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<div style="display: none; max-height: 0px; overflow: hidden;">Klarna secured $1.37 billion in its long-awaited U.S. market debut, selling shares at $40 each and reaching a valuation of about $15 billion </div>
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<h1><strong>TLDR Fintech <span id="date">2025-09-11</span></strong></h1>
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<strong>⚡️ On-demand market data APIs for fast-moving FinTechs ⚡️ (Sponsor)</strong>
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You need market data to build FinTech products - but most providers want you to sign enterprise contracts, integrate complex feeds, and pay for coverage you don't need.<p></p><p><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.quodd.com%2Fcloud-native-api-first-platform%3Futm_source=newsletter%26utm_medium=email%26utm_campaign=fall_primary%26utm_id=TLDR/3/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/LeVEXtCh92ic5uekPnNDDnvwcs0JoxhwOZcQcCX3upU=422" rel="noopener noreferrer nofollow" target="_blank"><span>QUODD</span></a> is the fintech-friendly alternative. Their cloud-native platform delivers <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.quodd.com%2Fcloud-native-api-first-platform%3Futm_source=newsletter%26utm_medium=email%26utm_campaign=fall_primary%26utm_id=TLDR/4/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/ZfR7VWau7AUVLlWmZMgE37Zf2WMZ1ftot1jBuGT32Ko=422" rel="noopener noreferrer nofollow" target="_blank"><span>real-time, historical, and reference data</span></a> across equities, ETFs, crypto, forex, fixed income—all through simple APIs. Integrate in minutes, and scale as you grow.</p>
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<p>1,800+ institutions are already using QUODD's on-demand data feeds. So can you. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.quodd.com%2Fcloud-native-api-first-platform%3Futm_source=newsletter%26utm_medium=email%26utm_campaign=fall_primary%26utm_id=TLDR/5/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/Kx4nrpyQmC8Qlfn-GYyqZIs3kyVenBCz3Pxd846w6KI=422" rel="noopener noreferrer nofollow" target="_blank"><span>Start here</span></a>
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<strong>Klarna raises $1.37 billion in US IPO, boosting fintech hopefuls (6 minute read)</strong>
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Klarna secured $1.37 billion in its long-awaited U.S. market debut, selling shares at $40 each and reaching a valuation of about $15 billion — far below its $45 billion peak in 2021 but still a major comeback from its $6.7 billion low in 2022. Demand was strong, with the IPO oversubscribed 25 times, signaling renewed investor appetite for fintechs despite ongoing macroeconomic headwinds. Analysts say Klarna's brand strength and consumer adoption give it an edge, but sustained losses highlight the pressure to balance rapid growth with profitability in a highly competitive BNPL market.
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<strong>Home Equity Lender Figure Aims For $4.1 Billion Valuation In IPO (6 minute read)</strong>
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Figure, a fintech founded by SoFi's Mike Cagney, is seeking a $4.13 billion valuation as it prepares to list on Nasdaq under the ticker “FIGR.” The company plans to raise up to $526 million, fueled by 60%+ revenue growth in 2024 and a swing from a $52 million loss in 2023 to $20 million in net income. Since its launch, Figure says its blockchain-powered platform has helped fund $17 billion in home equity loans across 49 states.
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<strong>Irish banks launch Revolut rival in 2026 (2 minute read)</strong>
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AIB, Bank of Ireland, and PTSB will roll out a joint mobile payments service called Zippay in early 2026, automatically enrolling over 5 million customers via their existing banking apps. The move aims to counter Revolut's rapid growth in Ireland, particularly among younger users, and marks a rare collaborative push by incumbent banks to defend market share.
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<strong>Fintech fixes AI's unit economics problem (6 minute read)</strong>
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AI coding and “vibe-coding” platforms face crippling COGS due to token-intensive usage and compute scarcity, making current subscription models unsustainable. Just as vertical SaaS solved margin pressure via embedded finance, AI-first platforms will need to integrate payments, lending, and commerce to align revenues with customer success. Every generative UI startup will eventually need a “head of payments” to fix economics and unlock growth.
