# Сопутствующие статьи по теме Fintech

Fed seeks input on account type attractive to crypto firms

The US Federal Reserve is seeking public input on a proposed "payment account" or "skinny master account" that would grant fintech and crypto firms access to the central bank's payment system without requiring full master account approvals. Fed Governor Christopher Waller stated these accounts aim to support innovation while maintaining safety, reflecting rapid developments in payments. However, Governor Michael Barr expressed concerns over potential money laundering and terrorist financing risks, especially for institutions not directly supervised by the Fed. Crypto firms like Circle, Coinbase, Kraken, and Block could benefit, potentially bridging crypto and traditional banking. Unlike master accounts, these payment accounts would not earn interest, lack access to Fed credit, and have balance caps. The comment period closes 45 days after Federal Register publication, with operational launch expected in Q4 2026.

cointelegraph12/22 03:38

Fintechs prediction market addons will cost them in churn: Inversion CEO

cointelegraph12/22 02:04

Blockchain Association Rejects Proposal To Widen Stablecoin Yield Restrictions

The Blockchain Association, along with over 125 crypto and fintech groups, is urging Senate Banking leaders to oppose efforts to expand a ban on stablecoin yields beyond what is explicitly stated in the GENIUS Act. The law prohibits stablecoin issuers from paying yields directly to holders but allows third-party platforms to offer rewards. The association argues that broadening the ban would harm competition and innovation, favoring larger financial firms. In contrast, banking groups, led by the American Bankers Association, are pushing for the ban to extend to partners and affiliates, warning that stablecoin rewards could circumvent the law and drain trillions from traditional bank deposits. The debate centers on consumer protection, financial stability, and the future competitive landscape of digital payments. Senate Banking staff are reviewing both sides as they consider potential legislative clarifications.

bitcoinist12/21 13:01

Klarna partners with Coinbase to accept stablecoin funding from institutions

Klarna, a Swedish fintech company, has partnered with Coinbase to enable institutional funding through USDC stablecoins. This new initiative allows Klarna to raise short-term capital from a new class of institutional investors using Coinbase's crypto services, complementing its traditional funding sources like deposits and commercial paper. The company's CFO highlighted the potential for diversification. This institutional effort is separate from Klarna's future consumer-facing crypto plans, which may include wallets and are targeted for 2026. Klarna also recently launched its own dollar-pegged stablecoin, KlarnaUSD, on the Tempo testnet, with a mainnet launch planned for 2026.

cointelegraph12/21 12:30

Crypto Giants Battle Banks Over Stablecoin Reward Programs

A coalition of over 125 crypto companies is advocating for the protection of stablecoin reward programs amid opposition from traditional banks. The dispute centers on the GENIUS Act, which currently allows platforms—but not issuers—to offer rewards. Banking groups are pushing to extend restrictions to platforms, arguing that such programs carry risks similar to interest paid by issuers. The crypto industry, led by groups like the Blockchain Association, compares these rewards to credit card incentives and warns that limiting them would harm competition and innovation. They emphasize that stablecoin rewards offer significantly higher returns than traditional bank accounts, which yield minimal interest, and argue that restricting these programs would primarily benefit large banks at the expense of consumers and fintech firms.

TheNewsCrypto12/20 09:03

Dialogue with Christian, a Post-00s Fintech Entrepreneur: Craving Iteration Speed and Mutual Candor, Financial Mindset Matters More Than Choices, 'Young People Should Have Awe'

Amid a challenging 2025, Christian, the 00-year-old founder of fintech startup Infini, reflects on a year marked by a major security breach and a strategic pivot. The company shifted from consumer-focused crypto services to B2B financial infrastructure, emphasizing payment solutions and stablecoin integration. Christian stresses that the core value in fintech isn't just efficiency but trust, earned through rapid iteration, transparent service, and 24/7 responsiveness. He believes financial products should empower users with financial literacy and risk awareness, rather than just offering investment options. Infini’s new direction focuses on building a "financial OS" to help global entrepreneurs—especially solo developers and small teams—receive payments and manage capital easily, reducing dependency on traditional banking. Christian also shares management insights: prioritize speed, curiosity, and radical honesty within teams. He admires Revolut’s execution speed and high standards, and draws inspiration from historical leaders like Emperor Taizong of Tang for their strategic decisiveness and ability to integrate talented but strong-willed individuals. Despite a tough year, he views these challenges as crucial lessons in resilience, team alignment, and maintaining long-term vision.

