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<div style="display: none; max-height: 0px; overflow: hidden;">Klarna and Google Cloud announced a global AI-first partnership to build more personalized and creative shopping experiences for Klarna’s 114M users </div>
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<h1><strong>TLDR Fintech <span id="date">2025-10-13</span></strong></h1>
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<strong>Intercom's Fin AI agent resolves complex finserv queries at up to 95% accuracy (Sponsor)</strong>
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Moneybox, Checkout .com, and Polymarket all use the <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/3/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/d4KJVdQSnN776kVCbWuUscVBYoGZKqvJ6R4_83hr6JE=426" rel="noopener noreferrer nofollow" target="_blank"><span>best-performing AI agent for financial services</span></a> — Fin.
<p></p>
<p>Designed to handle complex queries such as fraud claims and transaction disputes, Fin:</p>
<p>>> follows your business rules,</p>
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<p>>> integrates with any helpdesk.</p>
<p>Fin is the only <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/4/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/8-dvvPVGh5MkyR3gHfQ_R2Kv3SXqFGfXs-Ub_oQ1NYo=426" rel="noopener noreferrer nofollow" target="_blank"><span>complete, fully configurable AI agent system</span></a> built for regulated financial services companies. And it's driving results for companies like Consensys (70% resoluion rate), Fundrise (95% response accuracy), and Road (150% ROI).</p>
<p><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/5/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/K_lfGFgtOMjc8qDIlitUNBrJyo-5nHw5MSOGPgghTys=426" rel="noopener noreferrer nofollow" target="_blank"><span>Try the #1 agent for financial services, free ></span></a>
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<strong>Klarna and Google Cloud enter strategic AI partnership (4 minute read)</strong>
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Klarna and Google Cloud announced a global AI-first partnership to build more personalized and creative shopping experiences for Klarna's 114 million users. Early pilots using Google's generative media models boosted app engagement by 15% and orders by 50%, with features like dynamic lookbooks and tailored product campaigns. The collaboration also includes AI-driven fraud detection using graph neural networks, combining creativity and security to reshape Klarna's consumer experience.
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<strong>Affirm backs Google Agent Payments Protocol (2 minute read)</strong>
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Affirm, a payment network that empowers consumers and helps merchants drive growth, today announced its support for Google's Agent Payments Protocol (AP2), an open, payment-agnostic protocol developed with leading payments and technology companies to securely support agent-led payments across platforms.
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<strong>Crypto liquidations near $10 billion after Trump's China tariffs (4 minute read)</strong>
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A historic $9.55 billion in crypto open interest was wiped out after President Trump announced 100% tariffs on Chinese imports, triggering a broad sell-off. Bitcoin and Ethereum led the plunge with $1.37 billion and $1.26 billion in liquidations, respectively, as total market capitalization fell 9% to $3.8 trillion. The event may rank as the largest liquidation in crypto history, with one trader reportedly profiting $190 million from short positions amid the chaos.
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<strong>Coinbase and Mastercard in $2 billion bidding race for stablecoin firm BVNK (3 minute read)</strong>
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Coinbase and Mastercard are reportedly competing to acquire London-based stablecoin startup BVNK in a deal valued between $1.5 billion and $2.5 billion. Coinbase is said to be leading the race, which would mark the largest-ever acquisition of a stablecoin firm, surpassing Stripe's $1.1 billion Bridge deal. BVNK provides stablecoin payment infrastructure for clients like Worldpay and Flywire, processing more than $20 billion annually amid surging institutional and regulatory interest in the stablecoin sector.
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<span>
<strong>Open banking also helps banks: fintechs (5 minute read)</strong>
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Fintech executives argued that open banking benefits banks as much as startups, ahead of the CFPB's October 21 comment deadline for a revised rule. Leaders from MX Technologies, Ambrook, Andreessen Horowitz, and Y Combinator said shared data can help banks modernize and better understand customer needs. The Financial Technology Association is pushing to preserve key provisions of the 2024 rule, while banks' trade groups continue to challenge restrictions on charging data access fees.
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<strong>NetSuite reveals its ‘Next' move at SuiteWorld (6 minute read)</strong>
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Oracle NetSuite unveiled NetSuite Next, a major update that infuses conversational AI, agentic workflows, and natural-language search directly into its ERP suite. The new “Ask Oracle” assistant lets users query data, generate dashboards, and take actions, while new AI Canvas and SuiteAgent tools enable collaborative problem-solving and autonomous task execution. NetSuite also announced BILL-powered payments, predictive planning tools, and new subscription analytics for SaaS metrics like MRR, ARR, and CAC payback.
