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<div style="display: none; max-height: 0px; overflow: hidden;">JPMorgan Chase will let institutional clients use Bitcoin and Ether as collateral for loans by year-end, marking a major step </div>
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<h1><strong>TLDR Fintech <span id="date">2025-10-27</span></strong></h1>
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Looking for a reliable partner to provide clarity and structure for crypto trading? Galaxy Trading connects institutions to digital asset markets, with over $20 billion in derivatives volume last year.<p></p><p>But Galaxy offers <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fhubs.li%2FQ03HYzry0/3/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/kkDCmy4D_tFZA1RSbTgdVC7hOwoFkFeIgJ6D6L0ioM8=428" rel="noopener noreferrer nofollow" target="_blank"><span>more than just reliable liquidity</span></a>. </p>
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<strong>JPMorgan to accept Bitcoin and Ether as loan collateral (3 minute read)</strong>
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JPMorgan Chase will let institutional clients use Bitcoin and Ether as collateral for loans by year-end, marking a major step in Wall Street's crypto integration. The program, using a third-party custodian, expands on JPMorgan's earlier acceptance of crypto-linked ETFs as collateral. The move reflects growing comfort among big banks with digital assets amid lighter regulations under the Trump administration and crypto's renewed market strength.
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<strong>NHL inks deal with prediction markets Kalshi and Polymarket (4 minute read)</strong>
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The NHL signed multiyear agreements with prediction market platforms Kalshi and Polymarket, the first such deals between a major US sports league and prediction markets. The partnerships let both firms use NHL data, logos, and official designations, signaling a shift as prediction markets gain legitimacy alongside traditional sportsbooks. Kalshi and Polymarket allow trading on event outcomes, operating nationwide even where sports betting is illegal. The move drew criticism from the American Gaming Association, which labeled prediction markets “backdoor gambling schemes,” while the NHL said it aims to safeguard game integrity through collaboration.
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<strong>Stablecoin use for payments jumps 70% since US regulation (6 minute read)</strong>
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Stablecoin transactions for real-world purchases and transfers have surged since the US passed its first crypto regulation in July, with more than $10 billion moved in August alone — up from $6 billion in February. Business payments now dominate the market, representing two-thirds of total volume at $6.4 billion monthly, as companies turn to stablecoins to bypass slow international banking systems. The new federal rules under the Genius Act have given stablecoins fresh legitimacy, and even traditional players are moving to use them for cross-border payments.
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<strong>American Fintech Council calls on CFPB to prohibit open banking data access fees (5 minute read)</strong>
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Following the CFPB's reversal of its open banking rule, the American Fintech Council is urging regulators to safeguard consumers' right to access and share their financial data without fees. The group warns that allowing banks to charge for data access would stifle innovation and harm millions who rely on fintech tools for everyday financial management. The move comes amid growing tension between fintechs and major banks, as the US risks falling behind other markets in open banking leadership.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffintechtakes.com%2Farticles%2F2025-10-23%2Funlocking-pay-by-banks-potential%2F%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/3cu6hsJRniJ0u9NGwphj1VTc920ZIQBCqoEEVzYQS_E=428">
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<strong>Unlocking Pay by Bank's Potential (5 minute read)</strong>
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Adoption of ‘pay by bank' in the US is currently low (around 6.4 % of consumers report usage), largely because awareness is weak, not because of distrust or preference for cards. Growing infrastructure - faster bank-to-bank rails, open banking enabling smoother flows, and rising consumer interest—suggests the foundation is in place for growth. For merchants, the attraction lies in potentially lower payment processing costs and an alternative to payment-card networks, but replacing cards entirely requires nuance and proper use-case alignment.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.natural.co%2Fblog%2Fagentic-payments-memo%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/qNp40JgSEoZKct7fcZnqK4QiDDpTgdC3WqZs24tazGM=428">
