<!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;">JPMorgan has officially launched a blockchain-based deposit token for institutional clients that allows near-instant, 24/7 money transfers </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/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/UEAk-A5nONnX8JTj5qwr-bKE-NyeVOZkQZ3SN2snepo=431" 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/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/_ygX21lS1WO_yr-9BlfDEMQLOu1wIAv4wyFg9_eHE-I=431" 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=0ec2cd48-c3ae-11f0-8154-c9f6964114b2%26pt=campaign%26t=1763388332%26s=24a65d36fa972fa4c1c5509f4e5f7320f80927dfdfba16efe792809997cddbfa/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/_QJ7e2nfUw9HrHgPXUteqz8haQrNybwQPAFEJPvU-1M=431"><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%2Fbland.ai%2Fenterprise%3Futm_source=TLDRfintech%26utm_medium=newsletter%26utm_campaign=nov17%26utm_id=TLDRfintechnov17/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/EnlmcGOXyE8bILYs8ZEm4xJZ-jKxNt-P45sUCLnO6Zk=431"><img src="https://images.tldr.tech/bland.png" valign="middle" style="vertical-align: middle !important; height: 100%;" alt="Bland AI"></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">2025-11-17</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%2Fbland.ai%2Fenterprise%3Futm_source=TLDRfintech%26utm_medium=newsletter%26utm_campaign=nov17%26utm_id=TLDRfintechnov17/2/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/pt1g2BI3Ieexf6qnk5tGvdOaTyz-vSvM6CW9nflM0N0=431">
<span>
<strong>Financial companies keep trying to win with AI (Sponsor)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
But the stats are honestly sad:<p></p><p><em>95% of AI pilots never see an ROI.</em></p><p>Why? Because most companies never let you <strong>test before committing.</strong></p><p>Here at <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fbland.ai%3Futm_source=TLDRfintech%26utm_medium=newsletter%26utm_campaign=nov17%26utm_id=TLDRfintechnov17/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/hhS9atYdhzmyqTQuY92dssEXmOSWO4P7lfdHnHh37lw=431" rel="noopener noreferrer nofollow" target="_blank"><span>Bland</span></a> – <strong>we think that's stupid.</strong></p>
<p>We believe you should be able to <strong>see proof before making a long term commitment.</strong></p>
<p>Whether you're using AI for <strong>payment reminders, application follow-ups, or customer support</strong> – why not get a free agent first?</p>
<p>Some people think<strong> we're crazy for offering this.</strong> </p>
<p>But we know that <strong>97% of people who try convert to long term contracts</strong> (our solution is actually good)</p>
<p><strong>lol </strong></p>
<p>You can get a free custom agent today by <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fbland.ai%2Fcustomagent%3Futm_source=TLDRfintech%26utm_medium=newsletter%26utm_campaign=nov17%26utm_id=TLDRfintechnov17/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/T3tqxK8JsybrxKYkzpw9yhhvvSVlzqXmy14-l0feKpY=431" rel="noopener noreferrer nofollow" target="_blank"><span><strong>here</strong></span></a><strong>.</strong>
</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%2Flinks.tldrnewsletter.com%2FNFPG4S/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/DFnLb-TiPuhjsBQimfl-kgpvWFTRHAiQnNDio-qlL8M=431">
<span>
<strong>JPMorgan Rolls Out Deposit Token JPM Coin in Digital Asset Push (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
JPMorgan has officially launched a blockchain-based deposit token for institutional clients that allows near-instant, 24/7 money transfers on Coinbase's Base network. The token represents real dollar deposits at the bank and marks a major step toward mainstream adoption of tokenized deposits, digital coins tied directly to bank-held funds rather than external reserves. The rollout signals Wall Street's growing shift toward blockchain-powered payments - JPMorgan, Citi, and PayPal are all racing to modernize financial infrastructure through regulated digital money.
