<!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;">Software companies’ leveraged loans are sliding as investors worry that advances in AI could make parts of the traditional software stack obsolete </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/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/Oj8TS2JhaCI9xUch-XoCoJSIUsG6poQcGON2w5OrkhY=442" 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/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/kFWDSPw4Q-1REsuiK2xazfAN3sZ1wweRYg9za6IrL5M=442" 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=2adc673c-0012-11f1-a916-3fb28cab46ca%26pt=campaign%26t=1770041215%26s=30d58e70fec7b80c1c2ed036fb7468ccacbd3d6fe9e8357bc97cb0aec22157fd/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/Z6kYQ9vwfRrf21GEfnZe-6jQL41A7VUJlgrZA-z4yf0=442"><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%2Fgo.netsuite.com%2FLP=28031%3Fleadsource=Email_Horiz_KPICheck_TLDR_0226/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/FasLACBy_COh88K4_pkUjpkLfOEZmzqcMvl8ngpY7TY=442"><img src="https://images.tldr.tech/oracle.png" valign="middle" style="vertical-align: middle !important; height: 100%;" alt="Oracle"></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">2026-02-02</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%2Fgo.netsuite.com%2FLP=28031%3Fleadsource=Email_Horiz_KPICheck_TLDR_0226/2/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/X-TnqdQNmo6lEg1dHapv-930Kl_oBVx3df2iskpz6h8=442">
<span>
<strong>KPI Checklists: A Practical Step-by-Step Guide (Sponsor)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Bernie Smith shares his exclusive, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fgo.netsuite.com%2FLP=28031%3Fleadsource=Email_Horiz_KPICheck_TLDR_0226/3/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/d-CdDtUa_MCF9FSUqwmETfFLe6MRqqNY0FyBlkIblUA=442" rel="noopener noreferrer nofollow" target="_blank"><span>comprehensive guide</span></a> to develop meaningful, reliable KPIs and reports, including 50 checklists and downloadable templates.
<p></p>
<p>Are you trying to devise, implement, or fix your current KPIs?</p>
<p>Using brief explanations and practical checklists, this book provides the tools to deliver <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fgo.netsuite.com%2FLP=28031%3Fleadsource=Email_Horiz_KPICheck_TLDR_0226/4/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/fmexNzZOFZyAxN4EKAbe9q4Ev84-kEMWOZFyRtuaGKk=442" rel="noopener noreferrer nofollow" target="_blank"><span>meaningful measures that work</span></a>, create reports that support decision-making, and deploy the necessary tools to engage your organization.</p>
<p><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fgo.netsuite.com%2FLP=28031%3Fleadsource=Email_Horiz_KPICheck_TLDR_0226/5/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/4pWObHgAXVw32N8PCAuplFhkz0AiaGvGAUnkevFYnxw=442" rel="noopener noreferrer nofollow" target="_blank"><span>Get my Copy</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%2FrlNaCU/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/DZtEctjvM54VWeV0An0mcXQYU6mySkYYkKcqUim21jE=442">
<span>
<strong>AI boom rattles software loans as credit fears mount (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Software companies' leveraged loans are sliding as investors worry that rapid advances in AI could make parts of the traditional software stack obsolete. Fears that businesses will increasingly build custom tools, rather than buy off-the-shelf software, are hitting debt tied to highly leveraged, PE-backed firms, even as broader credit markets remain strong.
</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%2FnYxIbQ/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/k6bWMam5JO-r_Sx9ru2RDj7cVGZz_7ufVdK1M9kXOM4=442">
<span>
<strong>PicPay prices US IPO at top in first Brazilian debut since 2021 (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
PicPay (PicS NV), a fintech company controlled by Brazil's Batista family, priced its US IPO at the top of the range, raising $434M by selling 22.86M shares at $19 each and implying a ~$2.5B market value. Demand was ~12x shares available, with interest from tech, fintech, and emerging market investors, marking the first sizable Brazilian listing since Nubank's 2021 NYSE debut. PicPay has evolved from a digital wallet into a full digital bank with ~67M clients. It reported 270.4M reais net income on 7.26B reais revenue for the nine months ending September 30.
</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%2Fnubank-gets-conditional-occ-approval-charter%2F810981%2F%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/hkHWjyBwKpmMlJAirmbeBkAUaqcXQIfvt3cxHChDtk8=442">
<span>
<strong>Nubank gets conditional OCC approval for charter (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Brazilian digital challenger Nubank has received conditional approval from the Office of the Comptroller of the Currency to establish a US national bank. The company is entering the organization phase and is awaiting approval from the Federal Deposit Insurance Corp. and the Federal Reserve. Nubank will focus on fully capitalizing the institution within 12 months and opening the bank within 18 months, as required by regulators.
