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<div style="display: none; max-height: 0px; overflow: hidden;">OpenAI has acquired Roi, a two-year-old AI-driven personal finance app known for blending portfolio management with personalized guidance </div>
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<h1><strong>TLDR Fintech <span id="date">2025-10-06</span></strong></h1>
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<strong>The fastest growing fintechs don't outsource... (Sponsor)</strong>
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They Outsource Fearlessly™ with <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fgo.ubiquity.com%2Foutsource_fearlessly%3Futm_campaign=21657859-2025-AlwaysOn%2520-%2520Clone%26utm_source=tldr%26utm_medium=newsletter6%26utm_term=fintech%2520outsource%2520fearlessly/3/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/jgA7FPw3Q_X5NTq17PjUgnljJwP5LpX5FRjuenrtano=425" rel="noopener noreferrer nofollow" target="_blank"><span>Ubiquity</span></a> 👇
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<p>With Ubiquity, outsourcing isn't just about moving faster. It's about <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fgo.ubiquity.com%2Foutsource_fearlessly%3Futm_campaign=21657859-2025-AlwaysOn%2520-%2520Clone%26utm_source=tldr%26utm_medium=newsletter6%26utm_term=fintech%2520outsource%2520fearlessly/4/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/JsTj5DHSRdiN_EXt2zB_bRq9KG8Y1mVvm6zQtkb3Yjk=425" rel="noopener noreferrer nofollow" target="_blank"><span>delivering better customer experiences</span></a> at scale - with BPO that's modern, high-tech, and results-driven.</p>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthetechportal.com%2F2025%2F10%2F04%2Fopenai-acquires-ai-powered-finance-app-roi-and-hires-its-founder%2F%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/6aQiY7q12Lyyrn-7h91CXBm5noVlIVWFtBkR0w5ljTI=425">
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<strong>OpenAI acquires AI-powered finance app Roi and hires its founder (2 minute read)</strong>
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OpenAI has acquired Roi, a two-year-old AI-driven personal finance app known for blending portfolio management with personalized conversational guidance. Roi's platform helped users track assets across stocks, crypto, real estate, and NFTs with an AI assistant that adapted its tone from professional to playful based on user preference. The app will shut down on October 15. Only CEO and co-founder Sujith Vishwajith will join OpenAI.
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<strong>Gusto paid $600M to acquire Guideline, plans to divest customers linked to rivals (6 minute read)</strong>
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Guideline, a profitable 401(k) provider for small and mid-sized businesses, has been acquired by Gusto, deepening the payroll company's move into retirement benefits. Founded by Taskrabbit co-founder Kevin Busque, Guideline generated $140 million in ARR as of January and has long partnered with Gusto to offer retirement plans. Sources say Gusto plans to sell off Guideline's accounts tied to rival payroll providers like ADP and Rippling.
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<strong>Walmart-backed fintech OnePay is bringing crypto to its banking app (4 minute read)</strong>
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Walmart-backed fintech OnePay will soon enable users to buy, sell, and hold bitcoin and ether through its mobile app, partnering with startup Zerohash for trading and custody services. The move positions OnePay—already offering savings, cards, BNPL, and P2P payments—as a contender in the emerging US “super app” race. With its app integrated across Walmart's checkout ecosystem and now ranked fifth in Apple's finance category, crypto support could help OnePay compete directly with PayPal, Venmo, and Cash App.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.fintechbrainfood.com%2Fp%2Fagentic-checkout%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/zLfdZsJdKGaxu67e2Og07-AWaBSkAAPrUI5Nw3HOuIw=425">
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<strong>Agentic Checkout: Stripe + OpenAI's new protocol (15 minute read)</strong>
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This blog unpacks 3 key announcements. First, OpenAI launched commerce in ChatGPT, and the checkout is powered by Stripe. This lets users find and actually buy things in ChatGPT and reduces user friction. Second, OpenAI and Stripe open-sourced a protocol for any merchant to sell via AI Agents. Called the Agentic Commerce Protocol, it builds checkouts from SKUs. Third, Stripe also launched “Shared Payment Tokens.” This lets any payment method be collected by the agent, secures it, and sends it to the merchant, who can send it to their payments processor (e.g., ChatGPT could potentially use your card, PIX, or stablecoin balance, although today, it's just Apple Pay, Google Pay, and cards).