</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%2F107936%2Fpaypal-relaunches-in-the-uk-with-debit-and-credit-cards-plus-rewards%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/zGwz4SDGV5ExolMqwzw0TQoja8Jv8D1qKfH7Db97jbY=431">
<span>
<strong>PayPal relaunches in the UK with debit and credit cards plus rewards (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
PayPal, one of the most widely used digital wallets in the UK, is relaunching as a unified payment experience for customers to shop online and now in-store. Consumers can sign-up to PayPal+ for free in the PayPal app and start earning points on both online and in-store purchases.
</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%2Ftechcrunch.com%2F2025%2F11%2F14%2Fpine-labs-gets-warm-market-welcome-on-440m-india-ipo-despite-a-valuation-trim%2F%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/NdBHm3eDarLnqkr0Rfi3mJxfCmb0N2ISCBD6JUlRL34=431">
<span>
<strong>Pine Labs gets warm market welcome on $440M India IPO despite a valuation trim (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Payment technology company Pine Labs, backed by PayPal and Mastercard, won over public investors on Friday, finishing its first day of trading 14% higher even after lowering its valuation for its $440 million IPO. This makes it the second-largest Indian fintech listing this year after online brokerage Groww's nearly $750 million debut earlier this week.
</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 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.nasdaq.com%2Fpress-release%2Fvisa-unveils-2025-creator-report-introduces-creator-agent-pilot-karat-2025-11-11%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/Pp3BXg_M9CrOpUig2ibWF3vtwSZueALoNrSOmudjJIw=431">
<span>
<strong>Visa spotlights creator economy with new global report and Karat pilot exploration (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Visa's 2025 Creator Report, a five-region study of TikTok creators, showed rising incomes, growing financial sophistication, and strong optimism, with 88% expecting higher earnings next year. Visa is exploring a pilot with Karat Financial to help creators manage payments, cash flow, and financial operations through agent-style automation. The move builds on Visa's broader strategy to treat creators as small businesses, offering modern payments, access to capital, and tools to scale globally.
</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%2FifRhQO/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/6K7ENtHObTdRArSf8_5qN3UPM9H-IAQ1fDonotPcjZE=431">
<span>
<strong>AI, instant payments, and core modernization dominate 2025 Banking Tech Awards trends (8 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Ahead of the 2025 Banking Tech Awards, shortlisted companies highlight three defining forces in financial services: agentic AI, real-time payments, and core banking modernization. Payments leaders describe a shift to AI-driven risk systems capable of making sub-100ms decisions as agentic commerce spreads across ChatGPT, Google, and PayPal. Core banking innovators argue that legacy cores are becoming growth bottlenecks, with banks moving toward cloud-native, composable, and AI-first architectures.
</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.fintechbrainfood.com%2Fp%2Fthe-cfo-dashboard%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/uhXffCEQFZg3e8kkgpXRux4C0zvFPI3hE9CtyZXPQYc=431">
<span>
<strong>The CFO Dashboard; Ramp, Brex, or Mercury - 18 Months Later (10 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
18 months ago, Ramp, Brex, and Mercury were in full land-grab mode in the wake of the SVB collapse and saw an influx of deposits. They all had unique approaches, but now those approaches are diverging even further. Far from competing with each other, they're exploring white-space. "Winning" now looks like three completely different and mutually exclusive business models.
</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%2Fblogposting%2F29805%2Fhow-do-apis-help-launch-new-wallet-features-quickly%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/59aux8v6NlOoXO4PXGGTkqGUwsrwgRABrQJ2OL9UI4U=431">
<span>
<strong>How do APIs help launch new wallet features quickly? (8 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
When users experience instant P2P transfers, QR payments, or rewards in one wallet, they expect the same from others. If your platform can't keep up, they'll switch without hesitation. Innovation, therefore, isn't optional - it's essential. However, building and launching new wallet features often takes months, especially with outdated systems. Those delays cost time, money, and customers. That's where APIs make all the difference.
