<!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;">Wealthfront is seeking up to a $2.05B valuation in its Nasdaq IPO, aiming to raise $485M as it leans into its robo-advisor model </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/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/UP9K2XaV1zCLHK4qhWVfQtJAgdm1NodIgrxpkQVuXcM=434" 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/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/3c8BHfKaWnF5w5GI0w-J33SzURfNBrZ5JvKkHWyH6Pw=434" 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=f04d5e3c-d0d2-11f0-90f0-8967c6333afc%26pt=campaign%26t=1764857260%26s=ee6aeae66a64fd2cf9af1363d235047b6b2f598f9e98abc672ce52a565296349/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/xm_XEs3UUyMhHJk7ttZFFo9vIXOxvsLJ4suvviIZUWY=434"><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%2Fcarta.com%2Fdata%2Fstate-of-private-markets-q3-2025%2F%3Futm_campaign=20251204-amer-corp-cap-sopm_fintech%26utm_medium=newsletter%26utm_source=tldr/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/ePZwNcbjk33KcJ70ErUQpygE5mWukucfTj91c64_Rw4=434"><img src="https://images.tldr.tech/carta.png" valign="middle" style="vertical-align: middle !important; height: 100%;" alt="Carta"></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">2025-12-04</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%2Fcarta.com%2Fdata%2Fstate-of-private-markets-q3-2025%2F%3Futm_campaign=20251204-amer-corp-cap-sopm_fintech%26utm_medium=newsletter%26utm_source=tldr/2/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/qkPo4RnnqNJVYz6pepPWbWTGxBeG6chChWtSJ419-O0=434">
<span>
<strong>📈 Higher valuations, bigger checks: Startups on Carta broke a 3 year fundraising record in Q3 2025 (Sponsor)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Startups on Carta raised <strong>$27.3 billion in new funding in Q3</strong>, up 48% over 2023. Mega-checks reaching billions of dollars for startups on the cutting edge of AI helped make this <strong>the best quarter for new funding in three years</strong>.<p></p><p>👉 Read the latest <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fcarta.com%2Fdata%2Fstate-of-private-markets-q3-2025%2F%3Futm_campaign=20251204-amer-corp-cap-sopm_fintech%26utm_medium=newsletter%26utm_source=tldr/3/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/Lg4K_2w_g4pdenDcIchFOX3_t4gm24NaB4g6UlFxXWU=434" rel="noopener noreferrer nofollow" target="_blank"><span>State of Private Markets</span></a> report to learn what's happening in venture capital:</p>
<p>1️⃣ Which early-stage valuations are rising</p>
<p>2️⃣ Why down rounds are becoming less frequent</p>
<p>3️⃣ How the <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fcarta.com%2Fdata%2Fstate-of-private-markets-q3-2025%2F%3Futm_campaign=20251204-amer-corp-cap-sopm_fintech%26utm_medium=newsletter%26utm_source=tldr/4/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/9LLbttZ9cX6uuNMh9f5ItkQzBN3RM69buMsm--H4t2Q=434" rel="noopener noreferrer nofollow" target="_blank"><span>Bay Area still dominates</span></a></p>
<p>4️⃣ Why more capital is being raised in fewer rounds</p>
<p><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fcarta.com%2Fdata%2Fstate-of-private-markets-q3-2025%2F%3Futm_campaign=20251204-amer-corp-cap-sopm_fintech%26utm_medium=newsletter%26utm_source=tldr/5/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/qGmzTMxImwUUeQA8nw88gaV7bjzJROmo0oJPATnQCPs=434" rel="noopener noreferrer nofollow" target="_blank"><span>See the full report</span></a>
</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%2Fzx308q/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/_kHLxdKZVZuZTGSmCxNT7X1MDrcds4hNfb71nFNUDyQ=434">
<span>
<strong>Wealthfront targets a $2.05B valuation in upcoming IPO (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Wealthfront is seeking up to a $2.05B valuation in its Nasdaq IPO, aiming to raise $485M as it leans into its AI-enhanced, Millennial- and Gen-Z-focused robo-advisor model. BlackRock and Wellington may anchor the deal with $150M in share purchases, marking another strong fintech debut in a revived US IPO market.
</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%2Fmetronome.com%2Fblog%2Fimportant-company-update%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/F1ikVo0L4K8PRXjm8OXQvArpQxQDQkSz6SZ2grhB3a0=434">
<span>
<strong>Metronome agrees to join Stripe (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Metronome has signed a definitive agreement to be acquired by Stripe, combining Metronome's usage-based monetization and billing engine with Stripe's payments and financial infrastructure. Metronome will become part of Stripe's product suite while speeding up its roadmap and improving reliability through Stripe's five 9s of uptime.
