# Fintech Related Articles

HTX News Center provides the latest articles and in-depth analysis on "Fintech", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

Malaysia to Pilot Ringgit Stablecoins, Tokenised Deposits in 2026

Malaysia's central bank, Bank Negara Malaysia (BNM), will pilot three projects involving ringgit stablecoins and tokenized deposits in 2026 through its Digital Asset Innovation Hub (DAIH). The initiatives, focused on wholesale payments for domestic and cross-border transactions, are led by major financial institutions including Standard Chartered Bank Malaysia, Capital A, Maybank, and CIMB. BNM aims to assess implications for monetary and financial stability and clarify its policy on these digital assets by year-end. This move aligns with a broader Asian trend, with Hong Kong, Singapore, and Japan also advancing stablecoin frameworks and tokenization projects.

TheNewsCrypto2h ago

Malaysia to Pilot Ringgit Stablecoins, Tokenised Deposits in 2026

TheNewsCrypto2h ago

The Darkness Before Dawn: Crypto in 2026 = The Internet in 2002

"DeFi Cheetah argues that the current despair in crypto, marked by high-profile departures like Kyle Samani's shift to AI, is deceptive. The industry is at a critical inflection point, witnessing a rise of "fintech wrappers"—products from traditional finance (like bank-issued stablecoins or tokenized assets) that merely leverage blockchain for efficient settlement while retaining the old, rent-seeking intermediary structures. These wrappers, comparable to "Western Union with private keys," fail to capture value on-chain and fragment liquidity, representing an IT upgrade rather than true crypto innovation. Drawing a parallel to the dot-com bust of 2002, the author contends that just as early internet companies were merely "newspaper wrappers," today's fintech wrappers are placing old finance onto new rails. The real revolution will be built by those who embrace crypto's native properties: a global state instead of siloed databases, atomic composability instead of API integrations, and permissionless liquidity instead of walled gardens. The consensus view that blockchains are merely asset ledgers is where alpha is not found. The current downturn is a filter. The true builders who remain will focus on constructing what cannot exist on private servers, leveraging trustless coordination, permissionless access, and composability to solve problems legacy systems cannot. The work of building the sovereign internet is just beginning."

marsbitYesterday 11:42

The Darkness Before Dawn: Crypto in 2026 = The Internet in 2002

marsbitYesterday 11:42

MrBeast, the Most Generous KOL, Sets His Sights on Teenagers' Digital Wallets

MrBeast, the renowned YouTube creator with over 466 million subscribers, has expanded into fintech through his company Beast Industries by acquiring Step, a mobile banking app designed for teenagers. Step offers FDIC-insured banking services via Evolve Bank & Trust, including savings accounts and Visa cards. This move follows a $200 million equity investment from Ethereum treasury firm BitMine in January 2026, with plans to integrate DeFi into future financial services. Previously, MrBeast faced allegations of profiting over $10 million through alleged pump-and-dump schemes involving low-market-cap cryptocurrencies like SUPER and PMON, where he promoted tokens before selling them during price surges. Despite these controversies, MrBeast aims to create financial educational content and provide youth with financial tools he lacked. His company has also filed a trademark for "MrBeast Financial," indicating intentions to offer crypto trading and payment processing services.

marsbitYesterday 05:36

MrBeast, the Most Generous KOL, Sets His Sights on Teenagers' Digital Wallets

marsbitYesterday 05:36

The Battle for the Fed's Payment Gateway: Who Will Prevail?

The debate over access to the U.S. Federal Reserve's payment system is intensifying. Traditional banking groups—including the Bank Policy Institute, Clearing House Association, and Financial Services Forum—are opposing direct access for crypto and fintech firms, advocating instead for a mandatory 12-month waiting period to ensure operational safety, particularly for stablecoin issuers. They argue that new entrants lack sufficient regulatory oversight and pose risks such as bank runs. On the other side, fintech and crypto companies are pushing for "skinny accounts" that would allow them to bypass traditional banks and connect directly to the Fed’s payment infrastructure. Critics like Circle and Anchorage argue the proposed accounts are too restrictive, with limitations on transaction volumes and no access to key systems like FedACH. The conflict reflects broader tensions over financial innovation, regulatory authority, and competition for control over core payment infrastructure. With the White House seeking a resolution, the outcome could reshape access to the U.S. financial system.

marsbitYesterday 03:44

The Battle for the Fed's Payment Gateway: Who Will Prevail?

marsbitYesterday 03:44

Ripple Joins Top 10 Global Private Companies With A $50B Valuation

Ripple has been ranked among the top 10 most valuable private companies globally, with an estimated valuation of $50 billion, according to a widely shared "unicorn companies" list on X. This positions Ripple alongside major AI and fintech firms like OpenAI, ByteDance, and SpaceX. The valuation marks a significant increase from its $40 billion late-2025 financing, suggesting a sharp upward revaluation. Unlike public companies, Ripple's value is shaped by private transactions, including share buybacks at lower valuations in 2022 and 2024. The ranking reframes Ripple as a large-scale payments infrastructure business rather than a crypto-focused narrative. However, with no imminent IPO plans, its valuation remains subject to periodic private market activity. At the time of reporting, XRP was trading at $1.40.

