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<div style="display: none; max-height: 0px; overflow: hidden;">PayPal will integrate its digital wallet into ChatGPT, allowing users to buy and sell directly through the AI platform starting next year </div>
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<h1><strong>TLDR Fintech <span id="date">2025-10-30</span></strong></h1>
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<strong>Outsourcing calculator for fintechs: compare nearshore, offshore, in-house (Sponsor)</strong>
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Most fintech companies think they have a handle on operational costs. Then they <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.ubiquity.com%2Froi-calculator%3Futm_campaign=21657859-2025-AlwaysOn%2520-%2520Clone%26utm_source=tldr%26utm_medium=newsletter8%26utm_term=fintech/3/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/SOhzV27y6mDUXch86J9Z0g4TonWIQ5unQtsE95jXs2s=429" rel="noopener noreferrer nofollow" target="_blank"><span>run the numbers</span></a> and realize they're overpaying by 30-70%.
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<p><a class="underline" href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.ubiquity.com%2Froi-calculator%3Futm_campaign=21657859-2025-AlwaysOn%2520-%2520Clone%26utm_source=tldr%26utm_medium=newsletter8%26utm_term=fintech/4/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/LTgAJjdzHCve-n7e7IlkEuz6e06mWkG9t-zoC0nlJRY=429" rel="noopener noreferrer nofollow" target="_blank"><span>Ubiquity built a free ROI calculator</span></a> specifically for fintech operations. It factors in what generic calculators miss: compliance overhead, fraud prevention costs, and 24/7 coverage requirements.</p>
<p>Input your current setup (team size, salaries, overhead) and see exactly what you could save with nearshore or offshore outsourcing. The calculator breaks down:</p>
<ul>
<li>Direct salary costs vs. outsourced rates</li>
<li>Hidden expenses like office space, hardware, benefits</li>
<li>Fintech-specific requirements (compliance, fraud ops, round-the-clock support)</li>
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<p><a class="underline" href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.ubiquity.com%2Froi-calculator%3Futm_campaign=21657859-2025-AlwaysOn%2520-%2520Clone%26utm_source=tldr%26utm_medium=newsletter8%26utm_term=fintech/5/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/TA5QFE2Veqo5BZdBypoJRvWSdq5DOlF2c0Qwbwdkgg8=429" rel="noopener noreferrer nofollow" target="_blank"><span>See your potential savings (2 minutes)</span></a>
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<strong>PayPal signs deal with OpenAI to become the first payments wallet in ChatGPT (4 minute read)</strong>
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PayPal will integrate its digital wallet into ChatGPT, allowing users to buy and sell directly through the AI platform starting next year. The deal positions PayPal as the first full payments wallet embedded in OpenAI's ecosystem, offering secure checkout, package tracking, and dispute resolution. CEO Alex Chriss said the move brings PayPal's verified merchants and hundreds of millions of users into ChatGPT's growing e-commerce network. The partnership follows OpenAI's recent integrations with Shopify, Etsy, and Walmart, marking a step toward 'agentic commerce'.
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<strong>Citi to tie up with Coinbase to boost digital payments for institutional clients (3 minute read)</strong>
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Citi and Coinbase are partnering to develop digital asset payment solutions for Citi's institutional clients, with plans to expand globally. The collaboration will allow clients to deposit and withdraw fiat through Coinbase, bridging traditional finance and crypto. The firms also plan to explore stablecoin conversions as part of the rollout. The move follows the US Genius Act, which established federal stablecoin rules, and comes amid renewed crypto dealmaking encouraged by a more industry-friendly US policy environment.
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<strong>Sequoia invests in AI tool that could replace junior bankers (4 minute read)</strong>
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Sequoia Capital is leading a new $50–$100M round in Rogo Technologies, valuing the New York AI startup at $750M, more than double its valuation from earlier this year. Founded by former Lazard and JPMorgan bankers, ROGO builds software that automates slide decks, IPO documents, and financial models, positioning itself as an AI “analyst” for investment banking. Customers include Tiger Global, Lazard, and Moelis. The deal underscores growing competition from OpenAI and Anthropic, which are both developing AI tools for finance.