marsbit12/19 07:13

Digital Wallets Surge, While Regulators Play Catch-Up'

Digital wallets are rapidly evolving beyond simple payment tools to encompass lending, investments, crypto assets, digital IDs, and virtual cards, while regulators struggle to keep pace with outdated rules. In the U.S., PayPal (32%), Cash App (25%), and Apple Pay (20%) lead the market, with 77% of adults using at least one major wallet. The CFPB attempted to impose stricter oversight on large non-bank payment providers like Google, Apple, and PayPal through a 2023 proposal, but it was overturned by Congress and President Trump in 2025. Despite this, digital wallets remain subject to a complex web of state and federal regulations, including money transmission licensing, Reg E, UDAAP rules, and FinCEN requirements. Experts warn that inconsistent enforcement and expanding wallet functionalities create compliance challenges, and a loss of consumer trust could trigger renewed regulatory pressure. Key issues include unclear user protections, reliance on banking partners, and potential state-level enforcement if federal oversight weakens.

marsbit12/19 03:08

Intuit to use Circle’s stablecoin for financial platforms

Intuit, the company behind TurboTax, QuickBooks, and Mailchimp, has entered a multi-year strategic partnership with Circle to integrate its stablecoin infrastructure and USDC. The collaboration aims to enable faster and lower-cost payments across Intuit’s platforms for business transactions, tax refunds, and marketing. Circle CEO Jeremy Allaire emphasized that the deal will extend the efficiency of USDC for everyday financial use. USDC is the second-largest stablecoin with a market cap exceeding $77 billion. The U.S. stablecoin market is expected to grow significantly following the passage of the GENIUS Act, which provides regulatory clarity for issuers. This announcement follows the OCC’s conditional approval of Circle for a national trust bank charter, a move also extended to other crypto firms like Ripple and Paxos, signaling broader institutional adoption of digital assets.

cointelegraph12/18 18:23

SoFi rolls out US dollar stablecoin issued by bank subsidiary

SoFi Technologies has launched SoFiUSD, a fully reserved stablecoin issued by its banking subsidiary, SoFi Bank. The stablecoin is backed one-to-one by cash and is redeemable on demand. Initially issued on Ethereum, it is designed for low-cost settlement across payments, card networks, remittances, and enterprise platforms. SoFi's stock rose 5% following the announcement. This move aligns with a broader trend of major U.S. banks, including JPMorgan Chase and Citigroup, exploring stablecoins following the passage of the GENIUS Act, which clarified the regulatory framework for such digital tokens in the United States.

cointelegraph12/18 18:10

Paradigm's First Investment in a Brazilian Company: What's the Logic Behind It?

Paradigm has made its first investment in a Brazilian company, leading a $13.5 million Series A round in Crown, a stablecoin issuer, at a $90 million valuation. This investment, alongside a previous $8.1 million seed round, highlights strong institutional confidence in Crown’s potential despite its current small market size—BRLV, Crown’s Brazilian real-backed stablecoin, has a circulating supply worth under $20 million. Crown’s appeal lies in its experienced founding group, including former executives from major Brazilian fintech firms like Nubank and Xerpa, and a vision to use stablecoins to support Brazil’s national treasury while offering yield to holders. Brazil represents a strategic market due to its high crypto adoption (ranking fifth globally), a large unbanked population, and a supportive regulatory environment, including the widely-used Pix instant payment system. Unlike many emerging economies, Brazil’s growing fintech ecosystem and reduced inflation make local currency stability viable, creating opportunities for real-backed stablecoins to integrate with existing infrastructure and serve both domestic and cross-border use cases.

比推12/17 12:49