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The week in Fintech
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Banks and regulated financial groups advanced tokenized deposits and yen- and franc-backed stablecoins, while credit unions also explored digital-asset programmes. The activity shifted stablecoins toward regulated financial infrastructure rather than standalone crypto products.
Fintech regulation advanced on several fronts: the digital euro cleared a parliamentary hurdle, UK BNPL firms moved toward consumer-credit supervision, and Binance prepared to leave the EU after failing to secure MiCA authorization.
Banks and payment firms pursued real-time cross-border settlement and broader payment orchestration, but research showed that recipient-side clearing, beneficiary-bank processes, and exception handling still create most of the delay.
Fintech and technology platforms expanded into embedded distribution and automation, linking messaging with credit, adding agentic banking and commerce capabilities, and applying AI to fraud prevention and wealth management.
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