</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.covers.com%2Findustry%2Frobinhood-acquires-ledgerx-to-expand-prediction-markets-amid-overwhelming-growth-nov-26-2025%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/uIz3iyoMPXA00ZoJQaBY82pVugR6sYagdHBB3zT7xL0=434">
<span>
<strong>Robinhood acquires LedgerX to expand prediction markets amid overwhelming growth (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Robinhood is making a major push into prediction markets by acquiring a 90% stake in LedgerX, giving it the infrastructure to list and clear its own event-based contracts. The move comes after a breakout year for prediction trading on the platform, with users executing more than nine billion contracts and fueling Robinhood's fastest-growing revenue line. By launching its own exchange in 2026 and partnering with Susquehanna for liquidity, Robinhood is positioning itself to outpace rivals like Kalshi as sportsbooks and fantasy operators increasingly eye prediction markets.
</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%2Fchudson.substack.com%2Fp%2Freflections-from-our-2025-agm-1t%3Fr=mnnu%26utm_campaign=post%26utm_medium=web%26triedRedirect=true%26utm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/g9tDkIKDJ4fUpM64MdrG3Lg1_c9Os5NH3YcKV9aYD3I=434">
<span>
<strong>Reflections from our 2025 AGM: $1T private companies, AI-driven fundraising, and the evolution of outbound sourcing (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
LPs still believe multi-billion-dollar VC funds can work. The emergence of future $1T private companies could make the math viable. AI companies' explosive, sometimes unconventional revenue ramps now set the tone for all fundraising. Outbound sourcing has become less differentiated as founders increasingly understand and game early-signal detection systems.
</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%2Ffieldventures.substack.com%2Fp%2Fwhy-healthcare-revenue-cycle-management%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/qoQQUczIEOz1D3oT8FEWXQyFMQlTuCbsyVcMnyp2mx8=434">
<span>
<strong>Why healthcare revenue cycle management is still a large opportunity (7 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Healthcare revenue cycle management remains a huge, under-modernized market. $300 billion in administrative costs and rising denial rates are creating a major opening for AI. The biggest opportunity lies in building AI software for large RCM service providers rather than selling to fragmented providers or slow-moving payers.
</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%2Ftechbullion.com%2Fmodernizing-the-way-families-manage-and-transfer-wealth-an-interview-with-dr-kirby-rosplock-founder-and-ceo-of-tamarind-learning%2F%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/J1ujbFCviGBOLYix4_h-ifHp2w_Xs_sztQvVgHYSrUQ=434">
<span>
<strong>Modernizing the way families manage and transfer wealth: an interview with Dr. Kirby Rosplock, founder and CEO of Tamarind Learning (7 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Tamarind Learning is reshaping how inheritors and trustees prepare for major wealth transfers by delivering structured, AI-powered education rather than relying on occasional family meetings or ad-hoc advice. The platform pairs diagnostics, applied coursework, and its StewardAI assistant to help beneficiaries build real competence in everything from fiduciary duty to governance basics. As trillions move to the next generation, the most resilient families will treat education as core infrastructure, making capability, not just capital, the centerpiece of multigenerational success.
</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.paymentsdive.com%2Fnews%2Famazon-visa-team-on-agentic-tools%2F806664%2F%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/tnm3nvyj4NBqfaYuB99xTuJgVh2uFrTAbwQOMADPdQ0=434">
<span>
<strong>Amazon and Visa team on agentic tools (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Amazon and Visa are partnering to offer developers tools to build agentic commerce experiences, enabling AI agents to shop and pay autonomously on behalf of consumers. The companies aim to connect developers with an ecosystem of agentic providers across retail, travel, and B2B, as major payments players race to define early standards for bot-driven shopping.
</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%2FPEAKY4/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/FVjSKzuEcc3MVopjXyB_tZeaD0jn4Y_p19xa3vJCVog=434">
<span>
<strong>Klarna to launch dollar-backed stablecoin as race in digital payments heats up (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Klarna is introducing a fully dollar-backed digital token as it pushes deeper into crypto-powered payments and cross-border transactions. The stablecoin, KlarnaUSD, will run on Tempo, a blockchain built by Stripe and Paradigm. It is positioned as a faster, cheaper alternative to traditional banking rails. With major players like PayPal and Stripe making similar moves and new regulatory frameworks taking shape, Klarna sees this as the start of its broader crypto strategy.
</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%2FcGVVbS/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/Nz-wgKCeo04eSV6MLHgJurTzwoinoN1jZJ_CyFOMGMI=434">
<span>
<strong>AI wealth adviser startup Nevis attracts Sequoia, ICONIQ, and Ribbit (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Sequoia, ICONIQ, and Ribbit have backed Nevis with a $35 million Series A at a $200 million valuation. The startup builds AI tools that automate the manual work of wealth advisers rather than replace them. Nevis is targeting the RIA market with software that generates meeting summaries, follow-ups, and emails. It plans to expand into operational tasks like account openings as adviser shortages intensify.
