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<div style="display: none; max-height: 0px; overflow: hidden;">Ramp’s climb in valuation continues as the company secures a $300M round, pushing its worth to $32B, extending one of the fastest funding streaks </div>
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<h1><strong>TLDR Fintech <span id="date">2025-11-20</span></strong></h1>
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<strong>Powerful tech meets proven expertise: launching your payments program just got smoother (Sponsor)</strong>
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Whether you're managing spend, driving loyalty, or expanding globally, your payments provider shouldn't hold you back.<p></p><p>With <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/3/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/myRgoPE4GN12Q4Pz2acbXjnnA2Rkea7vr2KRSyW6Su0=432" rel="noopener noreferrer nofollow" target="_blank"><span>Marqeta's</span></a> decades of experience and enterprise-grade platform, launching your payments program just got smoother. </p>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftechcrunch.com%2F2025%2F11%2F17%2Framp-hits-32b-valuation-just-three-months-after-hitting-22-5b%2F%3Futm_source=tldrfintech/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/TGEM5H9NQGhcp_v-baVHn3h-Aharg12RpSsP5XiJ9YM=432">
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<strong>Ramp hits $32B valuation, just 3 months after hitting $22.5B (3 minute read)</strong>
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Ramp's rapid climb in valuation continues as the company secures another $300M round, pushing its worth to $32B and extending one of fintech's fastest funding streaks. The company has stacked multiple raises this year alone, fueled by strong revenue momentum and demand for its corporate spend platform.
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<strong>Intuit signs $100M+ deal with OpenAI to bring TurboTax, Quickbooks, and more into ChatGPT (3 minute read)</strong>
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Intuit struck a multi-year deal worth over $100M with OpenAI to integrate TurboTax, Credit Karma, QuickBooks, and Mailchimp directly into ChatGPT. Users will be able to estimate tax refunds, review credit options, manage invoices, and run marketing tasks inside ChatGPT using their Intuit data (with permission). Intuit says domain-specific models and validation layers will guard against hallucinations, though it hasn't clarified liability for AI-driven mistakes. The partnership deepens Intuit's internal use of OpenAI models and opens a major new distribution channel via ChatGPT.
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<strong>Klarna to deliver first billion dollar quarter (2 minute read)</strong>
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Klarna is expected to deliver its first billion dollar quarter in Q4, driven by explosive growth in the US, soaring card uptake, and improved productivity from deployed artificial intelligence.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fposts%2Frexsalisbury_who-is-getting-more-leverage-from-ai-banks-activity-7396196576437854208-5O1o%3Futm_source=share%26utm_medium=member_desktop%26rcm=ACoAAA32rJkBCFg6qK7f7aa8EYzYJ9ha6bbpnfk/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/OBsQVoka_zOBzgQRCzm-_omRYTsjnR7Q5GguJXPIMxM=432">
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<strong>Are banks really adopting AI faster than fintechs? (35 minute video)</strong>
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Jenny Johnston of OpenAI says banks are outpacing fintechs in AI adoption. While incumbents run larger workloads, fintechs like Ramp, Nubank, and Mercado Libre are the ones inventing entirely new AI-native products and categories, leaving the real “innovation lead” up for debate.
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<strong>DeFi: JP Morgan and Block/Cash App roll out stablecoins on Base & Solana (10 minute read)</strong>
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Bitcoin may have dipped below $90K and the market is panicking, but one thing is growing for sure: the digital dollar. This week, we saw both JP Morgan and Block/Cash App move forward with stablecoin commercialization. JP Morgan is now issuing a US dollar deposit token (‘JPM Coin') on Base. On the consumer side, Cash App, operated by Block, is preparing to introduce support for USDC transfers on the Solana blockchain, with availability expected in early 2026.
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<strong>The average financial company loses $250M a year on unfinished applications (Sponsor)</strong>
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Today, <strong>hundreds of the largest financial institutions</strong> are using conversational <strong>AI agents</strong> to handle application follow-ups instead. Before, completion rates were <strong>30%</strong>. Now, <strong>they're almost double that</strong>.<p></p><p><em>Crazy what a little AI can do.</em></p><p>Don't believe us?<strong> </strong><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fbland.ai%2Fcustomagent%3Futm_source=TLDRfintech%26utm_medium=newsletter%26utm_campaign=nov20%26utm_id=TLDRfintechnov20/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/vqB6m-TLGmtdMBgcwmFZS2C7_uMIq_haIaKpkvQq0os=432" rel="noopener noreferrer nofollow" target="_blank"><span><strong>Get a free custom agent today</strong></span></a><strong>.</strong>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F107998%2Fmastercard-brings-agent-pay-to-the-uae%3Futm_source=tldrfintech/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/I1e24gPbkWtl-nHkqXJqN7mMTY9Z2VOW4m5VIwYHA7U=432">
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<strong>Mastercard brings agent pay to the UAE (2 minute read)</strong>
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In a world where artificial intelligence is reshaping how people shop, pay, and connect, Mastercard is introducing Agent Pay in the UAE, and today marked its first transaction outside the US.
