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<div style="display: none; max-height: 0px; overflow: hidden;">Payoneer, a global financial technology company that powers business growth across borders, today announced it has acquired Boundless </div>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwithpersona.com%2Fguides%2F50-risk-signals-of-fraud%3Futm_source=tldr%26utm_medium=partner%26utm_audience=p%26utm_campaign=acq_gen_ds_scaled-signals_fintech-50-risk-signals_20260122/1/0100019be6073846-92c8db98-50ec-4e13-a216-8ef25858ba3d-000000/2Z-tlJAMg7JSd1OP9hCijaNgcF00VjDRJHeTpn6hkes=441"><img src="https://images.tldr.tech/persona-2.png" valign="middle" style="vertical-align: middle !important; height: 100%;" alt="Persona"></a></td></tr></tbody></table>
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<h1><strong>TLDR Fintech <span id="date">2026-01-22</span></strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwithpersona.com%2Fguides%2F50-risk-signals-of-fraud%3Futm_source=tldr%26utm_medium=partner%26utm_audience=p%26utm_campaign=acq_gen_ds_scaled-signals_fintech-50-risk-signals_20260122/2/0100019be6073846-92c8db98-50ec-4e13-a216-8ef25858ba3d-000000/WyaPsyOvPG4bBrwW3zWhxbbBXfQAlZIUWYqpNY2-ZyU=441">
<span>
<strong>50+ Risk Signals of Fraud Every Fintech Leader Should Know (Sponsor)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Leading fintech fraud teams don't just rely on surface checks to spot suspicious activity. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwithpersona.com%2Fguides%2F50-risk-signals-of-fraud%3Futm_source=tldr%26utm_medium=partner%26utm_audience=p%26utm_campaign=acq_gen_ds_scaled-signals_fintech-50-risk-signals_20260122/3/0100019be6073846-92c8db98-50ec-4e13-a216-8ef25858ba3d-000000/l3A1i3NKzOE9Xljl9WUCbaYhBJlHzvvk0WIQYYP3MRg=441" rel="noopener noreferrer nofollow" target="_blank"><span>This Persona guide</span></a> covers 50 KYC risk signals (and 24 additional KYB signals) the best teams use to spot suspicious activity.
<p></p>
<p>⬇️ <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwithpersona.com%2Fguides%2F50-risk-signals-of-fraud%3Futm_source=tldr%26utm_medium=partner%26utm_audience=p%26utm_campaign=acq_gen_ds_scaled-signals_fintech-50-risk-signals_20260122/4/0100019be6073846-92c8db98-50ec-4e13-a216-8ef25858ba3d-000000/CiopkUCkCP-te8uR_atFArb7MDN5PQCLK8hc4HPc9Eo=441" rel="noopener noreferrer nofollow" target="_blank"><span>Download this guide</span></a> to learn:</p>
<ul>
<li>How to blend active signals, passive signals, and behavioral signals to expand the types of fraud you're able to catch</li>
<li>Which types of signals tend to correlate with which types of fraud</li>
<li>The signals you're not tracking, but should be</li>
</ul>
<p>Get your fraud-fighting strategy up to speed with modern fraud tactics. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwithpersona.com%2Fguides%2F50-risk-signals-of-fraud%3Futm_source=tldr%26utm_medium=partner%26utm_audience=p%26utm_campaign=acq_gen_ds_scaled-signals_fintech-50-risk-signals_20260122/5/0100019be6073846-92c8db98-50ec-4e13-a216-8ef25858ba3d-000000/NrFKoNusp5PwwT6-fSfiPt08w-oUo262nw8wpRjVPbc=441" rel="noopener noreferrer nofollow" target="_blank"><span>Get the guide</span></a>
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<h1><strong>News & Trends</strong></h1>
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<strong>Sequoia targets major Anthropic investment (4 minute read)</strong>
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Sequoia Capital is preparing its first major investment in Anthropic as part of a massive funding round that could raise $25bn or more and value the AI company at roughly $350bn, more than double its valuation from four months ago. The move marks a strategic shift for Sequoia after a recent leadership overhaul and reflects how top investors now view leading AI labs less like traditional VC bets and more like long-term public-market assets. Anthropic is also laying the groundwork for a potential IPO as soon as this year.
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<strong>Payoneer buys employer of record platform Boundless (2 minute read)</strong>
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Payoneer, a global financial technology company that powers business growth across borders, today announced it has acquired Boundless, an Ireland-based Employer of Record (EOR) platform that helps companies seamlessly and compliantly employ people worldwide.
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<strong>Trump calls on Congress to cap credit card rates (2 minute read)</strong>
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President Donald Trump says he will ask Congress to implement a one-year 10% cap on credit card interest rates in a move that JPMorgan chief Jamie Dimon says would spell “economic disaster” for the US.