</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.finextra.com%2Fpressarticle%2F107932%2Fcash-app-rolls-out-11-product-updates%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/VcRJHnWCfE56tPZoPYJWasFlwDXRZaI8rZHMna9tWqQ=431">
<span>
<strong>Cash App rolls out 11 product updates (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Cash App's latest update introduces 11 new features across banking, bitcoin, and peer-to-peer payments, and an AI assistant called Moneybot. The release expands access to small-dollar credit through Cash App Borrow, enables bitcoin and stablecoin payments, and enhances teen safety tools while boosting savings rates for youth accounts to 3.5% APY. It also adds new social features like pools for shared goals.
</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%2Ffintech.global%2F2025%2F11%2F13%2Ftrulioo-expands-identity-platform-for-fraud-defence%2F%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/KQ-VSxlatUsD1EOp-kTHGSvli9EZ3HK0tvoRsgz2dKo=431">
<span>
<strong>Trulioo expands identity platform for fraud defence (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
The latest Trulioo platform upgrade introduces advanced AI-driven document verification to detect fraudulent IDs and a new “known faces” feature that uses biometric recognition to identify trusted users and flag repeat fraudsters. The enhancements aim to cut fraud, improve compliance visibility, and reduce friction across onboarding and verification workflows. Early adopters have reported a 15% drop in repeat fraud and a 12% decrease in required manual reviews.
</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.wealthprofessional.ca%2Fnews%2Findustry-news%2Fwealthsimple-expands-capabilities-again-with-new-partnership%2F390802%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/1nfyJCXwZCiefZzKZCmpqAVlWChpQUIXegASSZXcV9k=431">
<span>
<strong>Wealthsimple teams up with Wise to power low-fee global payments (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Wealthsimple is partnering with Wise to offer fast, low-fee international payments directly inside its app and website, enabling checking and joint checking customers to send money to 30 countries in over 10 currencies. The move builds on the platform's rapid expansion in 2025, after surpassing $100 billion in assets under administration and launching advanced investing tools for retail users. Backed by Power Corp. and fresh funding of up to $750 million, Wealthsimple continues to broaden its financial services footprint through acquisitions and strategic partnerships.
</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%2Ffintechmagazine.com%2Fnews%2Fai-agents-how-intuit-is-powering-efficiency%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/2Tuhge9X-drNpyMnjpMEkJTWMkg7rwT_ZOtVfeUqIT8=431">
<span>
<strong>Intuit rolls out five AI agents to automate bookkeeping, customer ops, and finance for SMBs (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Intuit launched a suite of AI agents in QuickBooks to automate accounting, customer management, financial reporting, project setup, and VAT analysis, saving UK small businesses up to 12 hours a month. The release accompanies research showing 58% of UK SMB growth potential goes unrealised due to inefficiency, which Intuit says AI can reclaim through faster execution and integrated workflows.
</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%2Fwww.thebanker.com%2Fcontent%2F65320ef3-335f-4fbc-b55d-33878fa12425%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/_iYaTMAvcxeav8TKHutucnK9I8Bv2DNeTK6xHuXdBTg=431">
<span>
<strong>Europe ‘still the centre' of fintech despite Revolut's possible US IPO (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Despite high-profile fintechs like Revolut and Wise eyeing US listings, European investors insist the sector's innovation engine remains firmly rooted in Europe. During a panel at Web Summit in Lisbon, Itxaso del Palacio, general partner at venture firm Notion Capital, argued that most of the talent, R&D, and capital fueling fintech breakthroughs, from contactless payments to modern banking infrastructure, still originate across the continent.
</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%2Famex-says-bnpl-isnt-a-rival%2F805501%2F%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/kQFWGQnk-du36BWA-ZUeP9wGCJGAGtIVi2Z1zQl7elY=431">
<span>
<strong>Amex shrugs off BNPL as a different customer universe (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
American Express CFO Christophe Le Caillec said the company isn't threatened by buy now, pay later services, noting that BNPL users typically have lower incomes and credit scores than Amex's core customer base. Speaking at the KBW Fintech Payments Conference, Le Caillec emphasized that Amex targets affluent consumers through premium cards with high fees and luxury perks. While some overlap exists, Amex views BNPL as serving a different demographic, even as installment-style payments gain broader traction post-pandemic.