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<strong>Barclays' $800 million fintech gamble marks a pivot from Wall Street to Main Street (4 minute read)</strong>
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Barclays is acquiring US fintech Best Egg for $800M to expand its consumer lending footprint with a digital personal loans platform. Best Egg, founded in 2013, has originated over $40B in loans and currently services $11B. The deal aligns with CEO CS Venkatakrishnan's strategy to shift focus from investment banking to retail finance and strengthen Barclays' US consumer bank. The acquisition follows recent asset sales and aims to boost returns and diversify income amid a broader push to rebalance risk-weighted assets.
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<h1><strong>Deep Dives & Reports</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.mckinsey.com%2Findustries%2Ffinancial-services%2Four-insights%2Fglobal-banking-annual-review%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/SbG1CaIsngvzRep_rWpIvJCIr0OukYTVQ17lSfPRZcM=429">
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<strong>Global Banking Annual Review 2025: Why precision, not heft, defines the future of banking (10 minute read)</strong>
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Global banks have hit record profits, yet their valuations remain stubbornly low, a sign that investors doubt the sustainability of current gains. Traditional scale-driven strategies have peaked. The next growth curve will hinge on precision—targeted, data-informed approaches across technology, capital efficiency, M&A, and customer engagement. In the age of agentic AI and hyperpersonalized finance, banks that embed precision into every decision could not only close the valuation gap, but redefine what profitable growth looks like in modern banking.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fblogposting%2F29676%2Fnavigating-the-future-of-payments-a-guide-for-key-players%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/ucVTcpQjSRersaOmDimxXNc5q8bIe6ZXJqnm9hwlNgM=429">
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<strong>Navigating the Future of Payments: A Guide for Key Players (10 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
The global payments industry, a sector that generated an astonishing $2.5 trillion in annual revenue in 2024, is at a turning point. The long-standing pursuit of a single, universally efficient system is giving way to a new era defined by competition among diverse market systems, each with its own rules and technologies. This transformation is not just a minor shift - it's a fundamental reshaping of how money moves between individuals, businesses, and governments.
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<strong>Scalable tech <s>or </s> <em>and </em>tailored solutions (Sponsor)</strong>
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Why pick one? Why pick one? Build a payments solution tailored to your customers' precise needs and to match the scale of your business. <strong> </strong><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_cta1/2/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/dr4wJ1f81m0pBiJ9_fGt-RDSrAEzY46SHbbDWhQILng=429" rel="noopener noreferrer nofollow" target="_blank"><span><strong>Get the best of both worlds with Marqeta</strong></span></a>: a payments provider who can keep pace with your growth trajectory - and that's trusted by some of the biggest brands in the world.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fklarna-touts-new-perks-to-take-on-banks-premium-cards-debit%2F803904%2F%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/ZX1nIroDpg53x-sVZgNo9ddlorzyffUC9-4nP7pG3mY=429">
<span>
<strong>Klarna touts perks to take on banks (4 minute read)</strong>
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</a>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Klarna is expanding its monthly membership program with two new tiers, Premium ($17.99/month) and Max ($44.99/month), offering perks like airport lounge access, 1% debit card cash back, and NYT subscriptions. The move deepens Klarna's shift toward becoming a “full-scale digital bank,” following its US debit card launch and recent IPO. Analysts say the model mimics premium credit cards from Amex and JPMorgan but with a lighter monthly commitment and lower consumer burden.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fventurebeat.com%2Fai%2Fanthropic-rolls-out-claude-ai-for-finance-integrates-with-excel-to-rival%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/zO5mRsyrl_PuIHvPiu6XoQbUKr-Gwg-Q9rsGPsvVT_8=429">
<span>
<strong>Anthropic rolls out Claude AI for finance, integrates with Excel to rival Microsoft Copilot (8 minute read)</strong>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Anthropic is embedding its Claude AI directly into Microsoft Excel, letting analysts analyze, build, and audit financial models without leaving their spreadsheets. The move expands Claude's presence across Microsoft's enterprise AI ecosystem and gives it direct access to real-time financial data from major providers like Moody's, LSEG, and Morningstar. Armed with new pre-built workflows for valuations, due diligence, and earnings analysis, Anthropic is positioning Claude as a precision finance assistant - a trusted, transparent tool designed to rival Copilot and OpenAI in one of AI's most lucrative battlegrounds.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F107757%2Fworldpay-backs-agentic-commerce-protocol%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/uwPMrme06V3n7Jgh6RfOrhOcRrAw7bOQD3wSrLDoXew=429">
<span>
<strong>Worldpay backs Agentic Commerce Protocol (2 minute read)</strong>
</span>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Worldpay, a global leader in payment technology, today announced its support for the Agentic Commerce Protocol (ACP), an open standard for AI commerce that lets AI agents, people, and businesses work together to complete purchases.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F107726%2Fvenmo-and-bilt-team-on-rent-and-mortgage-payments%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/XI4ePhEhkefWX4BFwer0kuqpsVuu30_XD16Dh4uyKqI=429">
<span>
<strong>Venmo and Bilt team on rent and mortgage payments (2 minute read)</strong>
</span>
</a>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Venmo today announced at Money20/20 in Las Vegas a partnership with Bilt, the nation's largest housing and neighborhood commerce platform, to expand how people use Venmo for everyday payments.