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<strong>The stablecoin duopoly is ending (3 minute read)</strong>
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The dominance of Circle and Tether is waning as stablecoin market dynamics evolve, with issuers likely needing to share yield more broadly. This pressure isn't unique to stablecoins—depositors globally are earning near-zero interest, with $4T of US deposits and most EU savings earning under 0.5%. As competition increases and consumers demand fairer returns, yield distribution could reshape the broader financial landscape.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fblogposting%2F29504%2Fwhy-financial-services-are-betting-big-on-ai-powered-analytics-and-what-most-get-wrong%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/v63aG4wzVXmwCukHfinfEmr1JgEoMhFi0ntmazDv5_4=425">
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<strong>Why Financial Services Are Betting Big on AI-Powered Analytics (8 minute read)</strong>
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Legacy core banking platforms weren't built to talk to modern AI tools, and the regulatory requirements around data handling add another layer of complexity that doesn't exist in other industries. Most AI implementations fail in financial services: not from bad technology, but from underestimating the infrastructure work required before AI can deliver value.
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<h1><strong>Launches & Products</strong></h1>
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<strong>Fintech Brex launches stablecoin payment platform amid demand (6 minute read)</strong>
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Brex is rolling out a new feature that lets businesses send and receive payments using Circle's USDC stablecoin, automatically converting the funds into USD within their Brex accounts. Partnering with Column Bank, the fintech says the move will make money movement faster, cheaper, and more flexible for crypto-native companies like Solana and Alchemy. As rivals like Ramp, Stripe, and PayPal race to integrate stablecoins, Brex's approach focuses on bridging digital assets with traditional finance while avoiding the complexity of holding crypto on balance sheets.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fnewsroom.paypal-corp.com%2F2025-10-01-Ooredoo-Fintech-to-Join-PayPal-World%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/BAPD5cpANNfgeREGSVO3ouDOLbtHmde5BTpZHsoUIuw=425">
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<strong>Ooredoo Fintech to join PayPal World, unlocking seamless global commerce (4 minute read)</strong>
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Ooredoo Fintech is partnering with PayPal to join PayPal World, a new platform linking major global payment systems and digital wallets to nearly two billion users. The collaboration will let Ooredoo Wallet users shop internationally, pay in local currency, and send money across borders with less friction. For merchants, the integration expands reach and payment flexibility without extra development work, positioning both companies at the forefront of inclusive global digital commerce.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2025-09-30%2Ffintech-brex-launches-stablecoin-payment-platform-amid-demand%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/H0deccqqArPpmh9KEckD4tPA-3jsdgcwldUyay32ozo=425">
<span>
<strong>Bank of America rolls out GenAI assistant for Global Payment Solutions business (4 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Bank of America has introduced Ask Global Payments Solutions (AskGPS), an in-house AI assistant designed to help staff handle complex institutional payment queries faster and more accurately. Trained on over 3,200 internal documents, the tool turns static knowledge into real-time insights, cutting response times from an hour to seconds.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.pymnts.com%2Fdigital-payments%2F2025%2Fcoinbase-app-enables-peer-to-peer-payments-with-usdc-stablecoin%2F%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/2NN5AjCPYWMaRFWaOGpYWJQTEM_4ZGBKGyH9AvZGpmA=425">
<span>
<strong>Coinbase App Enables Peer-to-Peer Payments with USDC Stablecoin (6 minute read)</strong>
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Coinbase has rolled out a new peer-to-peer payment feature that lets users send its USDC stablecoin instantly and for free to anyone via phone number, email, wallet address, or ENS. The update allows up to 20 free on-chain transfers per month through Base and unlimited free off-chain sends, reflecting Coinbase's push to make sending crypto effortless. This move marks another step in the company's broader shift from being a trading platform to becoming a full-stack financial system.
