to ease institutional adoption of stablecoins for tokenized securities and other crypto activities.
Here's what growing up in Lebanon taught me about B2B fintech: My mom used to send me to the corner store with cash folded in my pocket and a mental note of exactly what to buy and how much change...
Bitpanda, the Vienna‑based crypto broker, reported €371 million in adjusted revenue for 2025, a 16% increase, and grew its user base to 7.4 million. The firm is preparing a Frankfurt IPO in early 2026, targeting a €4‑5 billion valuation. To fuel global expansion,...
PayPal has removed its Bill Pay feature for consumer accounts, with the change appearing to take effect on February 28, 2026. The discontinuation was noted by users and industry observers, though PayPal has not issued an official statement confirming whether...
Sky, the successor to MakerDAO, saw its total value locked climb to $7.52 billion in March, a 38 % increase since the month’s start. The growth positions Sky as the fourth‑largest DeFi protocol by TVL, behind Aave, Lido and EigenCloud. Its sUSDS...
Tide, the UK‑based business‑banking platform valued at $1.5 billion, has teamed with telecom infrastructure firm Gigs to launch a native mobile plan powered by Vodafone’s 5G network. The service embeds a dedicated business phone number and eSIM directly into Tide’s all‑in‑one...
A Simple Theory of Digital Credit: 1. Acquire a large pool of appreciating capital ($BTC). 2. Issue credit ($STRC) against that capital, overcollateralized by the equity base. 3. Monetize a portion of the appreciation—directly or via derivatives ($MSTR)—to fund the dividend.
The Intercontinental Exchange (ICE) has launched a Binary Order Entry API that represents a structural shift in how participants connect, moving performance‑critical paths to client‑side design rather than merely reducing latency. This change alters development skill requirements, certification processes, and...
🌐💸 How long do SWIFT payments take? Insights from 5,000+ #payments. @Statrys: https://t.co/rKogdaVxWp #DigitalBanking #remittances https://t.co/S3og7b23fo
Regional finance payments are hampered by fragmented accounts‑receivable workflows, leading to missed revenue and cash‑flow strain. Embedding payment tools directly into existing ERP or invoicing systems enables instant payment links, real‑time visibility, and automated reconciliation. Companies that adopt diverse digital...
The digital economy is rife with high‑profile rivalries that extend beyond market share into principles, fees, and brand prestige. In 2026, OpenAI and Anthropic are sparring for enterprise AI contracts, while Amazon secured a court order to block Perplexity’s shopping...
Indosat Ooredoo Hutchison (IOH) and Kenya's Safaricom have signed a partnership to co‑develop digital services, emphasizing artificial intelligence, mobile financial solutions, and network planning. The agreement leverages IOH’s push to embed AI across its telecom operations and Safaricom’s proven M‑Pay...
Billionaire investor Stanley Druckenmiller told Morgan Stanley that blockchain‑based stablecoins could become the core of the global payments system within the next ten to fifteen years. He highlighted their speed, lower cost, and productivity gains compared with legacy rails. The...
Advanced Info Service (AIS) together with Krungthai Bank and PTTOR will launch Clicx Bank, an AI‑driven virtual bank, in Thailand by June 2025. The venture, structured through Thai Trinity Holdings, targets up to 30% of the partners’ combined 60 million customers,...
The Senate approved the bipartisan 21st Century ROAD to Housing Act on March 12 with an 89‑to‑10 vote, but the Credit Card Competition Act (CCCA) amendment was stripped from the final text. The CCCA, championed by Senators Roger Marshall and...
Mizuho’s latest research shows Circle’s USDC surpassed Tether’s USDT in adjusted transaction volume for the first time since 2019, reaching about $2.2 trillion YTD versus $1.3 trillion for USDT. The bank raised Circle’s price target from $100 to $120, citing a 64%...
I spoke with Maple's Sid Powell (@syrupsid ) and @PaulFrambot of Morpho about where institutional crypto lending is heading, why DAOs struggle to move fast, and what the DeFi mullet model really requires to work. Don’t miss it! Timestamps: 🏦 0:58 What makes...
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...
On March 12 a crypto trader swapped $50.43 million of Aave‑wrapped USDT for aEthAAVE through Aave’s swap interface, ignoring a slippage warning on a mobile device. The transaction returned only $36,100 worth of tokens, effectively losing about $49.96 million, or 99.9% of...
The Central Bank of Nigeria (CBN) will limit transactions on newly activated mobile banking apps to N20,000 during the first 24 hours, effective 1 July 2026. The regulator also mandates single‑device binding, multi‑factor authentication for new device logins, and real‑time fraud‑monitoring systems...
Readers of Doctor of Credit have compiled practical tips for extracting the most value from the Capital One Shopping portal, a rewards platform that pays out in gift‑card credits rather than cash. One contributor reported $4,200 in tracked rewards in...
Coinbase Prime has launched a unified cross‑margin trading layer that combines spot, traditional derivatives and regulated perpetual futures into a single capital framework. The upgrade lets institutional traders view and manage exposure across more than 90 assets with one margin...
OKX has launched a native integration with Katana, a DeFi‑first chain backed by Polygon Labs and GSR, allowing users to earn stablecoin yield directly within the exchange. The solution ties rewards to on‑chain activity, a design that complies with U.S....