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<strong>The Stablecoin Opportunity That Banks Are Missing (10 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Banks could become wildly more efficient, unlock new revenue streams, serve their customers better, and cement their role in the financial system for the next 50 years. This is what consumers want, what corporates want, what regulators ultimately want, and what the crypto industry wants. The real and important question is whether banks win from tokenization or watch from the sidelines while fintech companies and GSIB banks eat their lunch.
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<h1><strong>Launches & Products</strong></h1>
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<strong>Parcel shippers: see how the 2026 FedEx rate increases will impact your costs (Sponsor)</strong>
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FedEx has announced a 5.9% average General Rate Increase (GRI) for 2026. Some services will rise less, but many will be significantly above average. This blog by Sifted gives an <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fsifted.com%2Fresources%2F2026-fedex-gri-analysis%2F%3Futm_source=TLDR%26utm_medium=email%26utm_campaign=25Q4_TOFU_BG_2026FedExGRIAnalysis_EM_TLDR_Finance%26utm_content=2026FedExGRIAnalysis/2/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/NQy2slHRirTttBxRxqAT4dahlrV8Fo7198g2NbE1Hw0=426" rel="noopener noreferrer nofollow" target="_blank"><span>overview of what's changed</span></a>, so you can proactively forecast and mitigate parcel expenses for 2026. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fsifted.com%2Fresources%2F2026-fedex-gri-analysis%2F%3Futm_source=TLDR%26utm_medium=email%26utm_campaign=25Q4_TOFU_BG_2026FedExGRIAnalysis_EM_TLDR_Finance%26utm_content=2026FedExGRIAnalysis/3/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/0jrnvD-KjqMuLU3GADnADp2qIc-n64QqBz5vq2MQcA0=426" rel="noopener noreferrer nofollow" target="_blank"><span>Read the blog</span></a>.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fsquare-restaurant-payments-digital-tools%2F802354%2F%3Futm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/a_mxjh0k5eQLrMcWEXNxkz9q9oVEIMVieHfYe4atmoU=426">
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<strong>Square stirs restaurant battle (4 minute read)</strong>
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Square is rolling out new AI-driven voice ordering and cost control tools for restaurants along with expanded bitcoin payment options and tighter integrations across its ecosystem. The updates aim to help eateries manage costs and attract more customers as competition intensifies with rivals like Toast, Clover, and Shift4. The move marks Square's continued push beyond small businesses toward larger restaurant chains while deepening links between its merchant base and Cash App users through loyalty and marketing programs.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffinance.yahoo.com%2Fnews%2Fwealthfront-launches-nasdaq-100-direct-170000266.html%3Futm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/XZNmzH5Ip4qo2OztnPPt_JqyLD1hFEW0UwpqKRr6mjA=426">
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<strong>Wealthfront launches Nasdaq-100 Direct to bring tax-efficient direct indexing to retail investors (8 minute read)</strong>
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Wealthfront has introduced Nasdaq-100 Direct, a portfolio that lets investors hold individual stocks from the Nasdaq-100 Index® to gain both exposure to large-cap growth companies and the tax benefits of direct indexing. Unlike QQQ or QQQM, it directly holds the stocks that make up the Nasdaq-100 Index, enabling tax-loss harvesting to potentially lower clients' tax bills.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F107421%2Falphasense-launches-ai-powered-financial-data-platform%3Futm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/aQicaZjIdPw9-URC-nnAWQXdtLBylEY-GtadvLA_xnY=426">
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<strong>AlphaSense launches AI-powered financial data platform (6 minute read)</strong>
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AlphaSense unveiled Financial Data, a next-generation platform that merges quantitative financial datasets with qualitative market intelligence to give finance professionals a unified research workflow. The new suite uses domain-specific AI to deliver structured financials, KPIs, and transactions data alongside broker reports, filings, and expert transcripts, all accessible via natural language prompts. By blending verified data with generative search, AlphaSense aims to make due diligence, deal sourcing, and valuation analysis faster, more transparent, and decision-ready for private equity, venture, and corporate strategy teams.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2025-10-10%2Fjack-dorsey-s-block-targets-card-network-fees-in-latest-push%3Futm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/jgOZXL7kzibvcMEOMQJIUi9M8NGDORUuUjOsb1fQC2U=426">
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<strong>Jack Dorsey's Block targets card network fees in latest push (6 minute read)</strong>
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Block is launching a new program called Neighborhoods to help small businesses run branded rewards systems through Cash App while paying just a 1% processing fee, far below Visa and Mastercard's typical 3%. The initiative encourages consumers to pay directly with their Cash App balances, bypassing traditional card networks and keeping more value in Block's ecosystem. It's also a strategic move to reignite user growth on Cash App and strengthen integration with Square's point-of-sale systems, giving local merchants a Starbucks-style loyalty edge without heavy tech investment.