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<strong>Agentic payments memo (10 minute read)</strong>
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This memo outlines how agents will soon move more transaction volume than humans, requiring new payment rails optimized for real-time, machine-to-machine transfers. It explores challenges in identity, fraud, arbitration, and global settlement, and proposes “agentic payments” — a new layer enabling agents to transact autonomously via protocols rather than legacy bank systems. The memo frames this as a once-in-a-generation rebuild of money movement.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.jpmorgan.com%2Finsights%2Fpayments%2Fpayment-trends%2Ffintech-strategy-guide-banking-partnership-and-operations%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/8W3L-DKHGO3dXorla9d5bXEP8xq6sLwKlVGON1cdEXs=428">
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<strong>Fintech partnership and operational strategy guide (8 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A new e-book from Matt Fong, Managing Director at Embedded Finance Treasury & Payments Sales, outlines five pillars of fintech success — from reconciliation discipline and cross-border infrastructure to banking partnerships, build-vs.-partner frameworks, and emerging payment methods like stablecoins and wallets. The guide aims to help scaling fintechs navigate operational blind spots with institutional rigor.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.onesafe.io%2Fblog%2Fprediction-markets-crypto-payments-fintech%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/T9lyR6QQ-dTFVpqou4FE463CAGwBG8qCopNi1C0NI0U=428">
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<strong>Prediction Markets: Understanding Their Impact and Future (5 minute read)</strong>
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Platforms like Kalshi and Polymarket are redefining how people forecast events by turning collective sentiment into tradable market data. Their contrasting models, Kalshi's regulated approach and Polymarket's decentralized one, show how prediction markets can both complement and challenge existing financial systems. As fintech startups integrate insights from these markets into crypto payments and risk tools, they're uncovering new ways to enhance transparency and inclusion, though regulatory friction still looms large over mainstream adoption.
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<strong>Customer Success (CS) Maturity: A Self-Assessment for Services Organizations (Sponsor)</strong>
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Fragmented data across delivery and billing can cripple your CS strategy. Use Certinia's <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.certinia.com%2Flanding%2Fcs-maturity-self-assessment%3Futm_source=tldr-newsletter/2/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/-nRNPHByBtu1BEQCc21RymtaGV25WRugb4F0BzULal0=428" rel="noopener noreferrer nofollow" target="_blank"><span>self-assessment</span></a> to identify your maturity stage, move past silos and firefighting, and learn how to align your systems to move up the maturity curve. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.certinia.com%2Flanding%2Fcs-maturity-self-assessment%3Futm_source=tldr-newsletter/3/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/KqOyYsg2qsr7qTe7b7yZFa8LxHPyZDdmv3cPqGsXFEs=428" rel="noopener noreferrer nofollow" target="_blank"><span>Take the self-assessment</span></a>.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fnewsarticle%2F46778%2Flloyds-and-lolly-unveil-pay-by-bank-self-service-kiosks%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/4Lsr5W3sOucCCJJdvj3GMFRtdNg-D8-KaiyzyfeqmTQ=428">
<span>
<strong>Lloyds and Lolly unveil Pay by Bank self-service kiosks (3 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Lloyds has partnered with hospitality tech firm Lolly to introduce self-service kiosks that enable direct bank-to-bank payments through Pay by Bank. Customers can scan a QR code and complete transactions via their mobile banking app, sending funds instantly to the merchant's account. The system promises faster checkout times, lower fees for businesses, and a glimpse into how open banking could reshape in-person payments.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fnewsarticle%2F46779%2Fcoinbase-bitcoin-rewards-credit-card-gets-full-release%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/5ggxqRXctJMbg37vHopxQz4PdL9HQreDkWUKenj4xlk=428">
<span>
<strong>Coinbase bitcoin rewards credit card gets full release (3 minute read)</strong>
</span>
</a>
