<!DOCTYPE html><html lang="en"><head><meta http-equiv="Content-Type" content="text/html charset=UTF-8"><meta charset="UTF-8"><meta name="viewport" content="width=device-width"><meta name="x-apple-disable-message-reformatting"><title>TLDR Fintech</title><meta name="color-scheme" content="light dark"><meta name="supported-color-schemes" content="light dark"><style type="text/css">
:root {
color-scheme: light dark; supported-color-schemes: light dark;
}
*,
*:after,
*:before {
-webkit-box-sizing: border-box; -moz-box-sizing: border-box; box-sizing: border-box;
}
* {
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;
}
html,
body,
.document {
width: 100% !important; height: 100% !important; margin: 0; padding: 0;
}
body {
-webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; text-rendering: optimizeLegibility;
}
div[style*="margin: 16px 0"] {
margin: 0 !important;
}
table,
td {
mso-table-lspace: 0pt; mso-table-rspace: 0pt;
}
table {
border-spacing: 0; border-collapse: collapse; table-layout: fixed; margin: 0 auto;
}
img {
-ms-interpolation-mode: bicubic; max-width: 100%; border: 0;
}
*[x-apple-data-detectors] {
color: inherit !important; text-decoration: none !important;
}
.x-gmail-data-detectors,
.x-gmail-data-detectors *,
.aBn {
border-bottom: 0 !important; cursor: default !important;
}
.btn {
-webkit-transition: all 200ms ease; transition: all 200ms ease;
}
.btn:hover {
background-color: #f67575; border-color: #f67575;
}
* {
font-family: Arial, Helvetica, sans-serif; font-size: 18px;
}
@media screen and (max-width: 600px) {
.container {
width: 100%; margin: auto;
}
.stack {
display: block!important; width: 100%!important; max-width: 100%!important;
}
.btn {
display: block; width: 100%; text-align: center;
}
}
body,
p,
td,
tr,
.body,
table,
h1,
h2,
h3,
h4,
h5,
h6,
div,
span {
background-color: #FEFEFE !important; color: #010101 !important;
}
@media (prefers-color-scheme: dark) {
body,
p,
td,
tr,
.body,
table,
h1,
h2,
h3,
h4,
h5,
h6,
div,
span {
background-color: #27292D !important; color: #FEFEFE !important;
}
}
a {
color: inherit !important; text-decoration: underline !important;
}
</style><!--[if mso | ie]>
<style type="text/css">
a {
background-color: #FEFEFE !important; color: #010101 !important;
}
@media (prefers-color-scheme: dark) {
a {
background-color: #27292D !important; color: #FEFEFE !important;
}
}
</style>
<![endif]--></head><body class="">
<div style="display: none; max-height: 0px; overflow: hidden;">Navan has officially filed to go public, revealing revenue of $537M in fiscal 2025, up 33% year-over-year, though still posting a $181M net loss </div>
<div style="display: none; max-height: 0px; overflow: hidden;">
<br>
</div>
<table align="center" class="document"><tbody><tr><td valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="container" width="600"><tbody><tr class="inner-body"><td>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr class="header"><td bgcolor="" class="container">
<table width="100%"><tbody><tr><td class="container">
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" style="margin-top: 0px;" width="100%"><tbody><tr><td style="padding: 0px;">
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div style="text-align: center;">
<span style="margin-right: 0px;"><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftldr.tech%2Ffintech%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/uzlD3KGcaiv9haVKdjvuVJi6xh6SFndfIdFNC72vchw=424" rel="noopener noreferrer" target="_blank"><span>Sign Up</span></a>
|<span style="margin-right: 2px; margin-left: 2px;"><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fadvertise.tldr.tech%3Futm_source=tldrfintech%26utm_medium=newsletter%26utm_campaign=advertisetopnav/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/u1XCmARoBFaaz27BkNjIsjTJAouS9TJQumhw9Y3qrV4=424" rel="noopener noreferrer" target="_blank"><span>Advertise</span></a></span>|<span style="margin-left: 2px;"><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fa.tldrnewsletter.com%2Fweb-version%3Fep=1%26lc=166fc086-84b7-11f0-a46b-2567a0c406a7%26p=2c6b5162-9d2a-11f0-96c5-0d3fc2a93edf%26pt=campaign%26t=1759151132%26s=c0c6aaf23c513cfaafc3a6c1a5cf7f6e04d5b990b2779a2cab53a745633e465b/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/CXohTrdYouU8QgkKLVbKSM3PNqlRIT6f-DspAkehRPw=424"><span>View Online</span></a></span>
<br>