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<h1><strong>Deep Dives & Reports</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.nicolasbustamante.com%2Fp%2Fmodel-market-fit%3Futm_source=tldrfintech/1/0100019be6073846-92c8db98-50ec-4e13-a216-8ef25858ba3d-000000/thv_1eS1Sr38O-d8ra6WjUt8dYot0Tmx4ad43PCK0co=441">
<span>
<strong>Model-market fit: the missing prerequisite AI founders ignore (15 minute read)</strong>
</span>
</a>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Before product-market fit can exist in AI, the underlying model must be capable of reliably performing the tasks customers actually need done, a threshold known as model-market fit (MMF). Markets only “explode” once model capability crosses a hard accuracy and autonomy threshold. Many AI startups fail not on distribution or UX, but because the model simply isn't ready yet.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fengineeringprompts.substack.com%2Fp%2Fai-and-jobs-the-decline-started-before%3Futm_source=tldrfintech/1/0100019be6073846-92c8db98-50ec-4e13-a216-8ef25858ba3d-000000/SRvs5ZPkY0lzMSOnDgGjkpSlzxBoRAM0s2MDy1nNMuM=441">
<span>
<strong>AI and jobs: The decline started before ChatGPT (10 minute read)</strong>
</span>
</a>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A new analysis challenges the claim that ChatGPT caused a sharp drop in entry-level jobs, showing that hiring in AI-exposed roles began declining months before ChatGPT launched. The timing lines up far more closely with aggressive interest rate hikes starting in early 2022, and similar patterns appeared during COVID, suggesting macroeconomic forces, not AI automation, are the primary driver so far.
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<h1><strong>Launches & Products</strong></h1>
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<strong>NYSE bets on a parallel onchain exchange for tokenized equities (4 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
NYSE announced it is building an entirely new trading venue for natively issued tokenized securities, featuring 24/7 trading, instant onchain settlement, and stablecoin-based funding. Rather than retrofitting legacy infrastructure, NYSE plans to operate this digital-native market alongside its traditional exchange, signaling a strategy to run both the current financial system and its potential successor in parallel.
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<strong>Acquired.com integrates with Visa A2A for recurring and variable payments (2 minute read)</strong>
</span>
</a>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Acquired.com, a payments infrastructure provider for recurring commerce, today announced a partnership with Visa in the UK to bring to market Visa A2A, a new account-to-account payment solution designed specifically for recurring and variable payments.
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<strong>PayPal introduces free DIY tax filing (2 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
PayPal today announced a new partnership with april, a leading embedded tax technology platform, allowing US PayPal Debit Mastercard customers to file their 2025 federal and state tax returns for free using april's DIY tax filing service, saving approximately $160 in typical costs.
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<strong>Founder effect: Airwallex CEO Jack Zhang's journey from blue-collar work to an $8B fintech (6 minute read)</strong>
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Jack Zhang, the co-founder and CEO of Airwallex, worked up to 100 hours a week across four blue-collar jobs as a teenager to put himself through university after moving alone from China to Australia. That survival-driven work ethic later shaped Airwallex, which he founded in 2015 to reinvent cross-border payments and is now valued at $8 billion with more than $1 billion in annualized revenue.
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<strong>Bermuda plans a fully on-chain national economy with Coinbase and Circle (3 minute read)</strong>
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Bermuda announced plans to move its economy on-chain with support from Coinbase and Circle, starting with government stablecoin pilots and tokenization efforts across banks and insurers. The initiative aims to lower transaction costs and expand access to global finance. It positions Bermuda as the world's first fully on-chain national economy through public-private collaboration.
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<strong>Stripe's Collison Says No Rush for Payment Firm to Go Public (3 minute read)</strong>
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Stripe CEO Patrick Collison says the payments giant isn't feeling pressure to go public, despite renewed IPO chatter across tech and fintech. He pointed to strong revenue growth, expanding products across payments, treasury, and embedded finance, and the flexibility that comes with staying private. Stripe is optimizing for long-term platform scale rather than timing the public markets, even as peers inch closer to listings.
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<h1><strong>Quick Links</strong></h1>
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<strong>Winston Weinberg on building Harvey and the future of professional services AI (70 minute video)</strong>
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Harvey CEO and co-founder Winston Weinberg breaks down why enterprise AI adoption is misunderstood, how AI reshapes law and professional services, and hard-earned lessons on hiring, deal-making, and scaling trust-heavy products globally.
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<strong>The problem with prediction markets (6 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Prediction markets remain structurally constrained by thin liquidity, adverse selection, and poor capital efficiency, and will only scale into institutional-grade infrastructure if they evolve toward standardized, margin-enabled event contracts that balance blockchain efficiency with traditional counterparty trust.
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