Know What's Happening in FinTech
Know What's Happening in FinTech
FinTech Pulse
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Daily
Every morning
Weekly
Tuesday recap
Corporate treasuries are moving from batch‑based cash handling to real‑time liquidity management as CFOs target idle cash. While 71% of finance leaders report faster Time to Cash cycles, nearly 30% see no improvement, highlighting a growing divide. Visibility gaps persist despite new dashboards, limiting intraday decision‑making. BMO’s upcoming tokenized‑cash platform on CME Group’s permissioned ledger promises continuous, programmable dollar movement, potentially eliminating traditional settlement windows.
The Employees' Provident Fund Organisation (EPFO) will go live with EPFO 3.0 on April 1, 2026, introducing a dedicated mobile app and enabling members to withdraw funds via UPI and ATMs. The upgrade promises real‑time balance checks and the ability to pull...
SadaPay’s mobile app was completely offline on March 25 after a drone strike damaged the Amazon Web Services data centre in Bahrain, a critical hub for the fintech’s infrastructure. The outage halted the app for all users, though debit‑card, ATM and...
Custodia Bank clarified that its recent appearance in the Federal Reserve’s master‑account database reflects a partnership entry, not a fresh application for direct Fed access. The listing ties to its collaboration with Texas‑based banks in the Hazel Network, which offers...
Singapore‑based StraitsX saw its stablecoin‑backed card program explode, with transaction volume increasing 40‑fold and card issuances rising 83‑fold between Q4 2024 and Q4 2025. The surge mirrors a broader crypto‑card boom, where global monthly volumes jumped from about $100 million in early 2023 to...
OnePay, the Walmart‑majority‑owned fintech, has expanded its crypto offering by adding more than a dozen tokens, including SUI, Polygon, Arbitrum, Solana, Cardano, Bitcoin Cash and PAX Gold. Since its January launch with Bitcoin and Ethereum, the platform is targeting customers...
If there is one takeaway from whats happening geopolitically right now, its that cross-border payments were built for a stable world and we don't live in one right now. Settlement still runs through corridors and intermediaries that seize up the moment...
Fannie Mae has authorized a new mortgage product that lets borrowers pledge Bitcoin or USDC as collateral for down payments, partnering with digital lender Better Home & Finance and Coinbase. The move, overseen by the FHFA, creates a two‑tier loan...
🔺 Is the "old era" of compliance finally dead? 🪦 In this episode of Fintech Conversations & Insights, Beth Haddock (Stablecoin Standard) explains why the GENIUS Act is forcing a total rethink of financial infrastructure. We dive into: ❌ Why "Honeypot" data collection...
AI agents are going to transact orders of magnitude more than humans ever will. They need wallets, identity, settlement, cross-chain movement and we gave them exactly that with Polygon Agent CLI. And the rails are already proven... 493 million stablecoin transactions...
Shopify disclosed that removing a payment method from Shop Pay automatically cancelled every active subscription linked to that card, affecting merchants across its entire ecosystem. The cancellation occurred without any warning, customer intent signal, or recovery flow, effectively disguising involuntary churn...
TxFlow has launched its own Layer 1 blockchain, TxFlow L1, delivering a high‑performance infrastructure capable of processing over 250,000 transactions per second. The network introduces TIP Liquidity Standards that standardize spot, derivatives, and prediction‑market modules, enabling developers to build composable financial Channels....
The Reserve Bank of India has released its Payments Vision 2028, a three‑year roadmap that proposes electronic cheques, tighter oversight of digital commerce platforms and a revamp of cross‑border payment mechanisms. The plan aims to deepen trust, broaden inclusivity and...
Cashflows, a UK‑based fintech payment platform, has announced a strategic partnership with the British Dental Industry Association (BDIA) to replace outdated merchant services used by dental practices. The collaboration delivers a purpose‑built payment suite that addresses complex billing, patient‑prefixed payment...
GlobalFi International unveiled an AI‑powered blockchain and a new decentralized exchange called LiquidX. The AI blockchain uses machine‑learning to route transactions, boost security and provide real‑time portfolio insights, while LiquidX aggregates liquidity, offers low‑fee layer‑2 scaling and cross‑chain trading. Together,...