</span></div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="text-align: center;"><span data-darkreader-inline-color="" style="--darkreader-inline-color:#3db3ff; color: rgb(51, 175, 255) !important; font-size: 30px;">T</span><span style="font-size: 30px;"><span data-darkreader-inline-color="" style="color: rgb(232, 192, 96) !important; --darkreader-inline-color:#e8c163; font-size:30px;">L</span><span data-darkreader-inline-color="" style="color: rgb(101, 195, 173) !important; --darkreader-inline-color:#6ec7b2; font-size:30px;">D</span></span><span data-darkreader-inline-color="" style="--darkreader-inline-color:#dd6e6e; color: rgb(220, 107, 107) !important; font-size: 30px;">R</span>
<br>
</td></tr></tbody></table>
<br>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr id="together-with"><td align="center" height="20" style="vertical-align:middle !important;" valign="middle" width="100%"><strong style="vertical-align:middle !important; height: 100%;">Together With </strong>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffin.ai%2Fsolutions%2Ffinancial-services%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=f_tldr_newsletter_bmkt_ba_awar_pros_3p_fintech-vertical_namer_us_en_newsletter/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/b8YBxp5DNE-wx48S9pyy0GS7HEknUWsZelJUufUUdRQ=424"><img src="https://images.tldr.tech/finintercomr&dunlimited.png" valign="middle" style="vertical-align: middle !important; height: 100%;" alt="Intercom"></a></td></tr></tbody></table>
<table style="table-layout: fixed; width:100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;">
<div style="text-align: center;">
<h1><strong>TLDR Fintech <span id="date">2025-09-29</span></strong></h1>
</div>
</td></tr></tbody></table>
<table style="table-layout: fixed; width:100%;" width="100%"><tbody><tr id="sponsy-copy"><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffin.ai%2Fsolutions%2Ffinancial-services%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=f_tldr_newsletter_bmkt_ba_awar_pros_3p_fintech-vertical_namer_us_en_newsletter/2/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/XgabYgPDPKJ4vw8n1ObjnyzYF7ptkoEnH678YA_0vmg=424">
<span>
<strong>This AI agent handles fraud claims better than most human agents (Sponsor)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Intercom's <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffin.ai%2Fsolutions%2Ffinancial-services%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=f_tldr_newsletter_bmkt_ba_awar_pros_3p_fintech-vertical_namer_us_en_newsletter/3/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/okYCFenicuwHKQFIGyfXQrrUOwqC0TJc-RpYcgFGC6Y=424" rel="noopener noreferrer nofollow" target="_blank"><span>Fin</span></a> is the best-performing AI Agent for financial services, handling complex queries like fraud claims and transaction disputes with the accuracy of your best human agent.
<p></p>
<p>Unlike generic chatbots, Fin is built specifically for regulated financial services companies. It integrates with existing helpdesks, follows your business rules, and maintains full audit trails.</p>
<p>✅ Teams at Consensys, Aspire, and Fundrise have achieved 50-70% resolution rates while staying fully compliant with financial regulations.</p>
<p><a class="underline" href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffin.ai%2Fsolutions%2Ffinancial-services%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=f_tldr_newsletter_bmkt_ba_awar_pros_3p_fintech-vertical_namer_us_en_newsletter/4/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/xEveSPAtbIJwMKknKvGE3ImzqEG8C5T5dnLqCcnbsvA=424" rel="noopener noreferrer nofollow" target="_blank"><span><strong>Try Fin for hallucination-free customer support</strong></span></a><strong> </strong></p>
<p>👉 Want to see how fintech and finserv leaders are implementing AI-first support strategies? Join 400+ executives at <a class="underline" href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fpioneer.fin.ai%2F%3Futm_source=ii-newsletter%26utm_medium=email%26utm_campaign=20251009_all_ev_all_global_enus_all_all_all_pioneer25nyc%26utm_term=tldr%26utm_content=sept22/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/wlVo5_uXLce4ZBHKmqGhUPbLI1BE5ih9ugIjpapBaQI=424" rel="noopener noreferrer nofollow" target="_blank"><span>Pioneer summit on October 9th in NYC</span></a> - featuring speakers from Anthropic, Boston Consulting Group, and Gary Vaynerchuk.
