Fee‑Free Accounts Offer 3.61% Savings, 2% Checking
We're fee free and paying high yields here. I'm not worried about the competition, I'm worried about local economies. 3.61 APY savings, 2.0 APY checking at https://t.co/HHwXUb7kB6
Leadership's Risk Appetite Drives Digital Success
The biggest barrier to digital success is rarely technological or budget. It is leadership’s willingness to embrace change and take risks. Watch the full episode now: https://t.co/BQNDlxuwMR https://t.co/rgqIU4dXx1
Seeking Real Experiences with Bitcoin-Backed Loans
Has anyone personally taken a loan against their bitcoin? If so, what platform did you use and what did you use the money for?
Incumbent Banks Weaponize Regulation to Block Fintech Rivals
“Incumbents in the financial industry do use regulation to try to keep competitors out.” —@HesterPeirce at #ETHDenver @BlockchainAssn policy lunch YESSSSSSSSSSS https://t.co/solCqLuqDC
Privacy Must Be Default for Financial Transactions
“Privacy should be the default expectation” for financial transactions. —@HesterPeirce at #EthDenver @BlockchainAssn policy lunch https://t.co/HKdQpnmoPA
Stablecoin Advocates Push Government Loans Over Banks
Wow. Now stablecoin yield advocates are saying that government should provide loans to local communities rather than local banks. What could be wrong with that?
Instant USD‑to‑BRL Transfers Powered by Claude AI
Demo Friday: realtime @claudeai assisted 🇺🇸 USD → 🇧🇷 BRL in seconds using @Lightspark Grid. Magic money movement available to everyone and in 60+ countries. We recorded this in one shot. So easy. https://t.co/6tOqsVxo9R
Challenger Brands Win Through Clear Purpose, Not Spend
Challenger brands do not win by spending more. They win by making clear choices about who they serve and what they stand for. We explore Rival’s study with @EFulwiler in this episode. Watch the full video: https://t.co/Y31f7tnfQ6 https://t.co/M2cWuLR3zt
Gemini App Gets Faster, Richer Features and Payments
The Gemini app you opened last week? Much better today. ✅ Faster homepage, invest tab, deposit/withdraw flows ✅ Polished prediction open orders, better cash-outs, sports UI refresh ✅ Predictions now supports credit card and crypto payments ✅ Major framework upgrade under the hood Update your...
Venmo Lags Zelle as Banks Outpace Innovation
Venmo falls further behind Zelle https://t.co/qIyIwXmCFq "This is a useful tale to counteract some of the doomsaying about banks and innovation. When they try collective action, banks often win, but cooperation doesn’t come naturally." Word. Now do ID. https://t.co/ahiMlNMmux
FP&A Software
Once you use an FP&A solution, you never want to go back. Spreadsheets always have their place, but FP&A software dramatically increases FP&A productivity. Here are the highlights from my latest tech stack report. - 37 forecasting and budgeting solutions...
BGD Departs Aave After Four Years of Pivotal Contributions
For four years, BGD has played an important role in Aave V3’s technical development, and it is fair to say that Aave V3 would not be what it is today without their contributions. That Aave V3 has lasted this long...
Self‑buyback Bots Can't Replace Real Economic Fundamentals
Robot takes assets in treasury to buy its own token to get paid a small percent back in trading fees No perpetual money machines exist, others will just sell into the buyback Need economic, not just financial, engine
On‑chain Small Business Loans Boost Transparency and Capital Efficiency
Most “real-world asset” tokenization is still theoretical. This one is not. Fintech lender Newity just raised $11M to bring small business loans onchain. Not art. Not T-bills. Actual SBA-style lending to Main Street. Here is why that matters. Traditional small business lending is fragmented...
AI Makes Money Invisible, Predictive, and Automated
AI is quietly reshaping our relationship with money. From smarter budgeting and personalized financial advice to embedded finance and real-time credit decisions, AI is changing how we spend, save and invest. As open banking and fintech accelerate, money is becoming more invisible,...
Post‑mining Bitcoin Relies on Fees for Security
What Happens After All Bitcoins Are Mined by @freedx The critical question post-2140: can transaction fees alone sustain network security? Bitcoin's design bet: as adoption grows, fee revenue naturally replaces block rewards. High congestion periods and their fee spikes are a live...
Local Deposits Multiply Small Business Lending, Not Government Debt
Local deposit ➡️ Local loan ➡️ Local growth A $1,000 local bank deposit can support up to $30,000 in #smallbiz lending over 5 yrs. The same $1,000 in stablecoin backs government debt. Local deposits build communities. Stablecoin reserves fund Washington. #banklocal
Klarna Hits $1B, Doubles Users, yet Stock Plunges
Klarna just posted its first $1B revenue quarter, successfully doubling its banking users to 15.8 million. The pivot from a pure BNPL provider to a global digital bank is underway. But Wall Street just handed them a massive 27% stock drop....
