RTGS CHAPS Industry Forum
The Bank of England has opened nominations for a new RTGS CHAPS Industry Forum, seeking about 15 senior external members from banks, fintechs, large corporates and other stakeholders. The advisory body will help shape the design, development and operation of the UK’s real‑time gross settlement (RTGS) and CHAPS payment systems, meeting at least three times a year with terms up to three years. Applicants do not need to be current RTGS participants, and nominations close on 17 April 2026.
Bureau Veritas and Trade Technologies Link Compliance and Finance Workflows
Bureau Veritas and Trade Technologies have formed a partnership to embed inspection and conformity documents directly into trade‑finance workflows. The integration targets document‑heavy markets in the Middle East and Africa, aiming to speed up letter‑of‑credit (LC) processing and reduce compliance...
Bureau Veritas, Trade Technologies Partner to Streamline Global Trade
Bureau Veritas and Trade Technologies have signed a strategic agreement to embed inspection and conformity certificates directly into letters of credit workflows. The integration automates document validation, cutting delays that traditionally slow export shipments. By combining Bureau Veritas' inspection expertise...
My Key Takeaways From MPE 2026 in Berlin.
The 2026 Money Payments Europe (MPE) conference convened in Berlin, spotlighting AI, cross‑border payments, stablecoins, and the emerging digital euro. Panels explored agentic commerce, pragmatic innovation in payment stacks, and the next generation of tokenization aimed at eliminating PANs by...
Orange Subsidiary W-HA Enables M-Payments with 5G Slicing at Local Carnival
Orange’s fully owned subsidiary W‑HA partnered with the Orange 5G Lab in Rennes to pilot mobile payments at Granville’s five‑day carnival. The trial leveraged Orange’s 5G+ network slicing to create a dedicated “Tap to Pay Contodeo” channel that turned smartphones...
Davis Polk Discusses Federal Banking Agency Guidance on Capital Treatment of Tokenized Securities
The Office of the Comptroller of the Currency, the Federal Reserve Board and the FDIC issued FAQs clarifying that tokenized securities receive the same capital treatment as their traditional counterparts only when they confer identical legal rights. The guidance defines...
Shopify Quietly Fixed a Bug That Silently Cancelled All Subscriptions When a Customer Removed a Shop Pay Card
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...
All The Ways I Have Been Burning My Bilt Cash
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...
![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)
800ms Latency Spikes From A $45K Redis Cluster That Looked Healthy [Edition #2]
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...
The Secret Espionage Tech Hidden Inside Your Credit Card
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...
Earn Up to $825 Bonus Today with New SoFi Checking and Savings Account
SoFi is rolling out a new checking and savings account promotion that can net new customers up to $825 in cash and points. The core offer provides a $400 bonus for deposits of $5,000 or more within a 30‑day evaluation...
![[Live 3/31] SoFi Plus Now Costs $10/Month (Removes Free Option) + 4.5% Savings Rate](/cdn-cgi/image/width=1200,quality=75,format=auto,fit=cover/https://www.doctorofcredit.com/wp-content/uploads/2019/02/sofi.png)
[Live 3/31] SoFi Plus Now Costs $10/Month (Removes Free Option) + 4.5% Savings Rate
SoFi is ending the free SoFi Plus subscription, charging every member $10 per month starting April 1, 2026. The plan now includes a 4.5% APY on balances up to $20,000, a modest bump from the 4.25% baseline. However, the extra...
From CFO to Founder: Christina Ross on Building Cube and the Future of FP&A
Cube, a fintech startup founded by former CFO Christina Ross, is redefining financial planning and analysis by layering automation onto existing spreadsheet workflows. The platform integrates with ERP, CRM and cloud data sources to provide real‑time visibility without requiring a...
Mastercard Explores Sale of Nets Real-Time Payments Business
Mastercard has engaged investment bankers to explore selling the real‑time payments business it bought from Denmark’s Nets in 2019 for $3.2 billion. The unit, which produces roughly $370 million in revenue and $100 million EBITDA, is expected to fetch a price below its...