Unlock offers a home‑equity agreement that provides homeowners a lump‑sum cash advance in exchange for a share of future property appreciation, eliminating monthly payments. The company emphasizes a fully digital application, transparent pricing examples, and extensive educational resources to simplify...
The latest T3/Inside Information Software Survey shows 52% of financial advisors now use AI search and generative tools, up from 42% a year ago, and 43% employ AI note‑taking solutions such as Jump and Zocks. Despite this growth, AI has...
Charge‑backs are accelerating, with Datos Insights forecasting 359 million disputes by 2029 and an average dispute value rising 16% to $251. Each U.S. dispute costs banks $9‑10 to process, translating into billions of annual expenses. Banks frequently err by rubber‑stamping claims,...
Better Home & Finance reported a $40 million net loss for Q4, while revenue held steady at $44 million and loan volume surged 56% year‑over‑year to $1.5 billion. The AI‑native lender announced a partnership with a top‑5 non‑bank originator and reaffirmed its goal...
The Global Anti‑Scam Alliance (GASA) has launched scam.org, an AI‑powered platform built on OpenAI technology. The site consolidates scam education, reporting tools, prevention guidance, and victim support under one global hub. Backed by leading cybersecurity firms, it aims to improve...
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...
#FlashbackFriday. April 23, 2017. The Bloomberg Terminal was prominently featured on 60 Minutes during a profile on Michael Bloomberg. (CBS) #FinTech https://t.co/8J3lFg5rcv
Subcity, a fintech platform led by CEO Alex White, helps U.S. small and medium manufacturers locate and claim government tax credits and incentives. The service automates identification, qualification, and filing for programs such as R&D credits and local investment grants....
Impacted Bilt users continue to complain about rent payments not being made to their landlords, difficulty accessing human customer support:
cash app used to pride itself on helping the underbanked. now its... lets connect the underbanked to digital casinos i guess
A new NMI study of 1,000 U.S. adults shows that frictionless payments boost both purchase frequency and spend. Half of respondents say they shop more often when checkout feels seamless, and 48% admit to spending more at the point of...
All of crypto is pivoting to virtual cards and it's so weird to me as a fintech guy. Like yeah. It's a virtual card?
"Owning a stock today is owning a static database entry. Tokenization means the entire representation of that asset becomes software — and software can interact with other software." - Ryan Lovell (EP.491)
A parliamentary standing committee on finance has recommended re‑introducing a merchant discount rate (MDR) on UPI transactions, arguing that the zero‑MDR regime strains government finances and limits fintechs’ ability to fund long‑term infrastructure. The committee notes that current government incentives...
Our massive suite of infrastructure is now fully available to AI Agents and AI Agent builders with Circle Skills. Cursor, Claude Code, Codex, OpenClaw, come build the new internet financial system.
ECB’s Panetta says the private sector is key in cross-border payments https://t.co/dYdaPPXjLl via @Alemrome https://t.co/dkpP47DCou
LenDenClub projects FY26 revenue of ₹330‑350 cr, roughly a 50% year‑on‑year increase after posting a ₹28.6 cr net profit in FY25. FY25 revenue rose 28% to ₹227 cr, with total earnings of ₹241.4 cr including other income, while expenses grew only 5% to ₹201 cr....
Remember when people said crypto had no use case? Now AI agents need: • Permissionless payments • 24/7 settlement • Programmable money • No KYC friction Crypto was always the answer We just asked the wrong question
I'm not sure how accurate this is, but I do know that nobody ever switches their banking app. https://t.co/sSoj6aN1T6
PayPal’s global financial‑crime chief, David Szuchman, leverages his two‑decade law‑enforcement background to counter a 600% surge in fraud attacks that threaten the fintech’s trillion‑dollar transaction flow. The company has integrated AI that evaluates over 500 data points and launched an...
ConnexPay unveiled Payment Valet, a managed services platform that automates the last‑mile of B2B payments. The solution centralizes payee network management, delivery fulfillment, preference portals, and branded support, handling payouts via virtual cards, ACH, and checks. It targets vertical SaaS...
Beeline has introduced a self‑service mortgage experience that lets borrowers complete applications, explore scenarios, lock rates and upload documents without a loan officer. The platform’s AI‑driven loan tracker processes data in seconds and offers real‑time assistance via a digital assistant...
Anyone have context on what's going on w/Bridge at the moment? Or just garden variety client service issues? My DMs are open.
Restolabs, a New York‑based online‑ordering platform, has rolled out a bundled POS solution aimed at independent restaurants, promising higher online conversion rates through features such as Apple Pay, Google Pay, upsell prompts, and streamlined menus. The service is priced between...
Bank of America announced that its digital banking platforms logged roughly 30 billion client interactions in 2025, encompassing logins, AI‑driven solutions, and automated alerts. This volume marks a 14% rise from the prior year, underscoring accelerating adoption of mobile and AI...
Hong Kong‑based Velotrade, a decade‑old trade‑receivables marketplace, has launched Velotrade Re Ltd., a crypto‑funded proprietary trading platform. The service offers traders capital allocations from $5,000 to $200,000 with generous profit splits, and it relies on AI‑driven hedging and institutional liquidity...
Sent money on @0xPolygon faster than my bank could text me a verification code. Cost me less than a cent.