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<strong>Ramp is taking aim at American Express by upending corporate credit cards. Can the $22.5 billion startup live up to the hype? (23 minute read)</strong>
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Ramp has gone from scrappy fintech to billion-dollar powerhouse, hitting $1B in annualized revenue just six years after launch and now serving 45,000+ businesses. The company started with a flat cash-back card but quickly expanded into expense management, bill pay, procurement, and AI-powered policy tools—positioning itself as a time-saver rather than just a money lender. With deep VC backing and ambitions to chip away at Amex's one-third share of the $2T corporate card market, Ramp is betting that AI-driven automation can give it the edge to justify its $22.5B valuation.
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<strong>The FinServ's guide to operationalizing customer signals with AI (Sponsor)</strong>
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Financial services collect massive volumes of customer signals from support tickets, calls, surveys, app reviews, and social media. But when feedback is fragmented, valuable insights get lost. This <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.unitq.com%2Fresource%2FCX-Intelligence-for-financial-services%2F%3Futm_campaign=22146172-TLDR%2520Fintech%26utm_source=newsletter%26utm_medium=secondary-placement%26utm_content=finserv%2520cx%2520workbook/2/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/llVOg9OX1DGAT2iqODKHjpZEu5nt9iVt3KrY55I1hRw=422" rel="noopener noreferrer nofollow" target="_blank"><span>free workbook</span></a> shows how to consolidate customer signals with AI and turn them into a decision-making engine. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.unitq.com%2Fresource%2FCX-Intelligence-for-financial-services%2F%3Futm_campaign=22146172-TLDR%2520Fintech%26utm_source=newsletter%26utm_medium=secondary-placement%26utm_content=finserv%2520cx%2520workbook/3/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/5PX894TTiszAp-aN29uiTH_O2fXi1CEg6i5nEedyqic=422" rel="noopener noreferrer nofollow" target="_blank"><span>Get your copy from unitQ (no registration required)</span></a>
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<strong>Amex hits 160m global acceptance locations, nearly 5x since 2017 (3 minute read)</strong>
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American Express announced its cards are now accepted at an estimated 160 million merchant locations worldwide as of June, nearly five times more than in 2017. Amex has reached virtual parity in the U.S. (99% acceptance) and expanded heavily in Japan, the UK, and the Caribbean, while also signing major European airlines and 700+ transit authorities globally. Amex cardholders spend 2.9x more annually in the U.S. and 4x more internationally compared to Visa and Mastercard customers.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fnewsarticle%2F46570%2Fmastercard-launches-on-demand-decisioning-tool%3Futm_source=tldrfintech/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/w3N6cfhfqRl2W7YPgYJh_XnX32unsek_UQmcUB6MUBY=422">
<span>
<strong>Mastercard launches On-Demand Decisioning tool (2 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Mastercard's On-Demand Decisioning (ODD) tool gives banks and fintechs more control over authorizations by letting them set rules directly on the Mastercard network. The customizable engine allows issuers to automate business logic, delivering instant approvals or declines aligned with customer experience strategies. ODD enhances security, flexibility, and reliability, marking a “game-changer” in transaction decisioning.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftechcrunch.com%2F2025%2F09%2F09%2Frobinhood-embraces-copy-trading-after-warning-competitors-about-regulatory-risks%2F%3Futm_source=tldrfintech/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/tPrptilwqadNTQ3S0Ny4osQ595gxGtrKYhTgQgfbw-U=422">
<span>
<strong>Robinhood embraces copy trading after warning competitors about regulatory risks (7 minute read)</strong>
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Robinhood is rolling out a new feature called Robinhood Social that lets users follow and manually replicate the trades of high-profile investors. The move marks a sharp reversal for the brokerage, whose CEO previously suggested copy trading could draw heightened regulatory scrutiny. By requiring manual trade replication and verified trader identities, Robinhood hopes to navigate evolving U.S. rules, signaling a broader shift that could accelerate copy trading's mainstream adoption in fintech.
