Nubank crosses $5 billion in revenue and bets big on AI-powered banking, OpenAI launches ChatGPT personal finance with Plaid integrations, and corporate-card startup Parker suddenly shuts down after raising $243 million. We also break down Kraken’s IPO prep, Gemini’s $100 million expansion play, and why earned wage access is becoming the next battleground in banking.

The IMF says Mythos could become a systemic financial threat as cyberattacks scale at machine speed. Meanwhile, Washington inches closer to crypto regulation with the Clarity Act, igniting a fierce fight between banks and stablecoin issuers over who gets to own the future of deposits. We unpack the incentives, loopholes, and fintech power plays reshaping the next era of money.

Consumer fintech is finally proving it can make real money. Chime and Dave post standout earnings, Erebor Bank races past $1 billion in deposits within weeks, and Anthropic launches AI agents designed to handle everything from underwriting to AML workflows. We also preview Citi’s next big transformation plan and unpack why Coinbase’s latest layoffs show the AI era is reshaping crypto just as fast as banking.

Fintech’s evolving fast. Visa expands its stablecoin settlement network across multiple blockchains, PayPal reorganizes around crypto and consumer finance, and Revolut plus Nubank unveil powerful AI models designed to transform fraud detection, underwriting, and personalization. We also unpack Western Union’s remittance slowdown and the latest push for crypto regulation as digital assets edge closer to the mainstream.

Fintech’s getting more autonomous by the day. Sezzle pushes deeper into super-app territory with checking accounts, Stripe teams up with Google to power AI-agent commerce, and banks like Customers Bank are embedding OpenAI directly into lending and operations. We also break down the rise of prediction markets, Robinhood’s crypto slowdown, and why Tether’s billion-dollar quarter proves stablecoins are becoming core financial infrastructure.

Regulators throw community banks a lifeline, while big banks double down on AI investments shaping the future of finance. Meanwhile, LendingClub rebrands for a digital-first era, Veem pushes stablecoins into the mainstream, and crypto faces fresh legal scrutiny. We break down what it all means for how money moves — and who’s building what comes next.

Fintech and policy are colliding. Lawmakers push to open Fed payment rails, Visa and Mastercard face fresh antitrust pressure, and a surprise $1B takeover bid shakes up B2B payments. Meanwhile, a $292M DeFi hack exposes ongoing security cracks—even as players like JPMorgan and the Bank for International Settlements warn about deeper structural risks. We break down what’s actually changing—and what’s still unresolved.

Earnings season is lighting up the board. American Express delivers strong growth but faces investor pressure, Huntington Bancshares leans into caution with a $4B liquidity buffer, while Synchrony Financial and Capital One offer a mixed but steady read on the consumer. We break down what’s actually driving the numbers—and why fintech is moving forward with more friction, not less.