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Author: Analyst PayRate42

After years of case-by-case enforcement and industry tension, the U.S. Securities and Exchange Commission (SEC) is finally going back to the drawing board. The agency has launched Project Crypto, a multi-year initiative to modernize U.S. securities laws for digital assets. The...
The European Banking Authority (EBA) has issued a sharp warning: money laundering risks in the fintech sector are rising fast, and regulators aren’t keeping up. In its latest Opinion on ML/TF Risk, the EBA highlights the growing complexity of digital finance...

Hong Kong Sets the Stage: First Stablecoin Licences Coming in 2026

Hong Kong is ready to take the lead in Asia’s stablecoin race. The region’s financial watchdog, the Hong Kong Monetary Authority (HKMA), has announced that it...

Instant Payments Are Replacing ACH – And Global Merchants Are Ready

After decades of tolerating ACH settlement delays, global merchants are finally embracing something faster, smarter, and built for the digital age: instant payments. According to new...

Robinhood Doubles Down on Crypto — Literally and Strategically

Robinhood’s crypto revenue just doubled — and it’s not stopping there. In its Q2 earnings release, the trading platform reported a 100% surge in crypto revenue,...

Klarna Secures UK EMI Licence – But Is It a Power Move or a Safety Net?

Klarna, the Swedish fintech giant best known for its "Buy Now, Pay Later" (BNPL) model, has just received an Electronic Money Institution (EMI) licence from the...

Wall Street Meets Web3: JPMorgan Chase and Coinbase Join Forces to Mainstream Crypto

In a move that could redefine how Americans access digital assets, JPMorgan Chase and Coinbase have announced a strategic partnership aimed at making crypto purchases “easier than ever.”...

PayPal’s 0.99% Crypto Checkout Threatens Card Giants’ Cross‑Border Rake

Excerpt PayPal will let every U.S. merchant accept more than 100 cryptocurrencies and settle in dollars at just 0.99%—a 90% haircut to today’s card fees. But new...

After GENIUS, What’s Next? Why DePIN Deserves a Place in Washington’s Innovation Agenda

The U.S. Congress just made a rare, forward-thinking move. With bipartisan support, the GENIUS Act (Government Evaluation of New Innovations and Using Science Act) passed the House...

Power Struggle at the Top: Rachel Reeves and Andrew Bailey Clash Over Revolut’s Banking Future

Can the UK be a fintech powerhouse without bending the rules? That’s the question at the heart of a growing rift between Britain’s new Chancellor, Rachel...

Wise Shareholders Approve US Listing Shift — Growth, Governance, or Quiet Retreat?

Wise has secured shareholder approval to move its primary listing to the US — a move framed as strategic, but shadowed by recent internal...

PayPal Launches “Pay with Crypto” — Real Utility or Just Optics?

PayPal is finally rolling out a native “Pay with Crypto” option for U.S. users. It sounds like a milestone — but under the hood,...

Q3 2025 Trend Report: Where Payments, Crypto, and Fintech Are Really Headed

Q3 2025 reveals the industry's next strategic battlegrounds — from rising regulation and infrastructure wars to cultural tensions and capital market recalibration. Ignore the...

Revolut Expands Headcount Across Western Europe — But Hiring Signals More Than Just Growth

Revolut’s new recruitment campaign in France, Germany, Spain, and Italy suggests renewed confidence in its regulatory trajectory — and a calculated push to re-anchor...

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