</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%2Ffinance.yahoo.com%2Fnews%2Fbecoming-founder-dealmaking-environment-cost-205319115.html%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/uN_wWUAyIZBrZeshclanDVv5e5Fer4Lx97s8m0vtjE8=442">
<span>
<strong>Silicon Valley legend Kleiner Perkins was written off. Then an unlikely VC showed up (18 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Once seen as a fading legacy firm, Kleiner Perkins has staged a rare venture capital turnaround under Mamoon Hamid, who joined in 2017 and reshaped the firm's culture, speed, and focus. Backed by major wins like Figma and a strong slate of AI investments, the slimmer, more disciplined Kleiner is again competing at the top of Silicon Valley, this time by staying small, founder-centric, and relentlessly paranoid about complacency.
</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%2Ffintechradar.substack.com%2Fp%2Fissue-145-nubank-secures-us-charter%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/q9F04FDNzRl4rPUTl6eo4j4xpIF5FGD1adySiDSfOUs=442">
<span>
<strong>Is Fintech or DeFi a better financial system? (20 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A few years back, we would not have been able to compare DeFi and Fintech head-to-head, yet here we are. Crypto has built a financial infrastructure that rivals fintech on volume, users, and assets. Stablecoin rails are more global than traditional payment players. However, crypto doesn't capture as much value as traditional fintech counterparts when it comes to take rate. Crypto builds the most efficient open infrastructure, and distributes economic capture as a result. This is either a bug or a feature, depending on your perspective. If you believe financial services are destined to become commoditized utilities, crypto is simply accelerating the inevitable. If you believe businesses need revenue to survive, most tokens have a problem in capturing value.
</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.fintechbrainfood.com%2Fp%2Fthe-agentic-payments-map%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/gt1SV72fAjvV63i7ukvf0uovOgrghqPtPWqxNlBeJNw=442">
<span>
<strong>The Agentic Payments Map (15 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
ACP, UCP, A2P, AXTP, x402. If your eyes just glazed over, you're not alone. The agentic payments conversation has become an alphabet soup of competing protocols, each claiming to solve the problem of how agents pay for things, and that's before you look at anything the card networks are doing, with their own emerging standards. There are so many because they're not all solving the same problem.
</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%2Flinks.tldrnewsletter.com%2Fdya4kO/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/_3npZeubXoz6LRK613w2qXvtLSBRSwCtmNOfg_uQGrk=442">
<span>
<strong>Bolt partners with Aethir to power open-web checkout for games (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Bolt, a checkout, identity, and payments leader powering faster, smarter commerce, today announced a partnership with Aethir, the world's largest distributed GPU cloud infrastructure provider, to power open-web checkout for games distributed beyond traditional app stores.
</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%2Ffinance.yahoo.com%2Fnews%2Fwealth-com-launches-proprietary-tax-190000865.html%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/_PdUK61FdRmwCNC2h7mz8R4VzQqGeHyD3JcWIcVniC0=442">
<span>
<strong>Wealth.com launches proprietary tax planning platform to unify tax and estate strategy (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Wealth.com has introduced a new proprietary tax planning platform designed to integrate tax planning directly into its broader estate planning ecosystem for financial advisors, allowing unified strategy development and execution. The platform enables advisors to model forward-looking tax strategies, evaluate multi-state tax implications, and tie outcomes into estate and legacy planning workflows, addressing common pain points from disconnected planning tools. By embedding tax planning alongside estate strategy and execution, Wealth.com aims to help advisors deliver more holistic, multigenerational advice and improve client outcomes.
</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%2FRfBz0G/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/4VWqQdRp-4Aya69kX5jsVZwS6b_jrIJkOOwAkvpPGaM=442">
<span>
<strong>N26 launches kids debit card (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
N26 is rolling out a debit card designed for children, giving parents more control over how their kids spend and learn to manage money. The product allows parents to set spending limits, monitor transactions in real time, and transfer allowances directly through the app, positioning it as a practical financial education tool. The move signals N26's push to deepen household engagement and build long-term customer relationships by onboarding users earlier in life.
</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%2Fvisa-doles-out-stablecoin-advice%2F810980%2F%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/iOVqnI9vlN5ob0qNcHPVt0cba3EKzvz_3kkoLsJtCUI=442">
<span>
<strong>Visa expands stablecoin advisory services amid cautious U.S. outlook (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Visa has begun offering advisory services to help banks, fintechs, and merchants develop stablecoin strategies, responding to rising demand across the payments ecosystem. While Visa sees significant opportunity in cross-border settlement and emerging markets, CEO Ryan McInerney said stablecoins are unlikely to gain broad consumer traction in the US, where digital payment options are already abundant.
</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.cfo.com%2Fnews%2Fopenai-cfo-sarah-friar-hires-cao-finance-ajmai-dale-cynthia-gaylor-ai-economics-scrutiny%2F810620%2F%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/bLCNKtXo3g7u0pFw3YFnQ1kN6lqPTpC483C2r33_wDQ=442">
<span>
<strong>OpenAI expands finance team as AI economics draw scrutiny (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
OpenAI CFO Sarah Friar announced two senior finance hires: Ajmere Dale as Chief Accounting Officer (to lead accounting and financial operations) and Cynthia Gaylor as Business Finance Officer, Corporate (to oversee corporate finance, long-range planning, capital strategy, and investor relations). The moves signal OpenAI is scaling its financial governance as AI becomes increasingly capital-intensive and investors/regulators scrutinize whether AI business models can sustainably match infrastructure and talent costs.