![[Targeted] AmEx Offer: Use Apple Pay Three Times & Receive $10 Statement Credit](/cdn-cgi/image/width=1200,quality=75,format=auto,fit=cover/https://www.doctorofcredit.com/wp-content/uploads/2018/06/amex-offers.png)
[Targeted] AmEx Offer: Use Apple Pay Three Times & Receive $10 Statement Credit
American Express has re‑issued a targeted offer that grants a one‑time $10 statement credit once cardholders complete three purchases using Apple Pay on an eligible mobile device. The promotion, which cycles periodically, is currently active through May 21, 2026 for qualifying AmEx cards....
Thunes Links Stablecoin Payouts to the Swift Banking Network
Thunes announced that its stablecoin payout service will operate over the SWIFT interbank messaging network. The solution enables banks linked to SWIFT to send near‑instant payments to more than 500 million stablecoin wallets in over 140 countries, currently supporting USDC and...
On-Chain Rails for Real-World Finance
Modern Treasury has been chosen by the Solana Foundation as a core payments infrastructure partner for the new Solana Developer Platform (SDP). The partnership gives enterprises a single API layer that connects U.S. payment rails—ACH, wire, RTP, FedNow, push‑to‑card—with Solana’s...
Globacom's MoneyMaster PSB Tweaks Banking App, Gifts Customers Data and Airtime
Globacom’s MoneyMaster Payment Service Bank (MMPSB) has rolled out a refreshed mobile banking app that features a cleaner visual design and streamlined menus for account and denomination selection. The update introduces logical tabs—hot, daily, weekly, monthly, exclusive and special—to organize...
$1.7 Trillion Just Walked Through Crypto’s Front Door. And It Brought Friends.
Asset manager Franklin Templeton, overseeing $1.7 trillion, has signed a deal with Ondo Finance to issue five of its ETFs on a public blockchain, enabling 24/7 crypto‑wallet trading across multiple regions. The move coincides with the NYSE’s memorandum with Securitize to...
The Global Payments Problem: Why Your Payment Infrastructure Is a Workforce Strategy Issue
The article argues that global payment infrastructure is a critical workforce strategy issue, not merely a finance function. It highlights how traditional wire transfers, currency conversion fees, and varied compliance requirements create costly friction for hiring contractors across borders. Modern...
TrueLayer Hires Satispay and Klarna Veteran as Head of Ecommerce to Scale Pay by Bank in Europe
TrueLayer has appointed Stefano De Lollis, a veteran who grew Satispay’s ecommerce arm and held senior roles at Klarna’s Sofort Banking, as Head of Ecommerce. The move comes as TrueLayer’s transaction volumes are nearly doubling year‑over‑year. Its Pay by Bank...
Singapore’s Central Bank Pilots XRP Ledger for Cross-Border Trade
Singapore’s Monetary Authority has invited Ripple to join its Borderless, Liquid, Open, Online, Multicurrency initiative, using the XRP Ledger and Ripple’s USD‑linked stablecoin (RLUSD) to settle cross‑border trade. The pilot automates payment release the moment a shipment is verified, eliminating...
Earn $150 with New Varo Money Account, Plus $150 for Referrals
Varo Bank is offering a $150 cash bonus to new customers who receive at least $500 in qualifying direct deposits within 45 days, with the promotion running through March 31, 2026. The bonus is deposited into the account within 4‑7 business days...
Vibe Coding a Private AI Financial Analyst with Python and Local LLMs
A developer built a private AI financial analyst using Python, Streamlit, and local large language models (LLMs) to process bank CSV files entirely on‑device. The app auto‑detects column mappings, normalizes data, classifies transactions with rule‑based logic, and flags anomalies using...
Citrea - Building the Bitcoin Application Layer
Citrea, a Bitcoin‑focused rollup built by Chainway Labs, launched its mainnet in January 2026, introducing the native asset cBTC and the dollar‑pegged stablecoin ctUSD. The platform uses the Clementine bridge to lock native BTC and zk‑proof batching to settle DeFi transactions...
