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<div style="display: none; max-height: 0px; overflow: hidden;">Building on its longstanding approach of underwriting every transaction, Affirm’s latest underwriting now incorporates richer real-time signals </div>
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<h1><strong>TLDR Fintech <span id="date">2026-01-15</span></strong></h1>
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<strong>Experts Weigh-in: 2026 AI Trends: Is Your Services Business Ready? (Sponsor)</strong>
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Is your data fueling AI success or are silos holding you back? As professional services shift toward a <strong>hybrid human-agent workforce</strong>, the stakes are high: 95% of GenAI pilots fail because they aren't embedded in real-world workflows, and 88% of leaders say fragmented processes are their biggest hurdle.<p></p><p>Breaking these silos requires more than new tech—it demands a cohesive framework where AI effectively augments operations. Scaling from simple automation to 90% market capture starts with a unified services solution.</p><p>Join experts from <strong>Diabsolut</strong> and <strong>Certinia</strong> on <strong>January 29</strong> to explore the core competencies of Agentic AI. Are you ready for the AI economy? <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2FpyFNOu/3/0100019bc1fb38fd-2ce5d681-d110-43cf-a14c-aea821da48ea-000000/bTeJ7FsrORL5d5LDEuRDHVdCZDhidh97nZ1SLjZeieY=440" rel="noopener noreferrer nofollow" target="_blank"><span>Register for the webinar today!</span></a>
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<h1><strong>News & Trends</strong></h1>
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<strong>Affirm updates underwriting with enhanced signals (2 minute read)</strong>
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Building on its longstanding approach of underwriting every transaction, Affirm's latest underwriting now incorporates richer real-time signals like account balances and cash flow trends. These insights give Affirm an even clearer, more current view of someone's financial standing at checkout, leading to more informed and responsible credit decisions.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Ftoast-clover-battle-for-small-eateries%2F809108%2F%3Futm_source=tldrfintech/1/0100019bc1fb38fd-2ce5d681-d110-43cf-a14c-aea821da48ea-000000/tOB8nGNmktWv3gliiP6k5hZH_u-6b8El0Qj1Yn5V_lc=440">
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<strong>Clover and Toast lead a crowded fight for small restaurant payments (2 minute read)</strong>
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Fiserv's Clover holds the largest share of the small restaurant POS market with about 20% of locations, narrowly ahead of Toast at 17%, with Square and Global Payments close behind. The battle is concentrated in smaller eateries, which make up roughly 75% of the $1.1 trillion US restaurant market and offer higher processing margins than large chains. Toast is expected to continue gaining share through focused restaurant-only software and payments.
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<strong>Trump calls for a one-year 10% cap on credit card interest in a Truth Social post (4 minute read)</strong>
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Donald Trump said he wants to temporarily limit how much banks can charge on revolving balances, positioning the move as consumer relief amid frustration over high borrowing costs. The proposal, announced on Truth Social, would require congressional approval and has already drawn pushback from banking trade groups that argue it would shrink access to credit and push borrowers toward costlier alternatives. The call comes as the administration has simultaneously reduced funding for the Consumer Financial Protection Bureau, adding uncertainty around whether the idea becomes policy or remains political signaling.
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<h1><strong>Deep Dives & Reports</strong></h1>
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<strong>Banks aren't disrupted — they're getting unbundled (12 minute read)</strong>
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Banks are still printing money, but the “universal bank” is being carved up by shadow banks (private credit + money markets/stablecoins) taking risk and yield and fintech UX layers that either get charters, stay OTT software, or bypass rails with stablecoins. The week's proof points: Trump floats a 10% credit card APR cap, JPM takes over Apple Card as Goldman exits, and Kontingo gets hit by wallet hacks right after getting deplatformed.
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<strong>Why Fintechs are Racing for Bank Charters again (10 minute read)</strong>
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Bank charter applications in the US reached their highest level in five years. Most applications come from the fintech sector, but the underlying segments vary widely. Companies range from neobanks like Nubank, to payments players like Checkout.com, stablecoin issuers like Circle, and crypto exchange Coinbase. This article digs into the strategic drivers behind this trend, how charters add value for fintechs, and why banks are not all created equally.