</p>
</span></span></div>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr>
<tr bgcolor=""><td class="container">
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td style="padding: 0px;">
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">📱</span></div></div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;">
<h1><strong>News & Trends</strong></h1>
</div>
</div>
</td></tr></tbody></table>
<table style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.thisweekinfintech.com%2Fa-look-at-navans-s-1%2F%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/HNya2nBCTk0YtOpR7ReQ4XuBPTZQ2-vWzJ16SbXgtd8=424">
<span>
<strong>Navan files for IPO on Nasdaq under symbol “NAVN” (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Navan has officially filed to go public, revealing revenue of $537 million in fiscal 2025, up 33% year-over-year, though still posting a $181 million net loss. The company serves over 10,000 customers, including Pinterest, Lyft, and Okta, with gross booking volume reaching $7.6 billion in the past year. Backed by more than $1.5 billion in venture funding, Navan is positioning itself against Ramp and Brex while leaning heavily on AI tools like its assistant Ava and proprietary Navan Cognition to boost efficiency and margins.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffinance.yahoo.com%2Fnews%2Fhood-stock-p-500s-top-141500304.html%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/rZ49YeaEcZ6k10FJcQ8po4joZXd-JzEvSapKQ24lRtc=424">
<span>
<strong>Robinhood joined the S&P 500 Index (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Robinhood Markets HOOD joined the S&P 500 Index on September 22 as part of the index's quarterly rebalancing. The stock is now the index's best year-to-date performer, with a whopping 229.2% surge. HOOD's remarkable rally is driven primarily by strong financial results, aggressive expansion into new products and markets, exceptional growth in platform assets and user accounts, and a favorable operating backdrop.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthepaypers.com%2Fpayments%2Fnews%2Fphonepe-files-for-usd-15-billion-ipo-through-a-confidential-process%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/dJ1tacifgL-6mUB_98qBUcAtJrhyn_eEHjKh5RzTyqo=424">
<span>
<strong>PhonePe files for USD 1.5 billion IPO through a confidential process (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Walmart-backed PhonePe has quietly filed for an IPO that could raise $1.5 billion and value the company at around $15 billion. The offering is expected to include both new shares and an offer-for-sale from major backers like Walmart, Tiger Global, and Microsoft, with roughly 10% of equity up for grabs. Despite posting losses of nearly $195 million in FY25, the fintech giant continues to dominate India's UPI ecosystem, serving 600 million users and processing over 310 million daily transactions.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">🚀</span></div>
</div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;">
<h1><strong>Deep Dives & Reports</strong></h1>
</div>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.citigroup.com%2Fglobal%2Fnews%2Fpress-release%2F2025%2Fciti-unveils-citi-stylus-workspaces-agentic-ai-turbocharging-productivity/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/I0tKA1-xoRJKuVQ0oVwd1nAV8dVs7G8lyVMlZceyy4o=424">
<span>
<strong>Citi deploys agentic tools to in-house AI platform (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Citi is rolling out agentic AI capabilities to 5,000 employees through its Citi Stylus Workspaces platform, which integrates Google's Gemini and Anthropic's Claude models. The tools allow staff to automate multi-step workflows, conduct deep research, and generate insights from large datasets, with use cases ranging from market analysis to multilingual translation.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.forbes.com%2Fsites%2Fronshevlin%2F2025%2F09%2F28%2Fhow-banks-can-help-gen-z-and-millennials-up-their-credit-score%2F%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/mye5wK-N5MDTO0ZlqbhR9J7KhOeGmdfSEEOnAis8_30=424">
<span>
<strong>How banks can help Gen Z and millennials up their credit score (8 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
New research from Cornerstone Advisors and Bloom Credit reveals a gap between what banks offer and what consumers need. Gen Z and Millennial consumers with sub-prime and near-prime credit scores overwhelmingly want a checking account that helps them build and improve their credit profiles.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">💻</span></div>
</div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;">
<h1><strong>Launches & Products</strong></h1>
</div>
</div>
</td></tr></tbody></table>
<table style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.marqeta.com%2Fcmp%2Fno-compromise%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=fy25q3_no_compromise%26utm_content=tldr_fintech_secondary_cta1/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/yitxqJK0AgHRkltvxq_SC3FMiWvk10MDLPNnjdaGjuk=424">