MTS Expands MTS Oplata Carrier Billing for Gaming Services
Russian telecom giant MTS has broadened its MTS Oplata carrier‑billing platform to include five popular foreign games—Call of Duty Mobile, Standoff 2, Critical Ops, Top Eleven Be Football Manager, and AFK Journey. The expansion also adds additional top‑up options for Apex Legends and Mobile Legends on both mobile and...
Can Prediction Markets Predict?
Prediction markets such as Kalshi are gaining prominence as alternative forecasters of macroeconomic variables. A recent academic study finds Kalshi's inflation and Fed Funds Rate forecasts are statistically more accurate than traditional Fed Funds Futures and on par with the...
Blog 110a. Ripple, XRP, FedNow, and the Future of Secure Bank-to-Bank Transactions
The blog highlights that the real shift in payments is infrastructure modernization, not crypto hype. Ripple is developing a blockchain‑based cross‑border rail while the Federal Reserve’s FedNow service provides instant domestic payments for U.S. depository institutions. Both initiatives are anchored...
Earn $500 Bonus with New Relay Financial Account
Relay Financial, a fintech platform backed by Thread Bank, is launching a $500 cash bonus for new business checking customers. To qualify, users must deposit $10,000 within the first 30 days and maintain that balance for 90 days. The reward...
ENote, AI, Servicing, Data Tools; Trigger Lead Adjustments; FICO Investigation; Home Price Appreciation Is Complicated
Home‑price appreciation has stalled, leaving prices over 50% above early‑decade levels but showing near‑flat annual gains. Affordable‑housing construction is accelerating, yet developers face layered financing that mixes tax credits, subsidies and private capital. The Homebuyers Privacy Protection Act curtails trigger...
Maximising Collections to Deliver Business Value: A Modern Direct Debit Imperative
Mark Bish’s blog highlights Pay.UK’s Direct Debit rule 5.8, which now lets businesses challenge indemnity claims under reason code 4, curbing fraudulent disputes. The update tightens onboarding standards, demanding stronger validation and verification to avoid sanctions. He also stresses that automation,...
Z1
Z1 is a Brazilian fintech neobank built for teenagers and young adults across Latin America. It delivers a digital banking platform that includes prepaid debit cards, peer‑to‑peer transfers, and integrated financial‑education tools. By focusing on early financial habits, Z1 aims...
Meet Qivalis: The Bank-Led Effort to Internationalise the Euro with Stablecoins
European banks have formed a consortium called Qivalis to issue a euro‑denominated stablecoin, marking the first large‑scale, bank‑led effort to internationalise the euro in digital form. The project receives backing from the European Central Bank’s regulatory sandbox, signaling official support...
Brex Lands OpenAI as a Customer to Manage Its Global Corporate Spend and Financial Operations
OpenAI has selected Brex’s AI‑native corporate card and spend‑management platform to run its global financial operations. The deal incorporates Brex’s new ChatGPT integration, enabling finance teams to query expense data and policy details directly in a chat interface. Brex reports...
Payments Forward Plan
The Payments Vision Delivery Committee released the Payments Forward Plan, a three‑year roadmap outlining the future of payments. The plan targets faster, more secure, and interoperable transaction infrastructure, bringing together banks, fintechs, and regulators. It highlights real‑time settlement, digital identity,...
![[Targeted] GreenFi (Formerly Aspiration): Direct Deposit Bonus Of Up To $200 & 100 Trees](/cdn-cgi/image/width=1200,quality=75,format=auto,fit=cover/https://www.doctorofcredit.com/wp-content/uploads/2026/03/greenfi-200-direct-deposit-1.png)
[Targeted] GreenFi (Formerly Aspiration): Direct Deposit Bonus Of Up To $200 & 100 Trees
GreenFi, the rebranded Aspiration, is rolling out a limited‑time promotion that rewards customers who set up a direct‑deposit stream of $500 or more per month with up to $200 cash and the planting of up to 100 trees. The bonus...
Waivr
Waivr, a Los Angeles‑based fintech founded by Brenna Curran and Carolina Nucamendi, offers a debit‑focused, account‑to‑account payment infrastructure for consumer‑to‑business transactions. The platform replaces traditional credit‑card processing with a real‑time payments API that validates bank credentials and transfers funds instantly. By...