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<h1><strong>Launches & Products</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fvisa-mastercard-aci-and-wex-2026-predictions%2F808971%2F%3Futm_source=tldrfintech/1/0100019bc1fb38fd-2ce5d681-d110-43cf-a14c-aea821da48ea-000000/0HvJFvkKg_5jrexJR7IBWCt5-pz19GiqKrjTmVtCY38=440">
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<strong>Payments giants look beyond stablecoins to identity and embedded rails in 2026 (2 minute read)</strong>
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Visa and Mastercard expect digital identity and agent authentication to become critical as AI-powered, agentic commerce drives new fraud risks, while ACI sees faster adoption of real-time payments and new digital asset rails. Wex predicts embedded payments will surge in B2B, citing forecasts of $7 trillion in embedded payment volume in 2026 as payments become increasingly invisible and integrated into workflows.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.businesswire.com%2Fnews%2Fhome%2F20260112574474%2Fen%2FFIS-Launches-Industry-First-Offering-Enabling-Banks-to-Lead-and-Scale-in-Agentic-Commerce%3Futm_source=tldrfintech/1/0100019bc1fb38fd-2ce5d681-d110-43cf-a14c-aea821da48ea-000000/xIBf_r7230g0Lu5xVVESb-NORDCh0ya3VUohYJYTOMY=440">
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<strong>FIS brings agentic commerce to banks with Visa and Mastercard (3 minute read)</strong>
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FIS launched an industry-first platform that enables banks to securely support AI-initiated payments within existing card network frameworks, in partnership with Visa and Mastercard. The offering, expected by Q1 2026, positions banks to authorize agent-driven transactions, enhance fraud protection, and stay central as agentic commerce scales.
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffortune.com%2F2026%2F01%2F13%2Fpolygon-labs-acquisition-coinme-sequence-stablecoin-strategy%2F%3Futm_source=tldrfintech/1/0100019bc1fb38fd-2ce5d681-d110-43cf-a14c-aea821da48ea-000000/GeC2BOCIqWrpVMGVHzDCHDCXwTzmTqN7RhTVufpD0K8=440">
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<strong>Polygon Labs buys two crypto startups for $250 million as it looks to compete with Stripe (5 minute read)</strong>
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Polygon Labs is expanding beyond pure blockchain infrastructure by acquiring US-based crypto startups Coinme and Sequence in deals totaling over $250 million, aiming to build out regulated stablecoin payments and money-movement services. The deal adds Coinme's licensed fiat on- and off-ramps and Sequence's wallet and cross-chain infrastructure to Polygon's Open Money Stack, positioning the company to challenge established payments players like Stripe while tapping growing demand for stablecoin-based settlement. By integrating compliance, retail cash-to-crypto access, and enterprise-grade tooling, Polygon is steering toward becoming a revenue-generating fintech platform that bridges traditional finance and blockchain rails.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.benzinga.com%2Fcrypto%2Fcryptocurrency%2F26%2F01%2F49764055%2Fripple-turns-down-ipo-after-500m-raise-heres-what-theyre-planning-instead%3Futm_source=tldrfintech/1/0100019bc1fb38fd-2ce5d681-d110-43cf-a14c-aea821da48ea-000000/mIvuHdGc7lX4WdaDIMlDf0Wb4S-sHj5IdNj2g9elFSI=440">
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<strong>Ripple turns down IPO after $500M raise — here's what they're planning instead (5 minute read)</strong>
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Ripple is opting to stay private after raising $500 million at a $40 billion valuation, with President Monica Long saying the company prefers flexibility over the scrutiny and short-term pressures of public markets. Ripple will instead use its strong balance sheet to build a full-stack enterprise crypto platform, completing nearly $4 billion in acquisitions across prime brokerage, custody, treasury management, and stablecoin payments, with RLUSD positioned at the center of the strategy. While the company's valuation has surged, XRP's price has lagged, underscoring a growing disconnect between private company fundamentals and token market sentiment as CEO Brad Garlinghouse signals more deals ahead in 2026.
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Revolut has introduced a real-time in-app banner that instantly confirms whether a caller is genuinely from Revolut.
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