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Coinbase has officially launched a bitcoin rewards credit card for US users following a long waitlist period. The card, issued by First Electronic Bank and powered by Cardless in partnership with American Express, offers 2–4% back in bitcoin depending on users' Coinbase asset holdings. Early adopters have already spent over $100 million collectively, and Coinbase says cardholders are engaging more deeply with the platform, depositing an additional $200 million in assets.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fews-zelle-international-payments-stablecoins-crypto%2F803731%2F%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/ByZjHiKSyMvba_GLyufP3tqFck2qiTLakurEy3sVYNM=428">
<span>
<strong>Zelle parent pursues crypto for international payments (3 minute read)</strong>
</span>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Early Warning Services, the bank-owned parent of Zelle, plans to enable cross-border payments using stablecoins pegged to fiat currencies. The move would expand Zelle's reach beyond the US, aiming to make international transfers faster and cheaper by bypassing traditional rails. CEO Cameron Fowler cited improved US crypto regulation under the Genius Act as key to moving forward. Zelle processed $1T in payments last year across 151M accounts.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bankingdive.com%2Fnews%2Ftrump-pardons-binance-founder-changpeng-zhao%2F803662%2F%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/gIItrl55cK-z_jg5KLcbZLHb3DEmYj-DBJzl9dI_3EA=428">
<span>
<strong>Trump pardons Binance founder Zhao (3 minute read)</strong>
</span>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Clemency was granted to Changpeng “CZ” Zhao, the former chief of the world's largest crypto exchange, after he admitted to anti–money laundering violations and served a brief prison term. The White House framed the move as correcting an overzealous crackdown on digital assets, while Binance praised the decision as aligned with a push to make the US a global leader in crypto.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthefintechtimes.com%2Fglobal-aml-systems-spending-to-reach-75bn-by-2030-juniper-research-finds%2F%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/5rPzSaPjUnDpJfWVbyCQxRDnMjB0exU0ORA6Dgvj_d8=428">
<span>
<strong>Global AML Systems Spending to Reach $75bn by 2030, Juniper Research Finds (5 minute read)</strong>
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<br>
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Global spending on anti-money laundering (AML) systems is set to more than double, rising from $33.9 billion in 2025 to over $75 billion by 2030, as institutions race to close compliance and monitoring gaps. Banks are expected to drive much of this surge, accounting for nearly two-thirds of total spending amid tightening regulatory oversight.
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<h1><strong>Quick Links</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fnewsarticle%2F46803%2Fbank-profits-face-170bn-hit-from-ai---mckinsey%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/yMyUViXWune-L94RTn6BAgEk7jg3MkE5SmnBLNXO5Fc=428">
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<strong>Banks risk $170B profit hit from AI shift, says McKinsey (1 minute read)</strong>
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Consumers using AI agents to optimize finances could erode banks' margins by automating account switching and reducing deposits in low-interest accounts, McKinsey warns.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.cbinsights.com%2Fresearch%2Freport%2Ftop-fintech-startups-2025%2F%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/mOkl_OOdb2BXThpYng63x2roLu33hfnLi7iwG-MB1Sg=428">
<span>
<strong>Fintech 100: The most promising fintech startups of 2025 (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
CB Insights unveiled its 8th annual Fintech 100 list, spotlighting the world's most promising fintech startups redefining the industry's infrastructure.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fnewsarticle%2F46796%2Fconsumers-increasingly-concerned-about-ai-scams%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/f8NxYVAwhGycsHzm8CL6CojKmnejEx51Bh1sS5QsaCY=428">
<span>
<strong>Consumers increasingly concerned about AI scams (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A new survey by Alloy reveals that 85% of US consumers believe AI makes it harder to detect financial scams, with bank impersonations and voice cloning among the most common tactics.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F107669%2Fzip-us-expands-partnership-with-stripe%3Futm_source=tldrfintech/1/0100019a25d417e7-912ab256-8d74-42dc-9604-19a76f9d6a3f-000000/zMM5ou0gm4IMpp9mKg6DW3knSgBnFAMHBCB_vfyqCfE=428">
<span>
<strong>Zip US expands partnership with Stripe (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Zip, a digital financial services company that offers innovative, people-centered products for everyday Americans, has announced the next evolution of its partnership with Stripe, a programmable financial services business.
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