I love that OG builders in the space are speaking their mind so plainly Finally No more LARP Great points from @lex_node about native tokenization vs the more pragmatic but intermediated approach of today’s tradfi. We ran into this at @Consensys in...
DeFi: You still need to click the buttons Agentic Finance: The buttons click themselves This isn't about removing banks anymore It's about removing the manual labor of being your own bank
ABB promotes a fully digital, instant‑credit platform that removes paperwork and waiting rooms, delivering funds in minutes. The service is designed for consumers and entrepreneurs who need rapid financing for purchases, emergencies, or business expansion. By leveraging a seamless online...
What an embarrassing climb down after spamming users with endless push alerts encouraging them to gamble. Either he's lying, or this is the level of QA before Coinbase pushes code to PROD. Either way, bad sign.
My conversation with @nlevine19 and @robbiepetersen_ crystallized something: stablecoins aren’t replacing cards. They’re serving the merchants that cards can’t reach. https://t.co/CPDcFRHO46
Affirm Holdings posted a strong Q2, with gross merchandise volume climbing 36% to $13.8 billion and revenue rising 30% to $1.12 billion, while net income surged 61% to $130 million. The company expanded its merchant network to 478,000 partners and grew its active...
MAS dropped 173 pages of operational AI governance - agentic AI named explicitly. DBS, BlackRock, Julius Baer case studies. This is what exam-ready governance looks like. MAS unveils AI Risk Management Toolkit for Singapore's financial sector https://t.co/zLPlP0lcaL
Indonesia's Business Competition Supervisory Commission (KPPU) has fined 97 peer‑to‑peer fintech lenders a combined Rp 755 billion (approximately US $44.6 million) for operating an interest‑rate cartel. The firms were found to have colluded on rate caps set well above market equilibrium, violating Article 5 of...
Hyperliquid Strategies Inc. has introduced options trading on its PURR common stock on the Nasdaq Options Market, a move designed to deepen liquidity and give investors new hedging tools. The launch comes as the firm reports $616.7 million in assets while...
Tyme co‑founder and GoTyme Bank CEO Nate Clarke will speak at StrictlyVC Athens 2026, where he will detail how the fintech grew to serve more than 17 million customers across South Africa and the Philippines. The session highlights the leadership tactics...
Main Source Funding announced a consumer‑oriented debt‑consolidation platform that bundles multiple loans into a single payment. The company said the service will streamline repayment for U.S. borrowers, but specifics on financing, pricing and rollout were not disclosed.
Todd and Janet Gatewood’s Nashville‑based radio program “God, Freedom and Bitcoin” urged listeners to buy Bitcoin at roughly $69,000, a 45% drop from its $126,000 peak. The push has drawn both enthusiastic believers and sharp criticism from skeptics who warn...
Ripple announced the integration of AI-driven security tools and an AI‑assisted red team to proactively identify and fix vulnerabilities on the XRP Ledger. The move follows recent upgrades and aims to keep the network resilient as it processes over 100 million...
Singapore fintech Tazapay closed a $36 million Series B extension led by Circle Ventures, bringing its total Series B to $36 million. The round added new backers Coinbase Ventures, CMT Digital and others, while existing investors like Ripple also participated. Funds will fuel licensing...
AI agents are evolving from simple chatbots to autonomous software that can research, purchase, and execute tasks online. This shift creates a demand for a financial system that can handle machine‑to‑machine payments, a niche where crypto—particularly stablecoins, programmable wallets, and...
Tokenized equities platform xStocks is launching a single token, VCXx, that represents the newly public Fundrise Innovation Fund, bringing late‑stage private‑market exposure onto its blockchain marketplace. The fund debuted on the NYSE at $31 per share, spiked to $575, then...
The Bilt 2.0 card’s launch introduced a complex Bilt Cash ecosystem, offering credits for dining, travel, shopping, and lifestyle services. Cardholders can redeem cash for monthly GrubHub, Walgreens, Lyft, and restaurant credits, as well as for point accelerators and hotel discounts. Mark...
Kalshi’s affiliate Kinetic Markets received clearance to provide margin trading for professional clients, allowing positions with reduced upfront capital. The feature targets institutional investors and may launch first on new products rather than core event contracts. While the margin capability...
