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<div style="display: none; max-height: 0px; overflow: hidden;">Founded in 2018, Figure uses blockchain to streamline how lenders and borrowers connect in the home loan market. It processes home equity loans </div>
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<h1><strong>TLDR Fintech <span id="date">2025-09-15</span></strong></h1>
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<strong>Figure Technology raises $787.5 million in US IPO (3 minute read)</strong>
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Founded in 2018, Figure uses blockchain to streamline how lenders and borrowers connect in the home loan market. Its platform processes home equity loans in just 10 days, far faster than the 42-day industry average. The company's $787.5 million IPO values it at $5.29 billion, positioning it as a fintech player redefining mortgage lending speed and efficiency.
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<strong>Lendbuzz Files for IPO, Targeting $1.5B Valuation (3 minute read)</strong>
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Following recent IPOs from Klarna and Chime, Boston-based auto finance fintech Lendbuzz has filed for an IPO, aiming for a roughly $1.5B valuation as it joins a wave of fintechs heading to the public markets. Founded a decade ago, the company uses alternative data and machine learning to underwrite borrowers with limited credit histories, funding loans through securitizations, warehouse lines, and portfolio sales to institutional investors. The deal will be led by Goldman Sachs and JPMorgan.
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<strong>BlackRock Explores Tokenizing ETFs After Bitcoin Fund Success (3 minute read)</strong>
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BlackRock is evaluating ways to launch tokenized exchange-traded funds, extending blockchain innovation beyond its $2B BUIDL money-market fund and blockbuster Bitcoin ETF. Tokenized ETFs could enable 24/7 trading, global access, and new uses as collateral in crypto networks, though regulatory and infrastructure hurdles remain. CEO Larry Fink has said every financial asset can be tokenized, signaling BlackRock's intent to lead in reshaping markets through blockchain.
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<strong>Elliott Builds Stake in Bill Holdings Amid Takeover Buzz (3 minute read)</strong>
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Elliott Management has acquired at least 5% of Bill Holdings, becoming one of its top five investors and adding to pressure already applied by Starboard Value's recent 8.5% stake. Bill, once valued at $34B but now down 85% from its peak, processes over $300B in SMB payments annually and is expanding into larger clients while funding buybacks with its $400M cash pile. The move comes as depressed fintech valuations spark buyouts—competitors Coupa, AvidXchange, and Melio have all been taken private or sold in recent years.
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<h1><strong>Deep Dives & Reports</strong></h1>
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<strong>From A2A to A2B2B2A (6 minute read)</strong>
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Account-to-account payments are gaining traction for their speed and cost savings, but they leave gaps around recurring payments and fraud prevention. The argument is that bots will step in, managing everything from subscriptions to fraud detection while also trading and negotiating on behalf of users. If that future unfolds, the real customers in financial services may no longer be people, but their bots.
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<strong>Figure Technologies CEO on IPO: ‘Blockchain lets us displace trust with truth' (6 minute video)</strong>
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Figure Technologies recently went public under the ticker FIGR after raising more than $780 million, with strong investor interest in its blockchain-first model. The company has already facilitated $17B in loan originations and $55B in transactions while generating $340M in revenue and $100M+ in profit last year. In this video interview, CEO Mike Cagney explains how the fresh capital will fuel the expansion of blockchain applications into equities, commodities, and currencies—pushing to reshape capital markets at scale.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fblogposting%2F29267%2Fbeyond-the-transaction-how-embedded-payments-are-redefining-the-customer-experience%3Futm_source=tldrfintech/1/010001994d7ae7af-2e76d886-93cb-4e6a-84c9-c08446524484-000000/glP1JX8fEfyQcKU7Nx0rCRE0CfndIl_RvO954knkiIY=422">
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<strong>How Embedded Payments Are Redefining the Customer Experience (8 minute read)</strong>
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Embedded payments aren't a nice-to-have or a bolt-on. They're a fundamental part of modern commerce. We all need to think beyond the transaction and view payments as an enabler to better customer experiences, higher conversions, and deeper loyalty. As consumer demands and expectations continue to evolve, the winners will be those who stay agile, personalise with intent, and test relentlessly.