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<strong>Aspora adds bill payments for NRIs, expanding beyond remittances (3 minute read)</strong>
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Aspora, a Sequoia-backed fintech serving the Indian diaspora, now lets users pay utility bills, broadband, loan installments, and mobile recharges in India directly from abroad through the Bharat Bill Payment System. The feature removes the need for costly card payments or transfers to Indian accounts, boosting app engagement and long-term stickiness. With 800,000 users, $4 billion in transactions, and plans to add NRE/NRO accounts next year, Aspora is positioning itself as a full-stack financial hub for NRIs.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.trulioo.com%2Fcompany%2Fnewsroom%2Fpress-releases%2Ftrulioo-credit-decisioning-kyb-launch%3Futm_source=tldrfintech/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/it_i3r1OUTWRsdguHsaryIkG2Q378qO651wAM_xHz_g=432">
<span>
<strong>Trulioo launches credit decisioning to unify KYB, fraud, and credit intelligence (3 minute read)</strong>
</span>
</a>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Trulioo has rolled out a new credit decisioning capability that layers real-time credit, financial, and risk data directly into its global identity platform, strengthening KYB onboarding amid rising regulatory pressure and fraud. The feature combines identity verification, fraud signals, and business credit insights into AI-driven decision workflows, enabling faster approvals, better risk segmentation, and automated rule-based credit checks. With US KYB transactions up 102% YoY, Trulioo is positioning itself as a single, global platform for onboarding and credit assessment across 195 countries and 700 million business entities.
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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.businessinsider.com%2Fhomebuyer-used-ai-tool-to-buy-home-2025-11%3Futm_source=copy-link%26utm_medium=referral%26utm_content=topbar/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/SewG1TyQyQPgkRpRIejRp0jT6axP6v1XRY27ZbJ6o_A=432">
<span>
<strong>AI helps homebuyer ditch her agent and save $7,000 in fees (2 minute read)</strong>
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</a>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A 67-year-old Florida buyer used AI platform Homa to write her offer and close quickly without an agent, avoiding slow showings, extra paperwork, and nearly $8,000 in commissions while winning a competitive home.
</span>
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftechcrunch.com%2F2025%2F11%2F17%2Fsequoia-backed-fintech-aspora-will-let-indian-diaspora-pay-bills-back-home%2F%3Futm_source=tldrfintech/2/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/HeyUTnHfJzM3Id0t-xsnmoJ5Faw9NpCg94OwinVh94w=432">
<span>
<strong>Flatpay becomes Europe's newest fintech unicorn after €145M raise (3 minute read)</strong>
</span>
</a>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Flatpay, the Danish payments startup serving SMBs with flat-rate card processing, has hit a €1.5 billion valuation after raising €145 million to fuel rapid expansion. The company grew from 7,000 to 60,000 customers in 18 months and surpassed €100 million ARR, adding nearly €1 million in revenue per day. With plans to triple ARR in 2026 and double headcount, Flatpay is positioning itself as a rising challenger to giants like Adyen, Stripe, and SumUp.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fnewsroom.paypal-corp.com%2F2025-11-18-Crypto-Rivals-Gift-Cards%3Futm_source=tldrfintech/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/EzabdAgc_yHl21p87JUNZVPH1M2t6JjGndx7ZjEWEjw=432">
<span>
<strong>Crypto rivals gift cards: nearly one in five Americans say they'd rather receive crypto than gift cards this holiday season (6 minute read)</strong>
</span>
</a>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
American shoppers are warming up to digital assets as holiday gifts, with new survey data showing that nearly one in five adults would choose crypto over a traditional gift card. The report highlights shifting consumer behavior, especially among younger adults, with many citing the potential for growth, ease of use, and fewer wasted gifts as reasons for embracing crypto. With half of consumers saying they'd consider gifting crypto if they simply understood it better, the findings point to a clear opportunity for education to accelerate mainstream 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.linkedin.com%2Fposts%2Fsytaylor_breaking-booking-com-went-live-with-revolut-activity-7396138597466398720-5FzQ%3Futm_source=share%26utm_medium=member_desktop%26rcm=ACoAAA32rJkBCFg6qK7f7aa8EYzYJ9ha6bbpnfk/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/A72xlFgkzh-s2imMYqebNQYIw1Syz36yZPRRJEvJz_0=432">
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<strong>Revolut turns its 60M users into unmatched merchant leverage with Booking.com integration (1 minute read)</strong>
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Revolut Pay going live on Booking.com marks a major shift in payments power dynamics.
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<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F107986%2Fglobal-payments-scores-uber-eats-partnership%3Futm_source=tldrfintech/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/rbRduRxCZkdmvHN18NlxfLGpv7-UahEGUG2VVS3Qn_Q=432">
<span>
<strong>Global Payments scores Uber Eats partnership (2 minute read)</strong>
</span>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Global Payments, a leading worldwide provider of payment technology and software solutions, announced it has joined forces with Uber Eats to help restaurants in the US and Canada deliver better customer experiences and drive growth.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F108016%2Fflix-partners-mastercard-on-cross-border-remittance-flows-between-the-us-and-latin-america%3Futm_source=tldrfintech/1/0100019aa197b05c-07181f71-55eb-40b5-8293-e0d64c86b624-000000/xiXFheom1SuWmctNj7UItiD-bJz9UidoKlDFDPHxjdI=432">
<span>
<strong>Félix partners with Mastercard on cross-border remittance flows between the US and Latin America (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Félix, a cross-border remittance platform, announced today an expansion of its collaboration with Mastercard to modernize cross-border remittance flows between the United States and Latin America.
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