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<div style="display: none; max-height: 0px; overflow: hidden;">Coinbase shares jumped nearly 20% on heavy volume despite posting weaker fourth-quarter results, as investors appeared positioned for worse </div>
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<h1><strong>TLDR Fintech <span id="date">2026-02-16</span></strong></h1>
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<strong>Fin resolves complex financial queries with unmatched accuracy (Sponsor)</strong>
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In the world of Financial Services support, the stakes are high and your customers' information is extremely sensitive. Fin is built for the scale and complexity of Financial Services, delivering the highest-quality responses in 45+ languages for your customers all around the world. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffin.ai%2Fsolutions%2Ffinancial-services%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=f_tldr_newsletter_bmkt_ba_awar_pros_3p_fintech-vertical_namer_us_en_newsletter/3/0100019c66c67180-934f046c-7657-4eaf-ba9b-dec69fa80320-000000/kUuSPTV8au0nHuwuzDaL7qNi5a5jooDXRq-CvFCBBoU=444" rel="noopener noreferrer nofollow" target="_blank"><span>Fin</span></a> resolves even the most complex queries like fraud claims, transaction disputes, account changes, and more.
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<p>And companies like RocketMoney, Polymarket, and Consensys trust Fin to deliver always-on, accurate, secure support. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffin.ai%2Fcustomers%2Frocket-money%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=f_tldr_newsletter_bmkt_ba_awar_pros_3p_fintech-vertical_namer_us_en_newsletter/1/0100019c66c67180-934f046c-7657-4eaf-ba9b-dec69fa80320-000000/f4-8U9ooDkyOQCB6KZL3q1KaXFxczPYw-g9BuzMEyYo=444" rel="noopener noreferrer nofollow" target="_blank"><span>Check out customer testimonials.</span></a></p>
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<strong>Coinbase surges as dip buyers bet on crypto market bottom (3 minute read)</strong>
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Coinbase shares jumped nearly 20% on heavy volume despite posting weaker fourth-quarter results, as investors appeared positioned for worse and rotated back in alongside a Bitcoin rebound. While revenue fell 20% year over year and the company posted a net loss, analysts pointed to diversified revenue streams, including higher-margin USD Coin revenue-sharing with Circle, as overlooked positives. The rally also reflects optimism around potential progress on US stablecoin legislation and broader crypto sentiment stabilizing.
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<strong>Goldman Sachs taps Anthropic's Claude to automate accounting, compliance roles (5 minute read)</strong>
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Anthropic engineers have spent the past six months embedded inside Goldman Sachs, building autonomous AI systems designed to handle time-intensive, high-volume back-office work. The effort focuses on automating trade accounting and client onboarding processes, using Claude to execute complex, rules-based tasks that traditionally require large compliance and operations teams. If successful, the project could mark a turning point where AI moves from experimentation to fully operational infrastructure inside major financial institutions.
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<strong>MrBeast and the new economics of consumer fintech (6 minute read)</strong>
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MrBeast's acquisition of teen banking app Step signals a shift in consumer fintech from product-led growth to audience-led distribution. As customer acquisition costs remain stubbornly high, driven by rising digital ad prices and privacy changes like Apple's App Tracking Transparency, owning a massive, built-in audience may be the most defensible moat in the sector. By pairing cultural reach with regulated banking infrastructure, the move suggests the next wave of fintech winners could be those who control attention first and layer financial services on top.
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<strong>Who gets to eat? Vertical AI and the dispatcher problem (7 minute read)</strong>
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Collapsing “intelligence costs” will grow AI spend but commoditize many vertical AI “service-as-software” wedges, pushing margins toward zero unless startups build defensibility beyond cheap inference. The key risk is the “dispatcher problem”: if your advantage is simply delivering the same service cheaper via LLMs, you're a middleman sitting on a cost curve you don't own (model labs and competitors will undercut you). Durable winners become internal systems embedded in customer operations—capturing data gravity, trust, integrations, and platform lock-in—using low-price wedges to gain distribution, then expanding into a system of intelligence/action that's structurally hard to rip out.
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<strong>Quantum computing for fintech: solving the unsolvable (6 minute read)</strong>
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Quantum is moving from research labs into live financial infrastructure, as banks and fintechs integrate hybrid quantum-classical systems directly into production workflows. With Quantum-as-a-Service platforms like Amazon Braket, Azure Quantum, and IBM Quantum lowering the hardware barrier, even smaller fintech startups can now access advanced quantum capabilities, turning what was once experimental into a scalable competitive edge. In 2026, the most compelling applications span portfolio optimization, where quantum annealers sift through billions of asset combinations; fraud detection, where quantum-enhanced models surface subtle patterns traditional AI misses; and real-time derivatives pricing, enabling faster and more precise valuation of complex instruments.
