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

Sep 8, 2026

Cash App Sponsor Bank Sells for $123.8 Million, TabaPay Buys a Charter, and the OCC Approves Three Banks With Three Price Tags

Equity buys Lincoln Savings Bank and FNBO buys InBank for the branches, TabaPay and OpenPayd buy their own way into the system, Revolut gets a charter with four products locked, and the Fed closes out two crypto-era orders.

Stephen Bishop

The bank stablecoin race just moved up a notch

Tedd Huff

Sep 7, 2026

Examiners Narrow the Standard, Stripe Drops a $53 Billion PayPal Bid, and a $111 Million Bank Takes On $600 Million in Global Payments

Stephen Bishop

Sep 1, 2026

39 bankers' groups just picked a side on stablecoins

Tedd Huff

Aug 31, 2026

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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

web3 with FTC

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

Aug 24, 2026

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6 min read

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

The SEC's August 18 proposal exempts token raises up to $5 million for four years and up to $75 million for 12 months, with financial statements and ongoing reports attached to the larger tier. Bitcoin ran about 27% from its low to its high this week.

Tedd Huff

Tether’s First Real Audit Still Leaves a Gap

Aug 19, 2026

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6 min read

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

Aug 18, 2026

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5 min read

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

World Liberty received conditional approval, the FDIC adopted a 120-day contingent process, bunq was denied, Zerohash was returned, Nayax chose a narrow state charter, and Citi bought Kard.

Tedd Huff, +1

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

Aug 12, 2026

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5 min read

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

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Cash App Sponsor Bank Sells for $123.8 Million, TabaPay Buys a Charter, and the OCC Approves Three Banks With Three Price Tags

The bank stablecoin race just moved up a notch

Examiners Narrow the Standard, Stripe Drops a $53 Billion PayPal Bid, and a $111 Million Bank Takes On $600 Million in Global Payments

39 bankers' groups just picked a side on stablecoins

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Archive

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

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.

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