bitcoinistYesterday 01:32

Ripple Joins Top 10 Global Private Companies With A $50B Valuation

bitcoinistYesterday 01:32

xMoney Expands Domino’s Partnership to Greece, Powering Faster Checkout Experiences

xMoney ($XMN) is expanding its partnership with Domino’s to Greece, following a successful rollout in Cyprus. The collaboration enables Domino’s Greece to accept card payments and digital wallets, including Apple Pay and Google Pay, through xMoney’s embeddable checkout solution. This integration ensures a seamless, secure, and faster payment experience without redirection, handling all sensitive data through compliant infrastructure. The expansion, announced at SuiHub Athens, builds on xMoney’s existing work with Sui ecosystem to broaden real-world payment access in Europe. While the current focus is on fiat payments, both teams are exploring future digital asset payment possibilities. xMoney’s role is to make checkout fast and invisible, allowing brands like Domino’s to prioritize customer experience. The token XMN supports ecosystem growth and aligns with xMoney’s licensed payment infrastructure, enabling scalable, frictionless transactions.

TheNewsCryptoYesterday 17:44

xMoney Expands Domino’s Partnership to Greece, Powering Faster Checkout Experiences

TheNewsCryptoYesterday 17:44

Kea Neobanking Group Heads to Consensus 2026 To Bridge the East-West Gap With Its “Human-Touch” Banking Model

Kea, a neobanking group, has announced a strategic expansion into the Asian market, debuting at Consensus 2026. The company aims to address the $2.5 trillion trade finance gap affecting SMEs in the region, which often face exclusion from traditional banking due to rigid, AI-only compliance systems. Kea’s “human-touch” model emphasizes Human Intelligence (HI) to review complex cases, reduce onboarding times to days instead of months, and facilitate seamless cross-border trade through multi-currency IBANs and stablecoin liquidity. CEO Mark Berkovich stated that the gap stems from an “empathy failure” in traditional and digital banking. Kea will showcase its hybrid banking solution at Consensus 2026.

TheNewsCrypto2 days ago 12:23

Kea Neobanking Group Heads to Consensus 2026 To Bridge the East-West Gap With Its “Human-Touch” Banking Model

TheNewsCrypto2 days ago 12:23

Jack Dorsey’s Block Job Cuts Signal Operational Efficiency Push As SUBBD Token Drives Creator Economy 2.0

Jack Dorsey's Block Inc. is undergoing strategic restructuring, including layoffs affecting up to 10% of its workforce, signaling a shift from aggressive growth to operational efficiency. This move aims to improve margins and focus on core initiatives like Bitcoin hardware. Meanwhile, the SUBBD Token is emerging as a decentralized alternative for the creator economy, combining AI and blockchain to reduce platform fees and automate workflows. Having raised over $1.4M in its presale, SUBBD offers AI-driven tools and staking rewards, positioning itself as a Web3 solution for content creators seeking greater autonomy and efficiency.

bitcoinist2 days ago 11:37

Jack Dorsey’s Block Job Cuts Signal Operational Efficiency Push As SUBBD Token Drives Creator Economy 2.0

bitcoinist2 days ago 11:37

BitMart Card Expands Global Reach to 115+ Countries, Unveils 2026 Benefits With up to 5.5% Cashback and $300+ in Annual Rewards

BitMart has expanded the global reach of its BitMart Card to over 115 countries and regions, reflecting growing consumer demand for real-world crypto payments. The card is widely used for daily expenses like dining, online shopping, and cross-border transactions. Alongside this expansion, BitMart unveiled its 2026 benefits program, offering users up to 5.5% cashback, over $300 in annual rewards, and additional perks like free ATM withdrawals. The upgrade emphasizes long-term value over short-term promotions, supporting the normalization of crypto in everyday spending. The card's competitiveness was recently recognized by CryptoCardHub, ranking it among the top global crypto cards for its usability and integration with Visa’s network.

TheNewsCrypto02/06 14:33

BitMart Card Expands Global Reach to 115+ Countries, Unveils 2026 Benefits With up to 5.5% Cashback and $300+ in Annual Rewards

TheNewsCrypto02/06 14:33

Coinbase Escalates Fight With Australian Banks Over Crypto Bans

Coinbase has formally complained to Australia's parliament, accusing the country's four major banks—Commonwealth Bank, Westpac, ANZ, and National Australia Bank—of blocking or shutting down services for legitimate crypto firms without warning. The exchange argues these actions create significant barriers for crypto businesses that depend on banking services. It calls for mandatory rules requiring banks to provide explanations, advance notice, dispute channels, and transparent compliance checks. Banks defend their actions by citing anti-money laundering and counter-terrorism financing risks, stating that some crypto activities are difficult to monitor. The issue particularly affects smaller crypto firms, forcing some to consider moving operations overseas. Parliamentary hearings are expected to address the conflict between financial safety and business access, potentially leading to clearer regulations or stronger oversight.

bitcoinist02/05 08:02

Coinbase Escalates Fight With Australian Banks Over Crypto Bans