『Fintech & Banking Daily』のカバーアート

Fintech & Banking Daily

Fintech & Banking Daily

著者： YesOui
無料で聴く

Fintech & Banking Daily — daily briefing on the most significant developments in fintech and traditional banking. Payments, digital banking, lending, regulation, central bank policy, crypto adoption by institutions, and major funding rounds. 6-10 stories per episode. Sharp, analytical, business-focused. Global scope.© 2026 YesOui.ai 政治・政府
エピソード
  • Bakkt's $208T Bet, Clarity Act Stalls & BRICS Payment Independence | Sep 12-15

    Bakkt's $208T Bet, Clarity Act Stalls & BRICS Payment Independence | Sep 12-15
    2026/09/02
    (00:00:00) Bakkt's $208T Bet, Clarity Act Stalls & BRICS Payment Independence | Sep 12-15
    (00:00:46) Correspondent Banking's Structural Weakness
    (00:01:32) Clarity Act September Vote
    (00:02:22) BRICS Summit Payment Independence Push
    (00:03:12) Venture Capital Shifts to Hard Infrastructure
    (00:03:56) What to Watch Next

    This episode of Fintech & Banking Daily covers six stories that collectively define where global payments infrastructure is heading in 2025 — and where it is stalling.

    Bakkt has announced enterprise-grade cross-border payment rails built on stablecoins, targeting the $208 trillion global cross-border payments market. The core pitch: 24/7 settlement with no cut-off windows, no correspondent banking chains, no Monday morning clearance for Friday afternoon wires. The structural challenge to decades-old correspondent banking is real — but so is the gap between announcement and confirmed production deployment.

    In Washington, Senate Majority Leader John Thune has scheduled a procedural vote on the Clarity Act for September 15th. The bill would split crypto oversight between the SEC and CFTC and tighten AML rules, but the 60-vote threshold remains out of reach. After over $200 million in crypto political spending in 2024, the industry is now pivoting toward regulatory agency rulemaking rather than comprehensive legislation.

    At the BRICS summit in India, September 12-13, CBDC linkage and national-currency trade are formally on the agenda. RBI Governor Das confirmed proposals to connect fast payment systems with CBDCs — but no BRICS member has a production CBDC in market yet. The gap between summit ambition and operational reality is wide.

    On the venture side, capital is rotating hard into infrastructure: Tokyo's Paytner raised ¥2.3 billion in Series D for invoice factoring, Sydney's Gridsight raised $26M for AI-powered grid management, and India's Kepler Aerospace secured $8M in seed funding for satellite-based defence intelligence. Consumer fintech is losing ground to hard infrastructure plays.

    Sharp, analytical, and built for finance professionals, investors, and fintech founders.

    This episode includes AI-generated content.
    続きを読む 一部表示
    5 分
  • Paystack's Silent M&A Stack, Russia's Digital Ruble & Africa's Consolidation Era

    Paystack's Silent M&A Stack, Russia's Digital Ruble & Africa's Consolidation Era
    2026/09/01
    (00:00:00) Paystack's Silent M&A Stack, Russia's Digital Ruble & Africa's Consolidation Era
    (00:00:46) Paystack's 18-Month Stack Build
    (00:01:35) Allawee Migration Risk
    (00:02:09) Flutterwave and Africa M&A Shift
    (00:02:59) Russia's Digital Ruble Goes Live
    (00:03:49) Watchpoints and Consolidation Endgame

    Paystack just confirmed it acquired and is now shutting down card-issuing startup Allawee — with no press release, no announcement, and customers finding out only via shutdown notices. It's the clearest signal yet that Nigerian fintech consolidation has entered a structural new phase.

    Over eighteen months, Paystack assembled a full financial services stack: a banking license via Ladder, SMB banking through Brass, and card issuance through Allawee. None of these deals were announced loudly. Each one filled a precise gap. With Stripe's backing, twelve times payment volume growth since its $200M acquisition, and positive monthly cash flow, Paystack now has the financial firepower to buy infrastructure rather than build it — at exactly the moment when building has become slow and expensive.

    The migration risk is real and underappreciated. Allawee accounts close December 1, 2026. No balance transfers, no account history, and subscription card details require manual updates — meaning failed recurring payments may go unnoticed until a service lapses.

    Flutterwave is running the same playbook, acquiring open banking provider Mono in January 2026 for an estimated $25–40M to lock in account-to-account rails. The post-2022 funding environment has turned product overlap from a market signal into a liability, and the well-capitalised incumbents are moving fast before regulators respond.

    Meanwhile, Russia's digital ruble went live for retail use on September 1, 2026. Twelve systemically important banks, mandatory large-retailer acceptance, and zero fees at launch — this is no longer a pilot. Sanctions exposure, CBDC interoperability ambitions, and an EU ban on digital ruble transactions round out the international picture.

    Both stories are open tests. The outcomes are genuinely uncertain. That's the thread worth tracking.

    This episode includes AI-generated content.
    続きを読む 一部表示
    5 分
  • EURR vs EURC: Revolut Enters the Euro Stablecoin Race

    EURR vs EURC: Revolut Enters the Euro Stablecoin Race
    2026/08/31
    (00:00:00) EURR vs EURC: Revolut Enters the Euro Stablecoin Race
    (00:00:54) Circle EURC Dominance Problem
    (00:01:43) MiCA as Competitive Moat
    (00:02:33) Swift Blockchain Goes Live
    (00:03:15) Asia-Pacific CBDC Coordination
    (00:03:46) What to Watch Next

    Revolut has entered the euro stablecoin market with EURR, a MiCA-compliant token targeting European consumers as a practical alternative to the long-delayed digital euro. The compliance structure runs through a Luxembourg-authorised entity, giving Revolut one of the few euro stablecoins legally cleared to operate across EU markets right now — a structural moat that most competitors couldn't clear.

    But the market isn't empty. Circle's EURC commands over 90% of euro stablecoin transfer volume, with roughly €400 million in circulation. The non-USD stablecoin market has tripled in three years, crossing $1.1 billion by early 2026. Circle owns the crypto-native infrastructure and institutional relationships. Revolut's counter is its 45 million European retail users — a distribution channel Circle doesn't have. Whether consumer fintech reach can convert payments users into on-chain euro holders is the central untested question.

    Meanwhile, in a less-noticed but structurally significant development, HSBC and Standard Chartered executed live, production-scale cross-border settlements on Swift's blockchain-based shared ledger using tokenized commercial bank money. This moves distributed ledger technology from pilot to operational reality inside institutions that process trillions annually.

    In Bali, Asia-Pacific central bank governors held governance-level discussions on CBDC development timelines, tokenization standards, and AI integration in payment systems. The coordination signal is clear: these aren't exploratory talks anymore. And if regulated private stablecoins gain adoption before CBDCs arrive, central banks face a harder substitution problem.

    Two races are now live — one in euro stablecoins, one in institutional settlement rails. Both will produce clear answers within 12 to 18 months.

    This episode includes AI-generated content.
    続きを読む 一部表示
    5 分
adbl_web_anon_alc_button_suppression_t1
まだレビューはありません