Entertaining information focused on Fintech industry insights, market trends, news, and life stories from Fintech leaders, thinkers, and doers.

Aug 25, 2026

Blue Ridge Sells for $448 Million After Cutting 70 Fintech Programs to Zero, the OCC Logs 40 Charter Applications in 18 Months, and Rippling Sweeps Deposits Out of Its Bank

The OCC counts 40 charter applications, Bank of America commits $1.9 billion to Jio Credit, Rippling moves excess cash into money market funds, and HSBC and Standard Chartered settle tokenized deposits through Swift.

Stephen Bishop

Token issuers could get a 12-month, $75 million exemption

Tedd Huff

Aug 24, 2026

Tether’s First Real Audit Still Leaves a Gap

Tedd Huff

Aug 19, 2026

The OCC Takes 221 Days on World Liberty, Denies bunq, and Returns Zerohash’s Filing

Tedd Huff, +1

Aug 18, 2026

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Senate Revives Clarity Act as Tether, Circle, Ripple All Make Moves

The Senate quietly filed a cloture motion just hours after punting the floor vote to September, Tether's reserve cushion fell to $4.11 billion even as profit hit $1.5 billion, Circle picked up a New York trust charter, and Ripple secured a full EU license covering 30 countries.

Tedd Huff

FDIC is NOW Building the Diligence Function Partner Banks Sell

Aug 11, 2026

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6 min read

FDIC is NOW Building the Diligence Function Partner Banks Sell

A certification body for bank service providers would end duplicate vendor review: FDIC and six trade groups draft the standard, First Internet moves $2.4 billion of fintech deposits off balance sheet, Augustus National Bank receives deposit insurance, Dakota files for a national trust charter, and Chime cuts 10% of staff.

Tedd Huff, +1

Coastal Financial's $46 Million CCBX Credit Enhancement Write-Down: The Real Price of Sponsor Bank Risk

Aug 4, 2026

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5 min read

Coastal Financial's $46 Million CCBX Credit Enhancement Write-Down: The Real Price of Sponsor Bank Risk

Coastal Financial's Q2 2026 CCBX write-down, Flex's Utah ILC application, Upstart's OCC conditional approval, Wise's OCC trust charter denial, and X Money's Cross River launch reshape sponsor banking, credit enhancement, and BaaS partner risk.

Tedd Huff, +1

GENIUS Act Slips, Tether Surges, CLARITY Stalls: Is Your Crypto Strategy Already Outdated?

Aug 3, 2026

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7 min read

GENIUS Act Slips, Tether Surges, CLARITY Stalls: Is Your Crypto Strategy Already Outdated?

Stablecoin rules miss their deadline, Tether books $1.5B, Solana ETFs keep pulling flows, and D.C. stalls on CLARITY while operators keep building anyway.

Tedd Huff

The OCC Denied Wise in Writing, Twenty AGs Moved on Enova, and Kansas Closed Bank Number Four.

Jul 28, 2026

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10 min read

The OCC Denied Wise in Writing, Twenty AGs Moved on Enova, and Kansas Closed Bank Number Four.

The failure record got its first marquee entry, the applicant queue put a number on sponsor revenue, and the compliance file decided all of it.

Tedd Huff, +1

CLARITY Act Stalls Again: What It Means for XRP Now

Jul 27, 2026

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6 min read

CLARITY Act Stalls Again: What It Means for XRP Now

Senate Majority Leader Thune ruled out a CLARITY Act vote before August recess, and markets felt it fast.

Tedd Huff

web3 with FTC

Wall Street’s $114T Depository Just Went Tokenized

Jul 20, 2026

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8 min read

Wall Street’s $114T Depository Just Went Tokenized

DTCC went live July 15 with JPMorgan and BlackRock in the mix, and six agencies still have zero final rules.

Tedd Huff

Inside the Vault

Klarna, Sony, JPMorganChase, Bank of America, Wells Fargo, and PNC Are All Bypassing Partner Banking.

Jul 14, 2026

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10 min read

Klarna, Sony, JPMorganChase, Bank of America, Wells Fargo, and PNC Are All Bypassing Partner Banking.

A buy now pay later provider filed to become a Utah bank. An entertainment conglomerate and Wall Street's largest wealth manager cleared the OCC's trust lane. The banks behind Zelle and Paze held talks to buy the Star debit network. PNC shipped an AI-built mobile app to 8 million clients, and Tangos AI raised $20 million to automate the compliance work underneath everyone. The companies that were supposed to need a partner bank are building around it, and the biggest banks are leading the way.

Tedd Huff, +1

web3 with FTC

Circle clears the OCC. Here’s who should be worried.

Jul 13, 2026

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5 min read

Circle clears the OCC. Here’s who should be worried.

Circle wins a full OCC trust bank charter, the GENIUS Act clock hits July 18, and RWAs near $34B.

Tedd Huff

...

Blue Ridge Sells for $448 Million After Cutting 70 Fintech Programs to Zero, the OCC Logs 40 Charter Applications in 18 Months, and Rippling Sweeps Deposits Out of Its Bank

Token issuers could get a 12-month, $75 million exemption

Tether’s First Real Audit Still Leaves a Gap

The OCC Takes 221 Days on World Liberty, Denies bunq, and Returns Zerohash’s Filing

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Archive

Senate Revives Clarity Act as Tether, Circle, Ripple All Make Moves

FDIC is NOW Building the Diligence Function Partner Banks Sell

Coastal Financial's $46 Million CCBX Credit Enhancement Write-Down: The Real Price of Sponsor Bank Risk

GENIUS Act Slips, Tether Surges, CLARITY Stalls: Is Your Crypto Strategy Already Outdated?

The OCC Denied Wise in Writing, Twenty AGs Moved on Enova, and Kansas Closed Bank Number Four.

CLARITY Act Stalls Again: What It Means for XRP Now

Wall Street’s $114T Depository Just Went Tokenized

Klarna, Sony, JPMorganChase, Bank of America, Wells Fargo, and PNC Are All Bypassing Partner Banking.

Circle clears the OCC. Here’s who should be worried.

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