<span>
<strong>Payments experiences that work <s>or </s> <em>and </em>that inspire (Sponsor)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Don't compromise on your vision for the reliable experience your customers deserve. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.marqeta.com%2Fcmp%2Fno-compromise%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=fy25q3_no_compromise%26utm_content=tldr_fintech_secondary_cta1/2/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/7COdZs-XEa_vEPeng_UjtKaUHuIFHfzHNQpIHcDghP0=424" rel="noopener noreferrer nofollow" target="_blank"><span>Get the best of both worlds with Marqeta</span></a>: a payments provider who can keep pace with your own innovation - and that's trusted by some of the biggest brands in the world. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.marqeta.com%2Fcmp%2Fno-compromise%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=fy25q3_no_compromise%26utm_content=tldr_fintech_secondary_cta2/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/zgZo7fn_VwQQfMXxzJPfdyl9By5Cj1nb5-BhK4DPJM0=424" rel="noopener noreferrer nofollow" target="_blank"><span>See what's possible</span></a>
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F107196%2Fhsbc-begins-international-roll-out-of-tokenized-deposit-service%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/48T4BTHUsVzS_pbiCVR1okAqoRrcSa1XiqpTVTxVmB0=424">
<span>
<strong>HSBC begins international rollout of tokenized deposit service (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
HSBC is expanding its blockchain-powered Tokenised Deposit Service (TDS) beyond Asia to enable instant, 24/7 cross-border settlement for corporate clients. The system recently processed its first USD transfer between Hong Kong and Singapore for Ant International and has now extended coverage to the UK and Luxembourg with support for GBP, EUR, and USD. By tokenizing traditional deposits on distributed ledgers, HSBC aims to streamline treasury management, eliminate settlement cut-off times, and lay the groundwork for programmable, next-gen digital money infrastructure.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fnewsarticle%2F46662%2Fklarna-revels-in-one-million-us-debit-card-sign-ups%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/uoaytkjyzsYdFv1flRJXbTHwkDnIEA2wu2uAhU-19kE=424">
<span>
<strong>Klarna revels in one million US debit card sign ups (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Over a million Americans have signed up for Klarna's debit card in just eleven weeks since launch. Launched in the US on 4 July, the Klarna Card provides consumers with the option to pay upfront or by installments, both in-store and online. Klarna says Americans are signing up for the card at a rate of 13,000 a day, hitting a peak of 50,000 sign-ups on 23 September.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">🎁</span></div></div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
</div>
</td></tr></tbody></table>
<table bgcolor="" style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthefinancialbrand.com%2Fnews%2Fgen-z-banking%2Fthe-three-pillars-of-gen-z-banking-how-to-help-young-adults-save-while-paying-down-debt-192520/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/ujRAJxjpwoEg2R25WFVlJReXPTXnUJUEj3zCCQ-XMWk=424">
<span>
<strong>Gen Z conundrum: how to help young adults save while they pay off debt (8 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Banks are being challenged to serve Gen Z, a generation juggling debt, rising living costs, and an appetite for seamless digital experiences. Financial providers are exploring flexible tools like “soft saving,” reversible debt payments, and customizable rewards to ease short-term strain while supporting long-term goals. With Gen Z's high trust in AI, institutions that build fast, conversational interfaces for transactions and personalized advice can build loyalty.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.cnbc.com%2F2025%2F09%2F25%2Feuropean-banks-seize-on-regions-nascent-stablecoin-market-with-new-launch.html%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/rkvWeRvBSqrHB5Ax43eUpZid8uz50Wn5JU55eVOrUlM=424">
<span>
<strong>European banks launch euro stablecoin consortium (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Nine major banks, including UniCredit, ING, and SEB, will launch a regulated euro-backed stablecoin in 2026 to boost Europe's digital payment autonomy. The move, licensed by the Dutch Central Bank under MiCAR, aims to counter US dominance in stablecoins and could accelerate the timeline for a digital euro.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">⚡</span></div></div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;">
<h1><strong>Quick Links</strong></h1>
</div>
</div>
</td></tr></tbody></table>
<table bgcolor="" style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthreadreaderapp.com%2Fthread%2F1971656850316861892.html%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/OHIKF6FTgAZ1VziMcGV8XGfZXLyP9YMnQZWigZxtiIM=424">
<span>