Policy-as-Code Guardrails Preempt AI Compliance Violations
Agentic AI Gating Layer: Policy-as-Code = gating layer for agentic AI Controls AI actions by: Separating free-form reasoning (AI decides) from allowed execution (policy permits) Improving auditability (clear what AI can/can't do) Preventing compliance violations before they happen Guardrails, not post-incident cleanup. 📰 Intelligent compliance for...
Consumers Misunderstand Credit Scores; Banks Must Rethink Risk
Most consumers don’t understand how their credit score is calculated, and stigma keeps them from getting help. Financial institutions must rethink risk. We explore this with Steve Min, Chief Credit Officer at @CreditOneBank. Watch the full episode now: https://t.co/wUIHckaAy4 https://t.co/dX96wDMpfj
APAC Fintechs Turn to Expansion and Banks Amid Funding Slowdown
🌏How can Asia-Pacific fintechs survive this year’s funding slowdown? APAC #fintech firms are heading into 2026 facing a cautious funding environment, with overseas expansion and bank partnerships emerging as key survival strategies. @AsianBanking. https://t.co/N1S2RZYpaH
Block Turns Cash App Score Into Fintech Data Service
Block’s Credit Score Play: Can Cash App Score Replace FICO? Block announced it’s selling its Cash App Score to third-party lenders. It could be one of the more interesting data-as-a-service businesses in fintech right now. New Fintech Snark Tank post: https://t.co/tItfZdy7IT
Stablecoin Payments Question Need for Traditional Rewards
If stablecoin is the future of payments, why do you need rewards? Are there FedNow rewards? ACH rewards? Check writing rewards? Wire rewards?
White House Meets Ripple on CLARITY Act, Aiming Crypto Capital
LATEST: Ripple CLO Stuart Alderoty joined today’s White House stablecoin yield meeting, saying work will continue on the CLARITY Act to get it right and make the US the crypto capital of the world. https://t.co/BIFNUWh8la
Spark: Easiest, Fastest, Cheapest Lightning Integration
🚀! A reminder that the easiest, fastest, cheapest way to add Lightning to your product and wallet is @spark https://t.co/cVqtdpsgxP
Uniswap Launches Free API and CLI for Instant Swaps
One of the things I'm most excited about at Uniswap right now is the hardcore focus on dev tooling Still in beta, but we just rolled out a dev portal with a free rest-API for swapping and an agent CLI Devs and...
Retail Banking Strategies Lag Behind Execution in 2026
The 2026 Retail Banking Trends research reveals a clear gap between strategy and execution across digital, payments, AI, and partnerships. Watch the full video: https://t.co/qrsFZDRVT6 https://t.co/pesk3Lrhfe
Fintech Team @Fintechaaron Gains On‑Chain Momentum
This is a team to watch. I have to say, after some initial skepticism, the drive and vision of @fintechaaron and the @rhythmic_io team won me over. Financial services are coming onchain. Excited for @thefintechfund to invest alongside @dragonfly_xyz and @deptvc. 🚀 https://t.co/YWI00yxELS
Bitcoin IRAs Offer Solution to Retirement Savings Crisis
Crazy stat: 20% of Americans over 50 have ZERO retirement savings. The traditional system isn’t working… so many of us turned to Bitcoin as the main plan. Self-custody matters. Sovereignty matters. For long-term retirement planning, tax strategy can matter too. I sat...
Earn 9% APY and Win $25K USDC
Shoutout to @FigureMarkets for backing the show—and giving Unchained listeners a shot at $25K in USDC 🎯 Earn hourly yield (~9% APY) and enter the sweepstakes just by depositing. Details: https://t.co/ylK4YMjA3N
Crypto's Trillion‑dollar Market Is Vastly Under‑appreciated
Most people under-appreciate how large the addressable market is for crypto. Crypto is updating the entire financial system, from trading to payments to lending and more. Multiple trillions of dollars of revenue up for grabs.
Bank Relevance Demands Challenger Mindset, Not Just Tech
No amount of technology or marketing will make a bank relevant without a challenger mindset. Culture determines whether innovation ever reaches the customer. We discuss this with @EFulwiler, CEO of Rival. Watch the full episode: https://t.co/Y31f7tnfQ6 https://t.co/hmRJoRouya
Boards Urge CFOs to Embrace Stablecoins for Crypto Adoption
Great to be back on with @MariaBartiromo discussing Ripple’s banner year and accelerating momentum as we start 2026. Already, we are actively seeing Boards and CEOs pushing their CFOs and treasurers to understand how they can leverage and benefit from...
Neobank Middle Class Repriced: Acquisitions Turn Users Into Infrastructure
Two massive neobank acquisitions just happened. Stash sold to Grab for $425M (below its $747M raised) and Step got acquired by MrBeast. The neobank middle class is getting repriced: if you can't hit escape velocity, you become infrastructure for someone else's...