Fannie Mae has approved a groundbreaking mortgage product that lets borrowers pledge Bitcoin or USDC as collateral for a down‑payment loan, partnering with digital lender Better Home and Finance and Coinbase. The two‑tier structure offers a way for crypto‑rich, cash‑poor...
In 2024, formal remittances to Sub‑Saharan Africa reached about $100 billion, with Nigeria alone receiving roughly $21 billion—around 10 % of its GDP. Policymakers see the challenge of turning these consumption‑driven inflows into savings and investment, a task that hinges on scaling Africa’s...
![800ms Latency Spikes From A $45K Redis Cluster That Looked Healthy [Edition #2]](/cdn-cgi/image/width=1200,quality=75,format=auto,fit=cover/https://substackcdn.com/image/fetch/$s_!fOxT!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F444d8dff-2e3d-4216-b86d-30b379177d49_1200x1200.png)
Fintech firm Veritas Pay, processing 800 million transactions annually, saw its real‑time fraud detection engine exceed the 150 ms SLA, with P99 latency spiking to 800 ms during peak loads. The root causes include Redis write saturation during six‑hour batch syncs, a Python...
Senegal's presidency announced that the e‑Senegal portal became operational on March 24, giving citizens a single online gateway for passport applications, business creation, police clearances and more. The launch is a flagship of the New Deal Technologique, a five‑year digital...
MercadoLibre reported net revenue up 45% year‑over‑year, outpacing analyst forecasts and positioning the Latin‑American e‑commerce leader as a defensive play for investors rattled by U.S. market turbulence. The company’s fintech arm, Mercado Pago, now serves more than 78 million users and...
Fannie Mae has approved a pilot that lets homebuyers pledge Bitcoin or USDC as collateral for a down‑payment loan, partnering with digital lender Better Home and Finance and Coinbase. The two‑tier structure lets borrowers keep their crypto while borrowing against...
Credit‑card technology traces its roots to Cold‑War espionage, where passive, battery‑free devices like the Soviet "The Thing" inspired RFID and later NFC. The magnetic stripe, introduced in the 1970s, accelerated checkout speeds but exposed static‑data vulnerabilities that spurred the EMV...
Bilt’s rent‑rewards credit card has drawn regulatory attention after the company rolled out a $500‑a‑year premium tier and a tiered rewards structure that forces users to spend heavily on non‑housing purchases. The changes have sparked a wave of consumer complaints...
Prithvi Exchange, a Chennai‑based foreign‑exchange service, will launch its own branded forex cards in the first quarter of FY27, shifting from a reseller of bank cards to an issuer. The move gives the firm control over pricing and user experience,...
The Reserve Bank of India imposed a ₹3.1 lakh (≈ $3.7 k) penalty on Pine Labs for issuing full‑KYC prepaid payment instruments (PPIs) without completing required KYC checks. The RBI’s inspection covered July 2024 to May 2025 and concluded the breach warranted a fine. Pine...
Upstart (UPST) was downgraded to a sell as analysts cite stagnant margins, heightened macro uncertainty, and accelerating AI‑driven competition. The company posted a strong 35% year‑over‑year revenue increase and modestly beat guidance, but margin contraction and limited upside to its...
One of the biggest benefits of AI is access. If you've ever wanted deeper insights into your finances but didn't have the visibility here's one way to work around it. But remember: AI is experimental. It can hallucinate numbers. Always review the...
Ripple CEO Brad Garlinghouse said stablecoins represent the crypto sector’s “ChatGPT moment” for enterprises seeking faster, cheaper payments. He noted that Fortune‑500 and Fortune‑2000 CFOs are already evaluating stablecoin strategies, citing $33 trillion of trading volume last year, dominated by USDT...
Using AI coding agents to implement new features is exciting. You know what’s not? Integrating with Stripe or setting up auth using Better Auth - it’s just a continuous slog of trial and error. 😭
New @Gemini REST API endpoint that enables multi-network withdrawals for USDC, USDT, ETH, and RLUSD. Check it out and let us know what you think. https://t.co/zZVRCoxMW6
I hadn’t thought about this until @robbiepetersen_ said it: agent behavior looks nothing like human behavior. So card network fraud models may be useless for agentic payments. https://t.co/ouC5FjfUrY
Engagement drives loyalty. Generative AI allows financial institutions to move beyond transactions and deliver proactive, human-centered experiences. https://t.co/QeRC2HMzbF