<strong>Robinhood begins rollout of Banking (1 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Robinhood has started rolling out its new Banking service to external customers, offered in partnership with Coastal Community Bank, Member FDIC.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2FYn9DJV%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/sjnzlUdvfrx7DMmnQwa6RPWzaOVMe2O7CXt8JkYi01U=424">
<span>
<strong>Cloudflare to launch NET Dollar stablecoin (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Cloudflare will soon debut NET Dollar, a fully USD-collateralized stablecoin designed for automated, cross-network transactions, joining a wave of new entrants including Bank of America, Tether, and Hyperliquid.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.swift.com%2Fnews-events%2Fnews%2Ftransforming-experience-retail-cross-border-payments%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/Fbejzh6sGy-w_BSbSaVQqQ8qGEodkCxfw9xruj8vQjg=424">
<span>
<strong>Swift launches new global standard for retail cross-border payments (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Swift and 30+ banks are rolling out a scheme to guarantee faster, more transparent, and predictable cross-border retail payments, aligning with the G20 roadmap and aiming to deliver domestic-level speed and confidence to over 4 billion accounts worldwide.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Ftipalti-secures-200-million-in-financing-finance-ai-automation-agentic%2F761090%2F%3Futm_source=tldrfintech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/-mTntkjywwiHjgyX0gfb127VVSNetdCnaiCb-uz95Hc=424">
<span>
<strong>Tipalti secures $200M in financing (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Finance automation firm Tipalti raised $200M from Hercules Capital to expand its AI-driven accounts payable, procurement, and expense tools.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td align="left" style="word-break: break-word; vertical-align: top; padding: 5px 10px;">
<p style="padding: 0; margin: 0; font-size: 22px; color: #000000; line-height: 1.6; font-weight: bold;">
Want to advertise in TLDR? 📰
</p>
<div class="text-block" style="margin-top: 10px;">
If your company is interested in reaching an audience of fintech professionals and decision makers, you may want to <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fadvertise.tldr.tech%2F%3Futm_source=tldrfintech%26utm_medium=newsletter%26utm_campaign=advertisecta/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/_D2BJfpKbgCo0VVZ00kGu-mfMffp79CqJHfqQIA26AE=424"><strong><span>advertise with us</span></strong></a>.
</div>
<br>
<!-- New "Want to work at TLDR?" section -->
<p style="padding: 0; margin: 0; font-size: 22px; color: #000000; line-height: 1.6; font-weight: bold;">
Want to work at TLDR? 💼
</p>
<div class="text-block" style="margin-top: 10px;">
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fjobs.ashbyhq.com%2Ftldr.tech/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/YOQBob4OkcMSzvb0rM6aukR95RdNojARWvlOEMS4F1E=424" rel="noopener noreferrer" style="color: #0000EE; text-decoration: underline;" target="_blank"><strong>Apply here</strong></a> or send a friend's resume to <a href="mailto:jobs@tldr.tech" style="color: #0000EE; text-decoration: underline;">jobs@tldr.tech</a> and get $1k if we hire them!
</div>
<br>
<div class="text-block">
If you have any comments or feedback, just respond to this email!
<br>
<br> Thanks for reading,
<br>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Frachitakumar%2F/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/J2kTRowNscCTTmQ-0rjTeXPkn-fpBTyVqByD3K0Eyoc=424"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/szat7COk7eyWEdlAtw8AIdtWeEQlfglmCIEqQuTlNfE=424"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/_54CM4mqoHeSZg4y9O3tBFy6kKcXjGSeiEsyyYTa98g=424"><span>Gabriel Sundaram</span></a>
<br>
<br>
</div>
<br>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block" id="testing-id">
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftldr.tech%2Ffintech%2Fmanage%3Femail=silk.theater.56%2540fwdnl.com/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/VUxIZ7DYIqp_InwiH-EKwUR0BRUnYeMMK0zpmyKSul0=424">Manage your subscriptions</a> to our other newsletters on tech, startups, and programming. Or if TLDR Fintech isn't for you, please <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fa.tldrnewsletter.com%2Funsubscribe%3Fep=1%26l=a9f58246-0e2a-11ef-8572-09f6f474b7ba%26lc=166fc086-84b7-11f0-a46b-2567a0c406a7%26p=2c6b5162-9d2a-11f0-96c5-0d3fc2a93edf%26pt=campaign%26pv=4%26spa=1759150866%26t=1759151132%26s=ed7df25a3cb6ee8f6fd124172327d973e5c113cc76ebf50f8a42881046d797a5/1/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/S292z14oeLnFcdTEdJ4WJjk8VZMLGT_LKr6etRfk-a4=424">unsubscribe</a>.
<br>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
<img alt="" src="http://tracking.tldrnewsletter.com/CI0/0100019995940dc1-81e9319c-3061-4c16-8573-7f830b14febb-000000/kK9XjaEgMdRND5BawgE7snJHu4wuuJpPdo-ZvOynVJg=424" style="display: none; width: 1px; height: 1px;">
</body></html>