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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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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fbank-of-america-generative-ai-payments-assistant%2F802591%2F%3Futm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/QE3RZK9LFk4CSJ_J2H43-1VjOl_4-9jsYftTMzXZwC4=426">
<span>
<strong>Bank of America fires up AI payments assistant (5 minute read)</strong>
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Bank of America has launched AskGPS, a generative AI-powered assistant for its Global Payments Solutions division, trained on more than 3,200 internal documents. The tool supports 29 languages and provides instant, context-specific answers for over 40,000 business clients, streamlining onboarding and client support. Built entirely in-house, AskGPS reflects the bank's broader push into AI, which already includes its Erica virtual assistant and internal AI tools used by 17,000 developers.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fblogposting%2F29521%2Fthe-payments-journey-from-complexity-to-clarity%3Futm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/UKyAA7SJR87OER00bJMr1wg-Hq-vBOB8gxYrsL-8Rvw=426">
<span>
<strong>The Payments Journey: From Complexity to Clarity (5 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Two decades ago, reconciliation was seen as a manual slog filled with pain points. Back then, teams spent countless hours buried in spreadsheets, trying to trace transactions, spot mismatches, and make sense of what should be a straightforward process. While technology has moved on, the core issues still linger: payments data is chaotic, fragmented, and often misunderstood.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.fintechweekly.com%2Fmagazine%2Farticles%2Fant-group-ling-1t-ai-trillion-parameter-model-coding-math%3Futm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/INEqCEL23T48CnKxGVINp_B-5bzXgr7z1iqGgBIF4N4=426">
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<strong>Ant Group unveils trillion-parameter AI model Ling-1T (4 minute read)</strong>
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Ant Group, the fintech giant behind the world's largest mobile payment platform Alipay, has introduced Ling-1T, a trillion-parameter large language model designed to excel in software development and mathematical reasoning. This marks Ant's second trillion-scale model and highlights its rapid progress in AI research and infrastructure. With Ling-1T, the company aims to redefine reasoning performance and strengthen China's position in the global race against OpenAI, DeepSeek, and other leading AI developers.
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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%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2025-10-07%2Frevolut-s-billionaire-ceo-shifts-residence-from-uk-to-mideast%3Futm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/S91USpeUGLRN71S9iYnCs9SeVqZu9O5phIAMJAyR2hA=426">
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<strong>Revolut's billionaire CEO moves residence from UK to Mideast (4 minute read)</strong>
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Revolut CEO and co-founder Nik Storonsky has officially shifted his residence from the UK to the United Arab Emirates, according to regulatory filings.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2025-10-10%2Fsoftbank-in-talks-for-5-billion-margin-loan-backed-by-arm-stock%3FaccessToken=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzb3VyY2UiOiJTdWJzY3JpYmVyR2lmdGVkQXJ0aWNsZSIsImlhdCI6MTc2MDE1OTkyMiwiZXhwIjoxNzYwNzY0NzIyLCJhcnRpY2xlSWQiOiJUM1NaSEtHT1lNVEUwMCIsImJjb25uZWN0SWQiOiJBODlERUQ0MjI1Qjk0Q0I4QkJBRUE0ODAwRTE5Mjk4NiJ9.zhFelo4VVj9rvDqKStfMKLj6BXJpInliGoulZftYhwU%26utm_source=tldrfintech/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/ei6IMIXYh8_kA1nyc-5eA0iBcSFjzC-e38QeWAS-o9I=426">
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<strong>SoftBank seeks $5 billion margin loan backed by Arm stock (5 minute read)</strong>
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</a>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
SoftBank is in talks with global lenders to secure a $5 billion margin loan using shares of Arm Holdings as collateral, bringing its total borrowing against Arm stock to $18.5 billion.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Frachitakumar%2F/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/Ouix2vNLzS-ChQFYfFxdzILIESIV2rxosaHr5eTORsA=426"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/jgzywluXvd294a2kCNFdymcdzb9PRxWljq3slU9HnZY=426"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/01000199ddad1140-f077faa8-fdcb-4c1d-bad0-6cdb18d7091d-000000/Ks3eY_ES2q86xCP7umnUA-9EbHTGJjKlMUgL1zPQDy8=426"><span>Gabriel Sundaram</span></a>
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