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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%2Fshoppers-to-tap-bnpl-for-holidays%2F803926%2F%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/cNU_GrtWYPXA7ZXYooYJw82CZL5yDX6I7X1FMPFc84E=429">
<span>
<strong>Shoppers to tap BNPL for holidays (3 minute read)</strong>
</span>
</a>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A survey of 1,000 US adults found that half of holiday shoppers plan to use buy now, pay later services this season, citing affordability and budget control as key reasons. Gen Z and millennials are leading adoption, with a quarter using BNPL regularly. Merchants offering BNPL see up to 91% higher average order values, though nearly half of users have faced financial hardship, underscoring both the convenience and strain of installment-based spending.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.fintechfutures.com%2Fai-in-fintech%2Fmoney2020-usa-ai-takes-centre-stage-on-opening-day%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/TLwhFdayq_XWJ8y_d0AxdOKIDA08Cd0Ljtb41CjZjks=429">
<span>
<strong>Money20/20 USA: AI takes centre stage on opening day (9 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
AI dominated the first day of Money20/20 USA, with major players unveiling new tools that highlight how quickly artificial intelligence is transforming financial services. Wells Fargo detailed its expanded partnership with Google Cloud to deploy generative AI across all banking operations, while Starling Bank launched “Scam Intelligence,” an AI tool that detects and blocks fraud in marketplace listings. Incode introduced its Agentic Identity solution to secure AI-driven transactions, and Anthropic debuted Claude for Financial Services V2.
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<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffinovate.com%2Fmorgan-stanley-acquires-private-company-trading-platform-equityzen%2F%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/4VuAbkklbbsFKfwo_fRZ-Ftp2iEXRgA1NiG_Omx3qlE=429">
<span>
<strong>Morgan Stanley acquires private company trading platform EquityZen (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Morgan Stanley is acquiring EquityZen, a fintech platform that facilitates secondary share trading in private companies, expanding its reach into the growing private markets space. The move strengthens the bank's ability to offer end-to-end solutions, from cap table management to liquidity programs for both private firms and wealth management clients.
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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.bankingdive.com%2Fnews%2Frevolut-eyes-bank-charter-us-ceo-sid-jajodia-seat-table%2F804029%2F%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/LqIroAgt2QvYHeI_QKgt6DEk7PHqrLToWI_clnWn_f0=429">
<span>
<strong>Revolut eyes bank charter to have ‘seat at the table,' says US CEO (4 minute read)</strong>
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<br>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Revolut is pushing to secure a US bank charter to strengthen its regulatory relationships and operate more independently.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.americanbanker.com%2Fpayments%2Fnews%2Fwestern-union-plots-stablecoin-corporates-adopt-bofas-ai%3Futm_source=tldrfintech/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/4w6NwWOwokLT3y5Pavcsk03UeXbwl2zwWjZKc03t1MM=429">
<span>
<strong>Western Union plots its stablecoin move (7 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
One of the most recognized money transfer firms, Western Union, is developing its own stablecoin, USDPT, as part of a broader push to modernize cross-border payments.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Frachitakumar%2F/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/d8BBq7Fmo2sXoNC7JY7EdGH5g7_r5PmbkDJkdLvTdA4=429"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/Pdbf-R_OHQIlOtORe2FoXelEExFHcUdVeCfYA_wkJqM=429"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/0100019a353960ed-2f887805-cd9d-4a68-a9c2-b0db331e31d4-000000/60NWpH0vEipAAjt5p8UDrGG7J_aHT4l7iEeOUuPr3u8=429"><span>Gabriel Sundaram</span></a>
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