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<div style="display: none; max-height: 0px; overflow: hidden;">Visa has rolled out USDC-based settlement in the US, allowing participating banks to settle transactions using Circle’s dollar-backed stablecoin </div>
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<h1><strong>TLDR Fintech <span id="date">2025-12-18</span></strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffinovate.com%2Fvisa-launches-usdc-settlement-in-the-us%2F%3Futm_source=tldrfintech/1/0100019b31c7acff-0b1b0fc1-3646-4943-b908-dab530148170-000000/vE07bh0hF-8CvcD-VJowbx43V9zYOXXIUwq0nqSQ70M=436">
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<strong>Visa Launches USDC Settlement in the US (3 minute read)</strong>
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Visa has rolled out USDC-based settlement in the US, allowing participating banks to settle transactions using Circle's dollar-backed stablecoin alongside its existing network. Early pilots with Cross River Bank and Lead Bank use blockchain infrastructure to enable faster, always-on settlement and more efficient treasury operations without replacing traditional payment rails. The launch underscores how stablecoins are moving beyond pilots and into practical, bank-ready infrastructure as large institutions look to modernize liquidity management and settlement speed.
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<strong>PayPal applies to launch industrial bank for small business lending (1 minute read)</strong>
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PayPal is moving to deepen its role in US small business finance by seeking approval to form a Utah-chartered industrial bank, allowing it to originate credit more directly. The proposed PayPal Bank would support lending, offer interest-bearing savings accounts, and pursue direct access to card networks, with deposits covered by FDIC insurance, while being led by former Toyota Financial Savings Bank CEO Mara McNeill. The move signals a push to reduce reliance on third parties and tighten control over its financial stack.
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<strong>Klarna gives merchants the tools for discovery by AI agents (3 minute read)</strong>
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Klarna's Agentic Product Protocol gives AI systems access to a live, structured feed of more than 100 million products and 400 million prices standardized across 12 markets. The protocol establishes a foundation for agents to find, compare, and recommend real products with live prices and availability, across merchants, markets, and platforms.
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<strong>Stripe launches tech to help firms sell through AI agents (2 minute read)</strong>
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Stripe has signed up a host of major retail players to its new Agentic Commerce Suite for selling through multiple AI agents.
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<h1><strong>Deep Dives & Reports</strong></h1>
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<strong>Deep Dive: Block's Product Strategy (8 minute read)</strong>
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Block's internal story is straightforward. Jack Dorsey's “basic plan” was to build the smartest app to run a business (Square), build the smartest app for consumers to run their financial life (Cash App), connect them into a global “neighborhood”, and remove single points of failure using Bitcoin.
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<strong>How much equity is too much? Benchmarking stock-based compensation and dilution (6 minute read)</strong>
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This analysis breaks down how stock-based compensation actually translates into shareholder dilution, showing why SBC as a percent of revenue is often the wrong metric to fixate on. Using public-company benchmarks, it explains how growth rates and valuation multiples determine whether equity spend is value-creating or destructive, and why high-growth companies can afford far more generosity than slow-growth peers.
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<strong>Checkout.com: Christmas 2025 marks the first agentic shopping season (4 minute read)</strong>
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New research from Checkout.com shows nearly half of UK and US consumers plan to use AI agents for Christmas shopping in 2025, signaling the first mainstream moment for agentic commerce. Millennials are leading adoption, driven by time savings and price optimization. Routine purchases like groceries and household items are poised to shift to AI-managed buying in 2026 as trust and guardrails improve.
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<strong>How fintech quietly reshaped venture capital in 2025 (6 minute read)</strong>
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Software and financial infrastructure quietly altered how capital is raised, deployed, and managed, enabling smaller teams and even single investors to operate with institutional reach. Tools for fund administration, deal sourcing, SPVs, and secondaries lowered operational friction, blurring the lines between traditional venture funds, rolling vehicles, and deal-by-deal strategies. The result was a shift toward more modular, conviction-driven investing models that favor focused managers and flexible capital structures heading into 2026.