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fgreat-hill-partners-investment-fund-payments%2F759497%2F%3Futm_source=tldrfintech/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/kGykQheRCrmknz4FrZ__xcWixcUr_ZssAg5g2S9nk-k=422">
<span>
<strong>Great Hill raises $7B fund for financial services and payments bets (3 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Great Hill Partners closed its ninth fund at $7B, surpassing its $5B target and bringing total capital raised to $19B. The firm will stick to middle-market buyouts in financial services, software, and business services, with a track record of big wins in payments (stakes in NMI, VersaPay, BlueSnap, Paytronix, and exits to Western Union, Fiserv, and Global Payments). The raise comes as global payments deal activity has slowed, though U.S. interest remains stronger.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fffnews.com%2Fnewsarticle%2Ffunding%2Frainforest-raises-29m-series-b-to-scale-seamless-embedded-payments-for-vertical-saas-platforms%2F%3Futm_source=tldrfintech/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/ix9dLaC9pmjf378MXOKQQ_sC8pDTH22jXOl1e7UkI-k=422">
<span>
<strong>Rainforest raises $29m Series B to scale embedded payments (3 minute read)</strong>
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Rainforest secured a $29m Series B led by Matrix Partners and Infinity Ventures, with Accel and Tech Square Ventures also participating, bringing total funding to $57.5m. The embedded payments provider for vertical SaaS has grown revenue 10x since its Series A, processing billions annually across sectors like healthcare, nonprofits, and professional services. The capital will support hiring, Canadian expansion, and product development, positioning Rainforest as a specialized alternative to Stripe Connect and Adyen Platforms.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fposts%2Ftbpn_elena-sakach-partner-gv-google-ventures-activity-7371311615213756416-J-16%3Futm_source=share%26utm_medium=member_desktop%26rcm=ACoAAA32rJkBCFg6qK7f7aa8EYzYJ9ha6bbpnfk/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/cztaDCyITgjXCArx6VN9L-PE8NMuPQXFF3AFdvKXwJc=422">
<span>
<strong>GV partner Elena Sakach on fintech's growth runway (1 minute read)</strong>
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</a>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Elena Sakach, partner at GV, noted that fintech “has always ebbed and flowed,” highlighting GV's early bets on Robinhood, Plaid, and Gusto, and a recent investment in Ramp. She described today's market as a “barbell” between early-stage problem solvers and untapped regions. With fintech's market cap just 4% of global financial services—an industry that makes up 20% of the S&P 500—the sector still has significant room to grow.
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<div style="text-align: center;"><span style="font-size: 36px;">⚡</span></div></div>
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<h1><strong>Quick Links</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffinovate.com%2Fcongrats-to-the-2025-finovate-awards-winners%2F%3Futm_source=tldrfintech/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/S6rAnYU3HfMK4kzUocvqYvxZqWtOqiQqDGpLtz5Umq0=422">
<span>
<strong>2025 finovate awards: winners announced (1 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Finovate has revealed the 26 winners of its 2025 Awards, highlighting standout companies and leaders shaping the future of fintech.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2025-09-10%2Fklarna-delivers-2-7-billion-gain-to-vc-investor-sequoia-capital%3Futm_source=tldrfintech/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/BEMrYolLQpoYqbm6-TfWZgBoG1RYzCnqYSIAqd2ufnI=422">
<span>
<strong>Sequoia Capital Reaps $2.7 Billion Gain on Klarna Bet in IPO (4 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Sequoia Capital's 21% stake is now worth $3.15 billion, translating to a $2.7 billion gain after two decades of backing the company.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Frachitakumar%2F/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/pEni4a9W8z4etREsWwA9QdDNzNPmqUQinKMoRGHTnHc=422"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/0js3_22obl7Qh4fkokX0jqmUNtn5Ve6cbU4cSlivkV4=422"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/0100019938e12f88-eaaeba5b-211a-4cdb-a420-f5712da96440-000000/qFNkMWQ0NX_vHJFx092K33GZM-AkFWIn4rI9Ex3WFJQ=422"><span>Gabriel Sundaram</span></a>
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