Agent Economy Bottleneck Shifts From Intelligence to Identity
New on the not-a-newsletter... KYA Now https://t.co/QX96zNPFUt Sean Neville, co-founder of Circle, was quoted in A16Z’s “17 things we’re excited about for crypto in 2026”. He said that the bottleneck in the agent economy “is shifting from intelligence to identity”. https://t.co/eUPxXe5X4K
Real‑time 24/7 Global Payments Now Available Instantly
At @Lightspark we first focused on the most difficult global money movement problem: realtime, 24/7 P2P for banks. It gave us superpowers now available for B2B, B2C payouts, global pay-ins/virtual accounts, and treasury management. Same day setup: https://t.co/1cRJucmFKd
Earn Bitcoin by Holding USDC with Coinbase One
New way to stack sats: hold USDC, earn Bitcoin. Sometimes the smaller features are the coolest ones. Coinbase One members can choose to receive their weekly rewards in either BTC or USDC, rolling out now.
Gemini Adds Crypto and Credit Card Funding for Prediction Markets
NEW: Users can now fund their prediction market trades with crypto and credit cards on Gemini 🤝 https://t.co/HJZcd1AuOZ
Stripe's Bridge Secures First Step Toward Nationwide Stablecoin Charter
Stripe's Stablecoin Firm Bridge Wins Initial Approval of National Bank Trust Charter Joins Circle, Ripple, BitGo, Paxos, Fidelity Digital—all got conditional OCC approval Dec 2025. Anchorage Digital (2021) remains only crypto firm with finalized charter. National charter = operate across all...
Quarterly Report Tracks Stablecoin Paradigm Shift
Today, @TheStablecon and @Artemis drop "The State of Stables," our quarterly report on the trends driving the fast-moving stablecoin ecosystem. It’s impossible to know today what the legacy of stablecoins will be. Entrepreneurs have barely begun to challenge the dominant paradigms in...
Armstrong Blames Trade Groups, Urges Banks to Embrace Stablecoin Yields
NEW: Brian Armstrong says banking trade groups, not individual banks, are blocking crypto market structure progress, and that banks should see stablecoins with yield as an opportunity, not a threat https://t.co/fU43imp3Gg
Modern Treasury Unveils Payment Orchestration and Stablecoin Strategies
New pod just dropped: @ModernTreasury CEO @mattgmarcus & lead counsel @regulatorynerd joined me to discuss MT's new payment service provider capabilities, who needs payment orchestration, the stablecoin gold rush & so much more. Find it where ever you get pods or...
Deutsche Börse's €5.3B Allfunds Deal Creates Integrated DMI
Deutsche Börse is acquiring Allfunds for €5.3B, marking the largest infrastructure deal of 2026. Advancing towards a vertically integrated Digital Market Infrastructure (DMI). From clearing to owning the digital ledger of the entire fund lifecycle. Deutsche Börse Group and Allfunds Group Sign...
Serving Customers Banks Shun: CreditOne’s Strategy
[New Episode] How to Serve the Customers Most Banks Avoid. Interview with Steve Min, Chief Credit Officer of @CreditOneBank. Watch the latest episode now: https://t.co/wUIHckaAy4 https://t.co/A9qJ3lPsUy
Crypto Cuts HELOC Origination Cost From $11K to $730
Why does it cost $11,000 to originate a HELOC? Most industry experts would point to regulatory and compliance hurdles. After all, it's one of the few departments in FIs that keeps growing. @mcagney and @Figure proved otherwise: 45 days → 5 days to...
Modern Treasury Redefines PSP Standards for 2026
Modern Treasury just became a PSP competing with Stripe and Adyen. But that undersells it massively. What they really did was rethink what a PSP needs to be in 2026. 👇 https://t.co/UQF88miBKC
Push‑to‑Card Enables Instant Fiat Payouts From Stablecoins
Push to Card solves a major issue for off-ramping. Often getting stablecoins anywhere was easy. Getting them to fiat was hard. Pushing the stablecoins to cards does two things 1. Gets there instantly/24*7 2. Can be spent as fiat instantly For payouts use cases its a...
Wall Street's Bitcoin Bet Fails as Hedge Thesis Crumbles
Bitcoin Won Over Wall Street and Now It’s Paying the Price Wall Street may invest in BTC but that doesn't mean they are "hodlers" with the same religious zeal shown by many who profess to "never sell." -Bitcoin's price has...
Get Identity Right, Then Everything Improves Easily
If you want to make things better, start with identity. Get identity right, and everything else becomes easier to improve. Full episode on FF News 👉 https://t.co/aL2XcVsYco https://t.co/YMfPYiOiI1
UBS Accelerates AI to Transform Banking Operations
UBS Steps Up AI Initiatives to Reshape Banking Operations - Fintech Schweiz Digital Finance News - FintechNewsCH https://t.co/lzgbtiumUP
