Coinbase has officially rolled out its Bitcoin rewards credit card across the U.S., allowing users to earn BTC on everyday purchases. The move expands crypto-based consumer finance, enabling seamless spending while integrating digital assets into mainstream payment habits. Cardholders can choose to earn rewards in Bitcoin or other cryptocurrencies, linking the card directly with their Coinbase wallets. This launch marks another milestone in Coinbase’s strategy to bridge traditional finance and crypto ecosystems. It also positions the exchange competitively against fintechs like PayPal and traditional reward programs. Analysts view it as a strong signal of consumer crypto adoption moving into practical use cases.
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Insight of the Day
Merchants Are Demanding More — and Banks Need to Catch Up
👉 The merchant services game has changed.
Value-added services (VAS) are no longer nice-to-haves — they’re non-negotiables. From fraud protection to instant settlement and working capital access, merchants now expect their payment partners to deliver beyond basic transactions. But what they’re willing to pay for depends heavily on size and maturity.
👉 Small merchants crave simplicity, liquidity, and protection.
Their world runs on thin margins and unpredictable cash flow — so fraud detection, chargeback automation, and working capital loans top the list. Business insurance and lending tools aren’t luxuries; they’re lifelines for navigating daily volatility. These merchants will pay for peace of mind.
Mid-sized merchants want control, not complexity.
They’re growing fast, juggling operations, and looking for tools that scale — invoice management, expense tracking, and fraud prevention are top priorities. But there’s a notable shift: increasing appetite for marketing tools and CRM platforms. These aren’t vanity purchases; they’re investments in loyalty, retention, and long-term brand value.
Curated News
💳 Payments
PayPal Partners with Rokt to Deliver AI-Powered Post-Transaction Ads
PayPal has announced a partnership with Rokt to integrate AI-driven personalized advertising into post-transaction experiences. The collaboration aims to help merchants increase engagement and revenue through tailored offers at checkout.
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Verituity and Sagent Modernize Mortgage Servicing Payments
Verituity and Sagent are teaming up to digitize and secure mortgage servicing payments. The partnership leverages Verituity’s verified payment platform to enhance transaction efficiency and fraud prevention in the mortgage ecosystem.
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Shift4 Acquires Worldline’s North American Subsidiaries
Shift4 is acquiring Worldline’s North American operations, expanding its global payment processing reach. The move strengthens Shift4’s presence in the enterprise payments space, aligning with its strategy for international growth.
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Clay Taps GoCardless to Streamline Loan Payments
Clay has selected GoCardless to automate loan disbursements and repayments at scale. The integration will enhance efficiency for lenders and borrowers, reducing friction in digital lending operations.
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OpenPayd Expands Global Currency Account Access
OpenPayd has tripled its multi-currency account access, enabling businesses to operate in more regions with faster settlements. The expansion supports global fintech growth and cross-border payment efficiency.
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🏦 Banking
Allica Bank Acquires Kriya to Power £1B SME Financing Push
Allica Bank has acquired fintech Kriya to deliver £1 billion in SME working capital finance by 2028. The acquisition strengthens Allica’s digital lending capabilities and its focus on supporting UK small businesses.
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Superbank Posts $4.9 Million Q3 Profit
Superbank has reported a $4.9 million profit in Q3, signaling steady growth in its digital banking operations. The results highlight its success in customer acquisition and cost efficiency.
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💸 Fintech
CloudWalk Hits $1.2B in Annualized Revenue on AI-Driven Growth
Brazil-based payments firm CloudWalk has surpassed $1.2 billion in annualized revenue, fueled by AI innovation and rapid expansion. The company attributes its profitability surge to automation and data-driven financial services.
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Riverchain Raises $5M to Expand Across Southeast Asia
Hong Kong fintech Riverchain has secured $5 million to scale its blockchain-based solutions across Southeast Asia. The firm aims to enhance transparency and efficiency in cross-border transactions.
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Moniepoint Secures $200M to Drive Financial Inclusion in Africa
African fintech Moniepoint has closed a $200 million Series C round to expand its digital banking and payment services. The funding will accelerate its mission to bring financial access to underserved markets.
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Bizcap Acquires AI Funding Platform
Australian lender Bizcap has purchased an AI-powered funding platform to enhance its credit decisioning and automation. The move signals a growing trend of AI integration in alternative lending.
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U.S. Bank Avvance Launches Embedded Financing Product
U.S. Bank’s Avvance has introduced a customizable embedded finance solution, enabling merchants to offer flexible payment options at checkout. The launch underscores the bank’s commitment to fintech innovation and customer-centric lending.
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🪙 Crypto
UK Regulator Sues HTX Over Unlawful Promotions
The UK’s Financial Conduct Authority has filed a lawsuit against crypto exchange HTX for alleged unlawful marketing activities. The case underscores growing regulatory pressure on crypto advertising compliance.
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Cybrid Raises $10M to Expand Stablecoin Infrastructure
Cybrid has secured $10 million in funding to strengthen its stablecoin infrastructure for banks and payment providers. The investment highlights growing institutional interest in blockchain-based payment rails.
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Bluwhale Secures $10M Series A to Bring AI Agents to Blockchain
Bluwhale has raised $10 million to integrate autonomous AI agents into blockchain ecosystems. The company aims to build intelligent, self-executing systems that improve network efficiency and smart contract automation.
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💼 WealthTech
Mako Financial and Trulioo Streamline KYC for Advisors
Mako Financial Technologies has partnered with Trulioo to automate KYC processes for wealth advisors across North America. The collaboration enhances onboarding efficiency and regulatory compliance.
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Tradu Enables UK Traders to Bet Directly via TradingView
Tradu now allows UK traders to place spread bets directly from TradingView charts. This integration simplifies trading workflows and brings professional-grade tools to retail investors.
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⚖️ Regulation
New York Issues Third-Party Cybersecurity Guidance
New York’s financial regulator has released new cybersecurity guidelines for third-party providers. The framework aims to bolster supply chain security and protect financial institutions from systemic risk.
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🧠 Other
Consumers Increasingly Concerned About AI Scams
A recent survey reveals growing public concern over AI-generated scams, particularly deepfake fraud and impersonation attacks. The findings highlight the urgent need for better digital identity protection and AI regulation.
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Smarsh Expands Partnership with Jefferies
Smarsh has extended its collaboration with Jefferies to enhance communications compliance and supervision capabilities. The deal reflects rising demand for advanced surveillance tools in financial institutions.
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