</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%2FJ3SCdL/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/zJjaNfQwMAMdVdGiR0tpJW5Bnz1cRBKLpeub8HpacDw=442">
<span>
<strong>Zocks lands $45m Series B to expand agentic AI capabilities (1 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Zocks raised a $45M Series B co-led by Lightspeed Venture Partners and QED Investors, bringing total funding to $65M since launch. The company provides an AI assistant for financial advisors that automates onboarding, meeting prep, and document workflows, and says it's used by 5,000+ financial firms while saving advisors 10+ hours/week. Zocks will use the new capital to expand beyond admin automation into more agentic AI capabilities while scaling enterprise integrations, security, and compliance.
</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%2Fwww.paymentsdive.com%2Fnews%2Fembedded-finance-to-explode-panel%2F810979%2F%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/tPIK7ILLuvF1b8o6GFxCbAoQHLwaWZJqA6qQSjSOvM0=442">
<span>
<strong>Embedded finance set to surge across everyday apps (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Bank executives predict that embedded finance will rapidly expand in 2026 as payments, lending, and financial tools are woven into social, mobility, and consumer apps.
</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%2FKotx59/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/p6tKSRNBF-k3faTAAUWZhMhrCE_cSyiOpz6HXk6XYM4=442">
<span>
<strong>PayPal to Acquire Cymbio, Accelerating Agentic Commerce Capabilities (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
PayPal has agreed to acquire Cymbio, a multi-channel orchestration platform that helps brands sell across agentic surfaces.
</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%2Ffinance.yahoo.com%2Fnews%2Fjpmorgan-jpm-buys-uk-pensions-171718134.html%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/u8YFnbhklR24dSRNdjUYmYcqk8kER_8AgBdVTQ8MPa0=442">
<span>
<strong>JPMorgan Buys UK Pensions Platform WealthOS (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
JPMorgan Chase & Co.has completed a deal to acquire WealthOS, a UK-based pensions technology platform.
</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%2Ftechcrunch.com%2F2026%2F01%2F22%2Ftiger-global-and-microsoft-to-fully-exit-walmart-backed-phonepe-via-its-ipo%2F%3Futm_source=tldrfintech/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/nviWLkziI87kdxM8A0dJC3bRP7MgykXTcVSYaSLhfBE=442">
<span>
<strong>Tiger Global and Microsoft to fully exit Walmart-backed PhonePe via its IPO (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
PhonePe is heading toward an IPO designed primarily as a liquidity event, enabling early investors Tiger Global and Microsoft to fully exit while Walmart maintains control.
</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/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/vw4HisDxIFRTagmoD1ZtbYWOj-yr9J04hdvi6YgX9MM=442"><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/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/fDC_D4C9L0uRqBsZG_s3G3HnGnFksdbyFgJhsKUJgUQ=442" rel="noopener noreferrer" style="color: #0000EE; text-decoration: underline;" target="_blank"><strong>Apply here</strong></a>,
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fjobs.ashbyhq.com%2Ftldr.tech%2Fc227b917-a6a4-40ce-8950-d3e165357871/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/NJ3qyp84X53bTBJZ0o7uNfUxND9UoahT1OTIF485CA8=442" rel="noopener noreferrer" style="color: #0000EE; text-decoration: underline;" target="_blank"><strong>create your own role</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! TLDR is one of <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Ffeed%2Fupdate%2Furn:li:activity:7401699691039830016%2F/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/WeGTn5X-Kjj_mm9obWP84zd8_lvxsIH04v81szNaJfY=442" rel="noopener noreferrer" style="color: #0000EE; text-decoration: underline;" target="_blank"><strong>Inc.'s Best Bootstrapped businesses</strong></a> of 2025.
</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/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/5G_hxWc9MAlxovBooGcZ7htl2UtR_OBk_3HrSnaYayk=442"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/tdWZn0KFiIbroHU3zlVHE0XGXvc6aFPrCGw2A5umlrs=442"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/a49lq88UKcWr2-qzjmA5jWIu3oZuUx_Tszffd9jQp-o=442"><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/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/GUbZ82JYOYdf4-inCnPexywQ8B3H80fKbqnroB0EC2w=442">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=2adc673c-0012-11f1-a916-3fb28cab46ca%26pt=campaign%26pv=4%26spa=1770040884%26t=1770041215%26s=d4064e4791f282cb85539edcfe044b8575a43abc9908f5a876190b190a2d8053/1/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/JAJ5aW2vr0jHZI8yobLUQUQhtThIAYRxsgIXB64ZbGo=442">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/CI0/0100019c1ead8aa3-7e0ef50c-c1c0-4bad-93a6-7c144b5e1660-000000/q5pYSwbNdEiABj_8K8QY4farxx1NdIxxYfi1niIQdns=442" style="display: none; width: 1px; height: 1px;">
</body></html>