</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%2FSBQiHE/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/XpX10kjV8GjVgBRM1UBYrih0m_ciAwLmwRc6gVDy7U4=434">
<span>
<strong>Buy it in ChatGPT: instant checkout and the agentic commerce protocol (7 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
ChatGPT's Instant Checkout is a new way for users to buy products directly inside a conversation. It will roll out starting with US Etsy sellers and expand soon to over a million Shopify merchants. The feature is powered by the Agentic Commerce Protocol, an open standard co-developed with Stripe that lets AI agents securely coordinate purchases between users and merchants without changing merchants' existing systems.
</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.paymentsdive.com%2Fnews%2Fholiday-data-sends-mixed-signals%2F806634%2F%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/SVH6rwK2lcF_-npNelNLMWbApPCdlr1suR5djCsZguA=434">
<span>
<strong>Holiday data sends mixed signals (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
New data from Mastercard, Morgan Stanley, PwC, Fiserv, and others show consumers pulling back on holiday spending amid persistent inflation and weakening sentiment, even as Black Friday sales ticked up modestly. Surveys point to tighter budgets and higher price sensitivity, but early shopping results suggest demand is still holding up in pockets, creating a muddled picture heading into year-end.
</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%2FEU9K9N/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/GWRCvO3Dcsq994bQMn8IzX1I7Saw7UhZ0ZgXj8wQn78=434">
<span>
<strong>Fed's Bowman says regulators working on stablecoin rules (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Federal Reserve Governor Michelle Bowman told lawmakers she's pushing to build new guardrails for banks and stablecoin issuers, aiming to balance innovation with safety as fintechs and crypto firms compete more directly with traditional lenders. Her plan includes coordinating with other agencies to craft capital and diversification standards mandated by the Genius Act, which will require stablecoin issuers to register and maintain full dollar reserves. Bowman also signaled broader changes coming to bank capital rules, noting that updated mortgage risk treatment and a revised Basel III proposal could reshape how banks participate in home lending.
</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.bankingdive.com%2Fnews%2Fstripe-faces-bank-charter-pushback%2F806315%2F%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/F32NwaD7n2IAFqNSAYt6_efCl9rfPMwEj4XbBoKHVn8=434">
<span>
<strong>Stripe faces bank charter pushback (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A leading public-interest group is urging regulators to reject Stripe's bid for a national trust bank charter, arguing the move would let the company expand into banking services without meeting traditional oversight standards. The National Community Reinvestment Coalition, one of the most influential voices in US bank regulation, points to Stripe's past compliance issues and warns that granting the charter could blur the line between fintechs and federally supervised banks.
</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%2Fthreadreaderapp.com%2Fthread%2F1995532262998417834.html%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/1esLWTqVvGGitv4_eJ58Iq6jg_SNYhvetVtZr1DA7PY=434">
<span>
<strong>Keith Rabois accuses Airwallex of exposing US customer data to China (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Keith Rabois claims Airwallex's China-based employees, legal obligations, and investor ties create a pathway for the Chinese government to access sensitive financial data from major US companies without proper disclosure.
</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%2Faashay.substack.com%2Fp%2F12-predictions-for-2026%3Futm_source=tldrfintech/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/N9CuBlOQj_w7yRjMay5RoDF9lHiJJbkkUjF1EKb4hhg=434">
<span>
<strong>12 predictions for 2026 (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Next year will be a breakout year for agentic AI, robotics, biotech, and crypto.
</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/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/18OXWtwFQZzj__cu5TMzAr_XTWMs1ZVn-gdoqzGblmc=434"><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/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/KfEtVw5TMEvm885gnLiu1ulVSYby0-SaSiZM-b2EHso=434" 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/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/uVxajy-8IqRoGZSMk1WzmlboptT80S2STuPCjISi37o=434"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/mbDwN439BIwMX2x7Rd07s0URAq1lQeQfMUiNJsSwJFM=434"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/plIV0RMIN-ew2SZh7Yb87clNiW0sJNwKyo6Vbmcvt9U=434"><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/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/WKUUWlZlha_0S8KQZlDzjBBTENeRX2oI-WeeINxGUnw=434">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=f04d5e3c-d0d2-11f0-90f0-8967c6333afc%26pt=campaign%26pv=4%26spa=1764856980%26t=1764857260%26s=ee1137292e77124169ad713cdf86f4694f18360b02f01ebc9b1b0e73ebf37d87/1/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/LjF8O-QhCMw3qSs3aC11GcdH7idwHHLk8VFugRMQAvQ=434">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/CI0/0100019ae9b0aa10-cfec9974-cc75-4971-a30e-a337123fefd1-000000/yQcwft1pwyEa2HbyTwxkMoh2roCkyiWh9H8svdRRbYM=434" style="display: none; width: 1px; height: 1px;">
</body></html>