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<strong>Ramp introduces Accounting Agent to automate manual close (3 minute read)</strong>
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Ramp launched an embedded “Accounting Agent” designed to auto-code, review, accrue, and reconcile transactions in real time, aiming to eliminate much of the manual work behind month-end close. The agent learns from historical patterns and live feedback, auto-syncs low-risk transactions to ERPs with audit trails, and handles accruals for incomplete spend. Ramp claims customers see 3.5x more auto-coded transactions, 98% sync accuracy on approved spend, and significantly fewer corrections as the system adapts.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fcash-app-debuts-payment-links-text-email-paypal%2F812114%2F%3Futm_source=tldrfintech/1/0100019c66c67180-934f046c-7657-4eaf-ba9b-dec69fa80320-000000/TJff8KiikkHVDKasu2OvqUQwpr3_bZNnxuisvoJniB8=444">
<span>
<strong>Cash App debuts payment links (2 minute read)</strong>
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Cash App has launched payment links, allowing users to request money via shareable links sent through text, email, or social media instead of using a handle in-app. The feature targets Gen Z users who find traditional in-app requests awkward, enabling more casual, context-rich payment reminders. The move mirrors PayPal's rollout of similar links last year and follows a broader push by Block to expand Cash App's features, including AI tools, Bitcoin functionality, and short-term lending.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.cpapracticeadvisor.com%2F2026%2F02%2F12%2Framp-unveils-accounting-agent-to-streamline-bookkeeping%2F177952%2F%3Futm_source=tldrfintech/1/0100019c66c67180-934f046c-7657-4eaf-ba9b-dec69fa80320-000000/7I4YrAHSugLAPSjlnnv4NEHFQUCWw13hHdnCqX6WGU4=444">
<span>
<strong>Ramp unveils accounting agent to streamline bookkeeping (3 minute read)</strong>
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Ramp has introduced a new AI-powered tool designed to take over the most time-consuming parts of bookkeeping and month-end close, moving beyond rule-based automation to real-time, autonomous accounting workflows. The system auto-codes transactions across multiple fields, flags only high-risk items for review, syncs directly with ERPs, and even handles accruals and reconciliations, helping finance teams close books three times faster and save 40+ hours per month.
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<div style="text-align: center;"><span style="font-size: 36px;">🎁</span></div></div>
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<span>
<strong>Fintech Clear Street slashes US IPO size by 65% as caution grips investors (3 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Clear Street cut its US IPO target by 65%, now aiming to raise up to $364M at a roughly $7.2B valuation, down from a prior $1.05B raise at an $11.8B valuation. The sharp reset reflects investor pushback on pricing amid AI-driven financial stock volatility and crypto market weakness, given Clear Street's exposure to crypto capital markets activity. The move signals that while IPO windows are reopening, valuation discipline is firmly back in control.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.thecoinrepublic.com%2F2026%2F02%2F15%2Fcoinbase-news-coinbase-urges-federal-reserve-to-open-payment-rails-to-crypto-firms%2F%3Futm_source=tldrfintech/1/0100019c66c67180-934f046c-7657-4eaf-ba9b-dec69fa80320-000000/r76Wknpej6NSsPjKyC3SdJvPG_soIaUURSXcXszRpRQ=444">
<span>
<strong>Coinbase urges Federal Reserve to open payment rails to crypto firms (4 minute read)</strong>
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<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Coinbase is pushing the Federal Reserve to grant crypto firms direct access to US payment infrastructure through a special-purpose account that would allow non-banks to settle transactions without a full banking charter. The exchange argues that tapping systems like Fedwire and FedNow could lower costs, reduce counterparty risk, and bring the US in line with countries such as the UK and Brazil, but it opposes proposed limits on balances and the lack of interest payments, calling them commercially restrictive. With banks warning of systemic risks and regulators reviewing feedback ahead of a mid-2026 decision, the outcome could reshape how crypto platforms plug into the core of the American financial system.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.cpapracticeadvisor.com%2F2026%2F02%2F09%2Fbotkeeper-is-closing-its-doors%2F177677%2F%3Futm_source=tldrfintech/1/0100019c66c67180-934f046c-7657-4eaf-ba9b-dec69fa80320-000000/piRNlz1g9c_6l1khmyPi2J5XD9KUnYATzTb9mp5M6B0=444">
<span>
<strong>Botkeeper is closing its doors (4 minute read)</strong>
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Automated bookkeeping startup Botkeeper is shutting down after 11 years and nearly $90M raised, citing a “perfect storm” of macro shifts and late-2025 industry consolidation that hit key clients and revenue. CEO Enrico Palmerino said the company built a powerful AI capable of coding 80%+ of transactions with high accuracy, but never reached a durable product-market fit strong enough to withstand rapid market changes. The closure underscores both AI's real progress in accounting automation and the capital intensity and fragility of scaling AI-first services in a consolidating industry.
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<div style="text-align: center;"><span style="font-size: 36px;">⚡</span></div></div>
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<h1><strong>Quick Links</strong></h1>
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<strong>Robinhood launches Ventures Fund I to expand retail access to private markets (1 minute read)</strong>
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Ventures Fund I is a new vehicle aimed at giving everyday investors exposure to private companies at the frontiers of their industries.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.americanbanker.com%2Fnews%2Fbanks-effectively-deputized-in-trumps-immigration-fight%3Futm_source=tldrfintech/1/0100019c66c67180-934f046c-7657-4eaf-ba9b-dec69fa80320-000000/eRxzSCs7j_tLPimAVDwZ-gvZkBiyIU4zcs8R2poJjl4=444">
<span>
<strong>Banks effectively deputized in Trump's immigration fight (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Federal regulators are increasingly pushing financial institutions to play a more active role in enforcing immigration-related policies, blurring the line between compliance and law enforcement.
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<span>
<strong>TomoCredit says it will boost your credit score, but here's why that's misleading (8 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A San Francisco fintech is facing scrutiny for charging up to $1,000 a year for a credit-building subscription that critics say can't deliver on its core promise.
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