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<h1><strong>Launches & Products</strong></h1>
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<strong>How Coinbase, MSCI, and Uni optimize engineering costs (Sponsor)</strong>
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Engineering teams at financial legends like <strong>Coinbase</strong>, <strong>MSCI</strong>, and <strong>Uni</strong> use AI for prod to power business critical applications, improve MTTR by 70%, and ship faster with lower change risk. Read how <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fresolve.ai%2Fcustomers%2Fcoinbase%3Futm_source=tldr-fintech%26utm_medium=3p-newsletter-dec-18%26utm_id=finserv/1/0100019b31c7acff-0b1b0fc1-3646-4943-b908-dab530148170-000000/mgXxPkV_YqPHTvI-p-I5rZXJnJ6h1RFfmPlcK0gmtqs=436" rel="noopener noreferrer nofollow" target="_blank"><span>Coinbase made investigation time 72% faster</span></a> — or join Resolve AI's upcoming <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fluma.com%2Fggtuq9e3%3Futm_source=tldr-fintech-2%26utm_medium=3p-newsletter-dec-20%26utm_id=finserv-fireside/1/0100019b31c7acff-0b1b0fc1-3646-4943-b908-dab530148170-000000/_wCTA6PjkI1EwTOvvOcKpQRzH74CCvNnmdF26tNGcbs=436" rel="noopener noreferrer nofollow" target="_blank"><span>fireside chat with FinServ leaders</span></a> for more real-world examples.
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<strong>Revolut's newest product offering is mobile phone service (4 minute read)</strong>
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Revolut is expanding beyond financial tools by adding a UK-based cellular plan directly into its app, positioning itself against established telecom providers while deepening daily user engagement. The launch starts at £12.50 per month with unlimited 5G usage, EU and US roaming data, and features like multiple numbers, running on Vodafone's network via US startup Gigs. The rollout mirrors a broader fintech trend, with players like Klarna and Nubank using adjacent consumer services to diversify revenue and pull users deeper into their ecosystems.
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<strong>Google launches UPI-linked credit card in India (2 minute read)</strong>
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Launched in partnership with Axis Bank, Flex by Google Pay is built on India's RuPay network and powered by the country's ubiquitous UPI (Unified Payments Interface). Indians can apply for the virtual card directly within the Google Pay app in a matter of minutes. Users can then use the card to scan and pay at millions of offline merchants as well as online.
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<strong>Juspay introduces Visa's Click to Pay in Brazil (2 minute read)</strong>
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In a move to redefine digital commerce in Brazil, Juspay, a global leader in payment infrastructure, has announced a strategic partnership with Visa for the large-scale implementation of Click to Pay.
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<strong>The Future is Embedded Finance (8 minute read)</strong>
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Embedded finance simplifies financial services, provides products and services closer to the point of need, and can ensure banks keep competitive challengers at bay. In the past, customers would have to physically go to a bank for a product, whereas now, with this integrated model, the product comes directly to them through the platforms they already use and online sites they visit.
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<strong>Mollie agrees to acquire GoCardless to build a unified European payments platform (4 minute read)</strong>
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Mollie has signed an agreement to acquire GoCardless, combining card payments, local methods, and bank payments into a single European platform serving more than 350,000 businesses. The deal aims to reduce payment fragmentation for merchants scaling across Europe, strengthen recurring and subscription payment use cases, and integrate GoCardless' bank payment network into Mollie's broader payments, financing, and analytics suite, pending regulatory approval in mid-2026.
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<h1><strong>Quick Links</strong></h1>
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<strong>Atlanta fed board announces search for next bank president (2 minute read)</strong>
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Raphael Bostic is set to retire at the end of February, prompting the Atlanta Fed's board to begin the process of selecting his successor under the Federal Reserve's regional governance rules.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Faijourn.com%2Fimprint-raises-150-million-series-d-to-transform-co-brand-cards-into-a-true-loyalty-platform%2F%3Futm_source=tldrfintech/1/0100019b31c7acff-0b1b0fc1-3646-4943-b908-dab530148170-000000/chwmQUfVo5jisXtnx1bPH8yXExzf62FUsN4diutRSgE=436">
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<strong>Imprint raises $150 million series D to transform co-brand cards into a true loyalty platform (2 minute read)</strong>
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Imprint is reframing payment products as a primary way for brands to build deeper, ongoing customer relationships rather than one-off transactions.
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