Wethos
Wethos is an all‑in‑one financial operating system built for freelancers, creative studios, and small agencies. Founded by Rachel Renock and Claire Humphreys, the platform goes beyond invoicing by offering a library of thousands of crowdsourced peer‑pricing templates that let users...
Wurthy
Wurthy is an AI‑powered financial operating system that offers a buy‑now, pay‑later (BNPL) solution tailored for service‑based small and medium‑sized businesses. Founded by serial entrepreneur Rudd Davis, the platform lets firms such as law offices, creative agencies, and medical practices...
![[Refunds] Bilt 2.0 Charging 0.2% Foreign Transaction Fee, Despite Advertising No Fee](/cdn-cgi/image/width=1200,quality=75,format=auto,fit=cover/https://www.doctorofcredit.com/wp-content/uploads/2021/09/bilt-deal.png)
[Refunds] Bilt 2.0 Charging 0.2% Foreign Transaction Fee, Despite Advertising No Fee
Bilt’s Cardless (Bilt 2.0) credit product, marketed with zero foreign transaction fees, is now applying a 0.2% fee on Mastercard‑processed purchases. The charge stems from Mastercard’s network surcharge, which most issuers absorb but Bilt appears to be passing on. The company...
How Merchant Financing Helps Entrepreneurs Access Capital
Merchant financing, also called merchant cash advances, lets ecommerce and retail businesses obtain capital by selling a portion of future card sales. Lenders use factor rates, often resulting in effective APRs around 30%, considerably higher than typical 7‑8% term loans....
Cracks Already Showing In Capital One’s Purchase Of Discover For Travelers
Capital One’s ongoing integration of Discover is moving its debit cards—and potentially some credit cards—onto the Discover network. The change surfaced when a traveler experienced repeated ATM denials in Poland and Ireland, discovering the card now bears the Discover logo....
Stockpile To Close On April 17, 2026 – Accounts Transferred To Public/Stash/Apex
Stockpile, a niche stock‑gifting platform, announced it will cease operations on April 17, 2026. All existing user accounts will be migrated to three competing fintech services—Public, Stash, or Apex. The service, once distinguished by credit‑card funding, added monthly subscription fees...
Mynk Launches Mobile App in Morocco to Simplify Peer-to-Peer Payments
Mynk, a Moroccan fintech platform, has released a mobile app that lets users send and receive money using only a phone number, eliminating the need for IBANs or bank details. The app functions as a digital wallet, supporting peer‑to‑peer transfers,...
FONIX MOBILE: BUILDING A SCALABLE PAYMENTS ENGINE BENEATH THE SURFACE - 20/03/26
Fonix Mobile leverages carrier‑billing and SMS to let consumers pay via their phone bill, securing high‑retention contracts with broadcasters, charities and major media brands. Its proprietary campaign platform captures interaction data, enabling targeted upsell and creating a feedback loop that...
Viva
Viva Benefits introduces a rent‑to‑invest platform that lets renters allocate a portion of their rent toward savings and investment products. The service operates as a resident amenity, offering financial rewards that encourage on‑time payments and longer tenancies. For landlords, the...
Emagia Unveils Gia AlphaCash to Unlock Millions in Trapped Receivables
Emagia launched Gia AlphaCash, an AI‑driven cash‑discovery superagent that pinpoints high‑value receivable accounts for faster collection. The tool ranks “Alpha Accounts” using ledger, payment and operational data, and works with the Gia Collect agent to automate outreach. Early reports claim...
Umba
Umba, a Kenya‑based digital bank targeting underserved African consumers, has raised $5 million to expand its vehicle and SME lending operations in Kenya. The platform already offers free checking accounts, instant peer‑to‑peer transfers, and credit products through a mobile‑first experience. By...
PayPal Ends Rewards-to-Cashback Option, Tweaks Funding and Crypto Terms
PayPal announced that, effective August 1 2026, its Rewards program will no longer allow points to be redeemed for cash back into PayPal balances, linked bank accounts, or Savings accounts. Members must redeem any existing points before the deadline or use alternative...