Human‑less Companies Inevitable; Regulation Will Always Lag Behind
Zero human companies aren't science fiction They're inevitable We already have: • Autonomous trading bots making millions • AI writing and deploying smart contracts • Agents managing DeFi protocols The infrastructure exists The capability exists The capital exists What's missing is the regulatory framework But regulation always lags innovation By the time lawmakers figure it out, there will be thousands of these entities operating in the shadows of the machine economy
Banking Revolution Explored: New Episode with Jason Henrichs
Folks who enjoyed today’s newsletter on the rapidly changing banking ecosystem should listen to this ep of @Breakingbanks1 (as seen on HBO, IYKYK) with @jasonhenrichs — https://t.co/MuzhnOMJtq
CBA Flags AI‑generated Loan Fraud, Alerts Authorities
Leaving this here “It comes as CBA..grapples w/the onset of AI technologies. The bank in the midst of rolling out AI systems across its business banking, communications & fraud-detection operations. In March 2025, CBA invested in AI firm Anthropicto drive...
SOFI's Explosive Growth Undermined by Inflation Fears
$SOFI - Lending Revenue $267M ➡️ $1.85B - Tech Platform $0 ➡️ $450M - Financial Services $1M ➡️ $1.54B - Members 652K ➡️ 13.65M - Lending Originations $11.7B ➡️ $36.4B But sure, sell the stock because inflation is a bit higher, or you don't like the...
On‑chain Corporations Run by Agents with USDC & ARC
Decentralized Autonomous Corporations Entirely onchain company run by Agents using @usdc and @arc Ownership, decision making, treasury and payments
AI-Only Companies Promise Superior, Burnout-Free Customer Service
The irony of zero human companies: They'll probably have better customer service than most human-run businesses today. 24/7 response times No burnout No ego No politics Just ruthless optimization for user satisfaction. We've been training for this future every time we preferred the chatbot to waiting on...
EU Digital Euro Stalls Amid Offline‑only Push
Brussels proposed a digital form of cash that could be used both online and offline. Navarrete, by contrast, is pushing for an offline-only model. More delays. Can Europe break free of Visa and Mastercard? MEPs stall digital euro https://t.co/SLW3jTmnrB
Lore Partners with Erebor Bank to Build US Sovereign AI
Excited to have selected @ereborbank as Lore's banking partner as we build sovereign AI infrastructure for the United States. It's important that American-aligned companies support one another. https://t.co/8b2Sgl0Ctm
Dubai's Woes Ripple Into India’s $45 Bn Remittances
Problems in Dubai are not just for people staying there - it spills over to India - we get $45 bn of remittances from the Middle East each year.
Aave Labs Advances Toward 100% Token‑Centric Revenue Model
Temp Check for the Aave Will Win proposal has passed. This brings Aave Labs closer to a fully token-centric model, directing 100% of product revenue to the $AAVE token. Next step: refine the proposal with structural improvements for the ARFC stage...
Digital Success Hinges on Bold Change, Not Vendors
The future belongs to leaders willing to take smart risks, challenge legacy processes, and deploy technology the way customers want it used. Digital success isn’t about the vendor. It’s about the will to change. https://t.co/oqVqr3G6ac
Robinhood Chain Introduces Native Stock Token, Unlocking New Apps
“We're probably the first chain to launch with the stock token as part of the native part of the chain itself,” Robinhood's Seong Seog Lee says. I am really interested to see what type of applications this unlocks. Are you...
From Tether to DeFi: On‑Chain Innovation Accelerates
Crypto can be very noisy, and innovation moves slow, but just reflecting on how much even simple things like stablecoins have come from back when Tether started from just tokenizing USD deposits on bitfinex to make trades a bit simpler,...
Token Incentives Fail: Aave's Grim Outlook & Ethereum's Strawmap
Are tokens broken? In this episode of Uneasy Money, hosts Kain Warwick & Taylor Monahan are joined by Namik Muduroglu to discuss: 🤔 What is wrong with token incentives 😪 Why a happy ending no longer seems likely for Aave...
Real‑time Payments Demand Faster Providers—Are You Ready?