</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%2FprA3p1/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/zoUtkBSo4983W6DOHfsxUDuXTHbo7AxOL63VzU1S0XU=431">
<span>
<strong>State Street buys longtime inflation data partner PriceStats to boost real-time analytics (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
State Street has acquired PriceStats, a real-time inflation analytics firm whose data has powered the bank's Markets research platform since 2011. PriceStats aggregates price data from 1,500+ global retailers and will now fold into State Street Data Intelligence, which also includes private capital indices built from more than $6 trillion in proprietary data. State Street says the deal will enable new low-latency economic indicators across prices, employment, and other macro variables. Co-founder Alberto Cavallo will continue as an academic partner.
</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%2Fwww.thisweekinfintech.com%2Fwill-coinbase-become-a-neobank%2F%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/86-bLQFpzYjNpnM7reXizEEwapIdKBH7dabk0nlNruM=431">
<span>
<strong>Will Coinbase become a neobank or a superapp? (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Coinbase rolled out two products this week that push it deeper into the banking lane: a UK savings account offering nearly 4% interest on crypto deposits, and a pre-ICO investing feature for US users that lets them buy tokens before they list.
</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%2Fthreadreaderapp.com%2Fthread%2F1981381724702724256.html%3Futm_source=tldrfintech/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/0TJlwavr-r_5Gup0mdpoeT4U45YyAx8XBYKSgJTlDMU=431">
<span>
<strong>SaaS isn't dying — it's splintering into new pricing models (1 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
“SaaS is dead” really means per-seat pricing is dying, as modern software is shifting toward fintech-SaaS, usage-based billing, workflow pricing, and outcome-based models.
</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%2FcFBYY6/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/Ax7-XNV1vXwnLwE5zODqPBWsqqmD2Ycqq-GX4WXGdF0=431">
<span>
<strong>JPMorgan secures deals with fintech aggregators over fees to access data, CNBC reports (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
JPMorgan has reached agreements with major data aggregators like Plaid, Yodlee, Morningstar, and Akoya to receive payments when fintechs access its customers' banking data.
</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%2FuoX9TX/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/srOsDgOCrsO6dIVlELURYu6XJ0IlLbq9OKhjYugrjoo=431">
<span>
<strong>FDIC Considers Guidance Over Tokenized Deposit Insurance (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
The FDIC is drafting guidance for how deposit insurance could apply to tokenized deposits.
</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/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/eMagWvo4wLOBPzK7hRY-vm8qpu_VNjKxNms49uuI7QY=431"><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/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/MMC3Uz8ltzAOioO9SIIRD7GCMhd9s5JoxHNNY-m6OY0=431" 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/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/v6tuQYFEwv9h2bAkaBm8dSTR8pMkNFo2N_YJoXbxQeA=431"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/PSk9nJJ28miSKGFAMdIHWHHBvOdbiqdU5q6e924F3qQ=431"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/jo-csCHVSj8I_DC9Y3gGmvk3UsAFpfe2XhZjJPZgi9A=431"><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/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/_XdHjkgshUMWUn3XAMUZ2v7C6U3c7vRAof1Sdvi6J7Q=431">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=0ec2cd48-c3ae-11f0-8154-c9f6964114b2%26pt=campaign%26pv=4%26spa=1763388067%26t=1763388332%26s=dd5cbf91d69172de36b33a16e4dc9c3767d954f93109fa7d4464cc220421577b/1/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/Si7h2D6V9cFS4dBWthJDtsh57mheE2Bw31-Y2MeJJcg=431">unsubscribe</a>.
<br>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
<img alt="" src="http://tracking.tldrnewsletter.com/CI0/0100019a9222986d-2ecea8d4-35d3-4e3b-b804-3f5af57317bd-000000/m1qE4i-eiokR0uBt-VH8f3ysCLwfOaK8EcEJE8ASq3E=431" style="display: none; width: 1px; height: 1px;">
</body></html>