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<div style="text-align: center;"><span style="font-size: 36px;">🎁</span></div></div>
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fcheckoutcom-seeks-georgia-banking-charter%2F801878%2F%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/qr0niDLS3GI2_AAvnB43F3byCT3TtcHEjbjnVp-B8Kg=425">
<span>
<strong>Checkout.com seeks Georgia banking charter (4 minute read)</strong>
</span>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Checkout.com has applied for Georgia's merchant acquirer limited purpose bank charter, aiming to gain direct access to Visa and Mastercard networks and accelerate its US expansion. If approved, it would join Fiserv and Stripe as one of only three firms with this special charter. The move would let Checkout.com bypass bank intermediaries, cut costs, and speed up product innovation, with plans to launch chartered operations by 2026.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2FJla9gU/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/-xpceR-4_fPrDEejglcI0dLy9Wtw17s7uuTOwnaY23U=425">
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<strong>Carta enters LP portfolio analytics through acquisition of Accelex (2 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Carta has acquired Accelex, a software provider for institutional LPs, to launch LP Portfolio Analytics—its first product built specifically for capital allocators managing alternative assets. The acquisition expands Carta's platform to serve portfolio companies, GPs, and LPs, addressing long-standing data and workflow challenges in private capital management. CEO Henry Ward says the move positions Carta to build a “networked ERP” for the entire private capital ecosystem.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffortune.com%2Fcrypto%2F2025%2F09%2F30%2Fsec-plan-for-blockchain-based-stocks-pits-coinbase-and-robinhood-against-wall-street-giants%2F%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/FAryO-90sttvmRpUr_ytC6PAJwsgmtMsPgxBpBfP8fA=425">
<span>
<strong>SEC plan for blockchain-based stocks pits Coinbase and Robinhood against Wall Street giants (5 minute read)</strong>
</span>
</a>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
The SEC is reportedly preparing to greenlight stock trading “on chain,” a move that would let investors buy tokenized versions of companies like Apple or Netflix directly through platforms such as Coinbase or Robinhood. The plan, aligned with the Trump administration's pro-crypto agenda, would grant temporary exemptions from existing stock trading rules to accelerate adoption.
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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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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fpayments-conferences-2026%2F%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/1sRPzZk4VUNbyyf95PkZzoeLI8WuGV2Rjle7HoiTvi4=425">
<span>
<strong>Payments conferences to keep on your radar for 2026 (6 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
The 2026 payments conference circuit will spotlight AI, open banking, and regulatory change as industry leaders look to balance innovation with compliance and fraud prevention.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthreadreaderapp.com%2Fthread%2F1973893998051025131.html%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/SAgqLw-7H-sCrDtFVc78O09Xa7BGn12dP2VqilbYN5g=425">
<span>
<strong>Crypto is a sleeper hit right now (1 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Coinbase CEO Brian Armstrong called crypto a “sleeper hit,” signaling renewed optimism in the sector as markets stabilize and talent flocks back to the industry.
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</span>
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bankingdive.com%2Fnews%2Fwealthfront-ipo-government-shutdown-sec-fintech%2F779605%2F%3Futm_source=tldrfintech/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/dYud57ZRh_un4kvb_6wPft9CiMTwJLepCU9hYdlv8Ho=425">
<span>
<strong>Government shutdown risks snarling Wealthfront's IPO plan (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Wealthfront's push to go public has collided with the US government shutdown, which forced the SEC to furlough over 90% of its staff—halting IPO processing altogether.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Frachitakumar%2F/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/lXHgTkpdgswD4sPY1xkZNcYcQ6LlB5Wr67qQp_tCQZ4=425"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/Kk2_VzUd2XfDEBWhGvOzLDheWbhoHey6cNDHgmQE8ew=425"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/01000199b9a09bbb-2992d431-d1e0-488c-9c6d-57b7c5169be1-000000/tbyDSlfZQ8oL__fVa5Xd0IFZSJ974khRd__neNKx7iw=425"><span>Gabriel Sundaram</span></a>
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