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

Aug 19, 2026

Tether’s First Real Audit Still Leaves a Gap

KPMG signed off on Tether’s full 2025 financials on August 13, confirming a $6.814 billion reserve surplus, but the underlying report still hasn’t been made public and the buffer has already shrunk 40% since. Plus: a Trump-linked firm wins a bank charter, the SEC pulls back on crypto rulemaking, and a $116M hardware wallet hack keeps growing.

Tedd Huff

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

Tedd Huff, +1

Aug 18, 2026

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

Tedd Huff

Aug 12, 2026

FDIC is NOW Building the Diligence Function Partner Banks Sell

Tedd Huff, +1

Aug 11, 2026

Subscribe to our newsletter

100% free, unsubscribe anytime.

Recommendations

Explore my handpicked newsletters that spark ideas, inspire creativity, and keep me informed.

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GENIUS Act Slips, Tether Surges, CLARITY Stalls: Is Your Crypto Strategy Already Outdated?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

•

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GENIUS Act Slips, Tether Surges, CLARITY Stalls: Is Your Crypto Strategy Already Outdated?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

•

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

•

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

•

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

•

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

•

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

Inside the Vault

The OCC Just Repriced the National Charter, and One Bank Already Paid the Bill

Jul 7, 2026

•

10 min read

The OCC Just Repriced the National Charter, and One Bank Already Paid the Bill

Patriot Bank exited its OCC formal agreement after $5 million and 17 months, putting a hard price on bank-grade compliance. CBW Bank, a banking-as-a-service pioneer since 2012, filed to convert its state charter to national and offer digital assets directly. OCC Interpretive Letter 1192 freed uninsured national trust banks from state money-transmitter licenses and preempted the state laws behind them. New OCC guidance told de novo applicants to bring finished compliance or face a public denial. EagleBank's $9.7 million DOJ settlement showed what happens when that compliance never gets built. Four filings, dated June 30 to July 2, one direction: the national charter is worth more, and bank-grade compliance is the price of holding it.

Tedd Huff, +1

MiCA delists USDT as 140 firms launch a rival, Two stablecoin shocks in 48 hours: MiCA and OUSD, Europe drops USDT, consortium unveils Open USD

Jul 6, 2026

•

8 min read

MiCA delists USDT as 140 firms launch a rival, Two stablecoin shocks in 48 hours: MiCA and OUSD, Europe drops USDT, consortium unveils Open USD

SDT off Coinbase EU, Kraken EU, and Crypto.com on July 1; Open USD debuts with Visa, Stripe, BlackRock.

Tedd Huff

...

Tether’s First Real Audit Still Leaves a Gap

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

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

FDIC is NOW Building the Diligence Function Partner Banks Sell

Subscribe to our newsletter

Recommendations

Archive

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.

The OCC Just Repriced the National Charter, and One Bank Already Paid the Bill

MiCA delists USDT as 140 firms launch a rival, Two stablecoin shocks in 48 hours: MiCA and OUSD, Europe drops USDT, consortium unveils Open USD

Fintech Confidential

Home

Podcast

Video