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<strong>Uber Teams with Pipe to Offer Seamless Capital for Restaurants (3 minute read)</strong>
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Uber Eats is partnering with fintech firm Pipe to embed pre-approved capital offers directly into its restaurant manager app, giving small businesses faster access to funding without credit checks or personal guarantees. Pipe uses AI to analyze six months of anonymous transaction data to determine offers, with 98% of applications approved and funds typically delivered within 24 hours. The flexible repayment model aligns with revenue flow, helping restaurants expand and manage cash flow more effectively than traditional loans.
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Stripe announced it will roll out Stripe Capital in Australia, giving SMBs quick, flexible financing based on their payments history, with funds disbursed in as little as two days and repayments tied to revenue. The move comes as Stripe surpasses 1M users across Australia and New Zealand, with adoption fueled by AI tools, stablecoin readiness, and cross-border payment growth. Platforms like me&u will also be able to embed Stripe Capital into their offerings, expanding access to financing across the ecosystem.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fnewsarticle%2F46573%2Frevolut-introduces-pay-by-bank-option%3Futm_source=tldrfintech/1/010001994d7ae7af-2e76d886-93cb-4e6a-84c9-c08446524484-000000/kgw2QGw2W8_MqG2Ick3Xe_j_ardrZzlkxEN1XUYaXt8=422">
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<strong>Revolut introduces Pay by Bank option (3 minute read)</strong>
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Revolut has rolled out a new account-to-account payment feature that lets customers pay merchants directly from their bank app, bypassing traditional card networks. The move comes as Pay by Bank adoption climbs in the UK, where monthly open banking transactions jumped from 15 million to 27 million over the past year, now serving 14 million users. For merchants, the tool promises lower costs and fewer fraud risks, while customers get a faster, card-free checkout experience.
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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%2Fpaypal-ceo-rejects-stablecoin-threat%2F759966%2F%3Futm_source=tldrfintech/1/010001994d7ae7af-2e76d886-93cb-4e6a-84c9-c08446524484-000000/sBJZeEI_y2XnSlQPQ-9ZApyiIDPhzR5XiZaK5r-Yi7s=422">
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<strong>PayPal CEO Sees Stablecoins as Opportunity, Not Threat (3 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Speaking at Goldman Sachs' Communacopia + Tech Conference, PayPal CEO Alex Chriss dismissed concerns that stablecoins could disrupt existing payments, instead calling them “the next evolution of payments.” He highlighted opportunities in cross-border and B2B use cases, alongside PayPal's own PYUSD stablecoin and a new crypto-to-stablecoin conversion tool with Mesh. While noting mainstream adoption will take time, Chriss said stablecoins can cut friction and cost, positioning PayPal to lead in digital payments innovation.
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<strong>Nasdaq makes push to launch trading of tokenized securities (2 minute read)</strong>
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Nasdaq is working with U.S. regulators to introduce trading of tokenized securities, becoming the latest major financial player on Wall Street to double down on a boom in tokenization amid an easing of crypto regulations under the Trump administration. If approved, the move would mark the first instance of tokenized securities being allowed to trade on a major U.S. stock exchange, and also signify the most ambitious attempt yet by an exchange operator to bring blockchain-based settlement into the national market system.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffinance.yahoo.com%2Fnews%2Fgemini-banks-425m-ipo-joins-105208301.html%3Futm_source=tldrfintech/1/010001994d7ae7af-2e76d886-93cb-4e6a-84c9-c08446524484-000000/XHIgHvKIqFIzYli8pcnes_QL_XwSOw585tsvnWigT5Q=422">
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<strong>Gemini banks $425m in IPO as it joins Bullish and Coinbase as a publicly traded crypto exchange (2 minute read)</strong>
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Gemini raised $425 million in its Nasdaq debut at $28 a share, valuing the Winklevoss-led crypto exchange at over $3 billion after investor demand topped 20 times the available shares.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2025-09-10%2Frobinhood-aims-new-social-platform-at-reddit-s-wallstreetbets%3Futm_source=tldrfintech/1/010001994d7ae7af-2e76d886-93cb-4e6a-84c9-c08446524484-000000/n2mMhSzTJJ1kVBas7QPtOeoqZlmYnqfdwvCQkXPZvKQ=422">
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<strong>Robinhood aims new social platform at Reddit's WallStreetBets (3 minute read)</strong>
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Robinhood Social is a platform where users can post trades, track real-time performance, and comment on strategies.
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<strong>X Money setbacks continue (4 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Elon Musk's push to turn X into a payments platform has hit another roadblock, as New York regulators withheld approval needed for a nationwide launch.
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