You’re only as fast as your slowest provider. Real-time payments are ready. Are your systems and teams ready? Many institutions are behind. Watch the full video now: https://t.co/qrsFZDRVT6 https://t.co/B7BPNfmvRo
Distributed Orchestration Optimizes Underutilized Neoclouds
Datapoint or a trend Neoclouds need optimization from underutilization This is where distributed orchestration like @YottaLabs shines
Morgan Stanley to Build In‑House Bitcoin Services
Morgan Stanley 'absolutely' plans to offer Bitcoin custody, trading, yield and lending: The investment bank decided that it needs to build its own in-house capabilities before rolling out #Bitcoin offerings to its clients. @DecryptMedia. #CryptoAssets https://t.co/RWAGf7he23
Hyperliquid Stays Open While TradExchanges Close Weekends
It's the weekend, shits going down, TradExchanges are closed, but @HyperliquidX is open for business. https://t.co/pYLtfN3jYX
Learning Velocity Threatens $847B in Regulated Transformations
Most regulated industries still rely on 24-month transformation projects. Seventy percent fail to deliver value. That gap puts $847B at risk by 2030. I explore why learning velocity is the real threat. Watch the full episode now: https://t.co/3EzvLwQdvE https://t.co/BesD9wBahx
Zero Fees and User‑Friendly Design: My Investment Essentials
My 2 non-negotiable when choosing a platform to invest: - £0 platform fees - easy to navigate app/website
Cloud Providers Can’t Certify TEE Key Secrecy
I heard an interesting anecdote about TEEs from some fintech people. They were trying to convince regulators that TEEs aren’t just “computers under their control”, so they asked cloud providers to certify that they’d never hand over the keys. Providers...
JPMorgan, Not Stripe, Seen as Viable PayPal Buyer
.@ShenLucinda argues that Stripe isn't a logical buyer for PayPal. But JPMorgan may be. https://t.co/5mg3m05s44
Companies Rebrand Routine Restructuring as ‘AI’ Overhype
Block built two parallel company structures during COVID and is now collapsing them. That's a management correction, not an AI story. Worth watching which other companies use "AI restructuring" as branding for decisions they would've made anyway. Expect a...
Fintech Snark Tank Post on Block Layoffs Removed
Well...my Fintech Snark Tank post on the Block layoffs got taken down. I won't go into the details why, but I've rewritten it (translation: dumbed it down and made it worse). Here's the new link: https://t.co/vpWo7rFf51
Digital Experience Ownership Drives Modern Financial Relationships
Primary financial relationship used to be about history and proximity. Now it’s about convenience and daily engagement. If you own the digital experience, you own the relationship. https://t.co/g0okHl57Ma
Robinhood Push Alerts Push Margin Trading Like a Dealer
Robinhood using push alerts to suggest trading on margin… like a dealer tempting a junkie https://t.co/NEGFyQTVzg
Nasdaq Launches 23‑Hour, AI‑Powered Tokenized Equity Trading
Nasdaq Advances ‘Always-On’ Markets - Markets Media https://t.co/qx1uN2r2R7 Equities trading for 23 hours each day between Monday and Friday, tokenization of equities and deployment of artificial intelligence. https://t.co/LEFEqDRaFg
AI-Powered Reconciliation Automates Trillion-Dollar Payments Ops
End Close builds automatic reconciliation for payments companies, replacing manual ops work with AI agents that automatically investigate and resolve every exception. This team previously reconciled $1,000,000,000,000 at Modern Treasury. Congrats on the launch, @SeanBolton and @DavidNewell95! https://t.co/cHDvWS2INp
Bitcoin Still Needs DeFi and Privacy Solutions
BTCFi for unlocking Bitcoin's economy strkBTC for adding privacy to Bitcoin What else does Bitcoin need?
Automation Boosts Call Center Quality Without Sacrificing Trust
Modernizing call center operations can improve service quality and increase conversion opportunities. Automation doesn’t have to erode trust. We explore this with @zaygranet, CEO of @usebland. Watch the full episode: https://t.co/XXRymkLwFx https://t.co/lVvoajEUEM
DBS and Visa Launch AI-Powered Tokenized Payments Pilot
The future of payments is here. DBS and Visa are bridging TradFi and Web3 with the pilot of Visa Intelligent Commerce AI agents can browse, select, and purchase real-world goods securely using tokenized credit card credentials. DBS and Visa collaborate to advance...
Banks Miss AI Mark: Rethink Your Strategy
Excited to be speaking at the NextGen Payments & RegTech Forum in Zurich next week, exploring why many financial institutions are missing the mark in my keynote 'Your Bank’s AI Strategy Is Wrong.' Register here: https://t.co/xTKmiFTVt8 https://t.co/nY4oh47Y7A
BNB Chain Drives 40% of Transactions on 5% Supply
🚨 INSIGHT BNB Chain = 5% of stablecoin supply but 40% of ALL transactions 8x higher circulation than competitors. While CT focus on ETH vs SOL, BNB is processing more real economic activity than both combined. Follow the money not the noise. https://t.co/TeEaBcnK2E
Emerging Risks, Bank Consolidation, Quantum Computing Near Production
I've just released my weekly wrap-up. 1️⃣ A public view on Emerging Risks 2️⃣ Re-aggregating banks 3️⃣ Quantum Computing gets closer to production 👉 https://t.co/P2HDzCRgWS — fgtrends
Quantum Threat: Q-Day Could Cripple Global Financial Security
Quantum computers are coming — and in the next decade, could break widely used public-key encryption (RSA, ECC) that secures everything from bank transactions to crypto. Citigroup’s latest report on quantum calls it a trillion-dollar security threat, and they are not...
