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<div style="display: none; max-height: 0px; overflow: hidden;">Decagon raised $250 million in a Coatue and Index-led round that tripled its valuation, as enterprises race to deploy AI agents in customer support </div>
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<h1><strong>TLDR Fintech <span id="date">2026-01-29</span></strong></h1>
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<strong>AI customer support startup Decagon hits $4.5B valuation (3 minute read)</strong>
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Decagon raised $250 million in a Coatue and Index-led round that tripled its valuation, as enterprises race to deploy AI agents in customer support. Founded in 2023, the company now serves 100+ large customers and is betting that proactive, continuously learning AI agents can transform a market where businesses spend hundreds of billions annually but still deliver poor customer experiences.
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<strong>White House summons Coinbase and banks to hash out crypto bill (3 minute read)</strong>
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The White House is convening crypto and banking leaders as negotiations stall over a digital-asset market structure bill, after Coinbase pulled support for a key Senate draft. The dispute centers on whether crypto exchanges can offer token-based rewards, with banks warning of deposit flight and crypto firms arguing for consumer choice as midterm pressure mounts.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fbrex-cfo-erica-dorfman-capital-one-deal-acquisition%2F810427%2F%3Futm_source=tldrfintech/1/0100019c0a1408fa-c9631492-8c3b-4c4b-b441-3e40f429fac7-000000/mp0mGtJEV2IpKfszJnFLylQ43RyS7JZkuFROUiCb3yQ=442">
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<strong>Brex CFO Erica Dorfman on the logic behind the Capital One deal (6 minute read)</strong>
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Brex CFO Erica Dorfman details how the $5.15B Capital One acquisition came together in just four weeks, reframing Brex's future around scale, distribution, and access to bank-level capital. She explains why the board prioritized public-market multiples and full-company liquidity over peak private valuations, and how operating within Capital One accelerates Brex's long-term ambitions without disrupting near-term execution.
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<h1><strong>Deep Dives & Reports</strong></h1>
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<strong>I Built a Causal AI Model to Find What Actually Causes Stock Drawdowns (9 minute read)</strong>
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The author builds a causal inference framework on ~10 years of S&P 500 data to test whether traits like high valuation (P/E), high beta, and low profitability cause deeper drawdowns during stress windows (COVID 2020, rate shock 2022), rather than merely correlating with them. Using propensity-score weighting and a doubly robust estimator, they found all three amplify downside, especially low margins, then validate results with overlap and covariate-balance checks to argue the effects are structural, not just statistical storytelling.
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<strong>Anthropic is winning by trying to lose (8 minute read)</strong>
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Anthropic's safety-first philosophy, treating AI like hazardous infrastructure rather than a consumer toy, has quietly produced the most trusted enterprise AI platform, driving massive revenue growth, profitability, and Fortune 500 adoption while competitors chase hype, benchmarks, and ad-driven engagement.
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<h1><strong>Launches & Products</strong></h1>
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<strong>The $5 million Bots bill (Sponsor)</strong>
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Most traffic on the internet is driven by bots, and it's crushing companies' bottom lines. Unwanted bot traffic can bypass firewalls, hit origin servers, and trigger six-figure overcharges from ISPs. Hydrolix accurately classifies human and bot traffic in real time, identifying good bots, AI scrapers, credential-stuffing bots, impersonators, and emerging agentic threats - then mitigates them instantly. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fhydrolix.io%2Fsolutions%2Fbot-insights%2F%3Futm_source=Newsletter%26utm_medium=Email%26utm_campaign=TLDR/2/0100019c0a1408fa-c9631492-8c3b-4c4b-b441-3e40f429fac7-000000/sNw1gOgD4Jbx4YCf0-SHkuLkiWosmOgidh03SJujTNg=442" rel="noopener noreferrer nofollow" target="_blank"><span>See how it works.</span></a>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.prnewswire.com%2Fnews-releases%2Fmine-raises-14m-to-launch-ai-money-agent-built-to-help-young-adults-feel-in-control-of-their-money-302670029.html%3Futm_source=tldrfintech/1/0100019c0a1408fa-c9631492-8c3b-4c4b-b441-3e40f429fac7-000000/klrXvciM79iALbJ4kY1fx3Pgutsp3UzSSv-l9M5isEg=442">
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<strong>Mine raises $14M to launch AI money agent for young adults (4 minute read)</strong>
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Mine (formerly Fizz) raised a $14M Series A led by 359 Capital, with participation from Kleiner Perkins, FJ Labs, YC, and US News & World Report, to launch MoneyGPT, an AI-powered personal finance agent tailored to young adults' variable income, debt, and credit-building needs. The company is rebranding around a broader platform vision, combining AI-driven guidance, credit tools, and unified account tracking to reduce financial stress and improve confidence for a generation underserved by traditional finance products.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fzelle-network-expands-by-15%2F810613%2F%3Futm_source=tldrfintech/1/0100019c0a1408fa-c9631492-8c3b-4c4b-b441-3e40f429fac7-000000/BS8Kf_oA_zfT4CiKosIMKVOOngTdcdJgnygUeRbE6-4=442">
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<strong>Zelle network expands by 15% (3 minute read)</strong>
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Zelle added 337 mostly small community banks and credit unions in 2025, growing its network to roughly 2,537 financial institutions and extending reach into rural and underserved communities. Partnerships with Velera and Alacriti helped smaller banks integrate Zelle despite uneven tech stacks, though community banks remain a minority of the 8,700+ US financial institutions and face concerns over Zelle's pricing.
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<strong>Revolut launches full banking operations in Mexico (4 minute read)</strong>
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Revolut has officially launched its first bank outside Europe, rolling out full digital banking services in Mexico after its beta phase, backed by over $100M in capital, strong initial credit ratings, and a broad product suite spanning savings, payments, FX, and family accounts as it accelerates global expansion.
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<strong>Y Combinator drops Canada from countries it will invest in (2 minute read)</strong>
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Y Combinator has quietly removed Canada from the list of jurisdictions it invests in, reinforcing its push for startups to be based in the US. The change has raised concerns among Canadian investors and founders, who see it as another signal that top-tier capital and talent are concentrating further in Silicon Valley.
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<strong>Coinbase forms independent advisory board on quantum risks to blockchain (5 minute read)</strong>
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Coinbase has launched an independent advisory board of leading cryptography and quantum computing experts to assess how future quantum advances could impact blockchain security. The group will publish research, issue recommendations, and guide the industry on post-quantum preparedness as part of Coinbase's longer-term security roadmap.
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<h1><strong>Quick Links</strong></h1>
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<strong>How Legora scaled legal AI to 750 law firms in two years (1 hour video)</strong>
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Legora CEO Max Junestrand explains why Anthropic is winning legal AI workloads, how the company scaled rapidly across Europe and the US, why legal AI won't be winner-take-all, and how they raised $200M without a pitch deck.
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<strong>Building Ramp Sheets: Ramp Labs on spreadsheet agents and shipping velocity (8 minute read)</strong>
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Ramp Labs leaders Alex Stauffer and Alex Shevchenko explain why spreadsheets are the ideal interface for high-stakes finance, how Ramp Sheets pairs agentic AI with Excel-native trust and auditability, and how Ramp's applied-AI culture optimizes for speed, design, and real user feedback over rigid roadmaps.
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