PayPal’s Bitcoin Play Forecasted PYUSD’s Payments Shift
#FlashbackFriday In 2020, I said PayPal’s Bitcoin move wasn’t about Bitcoin at all, but about positioning for a very different payments landscape. PYUSD has since filled in the blanks. https://t.co/IryLfol0XZ Yesterday’s future. Progress optional. #Stablecoins #Paypal #PYUSD
Corrected COVID Overhire Boosts Profit Per Employee
yes we over-hired during covid because i incorrectly built 2 separate company structures (square & cash app) rather than 1, which we corrected mid 2024. but this misses all the complexity we took on through lending, banking, and BNPL....
AI's Honeymoon Ends: 2026 Demands Real Value
Deutsche Bank boldly says what many are thinking: The honeymoon is over for AI. 2026 is likely to be a tough year, and AI will have to prove its value in 2026 to keep the money flowing. The prognosis is not good,...
Decouple Payments From Credit with New Technology
New on the not-a-newsletter... The Cap Fits https://t.co/1SFmSdzq9b Maybe it’s time to rethink credit cards and use all the options provided by new technology to decouple the payment system from credit. https://t.co/auLNZL8z9W
Top 3 Must-Read Books for Crypto Literacy
Got a few questions about why @CoinDCX is celebrating #CryptoLiteracyWeek. The short answer: There are a lot of misconceptions about crypto, and as India's crypto coach we wanted to help demystify it for the masses. Reading is one of the best...
Syfe Launches JPMorgan Active ETF Strategy as First WealthTech Partner
🇸🇬 Syfe becomes first #WealthTech partner to launch JPM AM's active ETF strategy: While #JPMorgan provides research insights and market perspectives, @SyfeSG remains responsible for all portfolio decisions. @financialit_net. #WealthManagement https://t.co/aJqdfpeMKr
European Wealth Firms Rally Against AI-Driven Client Loss
European wealth managers hit back after fears #AI will make them obsolete: Europe’s top wealth firms are rushing to defend themselves against advances in AI after the launch of a tax-planning tool in the US intensified concerns that tech disruption would...
Digital Adoption Drives the Future of Financial Services
The future of financial services is digital. Whether you want to play that way or not. Consumers are opening accounts and transacting digitally more than ever before. https://t.co/mif0VDdckX
Block Slashes 4,000 Jobs, Bets on AI Productivity
Ending the month with a bang @jack Block Block is cutting 4,000 employees, reducing its workforce by nearly half as the financial technology firm places a bet on artificial intelligence changing the future of labor productivity. cc @dailyjobcuts @MacroEdgeRes
Crypto.com's $15M Trump Donation Raises Charter Conflict
Crypto .com parent co donated a combined $15M to Trump entities. It just received conditional approval of its trust bank charter app. Even if these things AREN'T related, and I hope they're not, the appearance of a conflict of interest is...
Banks to Embed Wallets Directly in Online Banking
🎯+ wait until you see what @Vantage_Bank & @custodiabank are delivering to a consortium of banks that abstracts away the complexity of wallets *INSIDE* the banking system, accessible from your online banking page. I gave an interview to @BankDirector on...
All‑in‑One vs Best‑in‑Class: Satisfaction Levels Similar
There's lots of discussion about the benefits of using fewer “all-in-one” software platforms that serve multiple functions (e.g., Advyzon, Orion) versus adopting a greater number of “best-in-class” tools for each individual function. https://t.co/5JYwewMmB2 In our research, we get at this by...
Bluprynt Secures $4.25M Seed, Bridges Compliance to On‑Chain
Truly big news today: I’m delighted to share that my startup @blupryntco has completed its oversubscribed $4.25m seed raise. Thanks to an all star roster of investors including @valorcapgroup @CultivationCap @RobinhoodApp @cbventures @QuonaCapital @FlourishVC @SelahVentures and Kazea for joining...
Effective Onboarding Fuels Customer Retention and Revenue
You cannot expect strong relationships with weak onboarding. A well structured digital process directly impacts retention and revenue. Download The Power of Customer Permissioned Data for free: https://t.co/0wah7wPuXN https://t.co/QvZQSHbMI8
Bunq CEO Ali Niknam Challenges EU Stablecoin Rules
🔵 The banker who sued his central bank and changed European regulation. I sat down with Ali Niknam, founder and CEO of @bunq, at Davos during the WEF 2026 🎥 "𝐛𝐮𝐧𝐪'𝐬 𝐂𝐄𝐎 𝐚𝐭 𝐃𝐚𝐯𝐨𝐬: 𝐀𝐈, 𝐭𝐡𝐞 𝐔𝐒 𝐁𝐞𝐭, 𝐚𝐧𝐝 𝐚 𝐂𝐨𝐧𝐭𝐫𝐚𝐫𝐢𝐚𝐧 𝐓𝐚𝐤𝐞...